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Message: <blockquote data-quote="rapa" data-source="post: 989730" data-attributes="member: 212">Guys,Don't know if this has reached you all yet, if not please read andshare......All, I was made aware of this from colleagues in GS&F cards, it's acautionary tale, however, shows the ingenuity of how professional fraudstersare, what's more frightening is that  I've had a genuine call from cards ona transaction I made and the script is almost word perfect with theexception of the stuff in red.Recommendation is if you get a call, you call back Card Centre don't respondto first enquiry. The following is the details provided to/by GS&F.This one is pretty slick since they provide Y O U 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 toprotect yourself.One of our employees was called on Wednesday from "VISA", and I was calledon Thursday from "MasterCard".The scam works like this: Person calling says, "This is (name), and I'mcalling from the Security and Fraud Department at VISA. My badge number is12460. Your card has been flagged for an unusual purchase pattern, and I'mcalling to verify. This would be on your VISA card which was issued by (nameof bank) did you purchase an Anti-Telemarketing Device for ?497.99 from aMarketing company based in London?" When you say "No", the caller continueswith, "Then we will be issuing a credit to your account. This is a companywe have been watching and the charges range from ?297 to ?497, just underthe ?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 fraudinvestigation. If you have any questions, you should call the 0800 numberlisted on the back of your card (0800-VISA) and ask for Security.You will need to refer to this Control Number. The caller then gives you a 6digit number. "Do you need me to read it again?"Here's the IMPORTANT part on how the scam works the caller then says, "Ineed to verify you are in possession of your card." He'll ask you to "turnyour card over and look for some numbers." There are 7 numbers; the first 4are part of your card number, the next 3 are the security numbers thatverify you are the possessor of the card. These are the numbers yousometimes use to make Internet purchases to prove you have the card. Thecaller will ask you to read the 3 numbers to him. After you tell the callerthe 3 numbers, he'll say, "That is correct, I just needed to verify that thecard has not been lost or stolen, and that you still have your card. Do youhave any other questions?" After you say, "No," the caller then thanks youand 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 Cardnumber. But after we were called on Wednesday, we called back within 20minutes to ask a question. Are we glad we did! The REAL VISA SecurityDepartment told us it was a scam and in the last 15 minutes a new purchaseof ?497.99 was charged to our card.Long story - short - we made a real fraud report and closed the VISAaccount. VISA is reissuing us a new number. What the scammers want is the3-digit PIN number on the back of the card. Don't give it to them. Instead,tell them you'll call VISA or MasterCard directly for verification of theirconversation. The real VISA told us that they will never ask for anything onthe card as they already know the information since they issued the card! Ifyou give the scammers your 3 Digit PIN Number, you think you're receiving acredit. However, by the time you get your statement you'll see charges forpurchases you didn't make, and by then it's almost too late and/or moredifficult 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 VISAscam. This time I didn't let him finish. I hung up! We filed a policereport, as instructed by VISA. The police said they are taking several ofthese reports daily! They also urged us to tell everybody we know that thisscam is happening .Lynn CottriallSales Process Adherence AnalystSales Support & ProductivityRBS Retail Banking - Managing Director's OfficeBusiness House D -2nd Floor, GogarburnEdinburghEH12 1HQDepot Code 045Tel; Mon - Wed 07787 105109Tel; Thu - Fri 0131 626 2014<a href="mailto:lynn.cottriall@rbs.co.uk">lynn.cottriall@rbs.co.uk</a></blockquote>

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