I was wondering when someone was going to figure out a way to get the 3 digit security number from us in a phone scam. Read this

My husband 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 pur chase 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 forSecurity.
> >
> > You will need to refer to this Control Number. The caller then gives you
> > a 6-digit umber.
> > "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.
> >
> > 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 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.
> >
> > Long story made short - we made a real fraud report and closed the
> > VISA account. VISA is reissuing us 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 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 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 purchases you didn't make, and by then it's almost to 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.
> >
> > Please pass this on to all your family and friends. By
> > informing each
> > other, we protect each other