--- On Wed, 10/26/11, James M. Ramalho <jmr3749@comcast.net> wrote:
From: James M. Ramalho <jmr3749@comcast.net>
Subject: FW: BANK FRAUD....YOU NEED TO READ THIS, DON'T DELETE
To: cornmash007@yahoo.com
Date: Wednesday, October 26, 2011, 5:55 AM
From: Carl Panzieri [mailto:carlp@tromblyplumbing.com]
Sent: Wednesday, October 26, 2011 8:07 AM
To: Tom Brown; SHIRLEY; Ron Panzieri; Mike Miville; MConroy@Podemassociates.com; Linda Dross; Kenneth Sullivan; Karen Placey; jimtrombly@yahoo.com; Jim Ramalho; Frank Trombly; Frank Marion; Doris Blankenship; Don Panzieri; Clark Corson; Angie ; Ande Smith
Subject: Fw: BANK FRAUD....YOU NEED TO READ THIS, DON'T DELETE >> > Just a heads up for everyone regarding the latest in Visa
> > fraud. Royal Bank received this communication about the newest scam. This is
> > happening in the Midwest right now and moving.
> >
> > 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 'MasterCard'.
> >
> > The scam works like this:
> >
> > Person 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 this Control 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 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. Are 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 want 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 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 Scammer 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 more
> > 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 MasterCard' with a word-for-word repeat of
> > the VISA Scam. 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. I dealt with a similar situation this morning,
> > with the caller telling me that $3,097 had been charged to my account for
> > plane tickets to Spain , and so on through the above routine..
> >
> > It appears that this Is a very active scam, and evidently
> > quite successful..
> >
> > Pass this on to all your family and friends.
> >
> >
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