DebtConsolidationCare [A+ on BBB] Logo
DebtConsolidationCare Forums
Discuss your problems and get out of debt
Get honest and blunt feedback on your debt issues from Experts for FREE
For Free Debt Counseling: Call 800-DEBT-913 or

What to do with scam?

member profile picture
Posts: 13
Credits: 353.55
[Donate]

Last year, there was a person contacted me via craigslist.com because he/she wanted to buy my stuffs that I posted on it. At that time, I didn't know anything about nigerian scams or anything related to these types of scams. I don't know why I was so naive to accept the cashier checks from somewhere in the US, and then shipped my stuffs to Nigeria!!! Anyway, my bank let me cash out the check without verifying it. I used Western Union to wire the remaining money. About a week later, the bank let me know that the check was counterfeit, and I owe the bank almost 3 thousand dollars (I was only 17). I tried to talk to my bank (Bank of America) but it didn't help. I tried to report to my local FBI office but didn't hear anything from them, same as the Internet Crime. Right now, I really need a checking account but no banks would approve me because I was reported to the ChexSystem, Fraud Suspected Activity :cry: . I really regret for what I did :( . I've been depressed because of this situation. Will the ChexSystem clear me off after a certain years? What should I do?




Cool_Abyss

Posts: 2937
Credits: 17361.249242083

Sub: #1 Quote:Will the ChexSystem clear me off after a certain years? Wh
Mon, 04/06/2009 - 18:26

Quote:
Will the ChexSystem clear me off after a certain years? What should I do?


Chexsystems keeps derrogartory information for up to 5 years. If it is older than five years I would dispute it immediately.


Quote:
Right now, I really need a checking account but no banks would approve me because I was reported to the ChexSystem, Fraud Suspected Activity


Have you seeked legal counsel since this happened? Did the bank file charges against you?




azian_t3arz
Posts: 13
Credits: 353.55

Sub: #2 Hi anyaroberts, like I said I tried to report to the FBI and the
Mon, 04/06/2009 - 18:33

Hi anyaroberts, like I said I tried to report to the FBI and the Internet Crime ic3.gov but haven't heard anything from them.

The bank wanted me to pay back $2,883 from what I withdrew out of the counterfeit check. I'm a freshman in college and unable to pay it off :(




Cool_Abyss

Posts: 2937
Credits: 17361.249242083

Sub: #3 If the bank still holds your account then you should try and mak
Mon, 04/06/2009 - 18:41

If the bank still holds your account then you should try and make some sort of payment arrangements with them. The most affordable maybe $35-$45 monthly if possible.

In the meantime I would continue to report this to your state authorities. I know it sucks, but you would think the bank would investigate this further.




SOAPLADY


Debt Samaritan
Posts: 17176
Credits: 474316.83869987

Sub: #4 These scams are a dime a dozen and there really is nothing to in
Mon, 04/06/2009 - 18:51

These scams are a dime a dozen and there really is nothing to investigate. You might wanna read this site.. http://www.scamvictimsunited.co m/

The originator of this wedsite is a friend of mine and she got hit big time.




azian_t3arz
Posts: 13
Credits: 353.55

Sub: #5 anyaroberts, the bank already closed my account last year SOA
Mon, 04/06/2009 - 18:55

anyaroberts, the bank already closed my account last year

SOAPLADY, I know that, but I just want to get my name off the Chexsystem and have a checking account :(




Cool_Abyss

Posts: 2937
Credits: 17361.249242083

Sub: #6 Well IMO it never hurts to try. I would have gotten nowhere i
Mon, 04/06/2009 - 18:56

Well IMO it never hurts to try.

I would have gotten nowhere if I accepted defeat. I hope the OP makes some sort of resolution soon :?




azian_t3arz
Posts: 13
Credits: 353.55

Sub: #7 sigh :(
Tue, 04/07/2009 - 11:57

sigh :(




Chrys Henderson

Posts: 2560
Credits: 17373.3

Sub: #8 If you had also immediately filed a police report - and the Post
Wed, 04/08/2009 - 02:26

If you had also immediately filed a police report - and the Post Office - you might have some ammunition with the bank. Unfortunately, you are stuck paying it. Fortunately, the bank isn't filing fraud charges against you.

Don't feel too bad about it, though. You are not the only one. Some people get conned out of 10s of thousands of dollars. "http://www.snopes.c om/crime/fraud/cashier.asp" Snopes suggests that you also contact the US Secret Service and your State Attorney General's Consumer Protection Division. I would file complaints high and low with all the information you have about the scammer. Don't give up just yet! There is still a chance you can have it written off as fraud, and if that happens you will only be responsible for $50.

Fight!




Cool_Abyss

Posts: 2937
Credits: 17361.249242083

Sub: #9 There are banks that do not use Chexsystems. So you may be able
Wed, 04/08/2009 - 04:49

There are banks that do not use Chexsystems. So you may be able to get an account, others have had success.

HERE is the link for more information.




Add new comment

Attachment
More information
  • Files must be less than 2 MB.
  • Allowed file types: txt pdf jpg jpeg png.
CAPTCHA
This question (Case Insensitive) is for testing whether you are a human visitor and to prevent automated spam submissions.
Image CAPTCHA

Share post
-->

Page loaded in 0.733 seconds.