Am I liable for cashing a fraudulent check if I DON'T have a bank account?

Question

I cashed a $2500 check at Bank of America, which was the bank on the check, and sent $1400 of it to the scammer, who I thought was the "shippers" that would pick up the car I supposedly sold to the scammer. I spent the remaining $1100 on a new car, and now, a few weeks later, I'm realizing that it was a scam. My mom said that if I had deposited the check into an account, then I would be liable for the $2500, and would have to repay the bank. But she said that since I DON'T have an account, and since the bank accepted the check and cashed it for me without an account, then THEY are liable and I'm not. Can anyone shed some light on this for me?

I cashed a check a few weeks ago, which I'm realizing now was fraudulent. I don't have a bank account, so I cashed it at the bank on the check, which was Bank of America. I know that I would be liable for the money if I had deposited the check into an account, but am I liable if the bank on the check accepted it?

Answer 1

Hippy thief - You knew what you were doing all along didn't you? DIDN'T YOOOOOOUUU.

Answer 2

honestly, since you don't have an account there, they really don't have that much info to go on. They have your liscence number most likely and possibly a second form of ID. Usually the teller will get a firm talking to for not properly inspecting the check and it's really the bank's stupid fault for cashing a bank check without checking it's validity, which they can do online. As long as you don't make a habit of it, you should be ok. Otherwise the bank will start investigating and then there could be trouble. FDIC insures each s.s.# up to 100,000.00. They aren't sweating $2,500.00.

Answer 3

Time to lawyer up; for you could be looking at some serious charges if the check amount is over 500 bucks, and the local police do not believe you and think you conspired to cash the fraudulent check, but in the end it’s your sole duty to ensure any type of check you seek to cash personally is valid Where did the check crime from? Do you know the person who gave you the check? Would a reasonable person believe you side of the story?

Answer 4

You said the shippers who brought you your car were the scammers... did you buy the car from them? If you are driving a stolen car, be prepared to be pulled over some day by a police officer. I highly suggest you contact your police department ASAP and tell them what happened and let them deal with it. I'm sure your innocent and want to stay that way and I'm sure the teller at the bank would like his/her innocence proven to their boss too...if they still have a job.

Answer 5

Thanks for the 2 points, but I don't believe that a large bank like bank of america would cash that large of a check without some sort of hold on it, even if it was supposedly drawn from their bank. They would have immediately known it was a fradulent check.

Answer 6

You owe the bank the money. They shouldn't have to be responsible for your financial transaction. Never send money to people who should be paying you.

Answer 7

Fraud is Fraud!!
ignorance of the law is no excuse to break the law!

you are liable and this post can and will be used in a court of law against you.

you just admitted it!!!
Guilty! Guilty! Guilty!!!!

God help you, you have done a federal crime, and they have your signature, your thumb print and this confession!!!

Answer 8

Why should the bank have to pay because you were dumb??