Dealing With Robocalls

Staten Island business bank discusses issue of robocalls

STATEN ISLAND, N.Y. – If you answer the phone and hear a recorded message instead of a live person, it's a robocall.

You've probably gotten robocalls about candidates running for office, or charities asking for donations. These robocalls are allowed.

But if the recording is a sales message and you haven't given your written permission to get calls from the company on the other end, the call is illegal. In addition to the phone calls being illegal, their pitch most likely is a scam.

If you get a robocall:

• Hang up the phone. Don't press 1 to speak to a live operator and don't press any other number to get your number off the list. If you respond by pressing any number, it will probably just lead to more robocalls.

• Consider contacting your phone provider and asking them to block the number, and whether they charge for that service. Remember that telemarketers change Caller ID information easily and often, so it might not be worth paying a fee to block a number that will change.

• Report your experience to the FTC online at or by calling 1-888-382-1222

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.

STATEN ISLAND, N.Y. – Shopping online can save you time, energy and a lot of hassle. However, it is imperative to make safety your top concern whenever you place personal information, such as credit card information, online. Victory State Bank would like to share the following safety tips:

Know who you're dealing with.
Anyone can set up shop online under almost any name. Confirm the online seller's physical address and phone number in case you have questions or problems. And if you get an email or pop-up message that asks for your financial information while you're browsing, don't reply or follow the link. Legitimate companies don't ask for information that way.

Know what you're buying.
Read the seller's description of the product closely, especially the fine print. Words like "refurbished," "vintage," or "close-out" may indicate that the product is in less-than-mint condition, while name-brand items with bargain basement prices could be counterfeits.

Know what it will cost.
Check out websites that offer price comparisons and then compare "apples to apples." Factor shipping and handling into the total cost of your purchase. Do not send cash or money transfers under any circumstances.

Check out the terms of the deal, like refund policies and delivery dates.

Can you return the item for a full refund if you're not satisfied? If you return it, who pays the shipping costs or restocking fees, and when you will get your order? A Federal Trade Commission (FTC) rule requires sellers to ship items as promised or within 30 days after the order date if no specific date is promised. Many sites offer tracking options, so you can see exactly where your purchase is and estimate when you'll get 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 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.

 

 

 

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.