The credit card fraud begins with a person who sounds like a supervisor calling you on your phone. Since they have your name and your phone number you might relax a bit and think all is on the up and up. It is not. They have a data base and got your phone number and name from that. As the conversation goes on, you realize it still sounds reasonable that they are from your credit card company. Listen carefully and let the person talk without you giving any information. It is important that you do not say much and definitely do not divulge any data.
The person on the other end, claims to have looked over you credit card statement and noticed a charge of $491.99 just recently. The supervisor on the other end of the phone asks if you indeed made a purchase in that amount. The supervisor mentioned the company that the charges were made from and asks you again if you know the company and made such a purchase in the last 24 to 48 hours. No other charges are mentioned, just this one and it is stated in detail. You begin to think the person is helping you with the incorrect charges they mention.
Once the supervisor hears you have not made any purchases in the last 24 to 48 hours at all, the person follows with some facts. Since you have not had any activity in the last 24 to 48 hours, the person repeats your statement, I must inform you that the company named did charge your card with the $491.99 in the last 8 hours. That is the reason for my call, the concerned voice on the other end states. The script is read with skill and the voice on the other end of the phone sets your mind at ease because they will help you, they say.
The voice of the supervisor says there is a massive fraud with your type of credit card in the United States. It is easily accomplished since it is under the radar of $500.00 and it is done quickly. I want you to call the number on the back of your credit card if you know of anyone else that complains about that amount on their credit card and claims they did not buy anything from the company named. They too can have the same help you are getting from me, says the supervisor. The voice continues, I am going to remove the $491.99 from your account.
As you seem to be relieved that the supervisor is removing the charge from your credit card account, the final blow is thrust at you. The supervisor has thus far given you all the correct information, but now is asking for the secret code number to completely remove the $491.99 charges from your personal credit card account. Do not give the person that code. Under any circumstances they never should be given that unless the proof it is encrypted when you divulge that is visible. Since they are on the phone, you have no way of knowing the code will be protected. That is the final blow with the credit card fraud. You stop it by not giving the code and then call your credit card company and report the entire event to them.
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