Finally got a fake cashier's check (agent, rentals, bank, credit)
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Have heard for years about fake cashier's checks but never actually saw one. Well, got one this week (two actually) from scammers overpaying for vacation rentals and requesting the overage be returned via Moneygram. Sure, I'll get right on that. They claimed their travel agent messed up and sent the wrong amount. Checks look legit with printing both sides and micro-perf edges where expected. Average person would not question these checks but they are indeed bogus. Beware.
It's extremely easy to forge a cashiers or bank check. Never send money back! You can always call or go to the bank to get it verified before you do anything. Cash is king!
It's extremely easy to forge a cashiers or bank check. Never send money back! You can always call or go to the bank to get it verified before you do anything. Cash is king!
Your local bank in unlikely to be able to verify authenticity of another bank's check over the phone or even in person. If anyone asks for money back, it is almost certainly a bogus check. Best course of action is NEVER send money back. These were extremely good forgeries with micro-perf and all.
Your local bank in unlikely to be able to verify authenticity of another bank's check over the phone or even in person.
Are you sure? I made a large deposit in my credit union by way of another financial institution's cashier's check. The credit union called the other institution right in front of me and got a verification.
Are you sure? I made a large deposit in my credit union by way of another financial institution's cashier's check. The credit union called the other institution right in front of me and got a verification.
I worded that poorly. By calling the issuing bank you should be able to get an answer. Unless asked, your local bank will likely not call to verify for smaller checks. Warning still stands.
My bank that knows me always puts a hold on cashiers checks I bring them. Even though they are from a local title company I know the teller can't tell by looking that they are OK. So, I'm OK with this. One of the continuing education classes I took was about this kind of thing.
Title companies are also having problems with the take a picture of the check and cash it thing. How dumb can a criminal really be to think they are going to get away with cashing a huge check twice? The paper trail can't go anywhere but right back to you.
Are you sure? I made a large deposit in my credit union by way of another financial institution's cashier's check. The credit union called the other institution right in front of me and got a verification.
I've heard of another scam, though, where they buy one good cashier's check and make several copies. If someone calls the bank before any check has gone through the clearing process, they'll be told that the check is good...only to find that it gets rejected once multiple checks are eventually presented for processing.
Are you sure? I made a large deposit in my credit union by way of another financial institution's cashier's check. The credit union called the other institution right in front of me and got a verification.
Absolutely. Most banks and credit unions will verify the check over the phone. When I worked in banking I used to do this all the time.
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