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

1. 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

2. 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.

3. 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.

4. 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.

5. File a Police Report:

   • Document the incident by filing a police report.

   • Provide all relevant details about the scam and the fraudulent check.

6. 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.