>
>      *WOW I WOULD FALL FOR THIS SCAM*
>
>
>     *Visa / MasterCard FRAUD*
>
>   *Verified with Snopes:  *
> http://www.snopes.com/crime/warnings/creditcard.asp
>
>    This is a heads up for everyone regarding the latest in Visa fraud.
> Royal Bank received this communication about the newest scam. This is
> happening in the Midwest right now and moving across the
> country.<http://www.snopes.com/crime/warnings/creditcardasp>
>
>    This one is pretty slick, since they provide YOU with all the
> information, except the one piece they
> want.<http://www.snopes.com/crime/warnings/creditcardasp>
>
>    Note, the callers do not ask for your card number; they already
> have it.<http://www.snopes.com/crime/warnings/creditcardasp>
>
>    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
> 'MasterCard'.<http://www.snopes.com/crime/warnings/creditcardasp>
>
>    The scam works like this:<http://www.snopes.com/crime/warnings/creditcardasp>
>
>    Person calling says - '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'. <http://www.snopes.com/crime/warnings/creditcardasp>
>
>    The caller continues - 'I will be starting a Fraud Investigation. If you
> have any questions, you should call the 1- 800 number listed on the 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?' <http://www.snopes.com/crime/warnings/creditcardasp>
>
>    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 last 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 last 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?'<http://www.snopes.com/crime/warnings/creditcardasp>
>
>    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. We were 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. We made
> a real fraud report and closed the VISA account. VISA is reissuing us a new
> number.*What the Scammer wants 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.<http://www.snopes.com/crime/warnings/creditcardasp>
>
>    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 Scammer 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.<http://www.snopes.com/crime/warnings/creditcardasp>
>
>    What makes this more remarkable is that on Thursday, I got a call from a
> 'Jason Richardson of MasterCard' 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. I dealt with a similar situation this morning, with the
> caller telling me that $3,097 had been charged to my account for plane
> tickets to Spain, and so on through the above
> routine.<http://www.snopes.com/crime/warnings/creditcardasp>
>
>    It appears that this is a very active scam, and evidently quite
> successful... <http://www.snopes.com/crime/warnings/creditcardasp>
>
>    Pass this on to all your family and
> friends.<http://www.snopes.com/crime/warnings/creditcardasp>
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