topic Credit Card Fraud Investigator SCAM in Community Chat

Credit Card Fraud Investigator SCAM

Marp — Mon, 13 Mar 2017 23:24:12 GMT

Scammers have come up with a new and clever way to access your credit card. They’re pretending to be the very people who protect you from hacks: Credit card fraud investigators.

A lot of us have gotten the real call from our credit or debit card company asking if we’ve made a purchase.

Roy Worley got one when he made a trip to Vegas.

“They called that afternoon, and Mr. Worley, did you make this charge and that charge and were you renting a car in Vegas,” he said, reciting the phone call.

He says they asked him a series of questions to verify it was him.

Scammers have realized, impersonating the fraud investigators is a clever way to get you to divulge your information without you realizing you’re handing it over to the criminals themselves.

That’s just what happened to Morgan Fletcher in Spartanburg.

“They were saying that they were with bank of America and that I had fraudulent charges on my account and that they needed to verify that I was the rightful user of the credit card with my user name and password,” said Fletcher.

In some cases, the scammers already have your card number through a breach. They just need you to give up the three digit security code.

More: http://wspa.com/2017/03/13/scam-alert-that-credit-card-fraud-investigator-may-be-a-scammer/

Re: Credit Card Fraud Investigator SCAM

Kachina624 — Mon, 13 Mar 2017 23:30:01 GMT

I would never give information to someone who called me. I've had this happen with B of A, and they didn't call me. I believe I got an email asking that I contact them and I looked up the phone number.

Re: Credit Card Fraud Investigator SCAM

Irshgrl31201 — Mon, 13 Mar 2017 23:41:20 GMT

I know people do it but it is hard to believe that people would actually give any information including their 3 digit code. There has never been a time where the credit card company asked for that and any sensitive info and my cc has been breached several times. I would just never give anyone who I called or called me that info.

Re: Credit Card Fraud Investigator SCAM

millieshops — Mon, 13 Mar 2017 23:46:33 GMT

@Irshgrl31201Does that mean you don't have a card on file with anyone? I think they all ask for that security number the first time you use a card with them online?

Re: Credit Card Fraud Investigator SCAM

Kachina624 — Tue, 14 Mar 2017 00:03:28 GMT

@Irshgrl31201 wrote:
I know people do it but it is hard to believe that people would actually give any information including their 3 digit code. There has never been a time where the credit card company asked for that and any sensitive info and my cc has been breached several times. I would just never give anyone who I called or called me that info.

@Irshgrl31201 Everytime you hand your card to a store clerk, cashier or server, you're sharing that 3-digit code. There is just no way you can keep every bit of information absolutely private in this day and age.

Re: Credit Card Fraud Investigator SCAM

JustJazzmom — Tue, 14 Mar 2017 00:37:44 GMT

@millieshops wrote:
@Irshgrl31201Does that mean you don't have a card on file with anyone? I think they all ask for that security number the first time you use a card with them online?

Most companies no matter how many times you use the card will ask you to fill in that 3 digit number. That is not saved if you do have a credit card on file either.

Have you noticed when you receive a new card in the mail, the 3 digit code is different from the card being replaced for whatever reason (new expiration dated card, stolen or lost card being replaced, etc.)?

Re: Credit Card Fraud Investigator SCAM

debcakes — Tue, 14 Mar 2017 00:49:58 GMT

@millieshops wrote:
@Irshgrl31201Does that mean you don't have a card on file with anyone? I think they all ask for that security number the first time you use a card with them online?

But you make the call. If I call QVC to order and they ask me all that info, that's ok. But if someone calls me and says they are from QVC and need my credit card info, I should not give it to them.

Re: Credit Card Fraud Investigator SCAM

Moonchilde — Tue, 14 Mar 2017 01:20:52 GMT

When I've been hacked, the tip-off was an EMAIL (and sometimes an online sale declined) asking me to call the bank. I've never had a cold call. I would hang up and call the bank myself.

Re: Credit Card Fraud Investigator SCAM

chrystaltree — Tue, 14 Mar 2017 04:08:40 GMT

Who would do such a thing? Really, these "warnings" about things that no one in their right mind would ever do are getting ridiculous. We read about one every day and I suspect they aren't even true. Fake news comes in all froms now. The vast majority of us never get one of those calls from a bank or credit company and those who do, are smart enough to know that they shoud NOT give out or verify their credit card number . Hellllooooo if the bank/credit card company is calling you...they have the number, they don't have to ask you for it...lol Not to mention passwords and CCV codes. You might as well tell them that you'll leave the door to the house unlocked and the lights on all night...lol Come on over! The one time that hubby got a call about unusual activity on his account, they simply called to verify that he'd made the $2000 purchase. They didn't ask him any information. The purchase raised a red flag because it was on a card that he had had for many years and never had a more than a $200 o $300 balance. He verified the charge was correct, he had paid for a class for our daughter. This happened years ago but even then, he knew better than to give the caller any information at all. Now, everyone knows better and sadly, those who don't because they are naive, dumb or intimidated by a voice on the phone cannot be saved by stories like this.

Re: Credit Card Fraud Investigator SCAM

Kachina624 — Tue, 14 Mar 2017 05:08:05 GMT

@JustJazzmom wrote:
@millieshops wrote:
@Irshgrl31201Does that mean you don't have a card on file with anyone? I think they all ask for that security number the first time you use a card with them online?
Most companies no matter how many times you use the card will ask you to fill in that 3 digit number. That is not saved if you do have a credit card on file either.

Have you noticed when you receive a new card in the mail, the 3 digit code is different from the card being replaced for whatever reason (new expiration dated card, stolen or lost card being replaced, etc.)?

I activated a new Discover Card last night and it had a special 3-digit numeric code in the bottom rt. corner I had to use.

Re: Credit Card Fraud Investigator SCAM

Desertdi — Tue, 14 Mar 2017 07:10:08 GMT

The 3-digit number is not some "secret" code............it only proves that you have the actual card in your possession.

Re: Credit Card Fraud Investigator SCAM

Yahooey — Tue, 14 Mar 2017 11:29:48 GMT

My CC was hacked Saturday. I got an email alerting me of a purchase. To confirm or deny because of potential fraud. I did NOT call the number on the email or confirm/deny purchase via email. I called the number on the back of the card.

They had 3 purchases of gas - all around 30.00. They knew which were my charges and I confirmed the 2 I made. I cannot use the CC and waiting for a replacement. With the storm, it may be another few days as opposed to next day fedex as promised.

Re: Credit Card Fraud Investigator SCAM

Yahooey — Tue, 14 Mar 2017 11:33:35 GMT

My CC was hacked Saturday. I got an email alerting me of a purchase. To confirm or deny because of potential fraud. I did NOT call the number on the email or confirm/deny purchase via email. I called the number on the back of the card.

They had 3 purchases of gas - all around 30.00. I don't own a car. They knew which were my charges and I confirmed the two I made. I cannot use the CC and waiting for a replacement. With the storm, it may be another few days as opposed to next day fedex as promised.

Re: Credit Card Fraud Investigator SCAM

Lipstickdiva — Tue, 14 Mar 2017 13:37:45 GMT

@Moonchilde wrote:
When I've been hacked, the tip-off was an EMAIL (and sometimes an online sale declined) asking me to call the bank. I've never had a cold call. I would hang up and call the bank myself.

And my bank calls me personally. I deal with a local savings and loan and when my card has been hacked where it was actually used or an attempt to use it was made, I receive a call from the fraud department of my bank. However, they have never asked me personal information like my card number, username, password, security code on the back of the card. All they ask is to verify if certain charges were made by me.

If my card is compromised in some way, I get a letter in the mail informint me of that and telling me I will be receiving a new card in the mail.

Re: Credit Card Fraud Investigator SCAM

sarahjaney — Wed, 15 Mar 2017 01:56:43 GMT

@Marp

Thanks for sharing this!

Re: Credit Card Fraud Investigator SCAM

Irshgrl31201 — Fri, 17 Mar 2017 17:44:37 GMT

@Kachina624 wrote:
@Irshgrl31201 wrote:
I know people do it but it is hard to believe that people would actually give any information including their 3 digit code. There has never been a time where the credit card company asked for that and any sensitive info and my cc has been breached several times. I would just never give anyone who I called or called me that info.
@Irshgrl31201 Everytime you hand your card to a store clerk, cashier or server, you're sharing that 3-digit code. There is just no way you can keep every bit of information absolutely private in this day and age.

I don't hand my card to servers, I use cash in a restaurant and my card never leaves me in a dept store, they all have scanners at the checkout that you do yourself. I worked as a server long enough to see other servers add more of a tip or other nefarious things @Kachina624. Of course there is no way to guarantee 100% as I have had my card breached as well and they never gave info on how it happened but there are things we can do to protect ourselves the best we can.

Re: Credit Card Fraud Investigator SCAM

Irshgrl31201 — Fri, 17 Mar 2017 17:51:18 GMT

@millieshops wrote:
@Irshgrl31201Does that mean you don't have a card on file with anyone? I think they all ask for that security number the first time you use a card with them online?

I meant to say that I wouldn't give that info on the phone when being called and questioned about a possible breach. I have been told repeatedly they will never ask for that info. If I even questioned it, I would hang up and call the number on the back of the card. Sorry, I should have been more clear @millieshops. I also don't do auto fill or keep my card on file anywhere or use fast pay that keeps it on file at any store (like Walgreens).

Re: Credit Card Fraud Investigator SCAM

Irshgrl31201 — Fri, 17 Mar 2017 17:52:50 GMT

@debcakes wrote:
@millieshops wrote:
@Irshgrl31201Does that mean you don't have a card on file with anyone? I think they all ask for that security number the first time you use a card with them online?
But you make the call. If I call QVC to order and they ask me all that info, that's ok. But if someone calls me and says they are from QVC and need my credit card info, I should not give it to them.

Exactly, that is originally what I had meant to say. You articulated it better than I @debcakes.

Re: Credit Card Fraud Investigator SCAM

LilacTree — Fri, 17 Mar 2017 17:56:27 GMT

Last week a notice in a square box popped up suddenly while I was online (not the Q). It had a voice message and a long written message as well. It claimed that there was malware on my computer and if they didn't fix it right away, my computer would pass it onto their computer and bring their whole system down. They gave me one minute to click on the key that would enable them to stop all of this from happening. There was a true urgency in the voice.

I immediately pulled the electrical plug from my computer, as I knew that was the quickest way to prevent whatever this hack was going to do. I waited a good ten minutes before I turned my computer back on and immediately ran my virus and malware programs. Everything checked out fine and it didn't come back.

I can't imagine what would have happened to my computer had I not acted quickly. It was something I've never seen before.

Re: Credit Card Fraud Investigator SCAM

jubilant — Fri, 17 Mar 2017 18:24:14 GMT

@chrystaltree

Much of what you say is true but what about the elderly that aren't quite as quick on their feet as they used to be? My mom is 87 and I believe she has a bit of early dementia setting in. She gets rattled more easily than she used to so I really appreciate when someone mentions the latest scams. I call her up and tell her about them. She is always happy to get a heads up. She lived in a time when people didn't have such easy access to your information and I worry that some very "clever" person could sense her situation and "outhink" her at this point.