The South San Francisco Police Department would like to warn its residents about a credit card scam that has been occurring. Protect yourselves from this current trend in credit card scams. This is how it works:
A person will call a household and will state a fake name and badge number. The caller will inform you that he/she is calling from the Security and Fraud Department at <Credit Card Name>.
You will be informed that your card has been flagged for an unusual purchase pattern and wants it verified. The caller will state the credit card and the bank that issued the card. The caller will ask if you recently purchased a certain product or service (This price is usually below $500). Once you deny the unknown charge, the caller will state that a credit will be issued to your account and will verify your address. For effect, the caller will inform you that the company who charged your credit card is being monitored and usually will charge below $500, which is under the purchase pattern that flags most credit cards.
The caller will state that he/she will start a Fraud investigation and will advise you to call the toll-free number on the back of credit card and ask for Security if you have any questions. The caller will issue a fake case or control number.
This is the important part on how the scam works: The caller will verify if you are in possession of the card and will ask the last three numbers printed on the back of the card, which is a security code used to make internet purchases.
Do not give this 3-digit number on the back of your card. This is how the scammers use your credit card information to make purchases. The credit card company does not ask for this 3-digit number because they should have this information since they issued the card to you.
If you receive a similar type of call, you are advised to ask for the complete name and the return phone number of the caller, but do not give any information over the phone. Call back the return number given to you to verify its legitimacy. You should also call the toll-free number on the back of your credit card to verify such an investigation.