How to Rid Your Phone of Telemarketers

  

Staten Island’s only community-based business bank offers advice

for blocking unwanted phone calls at home

 

STATEN ISLAND, N.Y. – If you are fed up with the annoyance of unsolicited phone call, Victory State Bank recommends registering your phone number with the National Do Not Call Registry.

The National Do Not Call Registry gives you a choice about whether to receive telemarketing calls at home.

Most telemarketers should not call your number once it has been on the registry for 31 days. If they do, you can file a complaint at https://complaints.donotcall.gov/complaint/complaintcheck.aspx.

You can register your home or mobile phone for free.

After logging onto https://www.donotcall.gov/register/reg.aspx, follow the registration steps below:

 

 

About Victory State Bank:

VSB Bancorp, Inc. (OTC: 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.

 

 

10 Ways to Avoid Fraud

 

Scam artists in the U.S. and around the world defraud millions of people each year. They use the phone, email, postal mail, and the Internet to trick you into sending money or giving out personal information.

Victory State Bank suggests you become acquainted with the following 10 things you can do — or not do — to stop a scam:

 

WHAT TO DO

Know who you’re dealing with.

Try to find a seller’s physical address (not a P.O. Box) and phone number. With internet phone services and other web-based technologies, it’s tough to tell where someone is calling from. Do an online search for the company name and website, and look for reviews. If people report negative experiences, you’ll have to decide if the offer is worth the risk. After all, a deal is good only if you get a product that actually works as promised.

Know that wiring money is like sending cash.

Con artists often insist that people wire money, especially overseas, because it’s nearly impossible to reverse the transaction or trace the money. Don’t wire money to strangers, to sellers who insist on wire transfers for payment, or to anyone who claims to be a relative or friend in an emergency and wants to keep the request a secret.

Read your monthly statements.

Scammers steal account information and then run up charges or commit crimes in your name. Dishonest merchants bill you for monthly “membership fees” and other goods or services without your authorization. If you see charges you don’t recognize or didn’t okay, contact your bank, card issuer, or other creditor immediately.

After a disaster, give only to established charities.

In the aftermath of a disaster, give to an established charity, rather than one that has sprung up overnight. Pop-up charities probably don’t have the infrastructure to get help to the affected areas or people, and they could be collecting the money to finance illegal activity. For more donating tips, check out ftc.gov/charityfraud.

Talk to your doctor before you buy health products or treatments.

Ask about research that supports a product’s claims — and possible risks or side effects. In addition, buy prescription drugs only from licensed U.S. pharmacies. Otherwise, you could end up with products that are fake, expired, or mislabeled — in short, products that could be dangerous to your health. Learn more about buying health products online.

 

Remember there's no sure thing in investing.

If someone contacts you with low-risk, high-return investment opportunities, stay away. When you hear pitches that insist you act now, that guarantee big profits, that promise little or no financial risk, or that demand that you send cash immediately, report them at ftc.gov.

 

WHAT NOT TO DO

Don’t send money to someone you don’t know.

Not to an online seller you’ve never heard of — or an online love interest who asks for money. It’s best to do business with sites you know and trust. If you buy items through an online auction, consider using a payment option that provides protection, like a credit card.

If you think you’ve found a good deal, but you aren’t familiar with the company, check it out. Type the company or product name into your favorite search engine with terms like “review,” “complaint,” or “scam.” See what comes up — on the first page of results as well as on the later pages.

Never pay fees first for the promise of a big pay-off later — whether it’s for a loan, a job, a grant or a so-called prize.

Don’t agree to deposit a check and wire money back.

By law, banks have to make funds from deposited checks available within days, but uncovering a fake check can take weeks. You’re responsible for the checks you deposit: If a check turns out to be a fake, you’re responsible for paying back the bank. No matter how convincing the story, someone who overpays with a check is almost certainly a scam artist.

Don’t reply to messages asking for personal or financial information.

It doesn't matter whether the message comes as an email, a phone call, a text message, or an ad. Don’t click on links or call phone numbers included in the message, either. It’s called phishing. The crooks behind these messages are trying to trick you into revealing sensitive information. If you got a message like this and you are concerned about your account status, call the number on your credit or debit card — or your statement — and check on it.

Don’t play a foreign lottery.

It’s illegal to play a foreign lottery. And yet messages that tout your chances of winning a foreign lottery, or messages that claim you’ve already won, can be tempting. Inevitably, you have to pay “taxes,” “fees,” or “customs duties” to collect your prize. If you must send money to collect, you haven’t won anything. And if you send any money, you will lose it. You won’t get any money back, either, regardless of promises or guarantees.

Report Scams

If you think you may have been scammed:

If you get unsolicited email offers or spam, send the messages to This email address is being protected from spambots. You need JavaScript enabled to view it. .

If you get what looks like lottery material from a foreign country through the postal mail, take it to your local postmaster.

 

 

If you get unsolicited email offers or spam, send the messages to This email address is being protected from spambots. You need JavaScript enabled to view it. .

If you get what looks like lottery material from a foreign country through the postal mail, take it to your local postmaster.

 

 

 

 

 

Victory State Bank Shares 9 Tips For Protecting Your Bank Account

     

STATEN ISLAND, N.Y. – It’s quite obvious that personal and business banking information need to be secured at all times. Victory State Bank works hard and responsibly to protect the private data of its customers.

When it comes to protecting a bank account, there are additional steps you can follow to ensure the safety of your bank account.

Victory State Bank suggests you following these security tips from the New York State Department of Financial Services:

 

  • Be careful about the type of information you provide on your personal checks. Never print your driver's license number or your Social Security number on your checks.
  • Balance your checkbook and read your statement every month to check for errors and avoid overdraft or "bounced checks." Immediately report any errors you find.
  • An ATM card can sometimes be used to make purchases as a debit card linked to your checking or savings account. Remember that it is not a credit card and money spent will be deducted almost immediately from the bank account to which it is attached.
  • Exercise caution when making ATM withdrawals, particularly from a machine that is located in a non-bank environment, such as a grocery store, deli or shopping mall. These locations are not regulated by the Department of Financial Services.
  • Choose a PIN that is unique. Don't use your birthday, social security or another obvious number. Don't use your mother's actual maiden name. When asked, substitute a different password.
  • Never store your PIN with your ATM card and never give out your PIN number to anyone.
  • Before proceeding with a transaction, look around to see if you see anyone who may arouse your slightest suspicion. Use your free hand to cover the ATM keyboard while you type your PIN number.
  • Never leave your transaction receipts behind at the ATM.
  • If your card is lost or stolen or if you suspect it is being used fraudulently contact your bank and then contact the three credit reporting agencies to put a fraud alert on the card.

 

 

 

 

 

About Victory State Bank

VSB Bancorp, Inc. (OTC: 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 onlinehttp://www.victorystatebank.com.

Media Inquiries:

Relevant Public Relations, LLC

Headquarters: 718‑682‑1509

www.RelevantPR.com

Mobile: 917‑715‑8761

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

 

  

What Should You Ask If Credit Is Denied?

  

 

STATEN ISLAND, N.Y. – If a creditor or insurance company says you were denied credit or insurance because you are too near your credit limits on your credit cards, you may want to reapply after paying down your balances. Because credit scores are based on credit report information, a score often changes when the information in the credit report changes.

If you’ve been denied credit or insurance or didn’t get the rate or terms you want, Victory State Banks suggests you ask these questions:

Ask the creditor or insurance company if a credit scoring system was used. If it was, ask what characteristics or factors were used in the system, and how you can improve your application.

If you receive a notice explaining that you are being offered less favorable credit terms than those offered to most other consumers, ask the creditor or insurance company why you aren’t getting its best offer.

If you are denied credit or not offered the best rate available because of inaccuracies in your credit report, be sure to dispute the inaccurate information with the credit reporting company. To learn more about this right, see Disputing Errors on Credit Reports.

 

 

 

About Victory State Bank:

VSB Bancorp, Inc. (OTC: 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.

 

 

 

Before Making Charitable Donation, Check Out the Charity

 

Staten Island’s only community-based business bank shares suggestions for making wise contributions

 

STATEN ISLAND, N.Y. – When making charitable donations, it’s important  to ensure that those in need, not scam artists, are the one who will benefit.

With this in mind, Victory State Bank urges you to heed the following advice from the Federal Trade Commission:

 

Before you donate:

  • Ask for detailed information about the charity, including name, address, and telephone number.
  • Get the exact name of the organization and do some research. Searching the name of the organization online — especially with the word “complaint(s)” or “scam”— is one way to learn about its reputation.
  • Call the charity. Find out if the organization is aware of the solicitation and has authorized the use of its name. The organization’s development staff should be able to help you.
  • Find out if the charity or fundraiser must be registered in your state by contacting the National Association of State Charity Officials.
  • Ask if the caller is a paid fundraiser. If so, ask:Keep a record of your donations.
    • The name of the charity they represent
    • The percentage of your donation that will go to the charity
    • How much will go to the actual cause to which you’re donating
    • How much will go to the fundraiser

 

  • Make an annual donation plan. That way, you can decide which causes to support and which reputable charities should receive your donations.
  • Know the difference between “tax exempt” and “tax deductible.” Tax exempt means the organization doesn’t have to pay taxes. Tax deductible means you can deduct your contribution on your federal income tax return.
  • Never send cash donations. For security and tax purposes, it’s best to pay by check — made payable to the charity — or by credit card.
  • Never wire money to someone claiming to be a charity. Scammers often request donations to be wired because wiring money is like sending cash: once you send it, you can’t get it back.
  • Do not provide your credit or check card number, bank account number or any personal information until you’ve thoroughly researched the charity.
  • Be wary of charities that spring up too suddenly in response to current events and natural disasters. Even if they are legitimate, they probably don’t have the infrastructure to get the donations to the affected area or people.
  • If a donation request comes from a group claiming to help your local community (for example, local police or firefighters), ask the local agency if they have heard of the group and are getting financial support.
  • What about texting? If you text to donate, the charge will show up on your mobile phone bill. If you've asked your mobile phone provider to block premium text messages — texts that cost extra — then you won't be able to donate this way.

 

 

About Victory State Bank

VSB Bancorp, Inc. (OTC: 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.