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?!?!
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?!?!
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