Victory State Bank Points to Mobile Cramming Scam



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

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