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Date: Thu, 30 Sep 2004 16:45:54 -0500
From: Donna_Reed@oag.state.ok.us
Subject: Fw: Credit Card Scam
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Donna Reed
Office of the Oklahoma Attorney General
Consumer Representative
Don't Call Registry
4545 North Lincoln Blvd, Suite 260
Oklahoma City, OK 73105-3498
----- Forwarded by Donna Reed/OAG on 09/30/2004 04:44 PM -----


Jane Wheeler
09/30/2004 04:39 PM

 
        To:     OAG Consumer Protection (Group)
        cc:     Charlie Price/OAG@OAG, Emily Lang/OAG@OAG
        Subject:        Fw: Credit Card Scam


----- Forwarded by Jane Wheeler/OAG on 09/30/2004 04:38 PM -----

"Bill White" <B.White@occemail.com> 
09/30/2004 04:32 PM

To
<Jane_Wheeler@oag.state.ok.us>
cc

Subject
FW: Credit Card Scam







fyi
 
To my friends up the  street.
 
Bill  White


From: George Kiser 
Sent: Thursday, September  30, 2004 4:25 PM
To: Bill White
Subject: FW: Credit Card  Scam

 
FYI -  Just in case you haven't previously received  this... 
 
Subject: a real VISA scam - please read

VISA & MASTERCARD Telephone Credit Card Scam 
  
This information is worth reading.  By understanding how the 
VISA & Mastercard Telephone Credit Card Scam works, you'll 
be better  prepared to protect yourself.  Thanks to Dr.  Pat Cloney 
for  passing this on.  Those con artists get more creative every day. 
  
  
  
My husband was called on Wednesday from "VISA", and I  was 
called on Thursday from "MasterCard".  The scam works like this: 
  
  
  
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> 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 on the back of your card (1-800-VISA) 
and ask for  Security.  You will need to refer to this Control #" 
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, "he needs 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 your card number, the  next 3 
are the 'Security Numbers' that verify you are in possession of the 
card.   These are the numbers you use to make Internet purchases 
to prove you have the card.  Read me the 3 numbers".  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 charge on on our card. 
  
  
  
Long story made  short, we made a real fraud report and closed 
the VISA card, and they are  reissuing us a new number.  What the 
scammers 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 direct.  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 to late and/or harder to actually file 
a fraud report. 
  
  
  
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. 
  
  
  
Please pass this on to all your friends.  By informing each  other, we 
protect each other.   Thank-You. 


--=_alternative 00778B8C86256F1F_=
Content-Type: text/html; charset="us-ascii"


<br><font size=2 face="sans-serif">Donna Reed<br>
Office of the Oklahoma Attorney General<br>
Consumer Representative<br>
Don't Call Registry<br>
4545 North Lincoln Blvd, Suite 260<br>
Oklahoma City, OK 73105-3498</font>
<br><font size=1 color=#800080 face="sans-serif">----- Forwarded by Donna Reed/OAG on 09/30/2004 04:44 PM -----</font>
<br>
<table width=100%>
<tr valign=top>
<td>
<td><font size=1 face="sans-serif"><b>Jane Wheeler</b></font>
<p><font size=1 face="sans-serif">09/30/2004 04:39 PM</font>
<br>
<td><font size=1 face="Arial">        </font>
<br><font size=1 face="sans-serif">        To:        OAG Consumer Protection (Group)</font>
<br><font size=1 face="sans-serif">        cc:        Charlie Price/OAG@OAG, Emily Lang/OAG@OAG</font>
<br><font size=1 face="sans-serif">        Subject:        Fw: Credit Card Scam</font></table>
<br>
<br>
<br><font size=1 color=#800080 face="sans-serif">----- Forwarded by Jane Wheeler/OAG on 09/30/2004 04:38 PM -----</font>
<br>
<table width=100%>
<tr valign=top>
<td width=40%><font size=1 face="sans-serif"><b>"Bill White" <B.White@occemail.com></b> </font>
<p><font size=1 face="sans-serif">09/30/2004 04:32 PM</font>
<td width=59%>
<table width=100%>
<tr valign=top>
<td><font size=1 face="sans-serif">To</font>
<td><font size=1 face="sans-serif"><Jane_Wheeler@oag.state.ok.us></font>
<tr valign=top>
<td><font size=1 face="sans-serif">cc</font>
<td>
<tr valign=top>
<td><font size=1 face="sans-serif">Subject</font>
<td><font size=1 face="sans-serif">FW: Credit Card Scam</font></table>
<br>
<table>
<tr valign=top>
<td>
<td></table>
<br></table>
<br>
<br>
<br>
<br><font size=3>fyi</font>
<br><font size=3> </font>
<br><font size=3>To my friends up the  street.</font>
<br><font size=3> </font>
<br><font size=3>Bill  White</font>
<br>
<hr>
<br>
<br><font size=3><b>From:</b> George Kiser </font>
<br><font size=3><b>Sent:</b> Thursday, September  30, 2004 4:25 PM</font>
<br><font size=3><b>To:</b> Bill White</font>
<br><font size=3><b>Subject:</b> FW: Credit Card  Scam</font>
<br>
<br><font size=3> </font>
<br><font size=3>FYI - <b> Just in case you haven't previously received  this...</b> </font>
<br><font size=3> </font>
<br><font size=3><b>Subject:</b> a real VISA scam - please read</font>
<br>
<br><font size=3>VISA & MASTERCARD Telephone Credit Card Scam  </font>
<br><font size=3>  </font>
<br><font size=3>This information is worth reading.  By understanding how the  </font>
<br><font size=3>VISA & Mastercard Telephone Credit Card Scam works, you'll </font>
<br><font size=3>be better  prepared to protect yourself.  Thanks to Dr.  Pat Cloney </font>
<br><font size=3>for  passing this on.  Those con artists get more creative every day. </font>
<br><font size=3>   </font>
<br><font size=3>  </font>
<br><font size=3>  </font>
<br><font size=3>My husband was called on Wednesday from "VISA", and I  was </font>
<br><font size=3>called on Thursday from "MasterCard".  The scam works like this:  </font>
<br><font size=3>  </font>
<br><font size=3>  </font>
<br><font size=3>  </font>
<br><font size=3>Person calling says, "this is   <name>, and I'm calling from the </font>
<br><font size=3>Security and Fraud Department at  VISA.  My Badge number is </font>
<br><font size=3>12460.  Your card has been flagged for  an unusual purchase </font>
<br><font size=3>pattern, and I'm calling to verify.  This would be  on your VISA </font>
<br><font size=3>card which was issued by <name> bank.  Did you  purchase an </font>
<br><font size=3>Anti-Telemarketing Device for $497.99 from a marketing  </font>
<br><font size=3>company based in Arizona?" </font>
<br><font size=3>  </font>
<br><font size=3>  </font>
<br><font size=3>  </font>
<br><font size=3>When you say  "No", the caller continues with, "Then we will </font>
<br><font size=3>be issuing a credit to your  account.  This is a company we have </font>
<br><font size=3>been watching and the charges range  from $297 to $497, just </font>
<br><font size=3>under the $500 purchase pattern that flags most  cards.  Before </font>
<br><font size=3>your next statement, the credit will be sent to (gives  you your </font>
<br><font size=3>address), is that correct?" </font>
<br><font size=3>  </font>
<br><font size=3>  </font>
<br><font size=3>   </font>
<br><font size=3>You say "yes".  The caller continues...  "I will be starting a  </font>
<br><font size=3>Fraud investigation.  If you have any questions, you should </font>
<br><font size=3>call  the 1-800 number listed on the back of your card (1-800-VISA) </font>
<br><font size=3>and ask for  Security.  You will need to refer to this Control #" </font>
<br><font size=3>The caller then  gives you a 6 digit number.  "Do you need me to </font>
<br><font size=3>read it again?"  </font>
<br><font size=3>  </font>
<br><font size=3>  </font>
<br><font size=3>  </font>
<br><font size=3>Here's the IMPORTANT part on how the scam  works.  The caller </font>
<br><font size=3>then says, "he needs to verify you are in possession  of your card". </font>
<br><font size=3>He'll ask you to "turn your card over and look for some  numbers. </font>
<br><font size=3>There are 7 numbers;  the first 4 are your card number, the  next 3 </font>
<br><font size=3>are the 'Security Numbers' that verify you are in possession of the  </font>
<br><font size=3>card.   These are the numbers you use to make Internet purchases  </font>
<br><font size=3>to prove you have the card.  Read me the 3 numbers".  After you  </font>
<br><font size=3>tell the caller the 3 numbers, he'll say ,"That is correct.  I just  </font>
<br><font size=3>needed to verify that the card has not been lost or stolen, and that </font>
<br><font size=3>you  still have your card.  Do you have any other questions?" </font>
<br><font size=3>After you say  No, the caller then Thanks you and states, "Don't </font>
<br><font size=3>hesitate to call back if  you do", and hangs up. </font>
<br><font size=3>  </font>
<br><font size=3>  </font>
<br><font size=3>  </font>
<br><font size=3>You actually say  very little, and they never ask for or tell you the </font>
<br><font size=3>card number.  But  after we were called on Wednesday, we called </font>
<br><font size=3>back within 20 minutes to ask a  question.  Are we glad we did!  The </font>
<br><font size=3>REAL VISA Security Department  told us it was a scam and in the last </font>
<br><font size=3>15 minutes a new purchase of $497.99  was charge on on our card. </font>
<br><font size=3>  </font>
<br><font size=3>  </font>
<br><font size=3>  </font>
<br><font size=3>Long story made  short, we made a real fraud report and closed </font>
<br><font size=3>the VISA card, and they are  reissuing us a new number.  What the </font>
<br><font size=3>scammers wants is the 3-digit PIN  number on the back of the card. </font>
<br><font size=3>Don't give it to them.  Instead, tell  them you'll call VISA or Master </font>
<br><font size=3>card direct.  The real VISA told us  that they will never ask for </font>
<br><font size=3>anything on the card as they already know the  information since </font>
<br><font size=3>they issued the card!   If you give the scammers  your 3 Digit PIN </font>
<br><font size=3>Number, you think you're receiving a credit.  However,  by the time </font>
<br><font size=3>you get your statement, you'll see charges for purchases you  didn't </font>
<br><font size=3>make, and by then it's almost to late and/or harder to actually file  </font>
<br><font size=3>a fraud report. </font>
<br><font size=3>  </font>
<br><font size=3>  </font>
<br><font size=3>  </font>
<br><font size=3>What makes this more  remarkable is that on Thursday, I got a </font>
<br><font size=3>call from a "Jason Richardson of  MasterCard" with a word-for-word </font>
<br><font size=3>repeat of the VISA scam.  This time I  didn't let him finish.  I hung </font>
<br><font size=3>up! </font>
<br><font size=3>We filed a police report, as  instructed by VISA.  The police said they </font>
<br><font size=3>  </font>
<br><font size=3>are taking several  of these reports daily!   They also urged us to </font>
<br><font size=3>tell </font>
<br><font size=3>   </font>
<br><font size=3>everybody we know that this scam is happening. </font>
<br><font size=3>  </font>
<br><font size=3>   </font>
<br><font size=3>  </font>
<br><font size=3>Please pass this on to all your friends.  By informing each  other, we </font>
<br><font size=3>protect each other.   Thank-You.  </font>
<br>
<br>
--=_alternative 00778B8C86256F1F_=--
]