ON THIS PAGE:
Checks or money orders (drafts) have been
deposited into your bank or credit union account by you or a 3rd
party and you have not withdrawn the money
You are going to be alright!
You are not going to be arrested.
No one is coming after you for anything.
correspondence with the scammers. Do not open or answers their
emails. If you have caller ID, do not answer their calls.
If you do answer the phone, hang up as soon as you realize who is calling you.
If they persist, blow a whistle into the telephone. If you are
being threatened, please go here:
If you have been
corresponding with the scammers by email and/or have gone to a web
site they told you is theirs, you are at high risk of Identity Theft
even if you have bad credit. Go here:
File a Scam Email
Report with our Law Enforcement Support Division. You will
find step-by-step graphic instructions for your email service here:
WARNING! Counterfeiters are now inventing
the names of money order companies. DO NOT CASH any money
order and DO NOT DEPOSIT any money order you receive from someone
you do not know or someone you met online without ordering your bank to send it for
DO NOT WITHDRAW
ANY FUNDS FROM YOUR ACCOUNT to spend or to send to anyone without asking
your bank if they have been paid. Even with a hold, your
account is credited before your bank has been paid.
If the draft you deposited comes back because it was stolen, forged,
or is a counterfeit you will owe your bank all
the money plus return charges.
into your checking or savings account:
WARNING: If you
did not personally make the deposit, ask your bank to verify whether
drafts were deposited or money was wired into your account. If
money was wired into your account, click HERE.
Contact your bank branch immediately and ask for the Operations
Officer. If that officer is not available, ask for the
Western Union and MoneyGram were
designed to send money to friends and family, not to send
money to strangers.
NEVER WIRE MONEY TO A STRANGER!
Explain that the checks or money orders you deposited
are part of an international counterfeit check scam [Payment
Processing Scam, Lottery Scam, Overpayment Scam, Relationship Scam,
Charity Scam, etc.] and that they will be returned.
Ask for a goodwill letter stating that you warned the bank ahead of
time. You may also be able to negotiate with your bank such
that you are not debited the chargeback fee.
If you have automatic deposits contact all
parties and change to paper checks for now.
If you are set up
for Bill Pay (your bank has instructions to pay certain bills on a
pre-determined schedule), contact your creditors, explain the
situation, and pay them by money order for now.
Give written instructions that the account is to be closed and
In one or two days,
check back to make certain the account was closed. You want to make very, very sure that it does not
have some small amount of money keeping it open. Sometimes
monthly bank fees or checking account interest will hit on the same
day the account is closed. This will keep the account open
When you open your new account, use a different name. Example:
If your current account reads John Marion Doe with address and
phone, open the new account to read J. Doe with no address and
There is no point in advertising your personal
information, plus Identity Thieves will not be able to tell how you
sign your name.
If your circumstances do not fit the above solution or if you have
difficulties negotiating with your bank, credit union, or law enforcement please write to
so we can
review your problem and offer alternate solutions or intervention.