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Date: Thu, 09/29/2011 - 10:11

Submitted by myloves.kw
on Thu, 09/29/2011 - 10:11

Posts: 4 Credits: [Donate]

Total Replies: 7


i put a add on craigslist for some baby items. well this guy frank emailed me [well so i dont know if it was a he or she. they never told me there name there email just said frank on it ] but they emailed me saying they wanted to buy it so we had been emailing eachother about it for bout a week. they live in arizona and i live in cali well aparntly there mover was going to pick up the items. well then he email me saying his assistant maid the checks for $990.00 there was 2 checks for that much in my name. and he said for me to cash the checks and take out whats mine and send the rest back. well i dont have a bank acount. and the checks were POSTAL MONEY ORDER checks. walmart wouldnt take them or anything only the bank will and the closes bank to me is chase. went there asked to cash the checks i have to have a bank acount so i opened one. the money was in there but i couldnt get all the money i could only take out 100 max so the checks would go thru. and i wouldnt be able to get all the money out until i get the credit card in the mail and that takes 6-7 days. i can only take a maxium of 200 out of the bank aday. so i emailed this frank and told him what the deal was and what was going on. well this morning i wake up and i got emails from chase saying im -776.00 in the acount and i called up there and they told me the checks were fraud.. this is the first time ive had a bank acount, and i dont know what to do or what will happen. i dont have that kind of money i have a 4 month daughter and my b.f is the only one working all our money goes to bills and such


This is a very common scam. You need to file a police report and go into your bank and tell them what has happened. They should also file a fraud report for you. You're going to have to return the money you took out against the checks and you've lost what you sold to the guy.

Remember, if something sounds too good to be true, it usually is.

:(


lrhall41

Submitted by OhioGal1 on Thu, 09/29/2011 - 10:16

( Posts: 5253 | Credits: )


well i still the items i have. he didnt get them.
he wanted me to cash the checks send the remaining money back to him and then his mover was gonna pick them up.
but the mover never came.

what do i tell them?
and i took out 650 but it says im -774


lrhall41

Submitted by myloves.kw on Thu, 09/29/2011 - 10:21

( Posts: 4 | Credits: )


You deposited $990 of fraudulent checks/money orders into your account. Which means, you actually deposited NOTHING into your account. Your bank is going to charge you fees for those deposits (each check) AND any money you've withdrawn against the deposit will have to be repaid, plus there may also be additional fees.

If you go into the bank and talk to someone, they may be able to help you eliminate some or all of those fees. You need to tell them what happened.


lrhall41

Submitted by OhioGal1 on Thu, 09/29/2011 - 10:33

( Posts: 5253 | Credits: )


File the police report and let the bank know what happened. They're going to close the account anyway and you're going to have to pay it off. Better to talk to them in advance and see if they can help you minimize the damage than to try to hide and give the appearance that you committed fraud.


lrhall41

Submitted by OhioGal1 on Thu, 09/29/2011 - 11:50

( Posts: 5253 | Credits: )


I agree -- talk to the bank and the police if need be -- you have to let them know your situation--

you have created a paper trail which will come right back to you -- you want to make everything transparent --

don't get yourself into trouble just explain --- prob not the first time this happended at the bank --

good luck -


lrhall41

Submitted by chrissyhen1 on Thu, 09/29/2011 - 12:41

( Posts: 151 | Credits: )