Credit Card Issues Scam
Problem, problems?
We're just calling to let you know that there's a problem with your credit card. You missed a payment. There might be fraud going on. Your current card has been suspended and you need your card. All sorts of things that are just enticing enough to get you to call them back or press 1 to talk to a rep. But none of them are actually true; your credit card was actually fine, and this is not the credit card company that's calling.
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What You Should Know
This fraud is super tricky because it is possible that your credit card company is calling you. After all, they do call to let you know when they suspect fraud, or you're late on a payment, or even to try to get you to add an authorized user to your card. It's even trickier because the fraudsters will spoof the number of a major credit card; so if you google the number, you'll see it coming from Capital One or Chase Bank. If you press 1 to be connected or call the number they leave you in a voicemail, you'll be asked for personal info to identify you; like a social security number or your credit card number, and then they have stolen your identity.
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Here are a couple of REAL voicemails
left with YouMail customers.
Hi this is Linda. We would like to discuss solutions regarding an important business matter at Capital One. Please call back today at 1-866-953-7906 to discuss further. Again the phone number is 1-866-953-7906. Thank you.
What you should do
The best thing to do if you get one of these calls is go to your credit card company's website and call them directly; if there really was a problem they can help you. But never give personal info to someone who calls you, even it looks like your credit card company. We also suggest that you officially report the scammers to the Federal Trade Commission using the link attached.
Our best advice
Make sure you take the extra time to research the call before calling them back. And never call a number that's not published on a major credit card companies website or on the back of your credit card; that's the only safe way to know you're reaching the right people. And don't forget; you can always research the number on YouMail Community Directory to get more info on any number and see if it's been known to make scam calls.