I received a letter today for 5400.00. Me being an ex-teller, knew that it was a scam. I just want everyone to know what to look for.
1) The amount of the check is usually for a round figure ex. 5400.00, 1600.00, 7200.00. It is never for 5000.00, 1500.00, or even 7000.00.
2) If you hold the check up to the light and check the watermarks on the back, it will have something other than official check/ document. Something to that effect. Mine says DocuGard, which is not official. You can also see it plain as day when it is just lying there.
3) When a letter comes to your home saying that you should CASH it and SEND money to them via moneygram and it is for almost the whole check, that is a red flag.
4) If they say they have to activate the check, they are just being plain stupid. Think about this, when you get a check from anybody, and you take it to your bank they will deposit it no matter what most of the time. There are rules they have to follow, such as putting holds on checks, but they still will take it. A really great teller will be able to spot a fake check anyway. If you still have doubts, you can call your bank and ask to speak to someone who can verify the MICR line. They will know what you are talking about.
The check that I received came to our old address. Is drawn off of Bank One, Merrill Lynch in Fort Walton Beach, Fl. The company is AACE International in Morgantown WV. The Routing number is 044000804: account number is 041107962574. I am going to send it to Bank One's (which is now Chase) fraud department and let them handle it.
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