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Debt Consolidation Forums Identity theft - scams and security

What to do with scam?



azian_t3arz

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Sub: What to do with scam?
Wed, 08/04/2009 04:49

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?



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Cool_Abyss
Cool_Abyss

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Credits: 17334.149242083

Sub: #1 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.

"We are what we repeatedly do. Excellence, then, is not an act, but a habit."

-Aristotle-


Chrys Henderson
Chrys Henderson

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Sub: #2 If you had also immediately filed a police report - and the PostWed, 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!

FRAUD: RECOGNIZE IT. REPORT IT. STOP IT.
Rip-off companies - FTC.
Phone harassment by Debt Collectors - FCC.
Banking issues, like ACH problems - OCC.


azian_t3arz
azian_t3arz
Posts: 9
Credits: 353.5

Sub: #3 sigh :(Tue, 04/07/2009 - 11:57



sigh :(


Cool_Abyss
Cool_Abyss

Posts: 2924
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Sub: #4 Well IMO it never hurts to try. I would have gotten nowhere iMon, 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 :?

"We are what we repeatedly do. Excellence, then, is not an act, but a habit."

-Aristotle-


azian_t3arz
azian_t3arz
Posts: 9
Credits: 353.5

Sub: #5 anyaroberts, the bank already closed my account last year SOAMon, 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 :(


SOAPLADY
SOAPLADY


Debt Samaritan
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Sub: #6 These scams are a dime a dozen and there really is nothing to inMon, 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.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com...allenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com...imitation.html


Cool_Abyss
Cool_Abyss

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Credits: 17334.149242083

Sub: #7 If the bank still holds your account then you should try and makMon, 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.

"We are what we repeatedly do. Excellence, then, is not an act, but a habit."

-Aristotle-


azian_t3arz
azian_t3arz
Posts: 9
Credits: 353.5

Sub: #8 Hi anyaroberts, like I said I tried to report to the FBI and theMon, 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
Cool_Abyss

Posts: 2924
Credits: 17334.149242083

Sub: #9 Quote:Will the ChexSystem clear me off after a certain years? WhMon, 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?

"We are what we repeatedly do. Excellence, then, is not an act, but a habit."

-Aristotle-


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