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Okay, You won't believe this.New Kind of SCAM

I recieved a $9000 authentic check...

   
4:40 am on Aug 8, 2006 (gmt 0)

10+ Year Member



Okay this is totally nuts. Just recently i recieved a $9000+ check and its legit too. Straight from the bank with all the security features and all. Its basically a cashier's check. Problem now is that it smells fishy all over it...

Things that are wrong are:

- It came from Canada without a return address
Who the hell sends a $9000+ check without a return address. Could be a mistake, but thats just one of the fishy parts of it.

- The signature looks traced. Its as if the person drew over the current signature.

- The check is from a legit company with the address on it. The check has an address of a company in New York. I googled the name and its a huge company that sells shoes.

The thing now is how the hell did my name and address end up on the check. Could it be a mistake? or am i really that lucky?

Question now is what happens if i try to cash it? I'm quite sure it will go through too. Its definately authentic from chase. The possible outcomes that I can think of happening if i do cash it is:

- I get a call from the company asking about the money i recieved and have to return it.

- I get arrested. But how though? It's a "BANK Check" that required someone to goto the bank to get and it has my name and address on it too. What's wrong with cashing out something that has my name on it.

- The accountant is horrible at bookkeeping. I get away with free money since this check is so marginal to the things that they sell.

What else? Anyone have suggestions on what to do? It's quite tempting to cash this out. But i guess the best course of action is to call thi company up and ask why was this sent to me.

6:19 am on Aug 8, 2006 (gmt 0)

5+ Year Member



It's an old scam.

If you try to clear the check you will discover that there's no funds in the sender account and you will be charged twice by your bank (clearing and devolution).
They are playing with time. There are at least seven days between the day you clear the check and the day you can get the money. If you send them some money the second day you are really giving them YOUR money.

Try to search at Google for checks scam.

Of course, if you want to learn on your own pocket, run just now into the bank and cash the check.

[edited by: Lexur at 6:23 am (utc) on Aug. 8, 2006]

9:28 am on Aug 8, 2006 (gmt 0)

WebmasterWorld Senior Member kaled is a WebmasterWorld Top Contributor of All Time 10+ Year Member



Locate an email address for the fraud dept. of the issuing bank and email them with all the details.

In the UK, unless the money was sent to you correctly, you would be required to repay it - I imagine the same is true in the US and most countries so there is nothing to be gained by presenting the check.

Kaled.

2:03 pm on Aug 8, 2006 (gmt 0)

WebmasterWorld Senior Member 10+ Year Member



Though the Lord can work in mysterious ways, I'm hard pressed to recall any parable even remotely involving a mystery bank check with a traced signature forwarded from an unknown source for an unknown reason. :)
2:52 pm on Aug 8, 2006 (gmt 0)

5+ Year Member



>> The check is from a legit company with the address on it. The check has an address of a company in New York. I googled the name and its a huge company that sells shoes <<

Since you were able to track down the company, call them. If it is legit, someone there must know about it. Don't automatically assume it's fraud. It does sound strange, but you never know!

2:57 pm on Aug 8, 2006 (gmt 0)

WebmasterWorld Senior Member vincevincevince is a WebmasterWorld Top Contributor of All Time 10+ Year Member



It will normally be along the lines of:
  • You bank cheque and it seems to clear (preclears)
  • Scammer contacts you about the mistake
  • You return the funds
  • The 'real' clearing happens and the cheque bounces
  • You are out of pocket for the $9000

    Since you're not in Canada your bank will show the funds in your account a few days before the cheque is actually debited from Canada.

  • 6:51 pm on Aug 8, 2006 (gmt 0)

    WebmasterWorld Senior Member bwnbwn is a WebmasterWorld Top Contributor of All Time 5+ Year Member



    Take it to the bank have the call and verify the party they can tell whats going on in a couple minutes don't relay on nothing here let it be handeled by you bank then you know whats going on

    send no money although you didn't say any needed to be sent.

    God willing I know you can use it it will be good if not you are ok as well....

    7:20 pm on Aug 8, 2006 (gmt 0)

    WebmasterWorld Senior Member 10+ Year Member



    It seems like you have a few days to prepare a nice looking check of your own from the "Bank of duckxtales". When the fraudsters contact you about the mistake, just send them your payback. Of course, don't put any real information on it anywhere.
    7:24 pm on Aug 8, 2006 (gmt 0)

    5+ Year Member



    I think Vince has it about right. Expect them to contact you to wire the funds/excess funds.

    After you do it will bounce - sometimes months later.

    What scambaiters do is keep the check as a souvenir and maybe frame it and hang it on the wall for a trophy. Then when the scammer wants you to wire the money by Western Union you tell them you will.

    You make up a money transfer control number and see how many fruitless trips you can get them to take to Western Union while you keep getting one digit wrong, then eventually you reluctantly admit that actually you spent all their money on a nice new truck.

    Scammers hate being out-scammed.

    11:41 pm on Aug 8, 2006 (gmt 0)

    10+ Year Member



    okay now i really know its a legit check. I have another chase chasier check to compare it too and its exactly the same thing. Since i know its authentic, I guess it comes down to i cash it and see what happens or I just screw it and frame it on my wall. =]
    12:17 am on Aug 9, 2006 (gmt 0)

    WebmasterWorld Senior Member topr8 is a WebmasterWorld Top Contributor of All Time 10+ Year Member



    >>okay now i really know its a legit check.

    could be! cheques need not be forged they can be stolen too ... whole series of blank cashiers cheques can and often are stolen.

    it seems a no brainer to me, cash the cheque, if someone contacts you asking for their money back/mistake tell them to get lost ... the cheque was paid to you and sent to you there is no reason why you should have to give it back if they made a mistake.

    12:28 am on Aug 9, 2006 (gmt 0)

    5+ Year Member



    Duck

    If the check was acquired through non authorised or means that could not be reasonably considered to be legal by any reasonable person,

    if you attempt to cash such a check, you might concievably leave yourself exposed to the due process off the law,,

    2 scams do not make a legal transaction

    Did you sell that companystuff worth $9k,,?

    could you reasonably prove that you expected a check for $9k?

    I can't actually recommendany course of action, but people who find property the believe belongs to someone else, perhaps lying on the road, are generally expected to hand it in to ,, the law

    So if you walked out of your house an found your neighbours prize Mercedes benz 500 sl abandoned out of petrol on your parking slot, left by a car theif, would you claim it as yours?

    6:13 pm on Aug 9, 2006 (gmt 0)

    10+ Year Member



    thanks for all the advice.. i guess i'll just frame it...crazy as it is.. it was from manolo blahnik o_O
    8:47 pm on Aug 9, 2006 (gmt 0)

    WebmasterWorld Senior Member 5+ Year Member



    I had a cousin that got something like that in the mail, took it to a check cashing place and ended up in jail because the checks were forged and they thought he was part of the ring... took months to clear him and a few hundred dollars in defending himself. I don't recomend trying to cash it, but do take it to a bank or call the issuing bank about it.
    9:46 pm on Aug 9, 2006 (gmt 0)

    10+ Year Member



    Let me just pile on with the "don't cash that check" advice. I deal with a lot of attempted fraud in my industry - this is a common scam. Do not cash that check no matter how valid it looks.

    Two rules I go by when evaluating a potential scam:

    1. The con is in the details.
    2. If it seems to good to be true, it is.

    Period - use those 2 rules and you will ID every scam no matter how the details change.

    10:02 am on Aug 10, 2006 (gmt 0)

    5+ Year Member



    Some of the fake checks are very high quality these days.
    11:41 am on Aug 10, 2006 (gmt 0)

    WebmasterWorld Senior Member 10+ Year Member



    I'm amazed anyone would even consider cashing a cheque they know they weren't owed!

    If you have had no business or personal dealings with this company why on earth ...

    oh never mind.

    1:25 pm on Aug 10, 2006 (gmt 0)

    5+ Year Member



    >>>>> 'm amazed anyone would even consider cashing a cheque they know they weren't owed!

    They say that these scams don't work with honest people.

    9:17 pm on Aug 10, 2006 (gmt 0)

    5+ Year Member



    Make a nice color photocopy of the check to be framed on your wall, and then call your bank and schedule an appointment with a bank officer. Explain every detail of what has occurred, leaving out nothing. With the bank officer's approval, open a new and separate account and deposit the check. Let it sit there at least 90 days, if it actually clears. After those three months, meet with your bank officer again and withdraw the funds from the account, then close that account.

    If the check is not good or otherwise invalid, expect a bank charge.

    Chances are your bank officer will be familiar with any scam and/or be able to verify the check. Your information may even help them put a crook behind bars (doubt it). At the worst you may get a $20-30 returned item charge and a story to tell. At best you owe me a trip to Vegas in November. 8^)

    9:27 pm on Aug 10, 2006 (gmt 0)

    WebmasterWorld Senior Member sem4u is a WebmasterWorld Top Contributor of All Time 10+ Year Member



    Why not take it all to the police?

    Unless it is an affiliate check that you forgot about?

    1:33 am on Aug 11, 2006 (gmt 0)

    WebmasterWorld Senior Member jab_creations is a WebmasterWorld Top Contributor of All Time 10+ Year Member



    Hey lets cool it with the religion please!

    Anyway duckxtales, if you don't want the check feel free to sign it over to me! :-D

    JK, have the bank verify it but I think most uninformed people would go and cash it without a first thought so yeah it smells fishy to me!

    - John

    3:53 am on Aug 11, 2006 (gmt 0)

    WebmasterWorld Senior Member 10+ Year Member



    Hey lets cool it with the religion please!

    So then its ok to just take what doesn't belong to you and hope you get away with it?

    Yeah ... there's a plan based on solid advise!

    5:54 am on Aug 12, 2006 (gmt 0)

    5+ Year Member



    I side with the "don't cash it" group on this one, even not considering the moral issues.

    This seems like a classic opportunity to underestimate your opponent. I'm a chess player and have learned to put my guard up when I think "I can't believe they were stupid enough to do that". I've learned the hard way not to be stupid enough to think that "they were stupid enough to do that".

    Plus, who sends a check for $9k w/ no return address. I mean come on...

    My guess it's one of two things: a disgruntled ex employee of Chase, or someone who would like to make counterfeit checks for themselves, but is testing their "quality" on the gullible first.

    From another perspective, it's also another opportunity (or a new opportunity) to be person you've always wanted to be... which ever side that falls on. Good luck.

    12:01 pm on Aug 12, 2006 (gmt 0)

    10+ Year Member



    I had a cousin that got something like that in the mail, took it to a check cashing place and ended up in jail because the checks were forged and they thought he was part of the ring... took months to clear him and a few hundred dollars in defending himself.

    Yeah... let's say you're one of the more intelligent criminals out there, and you happen to find yourself with several hundred checks. Would you cash them all yourself? Or would you send some all over the place and make the police guess who's deeply involved and who's not?

    The "no return address" part sure is weird. You'd think any normal scammer would at least put a fake return address on it.

    I also agree with Dogza. Make sure it *isn't* yours. I've received checks I didn't expect that were legit. Cashing it just sounds like a risky way to find out in this case.

    1:04 am on Aug 14, 2006 (gmt 0)

    WebmasterWorld Senior Member 10+ Year Member



    I don't see why it would be so difficult to just call the (supposedly) issuing companies bookeeping dept or whatever and ask them about it.
    7:29 pm on Aug 15, 2006 (gmt 0)

    10+ Year Member



    lol... Now i recieved 2 money orders from "republique du benin" at $1500 each... And the funny thing is that the Money Orders are from some guy in CA. Bank name is "Huntington Bank"... I have this guy haggling me about sending him the remaining amount after i deduct my item cost... The stupid thing is that he doesnt even give me the address to where to send the item to.
    12:36 am on Aug 16, 2006 (gmt 0)

    WebmasterWorld Senior Member vincevincevince is a WebmasterWorld Top Contributor of All Time 10+ Year Member



    2 money orders from "republique du benin" at $1500 each

    Why do you attract so many scammers? Did you write "I am gullible" on your site?
     

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