Finbra I remember you saying you were a pro at seeing through scams. Pls explain this one to me:


- Received several calls from a 1-800 number
- they leave message saying they from bank of america
- I don't bank with Bank of America
- They want me to verify a check I wrote from my bank account [they name the bank I actually bank with] that someone is trying to deposit
- They give a reference number
- I call them back, give reference number
- they say [name of some fake sounding company] tried to deposit a check from me for $9,900
- I tell them I didn't write that check
- My guard is up so I don't give them any more info
- But they also are not pressing for any more info

I know 100% it wasn't actually bank of america, and even if it were my phone number is not on my checks so they wouldn't know to contact me by phone. I had expected them to ask me to "verify some info" like account number, social etc., but they didn't ask for any of that.

So I'm scratching my head tryna figure out what just happened. Is it possible they just wanted a recording of my voice? Or to confirm what my actual phone number is? Or just to confirm what bank my checking account is with?

Could be a few things. Personal info and verifying a phone number is a legit scam as your number can be sold (but for mere pennies), and your number is worth more if its tied to a person's name & address. And now it sounds like they've tied your name & number to a bank you bank with, so they have another angle to get at you.

The usual check scam is:

-I gave you a check for too much.
-Please deposit it and cut me a check for the amount that should be returned.
-2 weeks later your bank tells you their initial check is garbage, and you're out whatever money that you sent as a remainder.

Thanks.

So there is nothing so sophisticated where they are just trying to get a recording of my voice and alter it (like chopping it up to have me say "I approve this check")? Legitimately the only thing I can think of other than what you just said - verifying my name, phone number, and who I bank with.

Several years ago I started getting lots of letters from some supposedly bank fraud investigator in Florida asking a lot of information about my bank, etc. Obvious phishing attempt so I just ignored them.

Then the cops called.

Turned out some guys were passing bad checks that had the bank account number and routing of some woman in Dallas, but they had my name, address, and DL# on them. Had to go over to the constable's office and answer a bunch of questions.

The $9,900 should be a give away, anything over $10k is automatically reviewed by the Feds

Literally a scam.

There are a ton of variations.

Do not answer, do not call them, do not respond at ALL.

Check will always be fake. They will get you to cash it, and then ask for a percent of it sent back for *reason*.

Check bounces, and you sent them a secured amount of real cash. One of the biggest scams out there right now.


GO NC WITH THEM ASAP.