• Report: #588528

Complaint Review: Citibank Deleware - Loblaw Us

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  • Submitted: Thu, April 01, 2010
  • Updated: Fri, April 02, 2010

  • Reported By: kemsmom — Fallon Nevada United States of America
Citibank Deleware - Loblaw Us
50 Dundas Street Toronto Ontario MGN 4NG. Canada New York, New York United States of America

Citibank Deleware - Loblaw Us John Stewart, Patrick Sean, laurie Karaha, Monica Canahola Depositing This Check In My Bank Got My Account Closed And US Banned From Bank Of America For Life New York, New York

*Consumer Comment: Sad..

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My husband received a letter from Advance Financial Services Inc. it included a check for $4,960.  It said to call 778/223-8012 and ask for Emmanuel Chung and give him my claim # to activate the check.  Then send $3,698.00 to cover the taxes for my winnings and send them to the tax agents named Jones Stewart and Patrick Sean.  I checked the check for the watermark and it had it.  It seemed legit so I went to my bank and deposited the check.  I knew the bank would have put a hold on it and they would tell me if there was anything wrong with the check.  I called the day it was supposed to clear and was told I needed to talk to the risk department.  That was my first clue to something was wrong.  The risk gentleman at Bank of America was very rude and accused me of trying to scam the bank.  He told me even if I had an account with Bank of America for 20 years it didn't matter. [continued below]....
.....  Bank of America is closing my account and banning me for life from ever having an account again.  They are also reporting us to Check Systems for depositing a forged account (I told them I was told it was a fradulent check not forged and she said they are the same thing.).  So now I can't open another account at another bank for seven years. 
This one check has ruined my life.  It was made out to my hubby but because it is a joint account we are both screwed they say.

This report was posted on Ripoff Report on 04/01/2010 04:35 PM and is a permanent record located here: http://www.ripoffreport.com/r/Citibank-Deleware-Loblaw-Us/New-York-New-York-10007/Citibank-Deleware-Loblaw-Us-John-Stewart-Patrick-Sean-laurie-Karaha-Monica-Canahola-D-588528. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

Sad..

AUTHOR: Robert - (U.S.A.)

Sorry but you fell for a very old scam.

Your first clue that something was wrong is when you got a check from someone you don't know, for a contest you don't remember entering.

Unfortunatly this scam relies on the GREED of people..yes Greed.  They also rely on banking regulations that require a bank to release the funds of a check before it actually clears, look up Regulation CC to see more information on that.  You will notice that the check they sent you was $40 under the $5,000 amount that would have triggered an "extended hold".  Believe me these scammers know exactly what they are doing.

If they released the funds, I have no doubt that you would have sent the money.  Then when it finally did come back as bad you would be on the hook for the money and probably still have been reported to ChexSystems.

Why?  Because when you presented the check to the bank YOU made the assertion that it was valid.  Bank of America is right, there is no difference between a forged and a fraudlent check as they are one in the same.

Sorry this happened to you.  But if you take anything positive out of this be glad that this is all that happened to you.

As for ChexSystems that record is only on file for 5 years(I do not believe that there is any exceptions for fraud).  There are also banks that do not look at ChexSystems, you can look up 2nd chance banks.  They will have higher fees but in your situation that may be all you can do.

Anytime you get a check or money order from someone you do not know and trust you have to treat it as a fraud.  It does not matter what story they give you or how valid the check looks.  If they ever ask you to cash it and send money back in the form of a Western Union Moneygram, run don't walk the other way.

For future reference

- You did not win some Internet Lottery

- You do not have a long lost relative in Africa

- You can not get a loan by sending money in advance

- A member of the royal family does not want to send you money for some international deal

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