OT- Credit card scam warning

"Sniper8052(L96A1)" <[email hidden]> wrote in message
news:[email hidden]...

Quoted message said:

I received the following information from a member of LLoyds Bank staff
and having had a need to talk to visa last week on a similar incident, I
can confirm that this is happening. At this time of year approaching
Christmas, please take note and be aware.

It worked like this: Person calling says, 'this is Carl Patterson (any
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. Did you purchase an Anti-Telemarketing
Company a device/any expensive item, for £497.99 from a marketing company
based in (any town)? 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 (they give 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 0800 number
listed on your card and ask for Security. You will need to refer to this
Control number. They then give you a 6-digit number. 'Do you need me to
read it again?' Caller then says he 'needs to verify you are in possession
of your card' (this is where the scam takes place as up until now they
have requested nothing!). They then ask you to turn your card over.

There are numbers; the first 4 are 1234 (or whatever, as they have your
number anyway). The next 3 are the security numbers that verify that you
are in possession of the card' (these are the numbers they are really
after as these are the numbers you use to make internet purchases to prove
you have the card). 'Read me the 3 numbers.' When you do he says '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? Don't hesitate to call back if you do.'

You actually say very little, and they never ask for or tell you the card
number within 20 minutes the REAL VISA security department told us a new
purchase of £497.99 (amount) WAS put on the cards. Long story made short.

What the scam wants is the 3-digit number and that once the charge goes
through, they keep changing every few days. By the time you get your
statement, you think the credit is coming, and then it's harder to
actually file a fraud report.

THE REAL VISA/MASTERCARD DEPARTMENT REINFORCED THE POINT THAT THEY WILL
NEVER ASK FOR ANYTHING ABOUT THE CARD SINCE THEY ALREADY KNOW EVERYTHING
ABOUT IT!!!!.

What makes this even more remarkable is that on Thursday I got a call from
MasterCard with a word for word repeat of the VISA Scam, they said they
are taking several of these reports daily. Feel free to tell friends,
relatives and co-workers so please pass this on to your friends.

Sniper8052

I have to say this sounds suspiciously like one of those circular 'scam'
messages that everyone is meant to forward to everyone else (one clue is the
message to do exactly that at the bottom), for example I've had a few of the
telephone call/dont press #90 'warnings' from well meaning friends recently,
one of which appears to originate from the police (who you'd have thought
knew better* but maybe that was just made up)

So, how do these people know your name, telephone number and credit card
number in the first place? I'd have thought that anyone in a position to
have those would also be in a good position to already have the security
code as well, and in a good position to commit fraud anyway.

--
Tumbleweed

* well OK maybe not

email replies not necessary but to contact use;
tumbleweednews at hotmail dot com

On Sat, 20 Nov 2004 10:31:50 GMT, "Sniper8052(L96A1)"
<[email hidden]> wrote in message
<[email hidden]>:

Thanks. Entirely believable, I can't imagine why it took the toerags
this long to come up with it. Maybe it's a response to chip & pin
making other types of fraud more difficult.

Guy
--
May contain traces of irony. Contents liable to settle after posting.
http://www.chapmancentral.co.uk

88% of helmet statistics are made up, 65% of them at Washington University

On Sat, 20 Nov 2004 11:01:39 -0000, "Tumbleweed"
<[email hidden]> wrote in message
<[email hidden]>:

Quoted message said:

So, how do these people know your name, telephone number and credit card
number in the first place?

Two spring to mind:

- discarded credit card statement ("dumpster diving"😉
- hijacked delivery documentation from a less-than-careful web seller
(e.g. Hatton's of Liverpool,. who still send full CC details in the
package)

Guy
--
May contain traces of irony. Contents liable to settle after posting.
http://www.chapmancentral.co.uk

88% of helmet statistics are made up, 65% of them at Washington University

In article <[email hidden]>,

Tumbleweed said:

one of which appears to originate from the police (who you'd have thought
knew better* but maybe that was just made up)

Hehe! That reminds me, about a decade ago my then-boss circulated an
email warning of a virus. I had to point out to him that the "virus"
was the email itself: it was capable of replication, but only through
the medium of another agent (the gullible user) propagating it as
instructed in the email.

And that was a supposedly tech-literate boss!

BTW, I have "number withheld" calls barred. It does wonders for the
amount of [censored], which was up to several nuisance calls every day a
few months ago.

--
Nick Kew

"Nick Kew" <[email hidden]> wrote in message
news:[email hidden]...

Quoted message said:

In article <[email hidden]>,

Tumbleweed said:

one of which appears to originate from the police (who you'd have thought
knew better* but maybe that was just made up)

Hehe! That reminds me, about a decade ago my then-boss circulated an
email warning of a virus. I had to point out to him that the "virus"
was the email itself: it was capable of replication, but only through
the medium of another agent (the gullible user) propagating it as
instructed in the email.

And that was a supposedly tech-literate boss!

BTW, I have "number withheld" calls barred. It does wonders for the
amount of [censored], which was up to several nuisance calls every day a
few months ago.

--
Nick Kew

How do you arrange that?

--
Tumbleweed

email replies not necessary but to contact use;
tumbleweednews at hotmail dot com

"Tumbleweed" <[email hidden]> wrote in message
news:[email hidden]...

Quoted message said:

"Nick Kew" <[email hidden]> wrote in message
news:[email hidden]...

Quoted message said:

In article <[email hidden]>,

Tumbleweed said:

one of which appears to originate from the police (who you'd have

thought

Quoted message said:

Quoted message said:

Quoted message said:

knew better* but maybe that was just made up)

Hehe! That reminds me, about a decade ago my then-boss circulated an
email warning of a virus. I had to point out to him that the "virus"
was the email itself: it was capable of replication, but only through
the medium of another agent (the gullible user) propagating it as
instructed in the email.

And that was a supposedly tech-literate boss!

BTW, I have "number withheld" calls barred. It does wonders for the
amount of [censored], which was up to several nuisance calls every day a
few months ago.

--
Nick Kew

How do you arrange that?

telephone preference service,
we did it a few years ago, best thing I ever did. It is also illegal to
phone you if you are on the list without your permission which usually
results in a fairly quick hang up if you tell the caller. It is free.

MartinM said:

Quoted message said:

Quoted message said:

BTW, I have "number withheld" calls barred. It does wonders for the
amount of [censored], which was up to several nuisance calls every day a
few months ago.

--
Nick Kew

How do you arrange that?

telephone preference service,
we did it a few years ago, best thing I ever did. It is also illegal
to phone you if you are on the list without your permission which
usually results in a fairly quick hang up if you tell the caller. It
is free.

Sounds to me like "anonymous call reject" which blocks incoming "witheld
number" calls. I would use it if it was cheaper, but it's £4 per month
which is a lot compared with more useful services like caller diplay which
is only about £1.50 or so.

[email hidden] (Nick Kew)typed

Quoted message said:

BTW, I have "number withheld" calls barred. It does wonders for the
amount of [censored], which was up to several nuisance calls every day a
few months ago.

This might mean you can't get calls from places with PABX switchboards,
including hospitals. Better to register with the Telephone Preference
Service.

--
Helen D. Vecht: [email hidden]
Edgware.

"Adrian Boliston" <[email hidden]> wrote in message
news:[email hidden]...

Quoted message said:

MartinM said:

Quoted message said:

> BTW, I have "number withheld" calls barred. It does wonders for the
> amount of [censored], which was up to several nuisance calls every day a
> few months ago.
>
> --
> Nick Kew

How do you arrange that?

http://www.tpsonline.org.uk/tps/

Adrian Boliston [email hidden] opined the following...

Quoted message said:

Sounds to me like "anonymous call reject" which blocks incoming "witheld
number" calls. I would use it if it was cheaper, but it's £4 per month
which is a lot compared with more useful services like caller diplay which
is only about £1.50 or so.

Except of course that (Apparently), you are not allowed to use caller
display to filter your calls.

I don't remember where I heard that but I seem to recall that there was
some supporting evidence.

Standing by for correction.

JOn

Tumbleweed said:

I have to say this sounds suspiciously like one of those circular 'scam'
messages that everyone is meant to forward to everyone else (one clue is the
message to do exactly that at the bottom),

It doesn't read like a spoof to me, and Lloyds themselves seem to know
about it: http://www.lloydstsb.com/security/common_frauds.asp
at the bottom of the page.

Mike

Jon Senior said:

Except of course that (Apparently), you are not allowed to use caller
display to filter your calls.

I don't remember where I heard that but I seem to recall that there was
some supporting evidence.

Standing by for correction.

This is what OfCom say:
"The advantage of the Caller Display service, over using 1471, is that
you can see who is calling you before you answer, so you can chose not
to answer the call, if you wish, or perhaps leave the call to be
answered by an answering machine, if you have one."

<http://www.ofcom.org.uk/static/archive/oftel/publications/1995_98/technical/clic698.htm>

Mike

"MartinM" <[email hidden]> wrote in message
news:[email hidden]...

Quoted message said:

"Tumbleweed" <[email hidden]> wrote in message
news:[email hidden]...

Quoted message said:

"Nick Kew" <[email hidden]> wrote in message
news:[email hidden]...

Quoted message said:

In article <[email hidden]>,
"Tumbleweed" <[email hidden]> writes:

> one of which appears to originate from the police (who you'd have

thought

Quoted message said:

Quoted message said:

> knew better* but maybe that was just made up)

Hehe! That reminds me, about a decade ago my then-boss circulated an
email warning of a virus. I had to point out to him that the "virus"
was the email itself: it was capable of replication, but only through
the medium of another agent (the gullible user) propagating it as
instructed in the email.

And that was a supposedly tech-literate boss!

BTW, I have "number withheld" calls barred. It does wonders for the
amount of [censored], which was up to several nuisance calls every day a
few months ago.

--
Nick Kew

How do you arrange that?

telephone preference service,
we did it a few years ago, best thing I ever did. It is also illegal to
phone you if you are on the list without your permission which usually
results in a fairly quick hang up if you tell the caller. It is free.

I am signed up with the TPS but it doesnt stop those AFAIK*. It also doesnt
stop 'no answer' calls which are made when an outgoing call centre doenst
have someone to pick up. I had to call the 'no answered calls' service to
get that stopped.

--
Tumbleweed

*for example, a non marketing call, maybe from soemeone who has got outgoing
CLI withheld.

email replies not necessary but to contact use;
tumbleweednews at hotmail dot com

Sniper8052(L96A1) said:

I received the following information from a member of LLoyds Bank staff
and having had a need to talk to visa last week on a similar incident, I
can confirm that this is happening. At this time of year approaching
Christmas, please take note and be aware.

It worked like this: Person calling says, 'this is Carl Patterson (any
name) and I'm calling from the Security and Fraud Department at VISA.

Steady though ..... I had a VERY similar call at 21:45 hours on a
Tuesday night. 'Mr Jack Ouzzi' , 'Yes' 'Have you used you Credit card
today?' 'No'

Anyway it went on ........... the caller assured me that it was
genuine (I challenged him, especially at that time of night) and no
matter what happened my card would be stopped, and that he would not
ask me ANY numbers or details about my card (he knew them already) and
gave me his name and a number to ring to check out his ID. He also
told me to challenge each unknown transaction on my statement.
He was freindly, helpful, understanding about my concern about him and
his call, and very reassuring.

My card had been used for 12 transactions in one day to a total of
£678 .78 in France - USA - and Australia :-|

A genuine Fraud Team Call (thank goodness, although I do check
regularly)

All I can say is, be VERY VERY wary, and double check everything, and
don't give out ANY numbers.

MartinM said:

telephone preference service,
we did it a few years ago, best thing I ever did. It is also
illegal to phone you if you are on the list without your
permission which usually results in a fairly quick hang up if
you tell the caller. It is free.

We're on that. We still get some calls but they tend to be from people with
South African accents.
--
Mark

1x1 wheel, 3x2 wheels & 1x3 wheels.

Helen Deborah Vecht said:

[email hidden] (Nick Kew)typed

Quoted message said:

BTW, I have "number withheld" calls barred. It does wonders for the
amount of [censored], which was up to several nuisance calls every day a
few months ago.

This might mean you can't get calls from places with PABX
switchboards, including hospitals. Better to register with the
Telephone Preference Service.

Almost all companies with more than a handful of employees will tend to have
a PABX these days. If enough people choose to reject anonymous calls then
it might prompt the system administrators to set the system to release
rather than withhold the number.

Quoted message said:

telephone preference service,
we did it a few years ago, best thing I ever did. It is also illegal to
phone you if you are on the list without your permission which usually
results in a fairly quick hang up if you tell the caller. It is free.

Telephone preference service is good. You can do it for both private & business
numbers. It really does reduce the number of unsolicited calls. No more double
glazing sales calls :-) You can also register with the mail & fax preference
services too.

See

http://www.tpsonline.org.uk/tps/
http://www.mpsonline.org.uk/mpsr/
http://www.fpsonline.org.uk/fps/

Cheers, helen s

--This is an invalid email address to avoid spam--
to get correct one remove fame & fortune
h*$el*$$e*nd**$o$ts**i*$*$m*m$o*n*s@$*a$o*l.c**$om$

--Due to financial crisis the light at the end of the tunnel is switched off--

In article <[email hidden]>,

Mike Causer said:

"The advantage of the Caller Display service, over using 1471, is that
you can see who is calling you before you answer, so you can chose not
to answer the call, if you wish, or perhaps leave the call to be
answered by an answering machine, if you have one."

Doesn't help if
(a) You've just jumped up and dashed to the phone in the next door room
(b) You know that in another second it'll divert, at your expense, to
your mobile number.
(c) It's the sixth time bloody "consumer lifestyles" have called that day

I thought it was £4 a quarter, not month.

And of course nothing can stop the buggers calling from a call centre in
Bangalore (or wherever). They show as number unobtainable (which is not
at all the same as withheld), and I have to answer them 'cos there's no
way to distinguish them from a legit call coming from abroad:-(

--
Nick Kew

MartinM said:

"Tumbleweed" <[email hidden]> wrote in message
news:[email hidden]...

Quoted message said:

"Nick Kew" <[email hidden]> wrote in message
news:[email hidden]...

Quoted message said:

BTW, I have "number withheld" calls barred. It does wonders for the
amount of [censored], which was up to several nuisance calls every day a
few months ago.

I don't like that technique, for various reasons, but largely because
my telephone at work withholds its number, because I want incoming
calls to route through teh telephonists who know whether I'm at my
desk or in Kuala Lumpur (or wherever). It's a pain in teh neck when I
call someone and their phone tells me it won't let me.

Quoted message said:

Quoted message said:

How do you arrange that?

telephone preference service,
we did it a few years ago, best thing I ever did. It is also illegal to
phone you if you are on the list without your permission which usually
results in a fairly quick hang up if you tell the caller. It is free.

We have telephone preference service, without barring number withheld
calls, and it has cut nuisance calls to about one a month or two, all
of which are overseas origin, and which are almost entertaining 'cos
once you get off their script they _really_ flounder. If I don't want
to play, I just put the handset down - that is, not hang up, just let
them talk to fresh air. Whenever I check it when next passing the
phone, they've always gone.

regards, Ian SMith
--
|\ /| no .sig
|o o|
|/ \|