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Third Part of the Tutorial as promised, a lot of new stuff to be shared. Make your diary & keep rocking!! Here it is!!
It's always a good practice to take note of the last transactions and amounts, just in case you get asked
for them later. Listen to them and write them down, I recommend up to 8 transactions for maximum
safety.
So you have the balance and the available credit line now. Nice! So you know how much you can
spend online. Before you go crazy though, there is one more obstacle you need to be aware of: many
sites like Newegg or TigerDirect refuse to ship to an address that is not on file with the bank. And
chances are that your cardholder does not reside at your drop address. Here is how we will solve this
problem, introducing the Account Take-Over fraud, also known as ATO.
ATO is the process in which a fraudster (you) calls the bank to make whatever changes he wants to the
account, without the cardholder knowing. This involves speaking with a customer service agent and
using social engineering. Before you even think about pressing 0 to speak to an agent, make sure you
have, at the very least, the following information in hand:
• Full card number, expiration date, CCV code
• Full billing address of the cardholder (and county)
• Date of birth (and write down the age too, not just the DOB)
• SSN
• MMN (Mother Maiden Name)
• Employer name (facultative, if possible, try to find it on Facebook)
• Car make and model (facultative, if possible, try to do a Google StreetView on the CH's house)
• House size and value (facultative, if possible find it in realestate.com as this is public
information)
• Driver's license number, expiration, state (facultative)
• Previous addresses
• Background report
In case you do not have the MMN, try to guess using common last names in the background report. If
you really cannot find it, sometimes it is possible to get around it with other questions. Once you have
this information in hand, study it, try to remember it. Remember, you are the cardholder, the card is
yours, and you are confident, just like when you call your own bank for a legitimate request.
When you call the bank, you will be usually asked for 3 security tokens. Those tokens can be, but are
not limited to: DOB, SSN, Address, CCV code, cellphone, MMN. If you fail 1 token, you will be asked
2 more. At this point, 2 things can happen:
1. You did it correctly, so the agent will listen to you and will do whatever request you have to do
on the CH's account, and no flags will be raised.
2. The agent suspects an ATO is occuring, and transfers you do the securiy department. This is
called the Verid department, and you will be asked 2 OoW (Out of Wallet) questions. Those are
multiple-choice questions based on the cardholder's credit history and public records. They can
be easy or tricks, it's random every time it happens. If you fail those, they will tell you that they
can't help you and will suggest you show up in person at your bank. They will also ring the
cardholder. So if you fail this one, forget this card, it's burnt to a crisp.
The first thing you want to do on the account is change the billing phone number. Only that. Do
nothing else, as making too many changes will raise a red flag on the account. Call to change the main
billing number and let the card sit still for at least 5 days.
All right, are you ready? Relax, sit in your favorite couch, call the bank, listen to the prompts, and press
0. The message goes on, this call may be recorded for quality purposes.
This is the first example, if you have the correct MMN (this is the most frequently asked token).
Agent: Thank you for calling Chase, my name is Bob, who am I speaking with?
You: James R Layton.
Agent: Thank you mister Latyon, and for security purposes, may I have the mother's maiden name on
the account?
You: Lucile.
Agent: Thank you, and what is your date of birth?
You: October 1st, 1965.
Agent: Thank you mister Layton, what can I do for you today?
This is the second example, if you do not have the MMN. Guess it, and do not hesitate. You know
yourself better than the agent does, and they can only rely on the information they have on their screen
to validate your answers.
Agent: Thank you for calling Chase, my name is Bob, who am I speaking with?
You: James R Layton.
Agent: Thank you mister Latyon, and for security purposes, may I have the mother's maiden name on
the account?
You: Smith.
Agent: I actually have something different here, it starts with C.
You: With C? It's impossible! Her name was Lucy Smith, she never used any other name!
Agent: Well, you do not have any other name that might start with C?
(if you have a last name starting with C on the background report)
You: My aunt's maiden name is Charlotte, but I doubt that's the answer you have on file.
(if you have nothing like that on the report)
You: No, no one in my family uses such a name.
Agent: Oh well, let me take note of this for you, can you confirm the last 4 digits of your social security
number?
You: 4456.
Agent: Thank you, and what is your date of birth?
You: October 1st, 1965.
Agent: And you billing address with the zip code?
You: 123 Fake Street, Fakeville, NY, 10008.
Agent: Thank you Mr. Layton, how can I help you today?
If you hear that, it means you got in. Otherwise, you will be transferred to the security department for
the multiple-choice questions, have your report in hand. If you fail, the card is dead. Make sure you
spoofed the cardholder's number, otherwise you could be asked for other questions like driver's license
number, vehicule plate number, etc. Those are questions you probably do not have the answer to.
Now, what you want to do is change the billing phone number. A sample dialog with the agent can go
as follow.
You: I would like to change my phone number. This phone will be disconnected tomorrow and I want
to give you my new primary number so you can reach me if there is something.
Agent: Okay I see, what is the number?
You: 234-567-8901.
Agent: Thank you, is there something else I can do for you?
You: No thanks.
Agent: Thank you for calling Chase, have a wonderful night.
Once you passed the verification part, the rest is pretty straightforward and is relaxing. Now that you
changed the billing number, let the card rest for at least 5 days. Do not make any transaction. The
cardholder will continue to use his card normally too. During your call, at the end, if you failed the
MMN question, you might want to remind the agent to change the MMN on file to avoid problems next
time you call.
Also take note, at any point, if the agent wants to put you on hold, or says he needs to verify something
and will be back, wait for him to put you on hold, and hang up. It basically means they are going to
ring the cardholder. If this happens, you might want to wait at least 48 hours before calling again, and
you will see just by the automated prompts if the card is burnt or not. Maybe they did not call the
cardholder, but in 90% of the cases, they did. It happens, especially with Citibank, who likes to replace
the Verid questions by a quick ring to the cardholder.
The questions often change when you call, but they always follow a certain pattern. By experience, I
will give you the tokens usually asked by the big 4 banks, but we aware that they might change, or they
might ask you other questions if they believe you are bogus. They can ask for your age to throw you
off, as you might not have to calculate it fast enough using the DOB. If you fail this verification, you
will be transferred to Verid department.
Chase Bank, level: hard
• Full name
• MMN (if failed, last transaction)
• Last 4 of SSN
Citibank, level: medium
• Full name
• Password (pet name, MMN, favorite hobby, or best friend, if failed, last 4 of SSN and CVV)
• Mailing address
• Phone number
Bank of America, level: easy
• Full name
• (sometimes) Verbal password, which is MMN (if failed, DOB)
• Last 4 of SSN
Capital One, level: medium
• Full name
• Last 4 of SSN
• MMN (if failed, DOB and mailing address)
This is the end of third part, get acquainted with the info!! We will continue once you grasp this info!
Just Remember That Everything Works With A Method. Do Not Compromise.Plz Ask Questions Before You Order.
Note: Western Union Transfers are subject to conditions! No 2nd Transaction till you provide different ID & city. Can not stress more, we can not take such risks. Pick up your money, lay low & come back after 15 days with a different ID.
Credit card OR Fullz minimum purchase limit is $100(in Bitcoins),Learn about Bitcoins Before ordering.This is the only payment method that we are accepting at the moment. Thanks
Rate list is given below
US FUllz at $65 Each
UK Fullz at $70 Each
EU Fullz at $70 Each
Simple CC Rate List (Not Fullz):
UNITED_STATES : $20/1(Classic Visa) $50/1 (Mastercards)
UNITED KINGDOM : $35/1(Classic Visa) $70/1 (Mastercards)
EUROPE : $40/1(Classic Visa) $80/1(Mastercard)
China : $40/1(Classic Visa Cards only)
Rusian : $45/1(Classic Visa Cards Only)
France : $100/1(High Balance Mastercards only)
Saudi : $125/1(High Balance Mastercards only)
Western Union Available at Revised rates
$250 Have MTCN of $2200
$350 Have MTCN of $3200
$500 Have MTCN of $5500
$700 Have MTCN of $7500
$1000 Have MTCN of $11000
Western Union Transers are Easiest To Get But Only One Transaction / Per Name in 15 days.
Do Not Ask For The 2nd Before 15 days & you Need a Diferent ID if The Country & City Is The Same.
Login Bank (All Banks Almost)
Bank of America (Approximate Idea of Balance & Price) (Rates revised )
1 . Balance 2500$ = Price 250$
2 . Balance 4500$ = Price 425$
3. Balance 6000$ = Price 550$
4. Balance 9000$ = Price 850$
5. Balance 11000$ = Price 1200$
- Bank HSBC US :
1 . Balance 6000$ = 600$
2 . Balance 8000$ = 800$
- Bank HSBC UK :
1 . Balance 6000 GBP = 725$
2 . Balance 8000 GBP = 950$
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