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I put an ad on Craigslist for babysitting. Someone wanted me to babysit for them and pay me 500/week. They said that they were moving from Canada to the US and needed a nanny. They said they were going to send me a check for my upfront pay and some money to buy groceries and cleaning supplies. The check came and it is $2850. I am to put it into my bank account and take a picture of the deposit slip. It is a check from Aspen Skiing Company in Snowmass Village, CO. It was sent in a Flat Rate Mailing Envelope, but the sender name is different than the name that the man whose kid I would be watching gave me. The envelope says "Mike Huang" and the guy's name was Felix Williams. These people are suppose to be coming to Guilford on Sunday and I don't know if this is a scam or not. I don't even know how this could be a scam, but a friend suggested it is. I really need someone's help and advice! Sounds fishy, doesn't it?
100% scam. There is no job. There is only a scammer trying to steal your hard-earned money. The next email will be from another of the scammer's fake names and free email addresses pretending to be the "secretary/assistant/accountant" and will demand you cash a large fake check sent on a stolen UPS/FedEx billing account number and send most of the "money" via Western Union or moneygram back to the scammer posing as the "supply company" while you "keep" a small portion. When your bank realizes the check is fake and it bounces, you get the real life job of paying back the bank for the bounced check fees and all the bank's money you sent to an overseas criminal. Western Union and moneygram do not verify anything on the form the sender fills out, not the name, not the street address, not the country, not even the gender of the receiver, it all means absolutely nothing. The clerk will not bother to check Guilford and will simply hand off your cash to whomever walks in the door with the MTCN# and question/answer. Neither company will tell the sender who picked up the cash, at what store location or even in what country your money walked out the door. Neither company has any kind of refund policy, money sent is money gone forever. When you refuse to send him your cash he will send increasingly nasty and rude emails trying to convince you to go through with his scam. The scammer could also create another fake name and email address like "FBI@ gmail.com", "police_person @hotmail.com" or "investigator @yahoo.com" and send emails telling you the job is legit and you must cash the fake check and send your money to the scammer or you will face legal action. Just ignore, delete and block those email addresses. Although, reading a scammer's attempt at impersonating a law enforcement official can be extremely funny. Now that you have responded to a scammer, you are on his 'potential sucker' list, he will try again to separate you from your cash. He will send you more emails from his other free email addresses using another of his fake names with all kinds of stories of great jobs, lottery winnings, millions in the bank and desperate, lonely, sexy singles. He will sell your email address to all his scamming buddies who will also send you dozens of fake emails all with the exact same goal, you sending them your cash via Western Union or moneygram. You could post up the email address and the emails themselves that the scammer is using, it will help make your post more googlable for other suspicious potential victims to find when looking for information. Do you know how to check the header of a received email? If not, you could google for information. Being able to read the header to determine the geographic location an email originated from will help you weed out the most obvious scams and scammers. Then delete and block that scammer. Don't bother to tell him that you know he is a scammer, it isn't worth your effort. He has one job in life, convincing victims to send him their hard-earned cash. Whenever suspicious or just plain curious, google everything, website addresses, names used, companies mentioned, phone numbers given, all email addresses, even sentences from the emails as you might be unpleasantly surprised at what you find already posted online. You can also post/ask here and every scam-warner-anti-fraud-busting site you can find before taking a chance and losing money to a scammer. 6 "Rules to follow" to avoid most fake jobs: 1) Job asks you to use your personal bank account and/or open a new one. 2) Job asks you to print/mail/cash a check or money order. 3) Job asks you to use Western Union or moneygram in any capacity. 4) Job asks you to accept packages and re-ship them on to anyone. 5) Job asks you to pay visas, travel fees via Western Union or moneygram. 6) Job asks you to sign up for a credit reporting or identity verification site. Avoiding all jobs that mention any of the above listed 'red flags' and you will miss nearly all fake jobs. Only scammers ask you to do any of the above. No. Exceptions. Ever. For any reason. If you google "fake check cashing job", "fraud Western Union scam", "check mule moneygram scam" or something similar you will find hundreds of posts from victims and near-victims of this type of scam.
The short answer is most of the time they don't. A check cashing business is essentially making very high risk short term loans. It may not seem like much but if you charge someone 2.5% to cash a check, some charge more, and the check clears in two days that's an effective yearly rate of over 8000%. They can afford some losses. In the case you mentioned I believe if the lady recieved her cash from the check cashing place and then the check was denied she owes the check cashing place, especially if she also cashed the second check. The person presenting the check is ultimately responsable for the checks value. She would have a case against the insurance company for any fees she had to pay for the returned check but she owes the check cashing place for the money they didn't receive. They will go to court and they will get a judgement. and if someone decides that she knew the check was going to have a stop payment on it she could go to jail.
Do not bank the check. The scam is that shortly after you bank it, they will "urgently" require you to send back money to them via Western Union. Then, in a few weeks time that check comes back dishonoured as stolen or fake or fraud BUT you have already sent money back to them, your money, which is now gone for good. Like some random stranger is going to send you $2,850 up front for babysitting their kids? Don't you think a legit parent might want to meet you before they entrust their children to your care? And why in heavens name would it be necessary for you to buy "groceries and cleaning supplies" in advance? Fishy? It stinks!
If something is too good to be true it usually is.
YOU ARE BEING SCAMMED. This is one of the most well known and most well publicized scams ever. I don't understand how people keep falling for it. DO NOT SEND THEM YOUR BANK ACCOUNT INFORMATION.
Don't cash the check. Take it and the envelope to the Post Office. Let them contact Aspen Skiing Company to tell them their account has been compromised. The entire thing is a scam. If the check isn't fake, it's stolen. Either way, you can't cash it and expect to keep the money. It may take weeks-- if not months-- for the bank to come back and tell you it's fraudulent. If you were to cash the check, they would suddenly come up with an emergency and say that you need to send all of the money back to them using Western Union or Moneygram.