ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Text Message Scams - Your Credit Card Deactivated

Updated on September 3, 2012

The Message

From: 317-550-9293: FIREFIGHTERS C.U. Alert: Your CARD starting 4311 has been DEACTIVATED. Please contact us at 317-550-9258.

FEB 10 8:43PM

That's the message I received on my cell phone last night. The more I thought about it, the angrier I got...until I ended up thinking about a hub that needed to be written.

Let me give you the skinny on this scam. I am a member of a credit union. I WORK at the credit union. It is not Firefighters C.U. So, the reason this makes me angry is because many people would have called that number to find out why their credit card had been deactivated thinking it was a legitimate message from the creditor.

Since I work at credit union, I know we didn't send this message out nor would we ever send a text message out to our members like this. For one, we don't have the technology. Maybe if you are with a large bank or a very large credit union, they might have the technology and they might consider the expense involved in sending those kind of text messages. We are a small credit union and anything that costs us money has to be funded by the members of the credit union.


Check In With Common Sense

The scam artist are getting so unscrupulous, it is difficult to sort the good guys from the bad guys half the time. I just heard last week that the new scam being reported in the news with credit cards is the invent of technology that allows a thief to scan you card while it is tucked away in your wallet. They don't even have to see the card or handle it anymore to get the codes off the card. Who thinks up this stuff?

The best rule of thumb is to check in with your own common sense. If you get a letter in the mail stating that you need to call them and talk about your current credit card....pull out your credit card statement and call them from a number off of the bill. Do not respond to e-mails regarding your account and bad inquiries made on your behalf. Almost all of those are scams. Most banks will not contact you via e-mail and what you have received is a phishing scam.

It is not my intent to cover e-mail scams or phishing scams with this notice. My intent is to show you what is being done as THE latest scam. Look closely at the message.

1. They are using my local area code. This means, when you get that text message saying your card has been deactivated, chances are it will be coming from your local city with a call back number.

2. The second part to notice is that they have given me an invalid credit card since I don't have an account at Firefighters C.U. but since I work in a credit union, they have gotten a list from somewhere and were counting on the possibility that I might panic and call to see what the problem is with my credit card.

3. The message clearly states that it is an issue with your card starting with 4311. That almost made me laugh, had I not been so pissed. All Visa cards start with 4.

  • 3 - travel/entertainment cards (such as American Express and Diners Club)
  • 4 - Visa
  • 5 - MasterCard
  • 6 - Discover Card

They simply make up a card beginning number that they already know will match your card knowing that most people will call first and check out the card later.

Always be very careful about giving out any information that relates to you personally.  The obvious is your social security number, birthday, and city of birth.  Unfortunately, we have this stuff plastered all over the internet...one of the hazards of our now socially networked world. 

I put the full message here on purpose, including the telephone number because I am hoping they will get bombarded with legal calls.  I am hoping the FBI, CIA, AFLCIO, PLO, NBA and any other organization on the planet gets their number and tracks these scammers down and puts them in jail.

Be warned.  There is a new scam every day.  This one is coming in on text messages.  It gives the impression of being legitimate because they appear to be giving information we tend to think they shouldn't have.  It makes me angry not only because they are scam artists but because they used one of my text messages to do it!

Comments

    0 of 8192 characters used
    Post Comment

    • profile image

      Johne169 

      4 years ago

      obviously like your website however you need to check the spelling on several of your posts. Several of them are rife with spelling issues and I to find it very bothersome to tell the truth on the other hand I will definitely come again again. bfdgbddkbaka

    • pinto2011 profile image

      Subhas 

      6 years ago from New Delhi, India

      Great eyeopener hub! I think we should all share our bad experiences to help each other. In India, scamsters are calling saying you have won a prize so please give your particulars, while you talk they prepare a clone of your mobile sim card and if you give your particulars to receive the prize, then they can use your sim card as they wish.

    • MzChaos profile imageAUTHOR

      MzChaos 

      7 years ago from Indianapolis

      They don't give us much help...at least we can fight back this way!

    • profile image

      MadAsWell 

      7 years ago

      I got the same text, same day...telling me they were with FINANCE CENTER FCU. The number that sent the text is only 2 numbers off from the number they wanted me to call back. I called the police and because a "crime had not been committed" they couldn't do anything. I said, "It's attempted robbery/theft!!!" Doesn't matter. Ticks me off because whatever happened to trying to prevent a crime???

    • MzChaos profile imageAUTHOR

      MzChaos 

      7 years ago from Indianapolis

      Thank you I was hoping to be helpful and to combat this type of scamming. Really appreciate the feedback.

    • kashmir56 profile image

      Thomas Silvia 

      7 years ago from Massachusetts

      Hi MzChaos glad to hear you did not fall for this scam, but you used something some people don't,common sense .Great information, it will help others who may get this same text on their phones .

      Awesome hub !!!

    working

    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, hubpages.com uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at: https://hubpages.com/privacy-policy#gdpr

    Show Details
    Necessary
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the googleapis.com or gstatic.com domains, for performance and efficiency reasons. (Privacy Policy)
    Features
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Marketing
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Statistics
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)