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October 2008


I jsut received this email and thought I'd post it for everyone to read you never know.

Credit Card Scam <>" href="" target=_blank rel=nofollow><> says  this is true.
To verify  see this  site:<>
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 & Master Card Telephon e 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 call er 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 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?'

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 V ISA 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, friends and neighbors. By informing each other, we  protect each other.


Neighbors Helping  Neighbors

OCTOBER 2008 Newsletter Housing Trends eNewsletter

OCTOBER 2008 Newsletter Housing Trends eNewsletter

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