Beware of Bogus Job Offers, Warns Staten Island Commercial Bank

 

Victory State Banks suggests job hunters follow cautionary tips from FTC

 

Victory State Bank is urging job seekers to use caution when responding to offers of employment.

If you’re looking for a job, you may see ads for firms that promise results. Many of these firms may be legitimate and helpful, but the Federal Trade Commission (FTC) points out that others may misrepresent their services, promote out-dated or fictitious job offerings, or charge high fees in advance for services that may not lead to a job.

The FTC advises job hunters do the following before spending money for a response to placement firms or completing placement contracts:

  • Reject any company that promises to get you a job.
  • Be skeptical of any employment-service firm that charges first, even if it guarantees refunds.
  • Get a copy of the firm’s contract and read it carefully before you pay any money. Understand the terms and conditions of the firm’s refund policy. Make sure you understand what services the firm will provide and what you’ll be responsible for doing. If oral promises are made, but don’t appear in the contract, think twice about doing business with the firm.
  • Take your time reading the contract. Don’t be caught up in a rush to pay for services. Stay away from high-pressure sales pitches that require you to pay now or risk losing out on an opportunity.
  • Be cautious about purchasing services or products from a firm that’s reluctant to answer your questions.
  • Be aware that some listing services and “consultants” write their ads to sound like they are jobs when they’re selling general information about getting a job.
  • Follow up with the offices of any company or organization mentioned in an ad or an interview by an employment service to find out if the company is really hiring.
  • Be wary of firms promoting “previously undisclosed” federal government jobs. All federal positions are announced to the public on www.usajobs.gov.
  • Check with your local consumer protection agency, state Attorney General’s Office, and the Better Business Bureau to see if any complaints have been filed about a company with which you intend to do business. You also may contact these organizations if you have a problem with an employment-service firm.

 

 

 

 

About Victory State Bank

VSB Bancorp, Inc. (OTCQB: 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 Contact: 

Relevant Public Relations, LLC

Headquarters: 718‑682‑1509

Mobile: 917‑715‑8761

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

 

 

 

Commercial Bank on Staten Island Points to FDIC ‘Anti-Phishing’ Campaign

 

Victory State Bank is pointing to the Federal Deposit Insurance Corp. (FDIC) as a resource in protecting consumers against Internet fraud.

The FDIC has a Webpage that informs and warns consumers about a type of fraud called "phishing." The term "phishing" – as in fishing for confidential information – refers to a scam that encompasses fraudulently obtaining and using an individual's personal or financial information.  

 

This is how it works, according to the FDIC:

 

    • A consumer receives an e-mail which appears to originate from a financial institution, government agency, or other well-known/reputable entity.
    • The message describes an urgent reason you must "verify" or "re-submit" personal or confidential information by clicking on a link embedded in the message.
    • The provided link appears to be the Web site of the financial institution, government agency or other well-known/reputable entity, but in "phishing" scams, the Web site belongs to the fraudster/scammer.
    • Once inside the fraudulent Web site, the consumer may be asked to provide Social Security numbers, account numbers, passwords or other information used to identify the consumer, such as the maiden name of the consumer's mother or the consumer's place of birth.
    • When the consumer provides the information, those perpetrating the fraud can begin to access consumer accounts or assume the person's identity.

 

For more information about “phishing” scams and how to protect yourself, visit the FDIC online at http://www.fdic.gov/consumers/consumer/alerts/phishing.html.

 

 

About Victory State Bank

VSB Bancorp, Inc. (OTCQB: 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 Contact: 

Relevant Public Relations, LLC

Headquarters: 718‑682‑1509

Mobile: 917‑715‑8761

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

 

 

 

Staten Island Business Bank Helps Spread Word of Military Consumer Protection Day

 

Are you a service member or Veteran? Victory State Bank  wants you to know that today – July 16 -- is the second annual Military Consumer Protection Day (MCPD).

The Federal Trade Commission, along with more than 30 public and private sector organizations, are collaborating to provide military consumers with free resources about managing their money, avoiding scams, and dealing with identity theft in celebration of today’s event.

MCPD is part of Military Consumer, a year-round campaign hosted by the FTC, the Department of Defense, the Consumer Financial Protection Bureau, Military Saves, and other consumer advocacy and military support organizations to empower and engage service members, Veterans and their families with information related to pocketbook issues. 

The centerpiece of MCPD is a town hall/Twitter chat today at 2 p.m.

To join the conversation, which is focused on identity theft and credit-related issues, submit questions using the hashtag #MCPD2014. Visit Military Consumer to learn more about the ongoing campaign, subscribe to the blog, and more.

About The Federal Trade Commission

The Federal Trade Commission works for consumers to prevent fraudulent, deceptive, and unfair business practices and to provide information to help spot, stop, and avoid them. To file a complaint in English or Spanish, visit the FTC’s online Complaint Assistant or call 1-877-FTC-HELP (1-877-382-4357). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 2,000 civil and criminal law enforcement agencies in the U.S. and abroad. The FTC’s website provides free information on a variety of consumer topics. Like the FTC on Facebook, follow us on Twitter, and subscribe to press releases for the latest FTC news and resources.

 

 

About Victory State Bank

VSB Bancorp, Inc. (OTCQB: 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 Contact for Victory State Bank 

Relevant Public Relations, LLC

Headquarters: 718‑682‑1509

Mobile: 917‑715‑8761

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

 

 

Staten Island Commercial Bank Highlights FTC’s Rebate Advice

 

Victory State Bank suggests shoppers become familiar with the dark side of some rebate offers.

As the Federal Trade Commission explains, rebate offers can be irresistible to consumers, slashing the price of consumer goods at the time of purchase or promising partial or full reimbursements after the purchase.

Some manufacturers and retailers entice shoppers with instant cash rebates that can be redeemed immediately at the checkout counter.

But most rebates are of the mail-in variety. They require consumers to pay the full cost of an item at the time purchase, then to send documentation to the manufacturer or retailer to receive a rebate by mail.

The documentation required generally includes the original sales receipt, UPC code, rebate slip, and the customer's name, address and telephone number. In most cases, this paperwork must be sent to the manufacturer or retailer within 30 days of the purchase. Consumers generally receive their rebates up to 12 weeks later.

But the Federal Trade Commission cautions consumers against being "baited" by rebates that never arrive or arrive far later than promised. By law, companies are required to send rebates within the time frame promised, or if no time is specified, within a "reasonable" time. "Reasonable" in this case often is interpreted as within 30 days.

 

When purchasing a product that offers a rebate, the FTC encourages consumers to:

 

    • Follow the instructions on the rebate form and enclose all required documentation in the envelope when filing for a rebate.
    • Make a copy of all paperwork to be mailed when applying for a rebate. It's the only record a consumer will have of the transaction if anything goes wrong.
    • Contact the company if the rebate doesn't arrive within the time promised.
    • If the rebate never arrives or arrives late, file a complaint with the Federal Trade Commission, the state Attorney General or the local Better Business Bureau.

 

 

 

About Victory State Bank

VSB Bancorp, Inc. (OTCQB: 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 Contact: 

Relevant Public Relations, LLC

Headquarters: 718‑682‑1509

Mobile: 917‑715‑8761

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

 

 

Staten Island Commercial Banks Shares Tips For Avoiding ‘Anti-Aging’ Product Scams

 

Victory State Bank looks to FBI for red flags of product fraud

 

Scammers are always trying to dig into consumer wallets. This is why we all need to be diligent about potential fraud.

Are you showing signs of aging? As the years pass, it’s only natural. What isn’t  natural, however, are the rip-offs perpetrated by thieves who claim they can make you look years younger.

 

With this in mind, Victory State Bank is sharing the following tips from the FBI on how to avoid fraudulent “anti-aging” products:

  

  • If it sounds too good to be true, it probably is. Watch out for “Secret Formulas” or “Breakthroughs.”
  • Don’t be afraid to ask questions about the product. Find out exactly what it should and should not do for you.
  • Research a product thoroughly before buying it. Call the Better Business Bureau to find out if other people have complained about the product.
  • Be wary of products that claim to cure a wide variety of illnesses — particularly serious ones — that don’t appear to be related.
  • Be aware that testimonials and/or celebrity endorsements are often misleading.
  • Be very careful of products that are marketed as having no side effects.
  • Question products that are advertised as making visits to a physician unnecessary.
  • Always consult your doctor before taking any dietary or nutritional supplement.

 

 

 

About Victory State Bank

VSB Bancorp, Inc. (OTCQB: 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 Contact: 

Relevant Public Relations, LLC

Headquarters: 718‑682‑1509

Mobile: 917‑715‑8761

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