I cashed a fraudulent check and now the bank is making me pay back all the money! (Ohio) : legaladvice

Authored by reddit.com and submitted by kittycat0195

I was selling an item($800) on Craigslist and a buyer wanted to pay via check. He sent me a check in the mail but it was for much more than what the item was worth($3,000). He said it was a mistake that his assistant made and to wire me back $2000 and keep an extra $200 for my trouble and he would send a shipping company to come pick up my item.

I cashed the check via mobile deposit so a teller didn't get to actually hold the check or anything but it cleared my bank in one business day and I wired him $2,000. He said he would be sending a shipping company out within the next couple days. I hadn't heard from him in a week so I thought the shipping company messed up, whatever. Then I get a call from my bank saying the check deposited bounced and they took the whole $3,000 back!

They informed me I got scammed via a check scam and there was nothing they could do. They said I'm responsible for paying them back when all I did was cash a check! How is it my fault that the bank cleared the entire amount of a $3,000 check without even verifying the funds?! This is insane!

sealboyjacob on November 25th, 2018 at 00:26 UTC »

Locked because OP IS YELLING AT EVERYONE

That made me laugh

laurifex on November 25th, 2018 at 00:05 UTC »

SWEETIE.

intx13 on November 25th, 2018 at 00:01 UTC »

It’s so weird to me that there are people that know how to do wire transfers but don’t know about this scam. My bank even asks some basic questions about who I’m wiring to, just to make sure I’m not falling for a scam.