Credit Card Scam - Be Careful!

September 25th, 2008
By

My job here at WWE is to take care of all my beautiful babies. :P As such, I'm taking a quick break from the silliness and wanted to share this warning I got via email recently. If it helps save at least one of you loyal WWE readers from months of headache from a credit card scam, I've done my job.

Please, please, please, take it for what it's worth though. I can't confirm for sure whether it's true or false, but it's conceivably very possible and isn't it better to be safe than sorry? Chicky check it!

This one is pretty slick since they provide YOU with all the information, except the one piece they want.

Note, the callers do not ask for your card number; they already have it. This information is worth reading. By understanding how the VISA & MasterCard Telephone Credit Card Scam works, you'll be better prepared to protect yourself.

One of our employees was called on Wednesday from 'VISA', and I was called on Thursday from 'Master Card'. The scam works like this: Caller: 'This is (name), and I'm calling from the Security and Fraud Department at VISA. My Badge number is 12460. Your card has been flagged for an unusual purchase pattern, and I'm calling to verify. This would be on your VISA card which was issued by (name of bank). Did you purchase an Anti-Telemarketing Device for $497.99 from a Marketing company based in Arizona ?'

When you say 'No', the caller continues with, 'Then we will be issuing a credit to your account. This is a company we have been watching and the charges range from $297 to $497, just under the $500 purchase pattern that flags most cards. Before your next statement, the credit will be sent to (gives you your address), is that correct?'

You say 'yes'. The caller continues - 'I will be starting a Fraud investigation. If you have any questions, you should call the 1- 800 number listed don't he back of your card (1-800-VISA) and ask for Security.'

You will need to refer to this Control Number. The caller then gives you a 6 digit number. 'Do you need me to read it again?'

Here's the IMPORTANT part on how the scam works.The caller then says, 'I need to verify you are in possession of your card'. He'll ask you to 'turn your card over and look for some numbers'. There are 7 numbers; the first 4 are part of your card number, the next 3 are the security Numbers that verify you are the possessor of the card. These are the numbers you sometimes use to make Internet purchases to prove you have the card. The caller will ask you to read the 3 numbers to him. After you tell the caller the 3 numbers, he'll say, 'That is correct, I just needed to verify that the card has not been lost or stolen, and that you still have your card . Do you have any other questions?' After you say No, the caller then thanks you and states, 'Don't hesitate to call back if you do, and hangs up.

You actually say very little, and they never ask for or tell you the Card number. But after we were called on Wednesday, we called back within 20 minutes to ask a question. Are we glad we did! The REAL VISA Security Department told us it was a scam and in the last 15 minutes a new purchase of $497.99 was charged to our card.

Long story - short - we made a real fraud report and closed the VISA account. VISA is reissuing us a new number. What the scammers want is the 3-digit PIN number on the back of the card Don't give it to them. Instead, tell them you'll call VISA or Master card directly for verification of their conversation. The real VISA told us that they will never ask for anything on the card as they already know the information since they issued the card! If you give the scammers your 3 Digit PIN Number, you think you're receiving a credit. However, by the time you get your statement you'll see charges for purchases you didn't make, and by then it's almost too late and/or more difficult to actually file a fraud report.

What makes this more remarkable is that on Thursday, I got a call from a 'Jason Richardson of Master Card' with a word-for-word repeat of the VISA scam. This time I didn't let him finish. I hung up! We filed a police report, as instructed by VISA. The police said they are taking several of these reports daily! They also urged us to tell everybody we know that this scam is happening.

Please pass this on to all your family and friends. By informing each other, we protect each other.

Talk to me!
* Can you confirm if this is true? (Snope says it's true.)
* Has this happen to you or someone you know?
* Have you ever gone through a credit card scam or stolen identity crisis? How hard was it to come back from that?
* Tell us where you think those Internet scammers can shove it! :)

19 Responses to “Credit Card Scam - Be Careful!”

  1. Ynaku:

    Tell those Internet scammers to shove it where da sun don't shine. :twisted:

    Didn't have this happen to me or anyhone I know yet. But you be surprised at how gullible some people can be. Especially the elderly. They are so trusting. I tell em, If you didn't initiate the call, hang up.


  2. snow:

    I'd heard of this scam, but I didn't know if it was true or not. I don't put it past the thieves nowadays!

    I've had fraudulent charges to my credit cards, had a FedEx account opened up in my name, had someone hack into my e-mail accounts and change the passwords on my eBay and Amazon accounts, as well as others.

    Thankfully, I didn't have to pay for any of the fraudulent charges but it is a pain to have to file police reports and put fraud alerts on your credit file! I mean, don't these people have anything better to do? I was also lucky that when I figured out that someone had hacked into my e-mail accounts, that I also figured out that the hacked into my eBay and other accounts (I was actually online the same time as the hacker... I changed my password and it was changed again a few minutes later... talk about stress, it was like a race of them against me!... when I called eBay, they told me about it and I ended up closing my account right then and there). I think I tried to check my e-mail about midnight and I was in for the longest night of my life! It was one time that I was happy to have the time difference between here and the east coast, because I could get a jump on everything first thing in the morning over there.

    FedEx actually had a fraud line and they immediately cancelled the account that had been set up. They had billed me for a $220+ shipment to somewhere in Africa! Weird thing is, a few weeks ago, someone called me about "my FedEx account." I was immediately suspicious but got really pissed off and told them that I had the account closed. Not sure if the call was legit or not! I am still a little concerned about it (gulp) actually...


  3. snow:

    p.s. personally, i'd like to meet my hackers face to face so i could... uhh... let's just say, make them very uncomfortable.


  4. hemajang:

    Thanks for the info.

    Had a charge on my Macy's Visa a few months back for Women's Soft Separates, whatever that is, purchased from the Kahala store. Never bought it or even used my Macy's card for about a year so I called them and disputed the charge. Apparently they investigated and removed the charge but did not explain how that happened. My co-worker's wife had experience a similar false charge on her Macy's card...maybe inside job or messed up credit card billing, I dunno.


  5. NKHEA:

    Whoa, Ed just had one call last night, someone was trying to charge on company charge card, but we called to varify what was happening, yeah and they don't ask for any info on card, just to see if we where making purchase.

    snow; Ho you mean bugga 8O :evil: :twisted: sorry if I offended you on QB aka QPP's :( :cry: I still like all my teets :) :lol:

    Time for work, see ya all lata ;)


  6. Miss Pris:

    Thanks for the info...very helpful.

    My bf had a bad experience with his Macy's VISA card too! He had cancelled (and cut up) his card cause he wasn't using it....so when he stopped receiving statements, he thought everything was fine. Then a few months later, he gets a statement that had a huge $700.00+ purchase on it. He called Macy's and found out that a purchase was made somewhere in the mainland (can't remember where) and since he didn't dispute it right away, (cause he didn't open the statement right away, thinking it was just a zero balance) they said he was still responsible but he could file a fraudulent report.

    He argued and argued with the Macy's people....explaining how he had cancelled the card months ago....they even had a record of it....but they still said he was responsible for the charges until an investigation was done. WTF?

    So we filed a fraudulent report and after a couple of months...it was finally resolved. It was Macy's who was at fault....cause when the fraudulent charges came in....Macy's shouldn't have let it go thru in the first place....since he had already cancelled the card.


  7. Goodbeer:

    Thanks!! Passed it on to the family.


  8. MoOgooGuypAN:

    I got this coworker who is getting hit by a bad case of identity theft. Yup, it happens here in Hawaii. He just got another chrage today from a card he's never applied for. This is the third different card this week alone. I told him to stay off the porn sites and purchase Life Lock ;)

    *Off the subject*
    Hey Ed. How come my Roadrunner at home is so slow compared to my work computer which uses DSL? It seems like forever to load while I'm playing Mob Wars from home, but at work it's instantanious :mad:


  9. Chicken Grease:

    Here are the Grease's security measures that he uses for himself. I've had no problems with my credit card . . . the following is what I've gathered from observing/hearing the horror stories/contemplating under a tree and at the beach:

    -- if your credit card company calls you . . . just frickin' tell them that YOU'll call them back in the interests of security. Ask them for a phone number to call, write it down . . . AND DON'T CALL THAT NUMBER. Use the toll-free # on the back of your credit card and explain to the operator that answers that you want a confirmation of them calling you and, if I'm still interested, I'll talk to whoever wanted to talk to me about something.

    -- Just make it a point to use your credit card for MAJOR purchases and not often. THAT way you know damn well when/where your card was used and if you have a pattern of using your card at select/favorite stores, so that, if in the event of fraud, you can tell your credit card company, "look -- until these fraudulent charges, I only used my card at this place, that place, and this other place." and they can only help but agree somewhat. Christmas time I like to buy all the stuff I gotta give at Ala Moana mostly, and Ward Centre. Guess what? BOTH places use the same black colored gift card, with the green bubbles. If I know I'm gonna have to use plastic at the Ala Moana outlets, you know what I do? I go and buy ONE of those gift cards for a couple hundred (or, many hundred or thousand) and THEN go shopping at the Ala Moana stores. That way, I do ONE big purchase at ONE place (and the Ala Moana customer service area is pretty secured and most of 'em know the Grease by name already -- that helps) and use the gift card I just bought at the other outlets, which will have a record of my purchase from the gift card and NOT from my credit card.

    -- STOP, STOP, STOP (and I'm sorry for the following French word, but, this is how strongly I feel about it) f*&kin' ONLINE banking. STOP GIVING YOUR BANK YOUR E-MAIL. Bank with a local bank . . . we have some good ones in this town. Go to a teller; keep them working. Go to your ATM. Bank or get your credit card where you can do your business (not talking # 1 or # 2 here, bwwahaha) in person or on the phone, where the phone # you call can be confirmed at the bank's online source or elsewhere you can trust.

    -- Here's my favorite: any yahoo, who's evilly and deceitfully trying to get your personal information, calls you, says s/he is from your bank (the giveaway is when they say they're from your bank and YOU DON'T BANK THERE [duh!], I suppose) and starts asking you for your information, allow yourself an immediate red flag. EdWard is correct -- just hang up on 'em. The Grease's style, though, is to string them on, talk story with them, laugh a bit, have nice conversation, and when they finally get "back to the subject" of needing your personal information, you just say something, oh, I dunno, something along the lines of, "oh, you know, before I answer that question, you know, I heard about you. You like dating goats or something, yeah? Oh, look who JUST walked into the door -- it's your mother. I'm going to take off my shirt now. I'll have to get back to you. Bye." Simple.

    Above all . . . just use your brains. Why give out personal information anyway!?


  10. Reido:

    That's some good info, Chicken Grease. My wife had TWO credit cards opened under her name. Although we were not responsible for the charges, it was a pain in the butt to get everything cleared up. Police reports, notarized affidavits, etc, etc. Took a whole bunch of my time to clear things up. I think someone opened the cards using a credit card offer through the mail. Nowadays, I shred all the credit card offers that I receive in the mail.

    In this day and age, thieves have so many ways to get you. I saw the e-mail that Ed is referring to before. I wouldn't be surprised if it was true. As Chicken Grease and Snow referred to, you also have to beware of online hacking of your ID. And I've also received an e-mail showing how a bank machine was doctored to swipe your credit card number. Another e-mail warned me about paying with a credit card at a restaurant - all the dishonest waiter needs is a card reader. They swipe the card using the card reader and they have your credit card number that they can use or sell to another thief.

    Beware!!


  11. World Wide Ed:

    * Ynaku:
    Tell those Internet scammers to shove it where da sun don’t shine.

    Nice! Make that from both Ynaku and I! :)

    * snow:
    I’ve had fraudulent charges to my credit cards, had a FedEx account opened up in my name, had someone hack into my e-mail accounts and change the passwords on my eBay and Amazon accounts, as well as others.

    They are getting trickier and trickier every day. I'm afraid that they are bound to get one of us paranoid peeps one of these days... *sigh*

    * snow:
    p.s. personally, i’d like to meet my hackers face to face so i could… uhh… let’s just say, make them very uncomfortable.

    Hehe, you go snow!

    * hemajang:
    My co-worker’s wife had experience a similar false charge on her Macy’s card…maybe inside job or messed up credit card billing, I dunno.

    Yeah, that would've sucked if it was inside job. Many have access to those numbers all the time... scary!

    * NKHEA:
    Whoa, Ed just had one call last night, someone was trying to charge on company charge card, but we called to varify what was happening, yeah and they don’t ask for any info on card, just to see if we where making purchase.

    Ho, they tryin' eh?! Good thing we're all warned now! :)

    * Miss Pris:
    He argued and argued with the Macy’s people….explaining how he had cancelled the card months ago….they even had a record of it….but they still said he was responsible for the charges until an investigation was done. WTF?

    I hate when stores don't take responsibility for their mistakes. I never let them get away with it. Customer Service at some places must hate me cause I'm so persistent. Haha!

    * Goodbeer:
    Thanks!! Passed it on to the family.

    Cool, thanks for writing in Goodbeer! :)

    * MoOgooGuypAN:
    *Off the subject*
    Hey Ed. How come my Roadrunner at home is so slow compared to my work computer which uses DSL? It seems like forever to load while I’m playing Mob Wars from home, but at work it’s instantanious

    Please call customer service at 643-2... Hehe, nah! I dunno. It could be a bunch of things, but technically RR should always be faster than DSL. What browser are you using? Are they both the same at home and at work? Mob Wars is that Myspace/Facebook thing right? I heard that IE7 sometimes has performance issues with some of those types of apps. Your speed issues may be at the browser level as opposed to the connection level. Can't tell for sure without seeing it for myself, but yeah, if you think it's connection related, you should definitely contact Oceanic and they can help you get it resolved. Hope this helps MoOgs!

    * Chicken Grease:
    Above all . . . just use your brains. Why give out personal information anyway!?

    Awesome points Ceeg! Another one I like to do is use one card (with a low limit) just for online purchases and your main one for physical purchases. Smahtchyeah?

    * Reido:
    And I’ve also received an e-mail showing how a bank machine was doctored to swipe your credit card number. Another e-mail warned me about paying with a credit card at a restaurant - all the dishonest waiter needs is a card reader. They swipe the card using the card reader and they have your credit card number that they can use or sell to another thief.

    Yeah, I think I saw a TV show on these two! Scary man! Reido's right. Beware man!


  12. Rodney:

    "Oh, my 3 digit number? Why, it's 666." :twisted:


  13. Miss Pris:

    i just remembered something else that I do to help protect myself from credit card fraud or identity theft.

    Whenever I need to pay for something online...whether its a bill or something I am purchasing...I ALWAYS use the same credit card....never any of my other cards.

    This "special" credit card has a very small credit line of $1,000.00 only because I've asked my credit union to keep it like that ever since I got it back in 1993 (yes, it was my very first credit card ever).

    So IF someone did get ahold of this credit card number....it wouldn't be too damaging.


  14. leerah:

    A co-worker of mine would tell her credit card company if she were travelling (especially out of the country). Tell them dates you're gone so anything outside of that would be flagged!


  15. HNL2LAS:

    Thank you Ed!!! I'll be sure to pass this on, you can never be too careful these days!


  16. World Wide Ed:

    * Rodney:
    “Oh, my 3 digit number? Why, it’s 666.”

    Hehe, nice! They'll probably buy it too Rodfather!

    * Miss Pris:
    Whenever I need to pay for something online…whether its a bill or something I am purchasing…I ALWAYS use the same credit card….never any of my other cards.

    This “special” credit card has a very small credit line of $1,000.00 only because I’ve asked my credit union to keep it like that ever since I got it back in 1993 (yes, it was my very first credit card ever).

    So IF someone did get ahold of this credit card number….it wouldn’t be too damaging.

    Same here Miss Pris. Great minds think alike. :)

    * leerah:
    A co-worker of mine would tell her credit card company if she were travelling (especially out of the country). Tell them dates you’re gone so anything outside of that would be flagged!

    I stay too lazy for that, but that's a smart one leerz.

    * HNL2LAS:
    Thank you Ed!!! I’ll be sure to pass this on, you can never be too careful these days!

    True dat HNL2LAS. True dat...


  17. Naurene:

    Identity theft is a serious crime. 1 out of 2 are being victimized. On an average people spend from $2,000 to $92,000 restoring their identity. There is a FREE Identity theft workshop on Tuesday 9/30 at the UOP mililani campus by zippys from 7p-8p, you should come by to learn more about protecting yourself and family. People are so vulnerable to these scams because they fail to protect themselves or obtain awareness. thank you for sharing this information!


  18. Naurene:

    Hey MooGuy--tell your coworker to check out the FREE identity theft workshop this tuesday at the University of Phoenix Mililani Campus by Zippys at 7pm. We may be able to help him or email me at smerf75@yahoo.com for more information.


  19. World Wide Ed:

    * Naurene:
    Identity theft is a serious crime. 1 out of 2 are being victimized. On an average people spend from $2,000 to $92,000 restoring their identity. There is a FREE Identity theft workshop on Tuesday 9/30 at the UOP mililani campus by zippys from 7p-8p, you should come by to learn more about protecting yourself and family. People are so vulnerable to these scams because they fail to protect themselves or obtain awareness. thank you for sharing this information!

    Mahaloz for the info Naurene!