By Sandy Botkin, Special for USDR
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 and asks: “Do you need me to read it again?”
Here’s the IMPORTANT part of 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?”
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 MasterCard directly for verification of their conversation.
NOTE: The real Visa and MasterCard security will NEVER ask for anything on the card as they already know the information since they issued the card. What is remarkable about this is that I just got a call where they used a word-for-word repeat of this scam. In my case, they told me that someone charged $3,097 for a plane ticket to Spain. Pass this information on and share it with everyone.