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I got an email from a scam that has been spreading on the internet. They want me to do the typical thing they want people to do when they are scamming them which is cash some check their going to give me for a large amount of money and then send them the cash. My question is, since I know it's a scam and I already accidentally gave them my current adress and they are going to send me a check, what if I cash the check but then just dont send them the cash and dont contact them anymore? What are the consequences I could face. I'm trying to run it through my head and see what could go wrong but it's not like they could report me to the police because they are the ones doing something illegal. Plus it would really stick it to them and maybe they wouldnt send so many scams out. Is this a good idea?
100% scam, as you know. There is only a scammer trying to steal your hard-earned money. Since the check is FAKE, it will BOUNCE. The consequences are you paying the bounced check fee at your bank, of being "black listed" at your bank as someone who cashes fake checks and you could have your bank account permanently closed. You won't be "sticking it" to anyone as the scammer won't be out anything. Since there is NO money in the check, there is NO money for you to keep. 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 Norwalk 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. 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.
It happened to me too, once when I was trying to sell one of my cars. The guy interested in the car sent me the Money Orders for $800 each. He sent the amount for the car and a bit more for the delivery of the car overseas. So I went to the bank to deposit the money. The bank teller told me to wait and took the MO's to the bank manager. He then called me to his office and told me the MO's were counterfeit. I continued my emails with this person and he said he now needed the money back because he and his sister were involved in an accident and needed to pay for hospital care. He gave me the information to send the Money Gram and all. Of course the Money Orders never got deposited. I sent the Money orders and emails to an office that does investigations on this when it comes to USPS money orders. I was lucky the bank noticed the Money order were fake. BUt not every one runs the same luck. As for how they make money? They urge you to get the money back to them fast, because they want to beat the time it takes the bank to find out the check is bad and the funds are sitting in your account. So they rip you off your own money. As for the possibilities of getting this guy.....they are close to none. Africa, specifically Nigeria is full of this scammers.
The check will bounce and you likely will be hit with a fee. Traditionally, it could take a couple of weeks for a check to be returned, but much of banking is electronic now, so possibly you could find out sooner or even instantly. But the plan was for you to send the cash before you knew it bounced.
The scammer isn't losing anything whether you send the money or not. The checks are counterfiet. The money that comes up from the bank before the check clears is against your credit.
If your job check at Burger King bounces, the bank doesn't charge Burger King but rather YOU because it is your account. The buck falls on you. Don't play with email scammers....too many viruses out there.
Yep, just like they said before, cash the check and it is on your not them. They are hoping you will be stupid enough to send them any part of it, they win. You cash it, the check bounces, you owe the money.
If you cash the check YOU will be arrested and possibly charged with bank fraud. YOU will owe your bank the full amount of the check that you deposited. YOUR account will be closed. YOU will be put into CHEX Systems preventing you from opening any new bank account, credit card or taking out a loan for the next 5 years. YOU are the one whose credit is ruined Read the non-profit Fraud Aid's website about this cashing and account holder responsibilities are the same in all countries: You cannot rely on your bank, credit union, PostBank, or check cashing store to protect you from counterfeit, stolen, or forged drafts. It's not their job to watch out for you, it is your job to watch out for them. Like you, merchants, banks, and credit unions have the rightful expectation of being given good money. BY LAW YOU ARE LEGALLY RESPONSIBLE AND FULLY LIABLE for any and all checks or money orders deposited into your bank account by you or someone else, and for any funds wired into ANY of your accounts by you or someone else. Your are 100% liable for any and all funds deposited into any of your accounts by any means whatsoever." Legally responsible means ONLY YOU are responsible for what you deposit in your account and it's YOUR responsibility to make sure any check you deposit is good. Fully Liable means that YOU are responsible for paying the bank the FULL amount of the check. There are thousands of people a year who are arrested falling for these fake check scams -- here are just a few in the news but there are thousands who never end up in the press "Merely presenting a counterfeit/stolen/forged document can lead to immediate arrest. Financial institutions, postal employees, and money order issuing companies have been known to contact the authorities even if you only ask that the check or money order be verified. Many banks and credit unions will refuse to verify a check or money order unless it is endorsed, deposited, and goes through the clearing house (inter-bank check exchange) system."