Not sure of topic, but....

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MemberSince99
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Not sure of topic, but....

Postby MemberSince99 » Wed Jun 25, 2014 6:56 am

I was just reading a guy on FICO relating how he almost got scammed with a very typical scam.


He sold some "gym stuff" (whatever that is) on Craigslist and a scammer sends him a check for 5k asking him to send him back like 800k. Of course the check is fake and the whole point is to get you the chump to send them money as the check bounces and leaves you on the hook.


So he goes to Wells Fargo and asks them to check if it's real he says. WF then freezes his accounts because he tried to cash a fake check.


Ok, most savvy people are going to know this is a fake check, but in general, how is it our responsibility to know whether a check is real or fake? I mean seriously how do we the general public know that just looking at a check?


That just seems really bizarre to me that now they blame the victims rather than the perpetrators of fraud. But then again a lot that goes on these days seems bizarre to me.


supercoolman
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Postby supercoolman » Wed Jun 25, 2014 9:56 pm

if the guy sells thing on CL, but doesn't read common scam alert on CL. I would wonder if that person is really innocent or betting on his luck.

MemberSince99
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Postby MemberSince99 » Thu Jun 26, 2014 5:35 am

But I think maybe you missed the point - so if we try to cash a check that turns out to be fake, we the victims become the criminals. I have a hard time seeing that this is right.


I've also never agreed with the banks charging the person who attempts to deposit a check with NSF a fee because the check writer didn't have funds in their account - why is the depositor responsible for the check writer's balance (or lack of)? Charge the person who wrote the rubber.


I've even read stories about banks trying to get people who tried to cash a bogus check thrown in jail. Again, why not go after the person who wrote the check? Why is it on the victim to try to determine if a check is valid? Common sense will tell most of us when someone is trying to scam us on Craigslist, but in general, are you seriously expected to know if every check is valid and funded? This is what you get when the corporations are allowed to buy the government.

supercoolman
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Postby supercoolman » Thu Jun 26, 2014 8:22 am

how do bank tell for sure if the fake check was made by the third party or the person cashing the check? banks will hold whoever they can hold responsible, which is the only person in front of them accountable. For me, this has been the impression of the banking industry, so I'm not surprised. that's all

MemberSince99
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Postby MemberSince99 » Thu Jun 26, 2014 9:25 am

They don't. However, it's a safe bet most people just trying to deposit a check aren't criminals trying to scam the bank. What's the point - if it's rubber, they won't get the money anyway, and the bank can place a hold on the funds until it clears.


Yeah I know, basically go after whoever you think you can get whether they are responsible or not. Doesn't mean it's right. It's not.

MemberSince 79
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Postby MemberSince 79 » Fri Jun 27, 2014 9:20 pm

Just waiting until it clears is not enough. I did some digging in the UCC and with local banks and the depositor is liable no matter how long it takes for the check to bounce, essentially. Months later a bad check can still come back to bite you.
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supercoolman
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Postby supercoolman » Fri Jun 27, 2014 9:22 pm

the membersince brothers... what other siblings do you have?



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