Robert
Irvine,#2Consumer Comment
Tue, March 19, 2013
Why woud I want to screw my account up!
- For the same reason you tried to deposit a check you suspected was fraudulent into your account in the first place. Because you are naive and apparently not willing to learn from your mistakes.
First of all the funds can be made available to you well before it would "clear" as you say. Did you even bother to look up Regulation CC(Expedited Funds Availability Act)? How about searching for other reports where they deposited the check and the money was avaiable only to find out that the check actually is a fraudulent check.
The only reason you haven't sent money to these scammers is because you have gotten very lucky and the banks have stopped you from you being your own worst enemy. But if you continue to do this, there will be a point and time when the bank won't catch it, the money will become available and you will "think" it is okay to send them money. Only to have the rug pulled out from you a few days later.
Even if the check comes back as bad before the funds become available..you are still seen as a risk to the bank..especially if it happens more than once. And if you had this in the past you are lucky the banks didn't close out your account for you even attempting to deposit a fraudulent check. Again if you leave this Credit Union, it is just a matter of time before you select a bank that is going to actually close your account out in this situation. Not only that, you could also be put into ChexSystems for the fraud, and if that happens no regular bank will touch you for years.
Again, I know that your mind can not be changed and you still don't see how lucky you got or what damage you could cause yourself. It is more for other people who by chance may actually pay attention to these warnings.
Justice For All
80234,#3Author of original report
Sun, March 17, 2013
I have experience with scammers in the past and would never send them money for anything, I have been to other banks and I never been treated this way, I have showed them the checks and they have told me that they were bad, They never kept me from using my ATM Bank cards! I am not that stupid! I wasn't sure because they were a legitimate company.The check would of never cleared the bank anyway so what is your point! It doesn't clear how can you send anyone any money! Hello wake up! It is the way the whole situation was handled they didn't save me from anything because you can't send money to a scammer that check doesn't clear, and I wouldn't do that anyway. Why woud I want to screw my account up!
Ramjet
Somewhere,#4Consumer Comment
Sun, March 17, 2013
But you tried to deposit a fraudulent check. Whether you wanted the money from it is not the point.
They did the right thing.
You must have suspected there might be a problem with it or you wouldn't have wanted to wait until it cleared.
Robert
Irvine,#5Consumer Comment
Sun, March 17, 2013
Immediately go back to the branch and give that teller a huge thank you card. Because she saved you anywhere from several hundred to a few thousand dollars. Because if you actually sent the money the person you got the check from you would be on the hook for it.
The fact is when you presented the check to be deposited that is considered "cashing it" even if you don't attempt to make any withdraws at that time.
This is a common scam and these scammers use the bank regulations(Expedited Funds Availability Act) and your lack of knowledge/greed to their advantage. Because per regulations the check amount would have been made available to you in a day or teo. When you would have sent the money. Only to find out a few days later it was actually a fraudulent check. And yes regardless if what you think, and I know you are saying I am wrong, but the facts and law are not on your side in this case.
So again be very thankful you only have the issue you do.