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  #1  
Old 10-24-2007, 02:33 PM
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Angry

Cashier's Check Fraud

What is the name of your state? Delaware

I have recently been a victim of cashier's check fraud. I have been in a financial bind and have been looking for a new job and part time job, I came home one day to c that I had a letter post marked from Canada with no return address on it. I opened the letter to find a cashiers check for $3,577 drawn on an a bank Ohio and an offer for employment from a company out of Kansas. It was for a secret shopper position. I was to deposit the money in to my checking acct wait for it to clear and then make 2 purchases one at sears and Walmart, at Walmart I was to also use their w/u service 2 wire $2978 to a woman in Texas... well me being smart I decided to deposit it and wait for my bank to verify that the check was good. I called my bank and they told me the funds were verified and that it was okay for me to use the money, I asked them if they were sure, the gentleman said yes ma'am its fine for you to use the money. So luckily I didn't send them the $2978 however I did start spending the money on personal things, then the following week on Monday, I logged in to my acct online and come to find out my acct was overdrawn $668... I contacted the bank immediately and was told that the check was returned bcuz the federal reserve could not get the money. I then called back later on that day and another representative told me that he doesn't know y the lady from earlier told me that bcuz the transaction is still pending... he told me to call back in the morning once its posts... so thats wat I did... I spoke with a woman as soon as they opened and she told me that this situation was under review in their fraud dept but they weren't open yet. So I called back later that day... The lady that I spoke to then told me that she didn't kno wat the lady was talking about this morning and that it wasnt under review in any dept. I then demanded that I speak with a supervisor bcuz I have been getting nothing but the run around. So of course the supervisor gave me this excuse about how she apologized on behalf of my bank and tells me that I should be receiving a letter shortly possibly with the check enclosed... There was nothing they could do and I was responsible for paying the money back to the bank bcuz I made the transactions. I called back that evening and spoke with a representative who then also told me the same thing and to also file a police report. She also said that due to bank error she would credit my acct any overdraft or nsf fee's. I went in to a branch and I was told the same thing by an Assistant Branch Manager.

My main question is should I be held liable for paying them back the $668 when they gave me the authorization to use the funds?

Y would they refund all of the fee's if they are saying that I am 100% responsible, that shows signs of guiltiness there.

I am in need of a checking acct and they are refusing to open a new one and they are treating me as if I am the criminal when I am obviously the victim.

Can Someone Help Please?!?!
Last edited by TiffanyAA; 10-24-2007 at 02:38 PM. Reason: make changes
  #2  
Old 10-24-2007, 02:43 PM
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That is the oldest scam out there.
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  #3  
Old 10-24-2007, 02:44 PM
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They are refunding you the overdraft fees, and for you should be grateful they are doing that much. You got a check out of the blue for $3577 and were SUPPOSED to forward $2978 by Western Union to someone else. You spent more than you had "earned" to begin with. Secondly, YOU purchased items. The bank didn't twist your arm and say "Buy that item", so no, they are not responsible for the $668. Take all the items you purchased with that money and return them so that you can pay the bank back what you owe them, and see if they will allow you to pay them back in installments for what you can't return.

Where have you been the last couple of years?? Even without being on the internet, there have been stories in all the newspapers and tv stations about Western Union Fraud with stuff like this happening all over...
  #4  
Old 10-24-2007, 03:23 PM
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Once again, let me say this, I did make the transactions, but only because they gave me the authorization. I shouldn't be grateful bcuz they are refunding the fee's bcuz there shouldn't b n e to start with. I asked for an answer to my question, not your opinion or sarcasm THANKS!
  #5  
Old 10-24-2007, 03:25 PM
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good luck.
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Originally Posted by arazi
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  #6  
Old 10-24-2007, 03:28 PM
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Quote:
Originally Posted by TiffanyAA View Post
My main question is should I be held liable for paying them back the $668 when they gave me the authorization to use the funds?
Yes

Quote:
Y would they refund all of the fee's if they are saying that I am 100% responsible, that shows signs of guiltiness there.
They are trying to provide good customer service to a customer who was obviously gullible/naive and got sucked in to a scam

Quote:
I am in need of a checking acct and they are refusing to open a new one and they are treating me as if I am the criminal when I am obviously the victim.
They are NOT refusing to open an account. They are requiring that you pay the debt you owe them before they open an account. Sounds like a good way to run a business to me.

Quote:
Can Someone Help Please?!?!
Yes - YOU can help you. Pay the bank back.

EDIT: If you'd like, I can tell you exactly what you want to hear instead.
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  #7  
Old 10-24-2007, 03:33 PM
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I am not gullible nor naive thats why I took the caution of contacting my bank. They r not conducting business in a good way because they are falsifying information... there is no law that protects consumers against that?
  #8  
Old 10-24-2007, 03:43 PM
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Originally Posted by TiffanyAA View Post
I am not gullible nor naive thats why I took the caution of contacting my bank. They r not conducting business in a good way because they are falsifying information... there is no law that protects consumers against that?
They didn't falsify information. Sometimes it takes longer than "usual" to be notified of a bad check. You even said yourself that you used the money on personal items instead of spending it how you were supposed to. So, I suppose that you'd rather have been caught stealing money that didn't belong to you, than reimburse the bank for the amount that you overdrafted your account.

No, there are no laws that protect a consumer when they deposit a check that doesn't clear.
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Originally Posted by arazi
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  #9  
Old 10-24-2007, 03:43 PM
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Originally Posted by TiffanyAA View Post
I am not gullible nor naive
If that were true, you and I wouldn't have the pleasure of "meeting" in this forum

(Oh, and if you're not gullible or naive, then I would have to think you may have had some criminal intent - you can't have it both ways)
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The information I gave is based on my 7 seconds of research on Google. Review the information yourself to make an informed decision.

Communication is KEY - 10 mins of talking now can save you months of headaches later!

Masterfully stating the obvious to the oblivious! (Thanks SP!)

Tell it like it is! When all else fails, make up a statistic!

Gender references shall apply equally to the other gender. I will not correct gender mistakes (unless I want to)
  #10  
Old 10-24-2007, 03:44 PM
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Quote:
Originally Posted by Zigner View Post
If that were true, you and I wouldn't have the pleasure of "meeting" in this forum

(Oh, and if you're not gullible or naive, then I would have to think you may have had some criminal intent - you can't have it both ways)
I came back to edit my post in regards to the exact statement that you quoted. I, though, do believe the OP. She simply thought that she was going to get away with it.

A cashier's check is presumed to be "good". There was no reason for the bank to assume, or know, that it wasn't a good check, by the nature of what a cashier's check is.
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Originally Posted by arazi
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  #11  
Old 10-24-2007, 03:45 PM
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The bank has to give the funds to you in a set amount of time by law. That doesn't mean that the check is good. That is how these scams work. They know that it will take longer for the bank to realize the check is fake then it will for them to be forced to give you the funds. I'm not sure what exactly you want the bank to do. I'm sure if you read over your agreement with them when you opened the account, you'll see that you are responsible for any bad checks that you put in your account.
  #12  
Old 10-24-2007, 03:46 PM
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I, too, think the OP had no criminal intent. But that leaves us at the "gullible/naive" which the OP can't grasp.
__________________
*
*
The information I gave is based on my 7 seconds of research on Google. Review the information yourself to make an informed decision.

Communication is KEY - 10 mins of talking now can save you months of headaches later!

Masterfully stating the obvious to the oblivious! (Thanks SP!)

Tell it like it is! When all else fails, make up a statistic!

Gender references shall apply equally to the other gender. I will not correct gender mistakes (unless I want to)
  #13  
Old 10-24-2007, 04:44 PM
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Join Date: Oct 2007
Posts: 5
Once again.... I thought this was a forum... u are supposed to post answers not opinions so ZIGNER please keep ur opinions to ur self... U dont kno me and u can assume or think wat u want but I had justifiable reasons for depositing and using the money that I did. used my cut, the rest of the balance is from something that happened b 4. My total purchases were $500 from that bounced check... Thanks Again
  #14  
Old 10-24-2007, 04:56 PM
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Quote:
Originally Posted by TiffanyAA View Post
Once again.... I thought this was a forum... u are supposed to post answers not opinions so ZIGNER please keep ur opinions to ur self... U dont kno me and u can assume or think wat u want but I had justifiable reasons for depositing and using the money that I did. used my cut, the rest of the balance is from something that happened b 4. My total purchases were $500 from that bounced check... Thanks Again
Are you typing in ENGLISH?
You owe the money - find a way to pay it back. I'm sure you can grasp that.
__________________
*
*
The information I gave is based on my 7 seconds of research on Google. Review the information yourself to make an informed decision.

Communication is KEY - 10 mins of talking now can save you months of headaches later!

Masterfully stating the obvious to the oblivious! (Thanks SP!)

Tell it like it is! When all else fails, make up a statistic!

Gender references shall apply equally to the other gender. I will not correct gender mistakes (unless I want to)
  #15  
Old 10-24-2007, 06:27 PM
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Join Date: Oct 2007
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Talking
UR OBVIOUSLY GETTING OFF ON POSTING REPLIES THAT BELITTLE ME AS A PERSON... BUT THIS IS THE INTERNET, UR PROBABLY SOME 37 YEAR OLD COMPUTER GEEK THAT WORKS @ BEST BUY AND LIVES @ HOME WITH HIS MOTHER. AND SPENDS ALL OF HIS MONEY ON INTERNET PORN! SO WATEVER LOSER!
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