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Oct 9, 2011
New Credit Card Scam
This has been verified as a real scam. 
Click on the Snopes address below and read about it.
Just 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 prepared to protect yourself.
The scam works like this:
Person calling says - 'This is (name.)
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, and 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, we called back within 20 minutes to ask a question.
Are 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 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 will never ask for anything on the card.
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 too late and/or more difficult to actually file a fraud report.
 
What makes this more remarkable is that on the next day,
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.
 
Dennis R. Moore
Neighborhood Watch Coordinator
Sand Creek Division
Colorado Springs Police Department
4125 Center Park Drive, Colorado Springs, CO 80916
rkling1@progressive.com
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Posted: Oct 9, 2011 10:49am
Oct 4, 2011
ENERGY STAR and the Tax Credit

"The following guidance is not intended as legal advice, and you should consult a tax professional with specific questions.

2011 Tax Credit

On December 17, 2010, President Barack Obama signed into law the Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act of 2010. Under this law, homeowners may claim a tax credit for the purchase of energy-efficient windows, doors, and skylights.

To be eligible for the credit, windows, doors, and skylight must

Homeowners may receive a tax credit equal to 10% of the product cost (installation may NOT be included) up to

  • $200 for eligible windows and skylights
  • $500 for eligible doors

Homeowners may receive no more than $500 total for all energy efficiency tax credits. These caps are also the new "lifetime limits" for the taxable years of 2006 to 2011. If you claimed an energy efficiency credit in a previous taxable year, please consult a tax professional to determine your remaining eligibility for this credit.

The Internal Revenue Service (IR has not yet made a determination as to what documentation a homeowner must retain when claiming this tax credit. Until IRS issues a guidance document for this tax credit, homeowners should save all available documentation, such as purchase receipts, ENERGY STAR labels, and manufacturers' certification statements. Additional information will be provided if and when it is made available from the IRS.

2009-2010 Tax Credit

As of June 1, 2009, windows, doors, and skylights with U-factor and Solar Heat Gain Coefficient (SHGC) ratings of less than or equal to 0.30 are eligible for a federal tax credit of 30 percent of the product price, up to $1,500. Although it seems complicated to determine which products meet those requirements, ENERGY STAR makes it easy. Look for the following ENERGY STAR labels and you can be sure the product you are buying is eligible for the tax credit.

Windows and Skylights
ENERGY STAR Qualified 
in Highlighted Regions
This image shows an ENERGY STAR product qualification label for windows and skylights. The product label states “ENERGY STAR Qualified in Highlighted Regions” at the top and has an ENERGY STAR certification mark on the left. On the right is a map of the United States with the Northern, North-Central, and South-Central Zones highlighted to show where this product qualifies. To learn more about ENERGY STAR climate zones, please contact ENERGY STAR for Windows, Doors, and Skylights at windows@energystar.gov.

See how the label might appear on the window.

ENERGY STAR Qualified 
in All 50 States
This image shows an ENERGY STAR product qualification label for windows, doors, and skylights. The product label states “ENERGY STAR Qualified in All 50 States” at the top and has an ENERGY STAR certification mark on the left. On the right is a map of the United States which is completely highlighted to show that the product qualifies throughout the United States.

See how the label might appear on the window.

Doors This image shows an ENERGY STAR product qualification label for doors. The product label states “ENERGY STAR Qualified in All 50 States” at the top and has an ENERGY STAR certification mark on the left.

This image shows an ENERGY STAR product qualification label for doors. The product label states “ENERGY STAR Qualified in All 50 States” at the top and has an ENERGY STAR certification mark on the left. Beneath this, the label reads “Does this door meet the criteria for its glazing level? (Check only one box)” and is followed by a table. The table outlines the qualification criteria for each glazing level, followed by a column headed “Yes” where the manufacturer is to check, indicating the product qualifies for that glazing level. The first row includes the opaque, the second includes quarter or half-lite (less than or equal to half-lite), and the third includes three-quarter or full-lite (greater than half-lite). Opaque doors must have a U-factor of 0.21 or less and there is not requirement for SHGC. Less than or equal to half-lite doors must have a U-factor of 0.27 or less and an SHGC of 0.30 or less. Greater than half-lite doors must have a U-factor of 0.32 or less and an SHGC of 0.30 or less.

Doors with a checkmark in the "¼ or ½ Lite" or "Opaque" row are eligible for the tax credit.

Windows, Doors, or Skylights This image shows an ENERGY STAR product qualification label for windows, doors, and skylights. The product label states “ENERGY STAR Qualified in All 50 States” at the top and has an ENERGY STAR certification mark on the left.

This label may also appear on some eligible windows, doors, or skylights.

 

Although not required like the labels shown above, this ENERGY STAR label helps identify tax-credit-eligible products:

Tax Credits label: Eligible for up to $1,500 Federal Tax Credit. U-factor and SHGC ≤ 0.30 required. Must be installed in 2009 or 2010. More Details on the Tax Credit

On February 17, President Obama signed into law the American Recovery and Reinvestment Tax Act of 2009. This bill extends and modifies the tax credits for windows, doors, and skylights established in the Energy Policy Act of 2005. The following guidance is not intended as legal advice, and you should consult a tax professional with specific questions.

Qualifying products purchased between January 1, 2009 and December 31, 2010 are eligible for a tax credit equal to 30 percent of the product cost. Installation is not included; be sure to obtain an itemized invoice from your retailer or installer. The maximum amount of homeowner credit for all improvements combined (including roofing, insulation, HVAC, and water heaters) is $1,500 during 2009 and 2010.

Products Purchased before June 1, 2009

Criteria: Windows, doors, and skylights purchased before June 1, 2009 must meet or exceed the prescriptive criteria established by the 2001 Supplement of the 2000 International Energy Conservation Code (IECC) or the 2004 Supplement of the 2003 IECC for the climate zone in which the product is installed.

Documentation: For windows and skylights, homeowners may use either ENERGY STAR labels or manufacturer certification statements to document eligibility for the tax credit. Doors are required to have a manufacturer certification statement.

Products Purchased on or after June 1, 2009

Criteria: Windows, doors, and skylights purchased on or after June 1, 2009 must have U-factor and Solar Heat Gain Coefficient (SHGC) ratings of 0.30 or less. These ratings must be certified by the National Fenestration Rating Council (NFRC). Look for the NFRC label. NFRC is the only federally recognized organization for determining the energy performance of windows, doors and skylights. Please see the NFRC website Exit ENERGY STAR for information concerning product performance.

Documentation: Homeowners must obtain a manufacturer certification statement to document window, door, or skylight eligibility for the tax credit. If the retailer or installer cannot provide this document, it may be available on the manufacturer's Web site."

Source: http://www.energystar.gov/index.cfm?c=windows_doors.pr_taxcredits 

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Posted: Oct 4, 2011 2:35pm
Nov 10, 2009

Consumers Union  

 


It was unbelievable the first time the credit card companies jacked up our interest rates, doubled minimum payments and tacked on huge fees to try and beat a new February law that will help end many of their abusive ways.

Now, they're at it again, and getting even more creative. But with your help, we can stop them cold! 

Just days ago the House passed a bill to freeze interest rate hikes on your card balances, and give you new protections starting Dec. 1 – just in time for the holiday season. House members read your emails and listened to your complaints, and acted quickly. Now, we need the Senate to do the same – a vote could come any day!

Email your Senators right now to stop the rate increases – we can’t afford to wait!

http://cu.convio.net/site/PageServer?pagename=Action_Center

This continued attack on your wallet is no accident. A major credit card reform law that you helped pass goes into effect in February. The card companies begged Congress to delay its implementation so that they could “update their systems” to comply with the new law.

But instead, they’ve spent the time hitting us with new tricks – like a fee for paying off card balances each month. Or variable rate cards that only “vary” if interest rates increase, but don’t give you the full break if they drop in your favor.

If the companies can retool their computers to accommodate these tricks, there’s no reason they can’t abide by the new rules right now. After last week's bipartisan House vote , we have real momentum. Now the Senate must hear that we can’t afford the card company tactics, especially with the holidays approaching.

Email your Senators right now to stop the rate increases – we can’t afford to wait!

http://cu.convio.net/site/PageServer?pagename=Action_Center

After you email the Senate, please forward this to anyone you know who is fed up with these tactics. We have immense power when we band together – let’s put the pressure on now!

Sincerely,
Gail Hillebrand
DefendYourDollars.org
A project of Consumers Union
1535 Mission Street
San Francisco, CA 94103-2512

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Posted: Nov 10, 2009 6:42pm
Sep 22, 2009
Mortgage problems are walloping Americans' credit scores

L.A. Times - Business | September 12, 2009

"Late payments, delinquencies, short sales and foreclosures are on the rise -- and so are the number of borrowers seeing their credit scores plummet, according to scoring company VantageScore Solutions."

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Posted: Sep 22, 2009 8:58am
Jul 29, 2009
www.ConsumersUnion.org

Minerva Novoa
Minerva signs off
Minerva Novoa,
Internet Advocacy Coordinator

Dear Eric,

Do you have fresh lettuce in your fridge?

Last Wednesday, a company recalled romaine lettuce in 29 states due to salmonella. Much of that lettuce was already in people's homes. Did you know about the recall effort so you could check on your greens? Probably not.

It's time we stop relying on unreliable recalls and start to prevent food poisoning up front. The Food Safety Enhancement Act will do that, but we need your Representative to vote FOR it this week, before Congress goes on its recess!

The House could vote THIS AFTERNOON or tomorrow. Act now!


Look at your cell phone
Now look at your phone bill. Ugh! Why can’t you take your phone to another company to get a better deal? Tell Congress to stop the giant telecom companies from holding your phone hostage.

Parties for health reform
Congress is headed home in August, and members need to hear about fixing health care, not just ignoring it. We’re looking for activists to hold house parties (we have tips and help here) where your guests write letters about getting real solutions to their problems.

Has your credit card deal changed?
We’re hearing banks are changing credit card deals before the new reform law takes effect. If your card terms are being messed with tell us about it here so we can know about any new tricks to fight against.

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Posted: Jul 29, 2009 8:27am
Jan 18, 2008

If anyone knows someone looking for a part time or full time position in a team centered company that REALLY values diversity and offers rapid advancement to management, send them to me or send me a resume, subject line (financial services) with a focus on one of the career paths below.

Our firm is looking for positive, team oriented individuals ages 18 to 70 for our rapidly expanding offices located all across the United States. It is possible to work from home. Free training is offered. A real estate or insurance license is helpful, though not required.
 
Contact me if you are interested in finding out more about a career in the financial services arena, which may include one or more of the following career paths; credit counseling,  legal services, finance, loans, real estate, consulting, counseling, money management, training, management, recruiting, HR, human resources, mortgages, investing, speaker, coaching, sales, marketing, online marketing, wealth management, asset management, property management, loan officer, real estate agent, broker, insurance, or preventing foreclosures.

Nov 14, 2006
http://www.care2.com/news/member/979852695/220968

Please note the above story;

New credit cards rely on wireless radio frequency chips. Anyone can now purchase items just by waving a card near a wireless card scanner.

The problem is that anyone with a wireless scanner can pick up all of your card information and ID without even touching your card, even if it is inside your wallet or purse.... maybe even inside of your car.

Read the article above to find out more and how to protect your ID and credit card from wireless theft.

For more information about fraud and how to prevent it, go to Fraud Busters on Care2....
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Posted: Nov 14, 2006 10:34am

 

 
 
Content and comments expressed here are the opinions of Care2 users and not necessarily that of Care2.com or its affiliates.

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Good H.
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