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Vanilla Reload Scam


Vanilla Reload Scams: How They Works

(with videos below) Vanilla Reload is a convenient way to load funds to your prepaid cards or online accounts. Unfortunately, criminals found alternative ways to turn this into their advantage by victimizing people all over North America, usually through a fake Cash App payment. There are five variations of the scam. Feel free to read, educate yourself, and make your family and friends aware of these scams by sharing them, using the buttons provided. Let's take a closer look:


Variation 1: Offered Loan

Scammers impersonate loan companies willing to help you with cash. In order to get your loan you are required to pay fees for transactions and insurance. The company will justify that by saying they want to ensure you are not a criminal trying to get the money and run.

Watch the video below to see in detail how the prepaid card scam variation 1 occurs - not only with Vanilla Reload cards, but also with Green Dot MoneyPak card, Ukash cards or a fake Cash App payment.

Prepaid Card Scam in the News Video


Variation 2: Adding Credit To Your Card - Extra Zeroes

This variation itself has two ways to unfolding:

a. If you are an avid Twitter or Instagram user, you might notice tempting posts (or comments posted on purpose on celebrity pictures, so millions of people can see them) stating: "Real People Making Real Money Guaranteed" or "How I Will Make You Money Quick". The scam is mostly aimed at people who are naive, need money, and actually click on the links provided to follow the instructions.

Scammers have their profile pictures typically full of images showing cash and promising to create the same wealth for you. A phone number is provided, as well as several fake testimonials from others who apparently benefited from their services.

As soon as those interested in "making money guaranteed" contact the 'seller', he instructs them to purchase a Vanilla Reload debit card, then add money to it. The owner of the card has to scratch off the back, and give him the security PIN. By doing so, it gives him access to all the money on the card. Here is how he says he'll make you money:

"I have a specific computer software that I use. Once I access your Vanilla Reload account, and the time on the receipt when the card was purchased, I'm gonna simply add zeroes in the system. Once I add a zero to that amount, it's going to turn hundreds into thousands. It's going to cost you $50 per card" says the scammer.

In a nutshell, the crook admits to jailbreak the system, but the victims don't mind, as long as they are promised to make money. 

The issue is, once users give away the PIN on the back of the card, scammers wipe and steal the money linked to the card. Not only the victims lose all the money transferred to the card, but another $50 sent to the scammer beforehand.

b. The second way you can get scammed by this variation is when the criminal impersonates somebody working for Vanilla Reload or any other reloadable card (MoneyPak/Green Dot).

Watch the video below to see a victim explaining exactly how she got scammed.

Victim Explains How Scammers Operate Video


Variation 3: Awards, Lottery, Prizes

Scammers call hundreds of households per day with various fake offers, sweepstakes and prizes – and give the recipients the whole speech about "not needing a credit card or debit card to redeem it". Typically, the fraudsters require the 'winner' to pay only a small 5% of the whole amount, representing an 'admin fee'.

"We only take Vanilla Reload cards, for the safety of our customers", they might say. Relieved by the fact that they don't need to provide personal info or bank account numbers, several victims give their card code for phony registration fees, fines, or any other redeemable prizes.


Variation 4: Purcahsing Stuff on eBay, Craigslist, Gumtree

Whatever item scammers "sell" on these sites, they require the payments via Vanilla Reload, persuading the victims to load money into their card and then to send along the serial number.

If you do that, your card will be emptied almost instantaneously. Justifying this, scammers come up with a good reason for requesting the payment. "I just got my wallet stolen and had to cancel all my accounts, sorry for the inconvenience".


Recommended Read: Deepfake Examples


Variation 5: TV Channels Upgrade

The scam involves calls to customers, offering every channel DirecTV offers for only $365, or a dollar a day, for a year. The customer is even offered a free preview of all the channels as "proof" that the caller is really from DirecTV. The victims, now with the proof they were looking for, agree to the terms of payment, which involves using Vanilla Reload to transfer the money to the "company" for the additional channels.

The caller tricks the victim into giving his DirecTV account information. Another accomplice in his gang then calls DirecTV and pretends to be the customer asking for an immediate upgrade to all channels. Therefore, when the customer wants proof, they are able to offer it by showing accessibility to all channels.

The scammers will tell the victim that they will be out in a few days to complete the upgrade. Of course, no one shows up.

Other financial scams may include the Government Surplus AuctionsSecurities Fraud, the Sell My Structured Settlement Scheme and the Gold IRA Investment Scam.


How To Avoid The Vanilla Reload scam:

Internet software might be a beautiful thing, but don't be naive. Money are not made that easy. You should never do illegal things anyway. On the other hand, you can't win a lottery you never entry for. Always refuse to pay somebody you never seen before with the Vanilla Reload card.

However, keep in mind that the same scam could pulled by criminals not just asking you to use Vanilla Reload, but other reloadable cards as well, such as MoneyPak, Ukash, or Green Dot. Treat these cards like cash - you give it away, you won't have it anymore.


How To Report The Scams

Make your family and friends aware of this scam by sharing it on social media using the buttons provided. You can also officially report the scammers to the Federal Trade Commission using the link below:

Report Scammers To The Federal Trade Commission Here


How to protect yourself more:

If you want to be the first to find out the most notorious scams every week, feel free to subscribe to the Scam Detector newsletter here. You'll receive periodical emails and we promise not to spam. Last but not least, use the Comments section below to expose other scammers.

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Educate yourself with the videos below:


1. Top 5 Amazon Scams in 2020


2. Top 5 PayPal Scams in 2020


3. The Nigerian Scam [Docu-Drama]

This movie shows how a victim lost over $30,000 to an intricate scheme which is still around years later.

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