I received counterfeit cashiers check. Deceptive collection

Have you tried to taqlk to your bank and let them know that it was not your fault about the cashiers check and try if they will accept a payment arrangement from you even though the account is closed?Have you gone to the police and made a report about the information of the person who gave you the casheirs check?

What is a class 4 felony for deceptive practices? Is the bank pursuing you legally because of the checks or are the folks you wrote the checks to pursuing you?

The checks were all written to wal-mart and they are pursueing me in court. I went to the bank and I was told to leave, they wouldnt let me even talk. The bank was always rude to me from the time I opened the account 9 months before all this happened to me. In the 9 months I had the account I never wrote a bad check.

That message was from me I just forgot to log in.

Lindsey

I don't see your fault anywhere as you just deposited a cashier's check drawn to Wal-Mart in your bank account. Since you have already received 8 written checks, you are likely to receive the 9th check also from the same company. You can inform your bank in advance to do thorough investigation on it and get the criminal arrested. At the same time, you should lodge your complaint at the police station also since they will have a report of it in their file.

Who is your bank? I had WAMU and they closed my account without informing me because Cash Today kept taking money out even after I put an ACH stop on them. I didn't even find out until I tried to use my debit card for gas. Now I can't even get a new bank account because they said they put a black mark on me with ChekSystems.

Shbear, did you explain your bank about the illegal activities of Cash Today Ltd. They had been doing unauthorized debits and you are not required to suffer for it. They should understand your situation.

lindsey_john_cara

You mentioned you sold a car on ebay, and you got this cashiers check. Cashiers check are almost impossible to fraud. Usually personal checks are the only ones banks will hold back. But since this was a money order/cashiers check you were fine. Cashier checks come directly from the bank. They are usually drawn off someones account who does not want their information to be public, or to a private individual. These are the same as money orders in only one difference. The funds are gaurunteed.

Did you persue the person who bought the car from you. Since this was a transacation that was between you and the buyer you need to contact the police and file fraud charges to protect you. They will then launch their own investigation. If you have not spoken with an attorney, I suggest you do so this week. You mentioned a class 4 felony, and with that being on your record (any felony), you can never vote again, or leave the country. Your neighbors will know, and quite possibly an employer.

Do you still have the car? If you never gave the car to the new owner, the cashiers check could of been stopped. Making an attempt like to defraud an individual is considered a felony.

Regards-
Mike

Ben,
I explained all that and WAMU's Loss Department didn't want to hear about it. They wouldn't work with me or give us another chance. They just closed it.

Have you filed a fraud police report yet? If you were given a fraudulant payment for a car, then you need to make sure you file the police report.

Have you received your car back yet? You need to make sure you're following through with these essential "things to do" if your facing a felony charge.

Regards-
Mike

I have had my bank hold a cashiers check from another bank (home equity loan) for up to 9 days. Pertty much every bank I have talked to will do the same thing. I think counterfeiting cashiers check must be a bigger problem than most people think.

However, if you are facing a Class 4 felony, that would mean the bank has filed criminal charges against you and the District Attorney is persuing the case. In order for them to actually convict you of the charges they would have to prove beyond a reasonable doubt that you planned and executed a plot to pass counterfeit checks. Remeber in criminal cases the burden of proof is on the bank and district attorney to prove their case,not on you to defend yours. I would imagine that would actually be fairly hard for them to prove. You are entitled to a free representation if you can not afford an attorney of your own. When you appear in court, you simply ask the judge for a court appointed attorney.
In addition, contact Ebay's Security department and file a report with them and also ask for as much information on the purchaser of your vehicle as they have. You also should (if you havent already ) file a police report. As you also (not just the bank) are a victim of fraud. The person practicing deceptive practices is the person whop paid YOU with a fraudulant cashiers check. Once you talk to your attorney and the District Attorney they may drop the charges all together.

As for the liability for the 8 checks you wrote against the funds that were supposed to be in your account from the cashiers check, well, you will need to consult a consumer attorney to determine your actuall liability for them (maybe the district attorney could even answer that for you). However, I think you will be required to take responsibility fotr them either way. In that case you will need to make arrangements with Wally World and who ever else you wrote them to. If you contact them at the corporate level (dont mess around withthe clerk in the store) and explain the situation, and provide information to back up our story, they may waive their fees. This may seem like closeing the barndoor behind the horse, but you need to do this to protect yourself.

Also, if the bank is the one filing criminal charges it must be because of the amount of money on those cashier checks. Was it a large sum of money?

Shbear..
If you filed a police report, you should contact Chexsystems Directly and explain the situation. They my seek to have WAMU validate it, or delte it out right. Worst case scenario, they are required by law to allow you to place a consumre sttement on the account.

ChexSystem is a Consumer Reporting Agency, and as suc h is subject to the Fair Credit Reporting Act. In order to get it cleared up, it may require an attorney.

I don't owe WAMU any money. I cleared up any overdraft charges there were. So I can contact Chexsystems and discuss with them. I may do that because we want to get another bank account and can't....we have tried Wells Fargo, etc.

Shbear

Have you tried applying for just a savings account. Most places will consider you for a savings account, and when it comes time for bills they can draw up a cashiers check for you from the funds in your savings. Cashier checks are usually $3.00 per check.

The savings account is something most banks will allow you to have, while on this probationary period, usually lasting from 6 months to one year depending on the amount in your account, and how oftern you use it.

Regards-
Mike

We have not, but thank you for the information. Does anyone know the number I can contact ChexSystems and who might speak to directly?

I do not have the phone number to chexsystems. but their website states

Quote:

I don't have any hot checks outstanding at all. Thanks for the website info.

I guess I'm a little confused. What information from ChexSystems do you need.

The information they usually provide are your account history provided from other financial institutions to new ones you may apply for.

They will not speak with anyone on the phone, so you must write...

ChexSystems
Attn: Consumer Relations
7805 Hudson Road, Suite 100.
Woodbury, MN 55125

They also have a tollfree phone number for instructions on what to do for other things you are trying to inquire about.

ChexSystems
Consumer Relations
1-800-428-9623
(recording only)

The website may have more information on what you are seeking.

Regards-
Mike

I went to their website and ordered my free report. I want to know why I am being denied a bank account and I was told that WAMU gave me a negative mark with ChexSystems. That's what I want to see. It has nothing to do with hot checks.

I'm sorry. I may have mispoken early about the hot check. I was trying to use that as an examle. Any type of negative mark could consider you a risk. And that is why banks are declining your business, and telling you their reason is based on your status from ChexSystems. It could be any number of things they provide in the report. The institution that declined you does not have access to this report.

One more thing, you also have a better chance at getting an account with a credit union. They're more leniant, so you might also want to give them a try.

Regards-
Mike

Ihave a deceptive case from 27 years ago i was fired from my goverment job for this i wanted to know what are my chances for recieving a clemency for this so it is not on my record so i can still get a good job i gave the merchandise back without restitution the check was only for 700.oo i believe i pleaded guilty it was a honest mistake my step mother and i had the same first and last name our check books got mixed up

If it was a honest mistake, then I don't know why you plead guilty. The store has their merchandise and your mother has her checkbook. Most things you plead guilty to stay on you record.

If your government job fired you over this conviction, then chances are you'll have a hard time finding government work again.

If this is putting a burden on your record, contact an attorney. A clemency may be possible, but you would probably also need to have your mother involved so she could say her checkbook was mistakenly taken and not stolen.

You can do a background check on yourself online, if there is a record, Contact the state pardons and parole board to have the records cleared.

GUEST.....if you DID NOT do this crime, then why did you plead Guilty to it? I think, depending on the 'crime', determines how long it stays on your record. Can you PROVE it wasn't your fault? You said 27 years ago?! I don't really know if you can do anything about it now.

Try First Convenience Bank to set up an account.