So I have received a fake cashiers check today from a guy who tried to scam me on Craigslist. He was able to get my address as the result of a fake job ad to whom I sent my resume to. The guy sent me an email today giving me instructions on what to do with the fake cashiers check:
1. Deposit into my bank account
2. Keep a certain amount of it (as payment) and wire the rest to another account
3. Get caught by the bank and suffer the consequences (he didn't say that)
Basically what happens is that my bank (Chase) would find out that the check is fake, but the money that I was supposed to wire from my own account, lets say $2,000, would have already been sent over to the scammer's account before Chase found out about the fake check. Let me break it down easily for you on what would happen to my bank account:
$10,000 (original)
$12,500 (after fake check deposit)
$10,500(after sending $2,000 as wire to scammer's account and keep
$500 as payment)
... bank finds out that it's a fake check and at the end of all of this...
$8,000 (result of sending $2,000 of my real money to scammer's account)
So now the scammer would have $2,000 of my real money while I gain absolutely nothing but major credit and financial problems with Chase and potentially... criminal charges.
Now that's the background to all of this. I contacted CFW Federal Credit Union to talk to them on what to do with this fake cashiers check that I have now and they told me to call back during business hours and talk with the fraud department.
I was wondering... does anyone here know if the scammer is able to be caught as the result of this? I have heard that scammers will use a fake mailing address to use for sending the fake cashiers checks. According to my USPS Express Mail Envelope, it shows:
1. Deposit into my bank account
2. Keep a certain amount of it (as payment) and wire the rest to another account
3. Get caught by the bank and suffer the consequences (he didn't say that)
Basically what happens is that my bank (Chase) would find out that the check is fake, but the money that I was supposed to wire from my own account, lets say $2,000, would have already been sent over to the scammer's account before Chase found out about the fake check. Let me break it down easily for you on what would happen to my bank account:
$10,000 (original)
$12,500 (after fake check deposit)
$10,500(after sending $2,000 as wire to scammer's account and keep
$500 as payment)
... bank finds out that it's a fake check and at the end of all of this...
$8,000 (result of sending $2,000 of my real money to scammer's account)
So now the scammer would have $2,000 of my real money while I gain absolutely nothing but major credit and financial problems with Chase and potentially... criminal charges.
Now that's the background to all of this. I contacted CFW Federal Credit Union to talk to them on what to do with this fake cashiers check that I have now and they told me to call back during business hours and talk with the fraud department.
I was wondering... does anyone here know if the scammer is able to be caught as the result of this? I have heard that scammers will use a fake mailing address to use for sending the fake cashiers checks. According to my USPS Express Mail Envelope, it shows: