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Preventing Fraud - Vision Prepaid and You

Vision Prepaid customers use their Vision Visa® Prepaid Cards for many reasons, but one of the biggest ones is security. Carrying cash is always risky – Vision Prepaid Cards help customers gain more control over their money, and the Visa Zero Liability Policy* protects customers from unauthorized transactions. But what about fraud? Fraudsters are always coming up with new schemes and they will do whatever it takes to get access to your card and your money.

The best way to prevent fraud is to be prepared – know what risks are out there, and know how to avoid getting caught up in a scam. Being careful who you give your card information to, both online and in person, is the best first step.

Here are some effective ways to protect yourself from fraud:

  • Never give your Vision Prepaid Card number to someone you don’t know.
  • Only Vision Prepaid-affiliated load partners should be used to add money to your card. Find your nearest load locations here.
  • Beware of deals or opportunities that seem too good to be true. They are most likely a scam, and you will lose your money.
  • Beware of any offers that do not accept Visa debit card payments.
  • Beware of websites that do not display the Visa Brand Mark during the payment/checkout process.
  • Monitor your purchases and transactions for fraudulent charges each month.

What to do if you are a victim of fraud:

  • Notify your financial institution when anything appears incorrect.
  • Immediately contact your local law enforcement and file a claim.

Common scams to avoid:

  • Lottery Scam.
    You receive a call or email notifying you that you are the lucky winner of millions of dollars. To receive this money, all you have to do first is to pay a down payment in fees and taxes. Sounds too good to be true? It is. The caller or email may sound legitimate and convincing, but DO NOT send the money. If you do, you will be a victim of fraud and unfortunately never receive the non-existent lottery winnings. Law enforcement has reported that a key country where this type of scam has been seen is Jamaica, and an area code to avoid if you believe you may be the victim of a scam is 876.
  • Job Scam.
    You apply for what seems to be a legitimate job posting. You get the job offer but the company wants you to send money ahead of time to pay for your uniform. DO NOT send the money. Any company that requires uniforms on the job will provide this for FREE.
  • Money-to-Share Scam.
    You receive an official email from someone that claims to be of importance from a foreign country. This person says that there’s a large amount of money that he/she can only access with your help. All you need to do is provide your full name, social security number and your bank account information and the money will be sent to you. You may also receive an official looking check and be instructed to send a share back. DO NOT provide the information or send any money. If you do, you’ll find that your bank account is drained of its balance and your identify has been stolen.
  • Advanced Loan Scam.
    You apply or are solicited for a pre-approved personal loan. The lender tells you that in order to receive the full loan amount, you need to make the first two repayments to show good faith. Unfortunately, the loan never arrives after these payments are made and the lender cannot be contacted.

*The Visa Zero Liability Policy covers U.S.-issued cards only. Does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited, or rescinded by your issuer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify your financial institution immediately of any unauthorized use. Transaction at issue must be posted to your account before provisional credit may be issued. For specific restrictions, limitations and other details, please consult your issuer.

Obtaining Your Card: The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth and other information that will allow us to reasonably identify you. We may also ask to see your driver's license or other identifying documents at any time. Vision Visa Prepaid Cards are issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. and may be used wherever Visa debit cards are accepted. The Bancorp Bank; Member FDIC.