Fake Check Scam
Background
Scammers send you a realistic-looking, but fake, check.
You deposit it into your bank account, and the funds appear available.
The scammer then asks you to send them money (via MoneyGram, Western Union, or gift cards).
Later, your bank realizes the check was fake, removes the deposited funds, and charges you a bounced check fee.
Recommended Actions
Report the Fraud to Your Bank:
Contact your bank immediately and inform them about the fraudulent check.
Request that they don’t take any negative actions against you while they investigate
Try to Stop the Payment:
If you realize the check is fraudulent before the bank does, you may be able to stop it from being cashed.
Contact your bank promptly to explore this option2.
File Complaints with Consumer Protection Agencies:
Report the scam to relevant authorities such as the Federal Trade Commission (FTC).
You might also need to report the issue to local police and the state’s attorney general.
Contact Any Creditors That May Be Impacted:
If the scam affects any other accounts or creditors, notify them as well.
Take necessary steps to protect your financial interests.
File a Police Report:
Document the incident by filing a police report.
Provide all relevant details about the scam and the fraudulent check.
Monitor Your Credit:
Keep an eye on your credit reports for any unusual activity.
Scammers may use your personal information for further fraud.
Remember, quick action can minimize the financial consequences of a fake check scam. Don’t rely on money from a check unless you know and trust the person you’re dealing with. If you suspect you've encountered a fake check scam attempt, remember, ScamWiz is here to help. Upload a screenshot of the suspicious message and get our AI-powered analysis to assess the likelihood of a scam and receive recommended actions.
