How to Avoid ‘Cramming’ Charges on Your Mobile Phone Bill

 

 

Staten Island’s only community-based business bank warns of fraudulent phone fees

 

STATEN ISLAND, N.Y. – Have you checked your mobile phone bill lately? See any charges for random text messages you get? Not reading your statement with an eye out for fraudulent charges crammed onto your bill can be a costly mistake.  

It doesn’t have to be that way. Here’s how to detect and avoid cramming charges on your mobile bill:

 

    • Check your phone bill each month. It’s easy to ignore a billing statement after you’ve set up automated online payments. But taking time to read your statement online or the bill in the mail will help you detect fraudulent charges, and save you money.
    • Treat websites that ask for your mobile phone number with caution. Phony websites advertising free prizes (think Justin Bieber tickets) in exchange for your mobile phone number, or other personal information, could be setting you up for a cram.
    • Consider a block on third-party charges. Many phone carriers offer third-party blocking service for free.
    • Know your mobile phone carrier’s policy on refunds for fraudulent charges. Some carriers have a 60-day period for refund requests. Even if you’ve detected a years’ worth of fraudulent charges, the phone carrier may offer to refund only a part of it.

 

 

About Victory State Bank:

VSB Bancorp, Inc. (NASDAQ: VSBN) is the one-bank holding company for Victory State Bank. As Staten Island, N.Y.’s only community-based commercial bank, Victory State Bank operates five full-service locations on the Island: The main office in the community of Great Kills, and branches in the communities of West Brighton, St. George, Dongan Hills and Rosebank. For additional information, Victory State Bank may be reached at 718-979-1100 or visited online http://www.victorystatebank.com.

Media Inquiries:

Relevant Public Relations, LLC

Headquarters: 718 682 1509

http://www.RelevantPR.com

Mobile: 917 715 8761

Email:  This email address is being protected from spambots. You need JavaScript enabled to view it.

 

 

 

Victory State Bank Warns About Fund-Raising Scam

 

STATEN ISLAND, N.Y. – Every day, police and firefighters risk their lives to make your community safer. To show your support, you may consider making a donation when a fund-raiser calls from a fire or police service organization. Before you write the check, the Federal Trade Commission urges you to consider these facts: 

  

  • Ask fund-raisers for identification. Many states require paid fund-raisers to identify themselves as such and to name the organization for which they’re soliciting.
  • Ask how your contribution will be used. Ask what percentage of your contribution will go to the fire or police organization, department, or program. Also ask if your contribution will be used locally. Get written information.
  • Call the organization or your local police or fire department to verify a fund-raiser’s claim to be collecting on behalf of the organization or department. If the claim cannot be verified, report the solicitation to your local law enforcement officials.
  • Ask if your contribution is tax-deductible. Make your check payable to the official name of the group or charity. Avoid cash gifts: Cash can be lost or stolen.
  • Be wary if a fund-raiser suggests you’ll receive special treatment for donating. For example, no legitimate fund-raiser would guarantee that you won’t be stopped for speeding if you have a police organization’s decal in your car window. Don’t feel intimidated about declining to give. A caller who uses intimidation tactics is likely to be a scam artist. Report the call to your local law enforcement officials.

 

 

About Victory State Bank:

VSB Bancorp, Inc. (NASDAQ: VSBN) is the one-bank holding company for Victory State Bank. As Staten Island, N.Y.’s only community-based commercial bank, Victory State Bank operates five full-service locations on the Island: The main office in the community of Great Kills, and branches in the communities of West Brighton, St. George, Dongan Hills and Rosebank. For additional information, Victory State Bank may be reached at 718-979-1100 or visited online http://www.victorystatebank.com.

Media Inquiries:

Relevant Public Relations, LLC

Headquarters: 718 682 1509

http://www.RelevantPR.com

Mobile: 917 715 8761

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

 

How to Apply for Medical Coverage

 

Staten Island Business Bank Share information about Health Insurance Marketplace

 

STATEN ISLAND, N.Y.Victory State Bank would like to you remind you that if you’d like your health coverage to begin Jan. 1, you must enroll in the Health Insurance Marketplace by Dec. 23.  The following information has been provided by the U.S. Centers for Medicare & Medicaid Services:

When you apply online, you’ll follow a 4-step process:

 

  1. Set up an account. Start by going to the Marketplace page. First you'll provide some basic information. Then choose a user name, password, and security questions for added protection.
  1. Fill out the online application. You'll provide information about you and your family, like income, household members, current health coverage information, and more. This will help the Marketplace find options that meet your needs. Important: If your household files more than one tax return, call the Marketplace Call Center at 1-800-318-2596 (TTY: 1-855-889-4325) before you start an application. This is a very important step. Please don’t skip it. Representatives can provide directions to make sure your application is processed correctly.
  1. Compare your options. You'll be able to see all the options you qualify for, including private insurance plans and free and low-cost coverage through Medicaid and the Children’s Health Insurance Program (CHIP). The Marketplace will tell you if you qualify for lower costs on your monthly premiums and out-of-pocket costs on private insurance. You’ll see details on costs and benefits to help you choose a plan that’s right for you.
  1. Enroll. After you choose a plan, you can enroll online and decide how you pay your premiums to your insurance company. You must pay your premium by the date the insurer provides before your coverage can begin. Coverage can begin as soon as January 1, 2014. If you or a member of your family qualify for Medicaid or CHIP, a representative will contact you to enroll.

 

 

About Victory State Bank:

VSB Bancorp, Inc. (NASDAQ: VSBN) is the one-bank holding company for Victory State Bank. As Staten Island, N.Y.’s only community-based commercial bank, Victory State Bank operates five full-service locations on the Island: The main office in the community of Great Kills, and branches in the communities of West Brighton, St. George, Dongan Hills and Rosebank. For additional information, Victory State Bank may be reached at 718-979-1100 or visited online http://www.victorystatebank.com.

Media Inquiries:

Relevant Public Relations, LLC

Headquarters: 718 682 1509

http://www.RelevantPR.com

Mobile: 917 715 8761

Email:  This email address is being protected from spambots. You need JavaScript enabled to view it.

 

 

6 Tips For Buying Gift Cards

 

Staten Island’s only community-based commercial bank

shares advice about shopping for plastic

 

STATEN ISLAND, N.Y. – Gift cards can be a great solution for friends and family during the holidays. Victory State Bank would like to help you make informed decisions when making your purchase. The Federal Trade Commission recommends the following:

 

  • Buy from sources you know and trust. Avoid buying gift cards from online auction sites, because the cards may be counterfeit or may have been obtained fraudulently.
  • Read the fine print before you buy. Is there a fee to buy the card? If you buy a card by phone or online, are there shipping and handling fees? If you don't like the terms and conditions, buy elsewhere.
  • See whether any fees will be deducted from the card after you purchase it.
  • Inspect the card before you buy it. Verify that none of the protective stickers have been removed. Make sure that the codes on the back of the card haven't been scratched off to reveal a PIN number. Report any damaged cards to the store selling the cards.
  • Give the recipient your original receipt so they can verify the card's purchase in case it is lost or stolen.
  • Consider the financial condition of the retailer or restaurant.
    • If you buy a card from a company that files for bankruptcy or goes out of business, the card may be worth less than you had anticipated.
    • If the business closes a store near the recipient, it may be hard to find another location where the card can be used.
    • A company that files for bankruptcy may honor its gift cards, or a competitor may accept the card. Call the company or its competitor to find out. Even if the company is not redeeming gift cards now, check back with them periodically; they may start redeeming cards at a later date

 

 

About Victory State Bank:

VSB Bancorp, Inc. (NASDAQ: VSBN) is the one-bank holding company for Victory State Bank. As Staten Island, N.Y.’s only community-based commercial bank, Victory State Bank operates five full-service locations on the Island: The main office in the community of Great Kills, and branches in the communities of West Brighton, St. George, Dongan Hills and Rosebank. For additional information, Victory State Bank may be reached at 718-979-1100 or visited online http://www.victorystatebank.com.

Media Inquiries:

Relevant Public Relations, LLC

Headquarters: 718 682 1509

http://www.RelevantPR.com

Mobile: 917 715 8761

Email:  This email address is being protected from spambots. You need JavaScript enabled to view it.

 

 

 

 

Beware of Car-Sale Telemarketing Scam,

Warns Staten Island Business Bank

 

STATEN ISLAND, N.Y. – Please allow Victory State Bank to set up the following scenario: You want to sell your car without any hassles for a fair price. So you place an ad on a community website hoping for a quick sale. Shortly thereafter, you get a call from what sounds like an auto company. For a fee, the company promises to put you in touch with a buyer. If your car isn’t sold, they promise to refund your money. So you go ahead and pay the fee, and wait for the company to present a buyer for your car.

The catch? According to a recent case settled by the Federal Trade Commission (FTC), the auto company’s claims are false. There are no buyers, and there is no refund. It’s just another scam designed to bilk consumers.  

Steer clear of telemarketing scams related to selling a car by following these tips:

    • Resist making an immediate decision when someone cold calls you in response to an ad you placed.Scam telemarketers are likely to use high-pressure tactics to get you give them money.
    • Research a company before paying a fee for their service.Go online and use a search engine to find out what the company track record is. Look for any complaints that might signal a red flag.
    • Get the specifics of the service you’re paying for in writing.Ask for a copy of the company policy and terms of the service on paper, and make sure you read and understand the fine print before agreeing to it or signing anything.
    • Register your home and mobile phone numbers with theNational Do Not Call Registry. Although it won’t stop all unsolicited telemarketing calls, it will stop most. If your number is on the registry and you still get calls, they’re likely to be from scammers ignoring the law.
    • Report fraud.If you suspect a company is scamming you after having promised a service and not delivering,file a complaint with the FTC.

 

About Victory State Bank:

VSB Bancorp, Inc. (NASDAQ: VSBN) is the one-bank holding company for Victory State Bank. As Staten Island, N.Y.’s only community-based commercial bank, Victory State Bank operates five full-service locations on the Island: The main office in the community of Great Kills, and branches in the communities of West Brighton, St. George, Dongan Hills and Rosebank. For additional information, Victory State Bank may be reached at 718-979-1100 or visited online http://www.victorystatebank.com.

Media Inquiries:

Relevant Public Relations, LLC

Headquarters: 718 682 1509

http://www.RelevantPR.com

Mobile: 917 715 8761

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.