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Started By
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re: Long story. My parents and “check washing”.
Posted on 1/13/23 at 6:18 am to LSU alum wannabe
Posted on 1/13/23 at 6:18 am to LSU alum wannabe
I would just give them $100 and forget about it. Banks aren’t going to waste time on a $100 check. Maybe find a better way to send money. Maybe help them with electronic cash transfers. Those are pretty secure.
Posted on 1/13/23 at 6:24 am to rocksteady
quote:
I’ve always thought checks were the stupidest fricking thing. Name, address, sometimes DOB and phone number, entire bank account number AND your signature
Not that long ago (~90s), I remember seeing people put their Social Security Number on their checks. When you think about it now, that’s f*cking crazy.
I keep one checkbook, just in case that’s the only way I can make a payment. And, I don’t recall writing a check for at least five years. And, maybe five years before that. But for anything involving friends and family, I only use PayPal, Venmo, or Zelle. If someone doesn’t have (or refuses to set up) any of those three, then f*ck 'em.
This post was edited on 1/13/23 at 6:25 am
Posted on 1/13/23 at 6:29 am to LSU alum wannabe
The police will want to know where the check was negotiated - that will be the jurisdiction of the crime and BofA can answer that.
Wells should be able to do a simple claim for forged signature / altered item and refund your parents.
Both Wells & BofA are horrible banks.
Convince your parents to get rid of checks.
Wells should be able to do a simple claim for forged signature / altered item and refund your parents.
Both Wells & BofA are horrible banks.
Convince your parents to get rid of checks.
This post was edited on 1/13/23 at 6:32 am
Posted on 1/13/23 at 6:31 am to Titus Pullo
quote:
frick BoA for being shitty. You know they have tapes and ID info. You cant just roll in and cash a $7k check without IDs and an account.
You absolutely have to have an account if you're trying to cash a check from a different bank. OPs parents bank should be able to identify which bank it was cashed at. There has to be something identifiable about that specific bank contained within the details of the transaction that wells Fargo can see.
Posted on 1/13/23 at 6:56 am to OweO
quote:
We don't really see eye to eye, never have
Is it because he is standing up and you are sitting down?
Posted on 1/13/23 at 7:01 am to LSU alum wannabe
This is why I use a space pen to write with ink won't wash out. Felt tip pens same thing.
Posted on 1/13/23 at 7:16 am to LSU alum wannabe
I've cashed some big checks before (larger than $7k) and have always needed to have an account at that bank AND have my ID handy. While I could get the cash from the bank holding the account the check was written from, even with my ID and plenty of funds in my account it was a few days before all of the money was in my account at my bank (while they verified from the other bank that the account from which the check was written had the actual funds).
There's some massive failure and/or fraud going on wherever this check was cashed.
WF has had some massive problems over the last decade. Your family may want to consider changing banks, especially if they aren't pushing BoA hard on this sort of loss ($7k isn't much to them in the grand scheme, but if this is happening every day and/or to multiple customers, then that quickly adds up to THEIR loss).
There's some massive failure and/or fraud going on wherever this check was cashed.
WF has had some massive problems over the last decade. Your family may want to consider changing banks, especially if they aren't pushing BoA hard on this sort of loss ($7k isn't much to them in the grand scheme, but if this is happening every day and/or to multiple customers, then that quickly adds up to THEIR loss).
This post was edited on 1/13/23 at 7:22 am
Posted on 1/13/23 at 7:24 am to LSU alum wannabe
Police wont do shite for 7k, and they'll never find the perp. I would have an attorney contact Wells Fargo for them. Banks are supposed to protect from fraud like that.
Posted on 1/13/23 at 8:05 am to Napoleon
quote:
This is why I use a space pen to write with ink won't wash out. Felt tip pens same thing.
Had a check stolen out of mailbox. They took my routing number off check and had their own checks printed. I started seeing all these lawn care business checks coming through my account. Went to my local hometown bank and they had the money back in my account the same day. Cost them about $4700.
Posted on 1/13/23 at 8:07 am to LSU alum wannabe
What you wanna bet the teller at BOA that cashed it is M'doulakwa Ndamakwama Traore?
Posted on 1/13/23 at 8:18 am to BamaCoaster
quote:
Big banks are not your friend.
Stay local, as a local bank would be incredibly more helpful.
Local credit unions FTW.
Posted on 1/13/23 at 8:26 am to CountryVolFan
quote:
Yes...
This should have been your first move.
This is a felony forgery. They will contact the bank and the bank will actually listen to them.
Depending on where you are. Had a batch of checks stolen by a post office employee, some washed, some just deposited electronically with no changes to anything (the name on the check and the name on deposit account didn't even match), used the bank account/routing number to ACH their T-mobile payment. Memphis police couldn't have cared less
Posted on 1/13/23 at 8:30 am to LSU alum wannabe
quote:
LSU alum wannabe
I really think that you need to get your parents on board with a different way to send money. Even if that's writing a check to you locally that you can put into your account to venmo or cashapp to the other family member.
I didn't even know that this had become a huge problem. Even though this is stressful for you, thanks for the PSA.
Posted on 1/13/23 at 8:30 am to MMauler
quote:
Not that long ago (~90s), I remember seeing people put their Social Security Number on their checks. When you think about it now, that’s f*cking crazy.
Can confirm. Going through my dad's stuff after he died, he had tons of cancelled checks with his DOB and SSN on it
Posted on 1/13/23 at 8:52 am to Sun God
quote:
For that amount you need to contact the police
The bank should have already gotten law enforcement involved. Pretty sure that is protocol when dealing with this type of thing. Sounds like this bank is incompetent.
My girlfriend's purse got stolen out of her car in Nashville, broke her window. They ended up cashing a check that they stole from someone else at her bank, using her ID, posing as her. Dumbass bank had no clue apparently. The person whose check it was found my girlfriend on FB and was threatening her because she thought that she was the one that stole her checks. They drained my GF's bank account. The bank contacted police, who contacted secret service(who apparently this type of thing falls under) and she eventually got her money back. It was a big mess though. The police implied that they knew who it was, two women from Florida, but to our knowledge they never did shite about them.
This post was edited on 1/13/23 at 8:57 am
Posted on 1/13/23 at 10:13 am to LSU alum wannabe
This is much easier than you think. Notify your parent's bank (Wells Fargo) and initiate a fraud claim, in which they will have to sign an affidavit of fraud.
How to Report Fraud
Assuming the claim is made in a timely manner and under Wells Fargo's standard reporting policy, they will reimburse your parents, at which point your parents are made whole and no longer considered the victims. Wells Fargo is now the victim and it is then up to them to decide if they will pursue the matter or simply take the loss.
How to Report Fraud
Assuming the claim is made in a timely manner and under Wells Fargo's standard reporting policy, they will reimburse your parents, at which point your parents are made whole and no longer considered the victims. Wells Fargo is now the victim and it is then up to them to decide if they will pursue the matter or simply take the loss.
Posted on 1/13/23 at 10:44 am to DeafJam73
quote:
I would just give them $100 and forget about it. Banks aren’t going to waste time on a $100 check.
It's $7000, not $100.
Also, for OP, when you call/talk to the bank, make sure to use phrases like elder exploitation and elder abuse. Banks take that stuff very seriously and those are handled a little differently than a regular fraud case.
This post was edited on 1/13/23 at 10:48 am
Posted on 1/13/23 at 2:59 pm to LSU alum wannabe
My wife’s grandmother and uncle are both in Houston, and have had some washed checks. We suspect the post office.
Posted on 1/13/23 at 3:31 pm to LSU alum wannabe
Its a federal offense, grand larceny, slew of charges. If they did it electronically it could be wire fraud too.
Posted on 1/13/23 at 3:34 pm to LSU alum wannabe
If they stole it from the mailbox, they are in a world of hurt.
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