I received a letter in the mail with a check stating that I had won money through a computer ballot system of the North American Utilities. It stated that I had won $46, 500 USD.
The attached check was for $2, 980.00 and was supposed to be for the first payment of the $46k I "had won." I called the number on the letter; 289-888-1762 as instructed.
This was supposed to be the payment coordinator line for Mr Kingsley or Mrs. Sylvia Park. when I called, a woman answered "accounts", and told me that I indeed had won this money and that she was activating my check and that I could go ahead and cash it.
I was still a little skeptical so i also called Chase Bank (which the check was from) to verify the validity of the check, and was so happy to find out that it was a valid check.
So, I happily proceeded to deposit the check and was even more ecstatic when the check cleared in my account. I transferred the money into my checking account which is the account I frequently use, and as I greatly needed the money, I began to use it.
To my amazement, a week later I see in my bank account that the money is being charged back! I'm furious! How can people do this to you and not pay for it! I quickly called my bank and they stated that the check was fradulent and therefore was being charged back, they took funds from my checking account to pay back the money which I had originally deposited in my saving account.
Can my bank do this without notifyin me? That included my payche whic is direct deposited into my checking account that they took to cover the carge back of this fradulent check? As much as I would like for these scum bags to pay for this, I also want to know, can my bank just take money out of my other accounts to pay this bakc without notifying me of the events?
They didn't even send me a letter to advise me that the check I believed was a winning was fradulent. They just went into my checking account and seized everything I had in there and used it to pay this back.
Although i do understand that the money has to be paid back, don't they need to notify me of what's going to happen before it happens, or at least alert of the check being fraudulent?
I want these people to pay! i want the world to know what they are doing and I want them to get caught and have to pay their victims for damages. is there a lawyer out there that can sink these people???