i got a check for 2500.00 for centura lotto it was a citi bank check they said it was good i even went back a week later they told me they wouldnt have cashed it if it wasnt good its almost 2 weeks i havent heard anything.
2007-01-30 12:35:23 · 7 answers · asked by paula g 1 in Business & Finance ➔ Credit
Its a scam.
2007-01-30 12:43:31 · answer #1 · answered by KirksWorld 5 · 2⤊ 0⤋
A very common scam is for a scammer to send their victim a check for goods bought on the internet, or to send these to someone met on a dating site. When these relate to goods, the checks are usually made out for more than the selling price of the goods and the scammer concocts some story or other and asks the seller to send the difference in value to an associate. Sometimes they may give a reason for cancelling the deal, and ask you to refund the whole amount of the check they sent. If it was sent to someone met on a dating site, the scammer asks that they clear the check through their bank account and send on the money to a third party.
In all cases when a scammer sends a check, money order or any other form of negotiable bond these are forged. The scammer relies on the fact that banks will show the checks to be cleared and credit money to the victim's account when in actual fact they have only passed a local inspection and it can take weeks or months before the check bounces.
This means that the victim notices the check has apparently cleared, sends the goods and forwards the money. When the bank finally realises that the check is forged, the victim is required to pay back the amount of the check to the bank and can and will face criminal charges for forgery. Some victims of this crime have even been sent to jail as accomplices in fraud.
If a scammer has sent you such a check, money order or bond. Do not attempt to cash this but take it to your local law enforcement agency with a printout of the e-mails which have passed between you and the scammer and report the matter. Please do not keep the check, it is an offence in both the USA and the UK and may be in other countries, to have in your possession such a forgery.
If you have already received such a check and have already cashed it. As well as reporting it to the police, contact your bank immediately and inform them you think you have been defrauded. If you do, the bank should be willing to come to an arrangement for paying back any money you have already spent.
Source - www.fraudwatchers.org
2007-02-01 04:26:53 · answer #2 · answered by Sarah 2 · 1⤊ 0⤋
typically any bank can clear (validate) any check or money order with in 5 business days, and with technology and fraud alerts on the rise often faster than that. If your that worried about it, let it sit there another 2 weeks (full 30 days) by then, if its still good, congratulate yourself. However, to prevent fraud on such items it is best to ask your bank (i have done this) to clear the item first and then deposit it to your account after the funds are available, when ever possible, cash all checks at the bank they are drawn from rather than your own, protecting your account number from anyone who may have sent the check or sees it later. seems the world is far too full of people too busy wasiting time trying to scam other to get a JOB and not steal. I wouldnt stress it too much, but always air on the side of caution when dealing with surprise checks or money orders.
2007-01-30 13:58:50 · answer #3 · answered by in_myown_dreams 2 · 0⤊ 0⤋
As an assistant bank manager:
If the check is bad, you'll owe them the money back plus a fee. Also, if it is a scam, the criminals will get your account number plus your signature from the back of the check. Thus, impersonating you and cleaning out your account. When checks are cashed eventually they go back to the original owner, thats how they get the info. Keep an eye on your monthly statements.
2007-01-30 12:47:40 · answer #4 · answered by brewer82 3 · 2⤊ 0⤋
SCAM!
Did you play this lottery? No? Then how could you win?
I assume this check was to cover taxes for your winnings. If it was, you will most likely have to pay your bank back.
You never have to pay anything in order to receive your prize. Taxes are your responsibility after the fact.
And the fact that the 'lottery' sent you money to cash and then send back, should've been a BIG red flag.
You'll never see any money.
2007-01-30 12:49:21 · answer #5 · answered by Celeste 6 · 2⤊ 0⤋
by skill of regulation a financial enterprise has to sparkling a examine by skill of a undeniable volume of time. As seen in the Clark Howard prepare this "faux" examine can take 6 weeks to return lower back as bounced, whether this is been cleared by skill of the financial enterprise. The secret shopper rip-off is extremely trouble-free. So is the different rip-off that includes you getting a examine and sending funds lower back. Sorry to assert the financial enterprise is rarely to blame. They accompanied technique in accordance to the regulation...
2016-09-28 05:13:49 · answer #6 · answered by guyden 4 · 0⤊ 0⤋
If there is any truth to what you are saying I would not worry about it if the bank cashed it. If you are that worried research the company and see if it's legit. and move on.
2007-01-30 12:49:14 · answer #7 · answered by blesshisname2005 3 · 0⤊ 0⤋