What to Do When a Scammer Sends You a Fake Check Online

In today's digital age, fraudulent activities such as fake check schemes are becoming more sophisticated and prevalent. If you've found yourself in the unfortunate position of receiving a fraudulent check from a scammer online, here’s how to handle the situation to protect yourself and prevent future scams.

Step 1: Do Not Cash the Check

The first step is crucial. Do not attempt to cash the check using your normal checking or savings account. Scammers often write these checks for a small amount (like $1) to see if you cash the check and to track your bank account details. This can expose you to further scams or financial penalties.

Step 2: Secure Your Financial Information

If you know the check was fraudulent because it was sent electronically, you have already shared your bank account information. At this point, it is essential to act quickly. Visit your bank and request to open a new bank account with a new account number. Additionally, inform your bank about the situation and have them place a hold on your old account to prevent any unauthorized transactions.

Step 3: Report the Scam

Once you have taken steps to secure your financial information, contact your local police station and provide them with all the details of the scam. They can provide you with further advice and guidance on how to proceed and how to avoid future scams.

Step 4: Place an ID Scam Alert

After dealing with the scam, take additional steps to secure your personal information. Place an ID scam alert on your phone to protect your identity and financial information from further scammers. This can help in monitoring for unauthorized activities and alerting you to potential threats.

Step 5: Update Your Contact List

Ensure that all your friends’ phone numbers are saved as contacts in your phone. This way, whenever they call, their name will appear on your phone, making it easier to recognize genuine calls. For calls from contacts who do not display their names, stop answering the call. Smile! Someone might just leave a message for you. Always listen to these messages and delete them after you’ve reviewed them to avoid filling up your voice messaging app.

Step 6: Be Wary of Unverified Agencies

Be cautious of any calls claiming to be from the IRS or FBI. These agencies do not make unsolicited phone calls to individuals. If you receive a call from someone claiming to be from one of these agencies, hang up without saying anything. Some scammers record your voice, including your affirmative response, to make it seem like you are giving them permission to perform unauthorized actions.

Conclusion

Dealing with a scammer who sends you a fake check online can be a distressing experience. By following these steps, you can protect yourself and reduce the chances of falling victim to similar scams in the future. Stay vigilant and stay safe!