SQL Server Performance

Not funny

Discussion in 'The Lighter Side of Being a DBA' started by Luis Martin, Mar 30, 2007.

  1. Luis Martin Moderator

    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 &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 "Master Card".

    The scam works like this: Peson 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". 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 thisControl 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 tha nks you and sates, "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 ca ll VISA 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 mor e 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 sca m. 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.



    Luis Martin
    Moderator
    SQL-Server-Performance.com

    All in Love is Fair
    Stevie Wonder


    All postings are provided “AS IS” with no warranties for accuracy.



  2. CanadaDBA New Member

    Good to know Luis. Thanks for sharing!

    CanadaDBA
  3. ndinakar Member

    Yeah man..Recollecting I probably have given the last 3 digits couple of times over fone. But I have not seen any fraud activity on my credit cards though. I generally keep a good track of all my activity on my CC's. I would've noticed it if there was something unusual.

    ***********************
    Dinakar Nethi
    SQL Server MVP
    ***********************
  4. ranjitjain New Member

    Thanx alot Luis, for sharing this useful information.
  5. ghemant Moderator

    Thanks Luis for the use full information.

    Hemantgiri S. Goswami
    MS SQL Server MVP
    -------------------------
    "Humans don't have Caliber to PASS TIME , Time it self Pass or Fail Humans" - by Hemantgiri S. Goswami

    http://hemantgirisgoswami.blogspot.com
  6. FrankKalis Moderator

    At least someone who is trying to be creative here. Not the usual stuff. [<img src='/community/emoticons/emotion-6.gif' alt=':(' />]<br /><br />--<br />Frank Kalis<br />Moderator<br />Microsoft SQL Server MVP<br />Webmaster:<a target="_blank" href=http://www.insidesql.de>http://www.insidesql.de</a>

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