Report: #201715


  • Submitted:
  • Updated:
  • Reported By: Corrigan Texas
  • Phone: 800-243-2508
  • Web:
  • Category: Banks

Show customers why they should trust your business over your competitors...

Is this
Ripoff Report
About you?
Ripoff Report
A business' first
line of defense
on the Internet.
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..
On July 17th i received a check in the mail in the amount of $9,500.00, I checked continuously throughout the day and the bank stated the the funds were available and they told me to either deposit it or bring it in to one of their branches for cashing. I verified again today at 7:10 am and the bank again told me the funds were available.

I drove for 3 hours to get to Wachovia bank, and when arriving they asked me to sign the check then they needed to verify funds. After around 15 minutes of waiting the teller told me she could not negotiate the check because the funds were not available and it was a fraudulant check. I can't fully blame Wachovia for the mess up, but i can't beleive that they would tell me the funds were good until i arrive there. I don't know if anyone else has received a check of this type, but be aware before you decide to cash it.

Now they have my signature and are telling me i was in posession of a fraudulant check!!!! Thank god although they confiscated the check from me, they were "nice enough", to make me a photostatic copy which is worthless, other than to prove my innocence. Everyone just BEWARE OF THIS SCAM. The envelope is from Payment processing center, and the check was on Wachovia bank in North Carolina.

Corrigan, Texas

This report was posted on Ripoff Report on 07/18/2006 01:48 PM and is a permanent record located here: https://www.ripoffreport.com/reports/payment-processing-center/phoenix-arizona-85062-2994/payment-processing-center-sent-me-a-check-for-950000-from-wachovia-bank-and-was-someon-201715. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Report & Rebuttal
Respond to this report!
Also a victim?
Repair Your Reputation!

Updates & Rebuttals


#14 General Comment

There is no free money

AUTHOR: dc - (United States of America)

POSTED: Tuesday, March 02, 2010
Was the check in your name?  Were you suppose to receive money?  Did you sell something?  If not, then why even bother to cash a check that doesn't belong to you?  If you attempt to deposit a check that doesn't belong to you, you are in fact part of the fraud.  You have not describe why you even attempted to deposit a check.  Just because the bank told you the funds are available, it doesn't mean it belongs to you.  You were too scare to deposit the check in your own because you know that the money does not belong to you!  You were hoping that you can actually deposit it and take the money? LOL Seriously, be real and grow up.  Earn your money the real way and get a real check from a JOB.   I can't believe you even made this post thinking you are innocent.  You were the greedy one...
Respond to this report!

#13 Consumer Comment

um Chip....

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

POSTED: Wednesday, August 02, 2006
If you are going to use big words, you need to know how to spell them. (ARTICULATE!) Sorry, just teasing...

I don't believe my post implies that the check was good. All I am saying is that there is a process which protects someone who feels compelled to deposit an item like that.
Respond to this report!

#12 Consumer Comment

Ummm, Ken

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

POSTED: Wednesday, August 02, 2006
Your words:

"When in doubt, take it to your own bank, and ask them to submit it for collection. That way, you aren't implicated in the fraudulent activity, and no funds actually go into your account until the check has been cleared by the bank it is drawn on."

No individual or company sends a $9500 check out of sheer generosity. It is either a mistake or a scam. Your recommendation to deposit it and wait (and hope) for it to clear is a rip off and a scam if you're not expecting it, and/or the check is from an unfamiliar source.

If that's not what you meant to say, then you need to be more articualte.
Respond to this report!

#11 Consumer Comment

Ummmmm Chip?

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

POSTED: Tuesday, August 01, 2006
Did something I posted give you the mistaken impression that I thought the check was valid? I believe if you go back and re-read you will see that what I said was that a fraudulent check could have a good account number, which is why you cannot call and verify over the phone that it is a good check.
Respond to this report!

#10 Consumer Comment

Ummm...Teresa/David and Ken...

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

POSTED: Tuesday, August 01, 2006
If you get a check unexpectedly, out of the blue from an unfamiliar person or company, you should automatically conclude it's a scam or a mistake, and destroy or return it. Do not call the issuing bank to see if the funds are available then drive for hours to cash it; do not deposit it into your own bank account...that would be, as Cory accurately surmized, A RIPOFF.

If you're not expecting it, it likely does not belong to you or is fake. Companies and individuals that are unfamiliar to you don't make $9,500 mistakes, or are that generous.

Get a clue...
Respond to this report!

#9 Consumer Comment

My company received a check today for $84.69

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

POSTED: Monday, July 31, 2006
i received a check by the same people, normally we just deposit them, but we couldnt find a customer or company to credit them in our quickbooks. so did a google search, and found this discussion.

I dont know what to do with it, usually checks like these are some type of rebates, we have mailed in months before and have forgot about.
Respond to this report!

#8 Author of original report


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

POSTED: Monday, July 31, 2006
I am informing everyone that not only did i receive the check for $9,500.00 "which of course has been reported to the proper authorities", but i also received another one for $3,500.00 written off the same bank.."Wachovia", but this one was for a clearance fee for a Lottery Winning from Nigeria. A lottery which i never even heard of. Then to my surprise after reporting this fraudulant check to the authorities, and contacting the real account holder. I get a knock at the door and there stands a UPS delivery guy with another check for $10,000.00. This one was from the same person "NEKTO CHAMBERS", that sent me the first check for $9,500.00 I guess they assumed when they didn't hear from me after i got the first check, they decided to make sure i got the second check.

Needless to say that check was also fraudulant!!! And has been reported!!! Only this time it was written from a business account and was off of Bank Of America. I contacted the business that was on the check and i thought the guy was gonna faint when i told him the amount. My advise to everyone is from my personal learning experience, do not do any business with anyone contacting you thru e-mail, from Nigeria, Africa, Lagos, etc..... These people make a living by ripping off others and they work very hard at it too. The people that conatcted me are as follows...Victoria Shipman, Nekto Chambers,& Barr Adams Williams. This is true, FRAUD FRAUD FRUAD!!!
Respond to this report!

#7 Consumer Suggestion

The check in in the mail!

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

POSTED: Monday, July 24, 2006

Like you, I also received a large check, eight million dollars to be exact, from a Professor Charles C. Soludo Governor Center Bank of Nigeria with instructions to deposit it into my account. Needless to say, my bank was not very amused about it!

Google the above name and you will have some insight about what really goes on in the real world!

No offense intended, just a word to the wise. My check is hanging up in the bathroom where I can observe it when I do my real serious thinking.

Respond to this report!

#6 Author of original report

You're Right "Nothing In Life Is Free"

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

POSTED: Wednesday, July 19, 2006
To Cory.....
I am aware that you never get something for nothing, and of course nothing in life is free. By the way I am Teresa today, and have been all my life. I was instructed by Wachovia to go to one of their branches to cash it, so that's what i intended to do. I was not really sure of it and was not about to deposit it in my own bank account due to heving someone else get my account information!!! The safest way was to go to a Wachovia bank, in hopes of getting it cashed and also letting me know what it was for, and where it came from. And yes i did learn a big lesson myself, so from now on i will know better, and probably will be like you!! "Start me a poster collection, to hang on my wall"!!!
Respond to this report!

#5 Consumer Comment

To Teresa or David or Whoever You Are Today

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

POSTED: Wednesday, July 19, 2006
I'm not perfect, far from it, I'm just not stupid. If someone were to send me a "free" check for $9,500 or $5,000 or $500, I'd just shred it. That's THE PERFECT SOLUTION you asked about. There isn't anything free in life. You were hoping it was a mistake. Why else would you call the bank "continuously throughout the day" or waste 6 hours worth of your time and gas to get to the bank and cash the check. Have a "free" check for $145,000 on my wall. And no, I didn't rush to the bank to cash it. I get checks all the time. The problem is the interest rate is 18% or 24% or 29% or higher. They get shreded along with the rest of the crap. Just another experience in life.
Respond to this report!

#4 Consumer Comment

I have to vote...

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

POSTED: Wednesday, July 19, 2006
with Cory here. A "free" $9500 IS "too good to be true" and should have raised a HUGE red flag. I get 'generous offers' from time to time and I amuse myself by looking for their 'catch' There is ALWAYS a catch.

Of course, going directly to WACHOVIA BANK might eliminate the NSF time trap that submitting the check at your own bank might pose, thereby preventing a scammer from making their timely request for some type of kickback, but aren't kickback fees usually requested BEFORE you get the check? This might even be some kind of 'insider job', or a really stupid hoax that could cost someone their job.....
Respond to this report!

#3 Consumer Comment

The check...

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

POSTED: Wednesday, July 19, 2006
A fraudulent check could well have a legitimate account number on it, so when you call and ask about funds they may tell you funds are there. It isn't until someone has the check in their hands and can see (for instance) that the encoding isn't in magnetic ink, but rather was done by a laser printer, that they can say with certainty that the check is bad.

When in doubt, take it to your own bank, and ask them to submit it for collection. That way, you aren't implicated in the fraudulent activity, and no funds actually go into your account until the check has been cleared by the bank it is drawn on.
Respond to this report!

#2 Author of original report

TO CORY.... NO REALLY / There are so many scams today that it's getting harder and harder to know what is for real and what isn't!!

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

POSTED: Tuesday, July 18, 2006
I assume you were trying to incinuate that i was myself trying to rip off someone. Well get this...

If you would have been in my shoes at the time, then tell me what PERFECT solution that you would have? I was not intentionallly wanting to rip off, steal, or hurt anyone. All i was doing was protecting myself, and following the instructions i was given by the Wachovia bank geniouses. I have never myself been scammed like that, so it was new to me, and i'm glad you are so PERFECT, and never make mistakes!!! You should go a along way in life being the Perfect person that you "CLAIM", to be. I wish i was as PERFECT as you!!!

There are so many scams today that it's getting harder and harder to know what is for real and what isn't!! I hope that you, "MR PERFECT", are able to tell one from the other, in your own little world, and not be like the rest of us hundreds of thousands, in the real world.
Respond to this report!

#1 Consumer Comment

No Really

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

POSTED: Tuesday, July 18, 2006
No really, didn't you think it was just a little bit odd that someone would send you a check for $9,500? I guess not. You "checked continously throughout the day" and the bank stated the funds were available. Drove the 3 hours to get to wachovia bank as quick as you could to cash the check before anyone figured it out. Who was trying to ripoff who here. Unless of course you always get checks for thousands from people you don't know. This has scam WRITTEN ALL OVER IT. Probably the MO was for you to deposit the check into your account and send them a portion of the $9500 for "fees". When the check is returned NSF, you're out the "fees".
Respond to this report!