One Vanilla Scam: How to Prevent and Report

Scammers are using One Vanilla or One Vanilla Reload scams to steal money from their potential victims. Therefore, when someone tells you to pay with a One Vanilla card to claim a prize, help someone out of trouble, or deal with tax issues with the IRS, then that is how you know someone is attempting to scam you. No legitimate organization will claim you have to pay by Vanilla Reload, wiring them money, getting iTunes cards, or putting money on a MoneyPak, or Reloadit card. These methods of payment are used by scammers because they know it is virtually untraceable and victims will never receive their money back, once the money is used or collected.

One Vanilla Scam  How to Prevent and Report

Common One Vanilla Scams

1. Advanced Payment Loan Scams

You are told that you have been pre-approved to apply for a personal loan. The lender claims that in order to receive the full amount of the loan, you are required to make the first two payments as a sign of good faith. The lender asks you to load funds to your prepaid card and give them the card number, and that they will, in turn, apply the remainder of your loan to the same card number. However, the loan never comes through and the lender cannot be traced.

2. Grant Fraud Scams

You receive a letter, email, or phone call claiming that you have been selected to receive a large grant from a company as part of a corporate grant program or assistance plan. Additionally, you receive a check for an amount between a few hundred to a few thousand dollars. The instructions mention that you are to give your prepaid card number to the source of the grant program and then deposit the check, which represents the commission you need to pay, to your prepaid card. It is further explained that after you deposit the check, the grant program will apply the remainder of your grant money to your prepaid card using the numbers you sent. However, the check is invalid (FAKE) but by the time you realize it, you have already revealed your card number and lost your money.

3. Imposter Scams

You receive a letter, email, or phone call from someone claiming to be a law enforcement officer, a government employee, or even a relative. They claim to need money for a cause or because they are injured or in jail and ask that you purchase a Vanilla Reload and give them the PIN. Remember to always verify the identity of the caller. Explain that you will call them back. Always treat your Vanilla Reload PIN like cash. Never give a PIN to anyone or for an account you do not control.

Top 10 Ways to Prevent Fraud

  1. Treat your Vanilla Reload PIN like cash – never give it to anyone.
  2. Only use Vanilla Reload to reload your prepaid card or accounts you control.
  3. Never share receipt information about your Vanilla Reload with anyone else.
  4. Refuse any offer that asks you to buy a Vanilla Reload and share the PIN or receipt information by email or phone.
  5. Don’t use your Vanilla Reload PIN to pay taxes or fees to claim “winnings” on a foreign lottery or prize promotion.
  6. Don't use your Vanilla Reload PIN for any offer that requires you to pay before you get the item unless it’s a trusted merchant.
  7. Don’t email your Vanilla Reload PIN directly to any merchant. Use the PIN to load your prepaid card first and then use your prepaid card to make online purchases.
  8. Be aware of your surroundings. If the person behind you is crowding you, this may be an indication they are trying to see your Vanilla Reload PIN or prepaid card number. Ask them to give you some space.
  9. Be aware of Vanilla Reload’s approved partners before using your Vanilla Reload PIN to reload a prepaid card or other account.
  10. Avoid applying for loans online and always request an explanation of every fee you are charged. Do not pay a Good Faith Security or pay your fees via the purchase of a prepaid card.

If you have been a victim of a One Vanilla scam, please follow these steps:

  • Call our Customer Care team at 1-877-429-8140. Please have your Vanilla Reload information and your receipt available when you call.
  • Contact your local police to file a report.
  • Contact the 3 major credit bureaus to place a fraud alert and obtain copies of your credit reports.
    1. Equifax: 1-800-525-6285
    2. Experian: 1-888-397-3742
    3. TransUnion: 1-800-680-7289
Check the comment section below for additional information, share what you know, or ask a question about this article by leaving a comment below. And, to quickly find answers to your questions, use our search Search engine.

Note: Some of the information in samples on this website may have been impersonated or spoofed.

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June 27, 2020 at 11:39 AM by
One Vanilla Scam: How to Prevent and Report
an anonymous user from: Citrus Heights, California, United States

One Vanilla is a complete fraud. It has been my sad experience that they will take your money, never load it on the card and never reimburse it. Also, they will not give you the names of their managers or phone number in So East Asia or in Atlanta Georgia. It cost me $600 . and much trouble with a credit rating. STAY AWAY FROM THEM!


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Online Threat Alerts Security Tips

Pay the safest way

Credit cards are the safest way to pay for online purchases because you can dispute the charges if you never get the goods or services or if the offer was misrepresented. Federal law limits your liability to $50 if someone makes unauthorized charges to your account, and most credit card issuers will remove them completely if you report the problem promptly.

Guard your personal information

In any transaction you conduct, make sure to check with your state or local consumer protection agency and the Better Business Bureau (BBB) to see if the seller, charity, company, or organization is credible. Be especially wary if the entity is unfamiliar to you. Always call the number found on a website’s contact information to make sure the number legitimately belongs to the entity you are dealing with.

Be careful of the information you share

Never give out your codes, passwords or personal information, unless you are sure of who you're dealing with

Know who you’re dealing with

Crooks pretending to be from companies you do business with may call or send an email, claiming they need to verify your personal information. Don’t provide your credit card or bank account number unless you are actually paying for something and know who you are sending payment to. Your social security number should not be necessary unless you are applying for credit. Be especially suspicious if someone claiming to be from a company with whom you have an account asks for information that the business already has.

Check your accounts

Regularly check your account transactions and report any suspicious or unauthorised transactions.

Don’t believe promises of easy money

If someone claims that you can earn money with little or no work, get a loan or credit card even if you have bad credit, or make money on an investment with little or no risk, it’s probably a scam. Oftentimes, offers that seem too good to be true, actually are too good to be true.

Do not open email from people you don’t know

If you are unsure whether an email you received is legitimate, try contacting the sender directly via other means. Do not click on any links in an email unless you are sure it is safe.

Think before you click

If an email or text message looks suspicious, don’t open any attachments or click on the links.

Verify urgent requests or unsolicited emails, messages or phone calls before you respond

If you receive a message or a phone call asking for immediate action and don't know the sender, it could be a phishing message.

Be careful with links and new website addresses

Malicious website addresses may appear almost identical to legitimate sites. Scammers often use a slight variation in spelling or logo to lure you. Malicious links can also come from friends whose email has unknowingly been compromised, so be careful.

Secure your personal information

Before providing any personal information, such as your date of birth, Social Security number, account numbers, and passwords, be sure the website is secure.

Stay informed on the latest cyber threats

Keep yourself up to date on current scams by visiting this website daily.

Use Strong Passwords

Strong passwords are critical to online security.

Keep your software up to date and maintain preventative software programs

Keep all of your software applications up to date on your computers and mobile devices. Install software that provides antivirus, firewall, and email filter services.

Update the operating systems on your electronic devices

Make sure your operating systems (OSs) and applications are up to date on all of your electronic devices. Older and unpatched versions of OSs and software are the target of many hacks. Read the CISA security tip on Understanding Patches and Software Updates for more information.

What if You Got Scammed?

Stop Contact With The Scammer

Hang up the phone. Do not reply to emails, messages, or letters that the scammer sends. Do not make any more payments to the scammer. Beware of additional scammers who may contact you claiming they can help you get your lost money back.

Secure Your Finances

  • Report potentially compromised bank account, credit or debit card information to your financial institution(s) immediately. They may be able to cancel or reverse fraudulent transactions.
  • Notify the three major credit bureaus. They can add a fraud alert to warn potential credit grantors that you may be a victim of identity theft. You may also want to consider placing a free security freeze on your credit report. Doing so prevents lenders and others from accessing your credit report entirely, which will prevent them from extending credit:

Check Your Computer

If your computer was accessed or otherwise affected by a scam, check to make sure that your anti-virus is up-to-date and running and that your system is free of malware and keylogging software. You may also need to seek the help of a computer repair company. Consider utilizing the Better Business Bureau’s website to find a reputable company.

Change Your Account Passwords

Update your bank, credit card, social media, and email account passwords to try to limit further unauthorized access. Make sure to choose strong passwords when changing account passwords.

Report The Scam

Reporting helps protect others. While agencies can’t always track down perpetrators of crimes against scammers, they can utilize the information gathered to record patterns of abuse which may lead to action being taken against a company or industry.

Report your issue to the following agencies based on the nature of the scam:

  • Local Law Enforcement: Consumers are encouraged to report scams to their local police department or sheriff’s office, especially if you lost money or property or had your identity compromised.
  • Federal Trade Commission: Contact the Federal Trade Commission (FTC) at 1-877-FTC-HELP (1-877-382-4357) or use the Online Complaint Assistant to report various types of fraud, including counterfeit checks, lottery or sweepstakes scams, and more.
  • If someone is using your personal information, like your Social Security, credit card, or bank account number, to open new accounts, make purchases, or get a tax refund, report it at This federal government site will also help you create your Identity Theft Report and a personal recovery plan based on your situation. Questions can be directed to 877-ID THEFT.

How To Recognize a Phishing Scam

Scammers use email or text messages to try to steal your passwords, account numbers, or Social Security numbers. If they get that information, they could get access to your email, bank, or other accounts. Or they could sell your information to other scammers. Scammers launch thousands of phishing attacks like these every day — and they’re often successful.

Scammers often update their tactics to keep up with the latest news or trends, but here are some common tactics used in phishing emails or text messages:

Phishing emails and text messages often tell a story to trick you into clicking on a link or opening an attachment. You might get an unexpected email or text message that looks like it’s from a company you know or trust, like a bank or a credit card or utility company. Or maybe it’s from an online payment website or app. The message could be from a scammer, who might

  • say they’ve noticed some suspicious activity or log-in attempts — they haven’t
  • claim there’s a problem with your account or your payment information — there isn’t
  • say you need to confirm some personal or financial information — you don’t
  • include an invoice you don’t recognize — it’s fake
  • want you to click on a link to make a payment — but the link has malware
  • say you’re eligible to register for a government refund — it’s a scam
  • offer a coupon for free stuff — it’s not real

About Online Threat Alerts (OTA)

Online Threat Alerts or OTA is an anti-cybercrime community that started in 2012. OTA alerts the public to cyber crimes and other web threats.

By alerting the public, we have prevented a lot of online users from getting scammed or becoming victims of cybercrimes.

With the ever-increasing number of people going online, it important to have a community like OTA that continuously alerts or protects those same people from cyber-criminals, scammers and hackers, who are every day finding new ways of carrying out their malicious activities.

Online users can help by reporting suspicious or malicious messages or websites to OTA. And, if they want to determine if a message or website is a threat or scam, they can use OTA's search engine to search for the website or parts of the message for information.

Help maintain Online Threat Alerts (OTA).

One Vanilla Scam: How to Prevent and Report