Wells Fargo Bank Four months I deposited a check in the amount of 1550.00 it cleared with no problem at almost four month of the check being cleared an me using it I went to check my back three fridays ago to find that my account was overdrawn 1550.00  Altamonte Springs Florida

The employees at wells fargo are the ones who got sandbagged by the top big dogs at wells fargo. They made them open the fradulent credit card and checking accounts. The employees did it and they still got fired I mean sandbagged while the higher ups at wells fargo still have their jobs. And they are given $95 million to someone over the department who was in charge of opening the phony accounts. They should not get that kind of money.

Why does one person deserve so much money for being a criminal. It was organized crime at wells fargo. They was throwing their weight around by closing peoples checking accounts, and not telling them. They would get embarassed when they tried to purchase something because they didn't know their accounts had been close.

WELLS FARGO IS EVIL.

Wells fargo former employees have come foward saying wells fargo, was a hostile work envirement.  I believe it.

You received a check in the mail from someone you don't know.  Most likely it was a "Customer Service Evaluation" where you would go to one of the "Big Box" stores and buy something and report your experience.  You would then also need to evaluate Western Union and to do so they want you to send them a good portion of that $1550 to one of their managers.  Where for what amounts to a little more than an hour or two of your time they are going to allow you to keep what ever you bought and another $200-$300. 

Or perhaps you sold something on a site and "by accident" they sent you too much money.  Where to make it easy they said to just go ahead and send them the difference back.

Well guess what...this is a SCAM that has been around in various forms for decades..yes I remember getting checks like this back in the 1990's.  Let me just say that right off the bat you are very lucky you are only overdrawn.  As what you have done is considered fraud and for that amount of money many banks will prosecute if you don't return the money.

Now, I bet you are asking "but why am I responsible".  Simple...when you deposit a check you are presenting it as valid.  As such you take full responsibility to that bank if it comes back bad.  Now, if it was a legtimate person/company you in turn would go after them for giving you a bad check.  But in this case these people are not even in the US and every bit of contact information they gave you is 100% false and by now totally inactive.  So you have no one else to go after..therfore you become responsible. 

Also, when a check "clears" that doesn't mean it is good.  As you found out it can be reported fraudlent many months after it was deposited.  By FEDERAL law a bank must relesae the funds after a certain amount of time(generally a couple of days, but never over 11 business days).  That is what these scammers rely on.  That you get the funds before the account holder reports the fraud. 

So sorry to tell you this but you are not going to see that money again, and unless you can work out something with the bank your troubles are just beginning.  You may want to see if they can put you on a payment plan where you pay back so much every month.  At the very least if they are withholding your paycheck you may want to think about changing banks.  But with the realization that if you do that and they are getting no money they may start to pursue other legal means.  So a call to an attorney may also be in order.

As for future reference...unless you PERSONALLY know who you are getting a check from..NEVER accept it.  Especially if they ask you to return even a dime back to them. No matter how convicing they are...because it is a SCAM.

Good Luck...