詐欺の手口は　VISAないしMASTER　CARD等のセキュリティーを名
乗る電話で、クレディットカードの裏側の下三桁の数字を確認のためと称
して聞き出す手口です。　巧妙なのは詐欺師が前もって調べたあなた
のクレジットカードのインフォーメーションを言ってあなたを信用させるこ
とです。

Credit Card Scam - Snopes.com verifies is true.

See this site for verification-http://www.snopes.com/crime/warnings/creditcard.asp

This one is pretty slick since they provide YOU with all the information, except the one
piece that 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 employee was called on Wednesday from "VISA", and others were called on
Thursday from "Master Card". 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) a 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
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 thanks you and states, "Don't hesitate to call back if you do", and
hangs up. NEVER GIVE ANY CALLER ANY INFORMATION REGARDING
YOUR FINANCIAL INFORMATION!

You actually say very little, and they never ask for or tell you the Card number. But after
the employee was called on Wednesday, he called back within 20 minutes to ask a question.
Is he glad he did! ;The REAL VISA security Department told him it was a scam and in the
last 15 minutes a new purchase of $497.99 was charged to the card.

Long story - short - he made a real fraud report and closed the VISA account. VISA is
reissuing 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 call VISA or Master card directly
for verification of their conversation. The real VISA explained 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 purchase 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, there was a call from a "Jason Richardson
of Master Card" with a word-for-word repeat of the VISA scam. This time he was not allowed
to finish. He hung up! He filed a police report, as instructed by VISA. The police said they are
taking several of these reports daily! They also urged him to tell everybody he knows that this
scam is happening.

Please pass this on to all your family and friends and other retirees who do not use email.. By
informing each other, we protect each other.

私が所属する　Sallaried Retiree Association　からの　回覧メールです。　ジャパンクラブの皆さんにもお知らせします。