Sometimes I Feel Like a Piece of Bologna

Thursday, November 14, 2013




I saw this on Facebook recently, but it has been vetted by snopes I’m posting it here just in case you haven’t seen it.  We’re seeing so many scams with both credit cards and Medicare, but this is one I wouldn’t expect my mom to catch on to. Be sure you alert your families. Thanks to for sharing it.

This is a heads up for everyone regarding the latest in Visa fraud. Royal Bank received this communication about the newest scam. This is happening in the Midwest right now and moving.

This one is pretty slick, since they provide YOU with all the information, except the one piece they want.

Note, the callers do not ask for your card number; they already have it.

This information is worth reading. By understanding how the VISA & MasterCard telephone Credit Card Scam works, you'll be better prepare to protect yourself. One of our employees 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 purchase 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 for Security. You will need to refer to this Control Number. The caller then gives you a 6 digit number. '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 last 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 last 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. We were 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. We made a real fraud report and closed the VISA account. VISA is reissuing us a new number. What the Scammer wants 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 Scammer 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 too 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. I dealt with a similar situation this morning, with the caller telling me that $3,097 had been charged to my account for plane tickets to Spain , and so on through the above routine..

It appears that this Is a very active scam, and evidently quite successful..

Tuesday, November 05, 2013

A Mother’s Heart for Her Disabled Children

I have great admiration for anyone who does caregiving at any level. Whether it’s parenting our kids, caring for our aging parents, caring for a disabled spouse, or caring for the needy in our community, caregiving involves sacrifice, a laying down of our lives for another. You know that. Your life and your desires get consumed by the needs of the other.

But there is one level of caregiving that I confess I can’t even imagine – that of caring for a disabled child.  Especially one who has a limited life expectancy. I’ve known several women who do this and they have my constant admiration. Their job won’t end, other than in death. Their hopes and dreams for their child are crushed every day. They have to learn a new level of sacrifice every day.

Catherine Campbell, a nurse from Northern Ireland, has captured this journey well in Under the Rainbow: A Mother’s Experiences of the Promises of God. Catherine had not one, but two daughters with profound genetic disabilities. In the book she gently shares her journey. Her heartbreaks. Her delights. Her unwavering faith in the goodness of God. Under the Rainbow is a story of faith and hope in the midst of daily lifegiving. It is the story of a mother's journey with God through heartache and loss. It reveals with remarkable honesty the disappointment, devastation and even anger she feels when confronted with what some would see as unfortunate genetic mistakes. In time, she comes to see it differently. If you have a disabled child or know someone who does, this would make a lovely Christmas gift.

I  reviewed another of Catherine's books, God Knows Your Name: In a World of Rejection, He Accepts You last year. You might check that out as well.

(This book was provided by Kregel Publications for review).