Dating scamer check
She talked to her bank, but it said it couldn't do anything because she gave Steven her account information.It's what authorities call a "victim-assisted crime." BANKING RULES Angie had more questions.She Googled his name, she said, but it was a common name so no red flags came up."I finally caved and he deposited four checks into my account via mobile deposit," Angie said."Most checks are now increasingly processed electronically which speeds up the clearing of checks, making this gap in time smaller and smaller." It's a convenience to have your money available quicker, but if you withdraw money against a check that ultimately bounces, it's still your responsibility. That gap in time is what makes these fake check scams so successful.If the bank didn't release all the money until the check actually cleared, Angie's losses would have been minimal.
"At this point I knew something was up and I changed all of my account info and simply said I wasn't able to transfer money at that time," Angie said.
It's good advice in today's world of electronic banking, but it's too late for Angie.
THE REST OF THE STORY We also took a closer look at Steven Morgan but couldn't find anyone by that name who was in his alleged age range or at the address on his driver's license.
"After looking back on the checks, there is no signature, no account number on them.
They are so clearly fraudulent checks," Angie said, noting the bank made the full value of the checks available to her before they officially "cleared." Even when a bank releases money to your account, it doesn't mean the bank actually has those funds in hand. "Federal Reserve rules govern availability and though the funds from the check may not be immediately available, in many cases, they will be available before the bank knows the funds are good," said Doug Johnson, senior vice president, payments and cybersecurity policy at the American Bankers Association (ABA).
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There are also sites that cater to rich men and women who are willing to help others financially in exchange for companionship.