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Received a random check from someone I don't know with a large sum of money, someone please explain??

Received a random check from someone I don't know with a large sum of money, someone please explain??

readwiteandblu

Almost certainly a scam. The person who sent it will likely wait long enough for you to deposit it, then contact you. If you haven't deposited it, there will be some reason he wants you to deposit it. Either way, they will then want you to send them funds to reimburse for the mistake, probably less some amount for you inconvenience. Sometime later, your bank will discover the cashier's check is a counterfeit and debit your account and you won't be able to locate the scammer. Thus you will be out the money. Note there might be a real cashier's check with all the same info that was purchased, but it won't be the one in your hands, so calling to verify the validity won't be of any help. They assume you won't take it to the bank in person where it would possibly be identified as a fake.


_lilpanda

Thank you for the information, I will most likely not be cashing in the check because I know for a fact that nobody owes me that much money and I did not ask anyone for that much money. I appreciate the insight.


doveharper

“Most likely”? Please DO NOT cash that check. It is 100% fake and you can get caught up in some illegal shenanigans as well as losing lots of money. This is one of the oldest scams in the book.


toastyhoodie

Did it come in a FedEx envelope? It’s a fake check. Typically you’d be in a text or email conversation with a scammer and they’d send you this check way over an agreed amount. You’d deposit it via atm or mobile app and send the difference to someone (a “car wrap guy” for example). You would then be on the hook for the check amount from your bank. You can check with your bank inside to confirm it’s authenticity, but this is likely the case. Is your name printed on it?


_lilpanda

We were in a text conversation, it did come in a FedEx envelope, and my name is printed on it (most likely because during the conversation, I sent them my address and name so they could send their "movers" over) . I read another post with the same situation where they had a text conversation with a "fake person" and they mentioned something about their movers and sending the check to the movers.


toastyhoodie

Well, there you go. Were you selling something? The check is fake, there are no movers, and you’ll be out the entire amount of it if you cash it. Here’s a link to explain how the scam works https://www.vox.com/the-goods/2019/8/19/20808526/cashiers-checks-online-scams


_lilpanda

We were selling 2 things, both had almost the exact same conversations over text. I didn't really suspect anything too bad until I received the check. I appreciate your help.


CheezitsLight

!fakecheck scam. The movers won't come. Deal in cash, in public only.


AutoModerator

AutoModerator has been summoned to explain the fake check scam. The fake check scam arises from many different situations (fake job scams, fake payment scams, etc), but the bottom line is always the same, you receive a check (online or in real life), you deposit a check and see the money in your account, and then you use the funds to give money to the scammer (usually through gift cards, Western Union, or cash). Sometimes the scammers will ask you to order things through a site, but that is just another way they get your money. The bank will take the initial deposit back , and any money you sent to the scammer will come out of your own personal funds. Usually the fake check deposit will be reversed in a few weeks, but it can also take several months. If you do not have the funds to cover the amount, your balance will go negative. Your bank will usually charge a fee for depositing a bad check, and your account may be closed depending on the severity of the scam. Here is an article from the FTC:\ https://www.consumer.ftc.gov/articles/how-spot-avoid-and-report-fake-check-scams, and here is an article from the New York Times:\ https://www.nytimes.com/2020/02/21/your-money/fake-check-scam.html *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/Scams) if you have any questions or concerns.*


AndrewZabar

Tear it up, throw it in the trash, and move on with your life.


jrpgamer

Why all the secrecy? It was from someone you know - a scammer. You were clearly trying to do something or conduct some kind of business and they gave you a bad check. Burn it and move on.