Ducati Sporting Club UK > General > Idle Chat > Credit Card Scam

[Dementor]

You receive a telephone call, the caller gives his name and badge number (fictitious of course) and states that he is calling from Visa/MasterCard etc Security & Fraud Department.
He states that he is calling to verify a purchase made by you for an unusual item usually quite expensive (c£500) from a company based in (any town)
When you say 'no' the caller goes on to say, "Then we will be issuing a credit to your account, this is a company we have been watching etc etc before your next statement the credit will be sent to (he gives you your address), is that correct?" Once you have confirmed this, the caller goes on to say that he will be starting a fraud investigation and if you have any questions you should call the 0800 number listed on your card and ask for Security. He will then give you a number to refer to.
He will then ask you to confirm you are in possession of your card - this is where the scam begins - they already have your card number but they need the security number (the last three numbers on the back of your card adjacent to your signature) these are required to perform purchases via the internet.
He will ask you to read him the numbers and then he will say "that is correct, I needed them to verify that you are indeed in possession of your card"
Usually within 15 minutes of hanging up, a substantial purchase will be made on your card. You will notice this on your next statement but, as you have been contacted and told to expect a credit you do nothing about it at that time - thus making it all the more difficult to investigate.

Remember, VISA/MASTERCARD etc will never contact you and ask you to give them details from you card - they already have them!
If you receive a call of this nature, hang up, report the matter to the issuing authority - never give card details to anyone on the phone and always ensure you dispose of your credit card receipts properly DO NOT put them in the bin at home, at a petrol station or shopping mall.

[dickieducati]

yeah, tell em to get their curling tongs out

[Rocker]

True they are scum (and that is putting it mildly) but unfourtunately they are clever scum

[Monty]

One of the girls at our factory had this one done to her, luckily she phoned the 0800 number they gave her which is the correct security number and asked the question, low and behold a purchase for £497.95 had been put on her card 15 minutes previously. The card issuers are aware of this scam and are trying to counteract it-like they say they will NEVER ask you to give them your numbers/passwords/anything over the phone.

John

[guest1]

You could always give them an incorrect security number - would that flag the purchase up as incorrect and hence no purchase? At least you could keep them on the phone for a good while so they at least waste a bit more on BT, even though it might be on someone elses card.

[Melnie Mouse]

That's really awful, and I suppose this time of year, people will be falling it for it more....

There's so much of this going on it's scary, my boss Roy had a chque sent to him for loads of money asking for 3 bikes, and it was more than what was needed, the idea then is for my boss to issue a chque back for the difference, and they not only have that, but it costs us the money from the 'bounced' chque too...

Someone else I know has had this happen to a car dealer, and the police said was, cash it, you or them isn't doing anything wrong.. then we hear on the radio rip off files, that after 3 weeks it can take to bounce after being accepted or something, meanwhile the baddies could have the goods. how terrible...

[moto748]

Hav eto say I never understood the logic of

"DO NOT put them in the bin at home, at a petrol station or shopping mall..."

If you're worried about the guy behind the counter, he's already got a copy in his till, without going outside in the rain and rooting around in the bin...

Anyway, surely the number on its own isn't much use to anyone without the security code and/or card-holders address?

[Monty]

"Anyway, surely the number on its own isn't much use to anyone without the security code and/or card-holders address?"-depends if the person concerned has access to a credit card machine-you can draw cash on a credit card you know. There was a scam running from a local garage a year ago which was staffed by 'ethnic's'-they took your credit card number and ran it through for a large sum of money, and took the money out of the till-they did one of my neighbours for a grand!

John

[rockhopper]

When i used to work in a shop we did quite a lot of mail order. We manually type the credit card number into the machine then the expiry date then the amount. At no point did it ask for the three digit security code even though we required the customer to give it to us!!

[bradders]

I did a mail oreder this week and they asked for the 3 digit number - should I not have given that?? (note: AJR so reputable I believe, but more for future reference)