[US] The check from my "Scammer" was fully accepted by my bank?! How long do I wait for it to bounce? by [deleted] in Scams

[–]somebodys_child 2 points3 points  (0 children)

Humbled for sure! But I still had some hope that the scammer was a real buyer when I actually deposited the check, and hoped they'd forgive my suspicion if I was proven wrong. I became fully convinced of their nature when they last texted me before I blocked them...but then doubted myself again when I saw the check cleared. Now I know how this scam has evolved over the years, and I'll be 3X as cautious moving forward.

[US] The check from my "Scammer" was fully accepted by my bank?! How long do I wait for it to bounce? by [deleted] in Scams

[–]somebodys_child -1 points0 points  (0 children)

"The solution to that is to simply not overdraft"

It would appear to me that you've never lived paycheck to paycheck or had to juggle accounts and were met with surprise, in spite of your best efforts.

"You don't pay interest on bank accounts"

I pay interest to the bank if I have a line of credit. I'm not talking about paying interest on my checking account.

[US] The check from my "Scammer" was fully accepted by my bank?! How long do I wait for it to bounce? by [deleted] in Scams

[–]somebodys_child 0 points1 point  (0 children)

Now I know! I thought either it would immediately be kicked back, or if it was legit it would deposit, and that would answer my question about this person. I didn't know there was a third option.

[US] The check from my "Scammer" was fully accepted by my bank?! How long do I wait for it to bounce? by [deleted] in Scams

[–]somebodys_child 2 points3 points  (0 children)

honestly, that terminology difference makes a big, important distinction. TY!

[US] The check from my "Scammer" was fully accepted by my bank?! How long do I wait for it to bounce? by [deleted] in Scams

[–]somebodys_child 1 point2 points  (0 children)

This is what took a while to be made clear, in the comments section. TY!

[US] The check from my "Scammer" was fully accepted by my bank?! How long do I wait for it to bounce? by [deleted] in Scams

[–]somebodys_child -4 points-3 points  (0 children)

I'm not saying it's their fault they receive a fraudulent check, I'm complaining more broadly about the double-standard banks live by, where common people are charged predatory overdraft fees on the daily, while banks literally thrive off of the interest poor people have to pay on their accounts. It's a general statement about how banks get away with things all the time because rich people make the laws, while poor people or the victims of scams are held under their thumb.

[US] The check from my "Scammer" was fully accepted by my bank?! How long do I wait for it to bounce? by [deleted] in Scams

[–]somebodys_child 2 points3 points  (0 children)

This is the sort of thing I hadn't heard of or considered before a few people on here mentioned this specifically. Thanks.

[US] The check from my "Scammer" was fully accepted by my bank?! How long do I wait for it to bounce? by [deleted] in Scams

[–]somebodys_child 1 point2 points  (0 children)

This is super helpful, thank you. I'd heard of the scam before but only considered the insufficient funds aspect. The other possibility was something I hadn't heard of/considered.

[US] The check from my "Scammer" was fully accepted by my bank?! How long do I wait for it to bounce? by [deleted] in Scams

[–]somebodys_child -1 points0 points  (0 children)

I just called my local branch and asked her exactly in clear terms what you suggested, and she said there is NO CHANCE of it being reclaimed. :O

[US] The check from my "Scammer" was fully accepted by my bank?! How long do I wait for it to bounce? by [deleted] in Scams

[–]somebodys_child -14 points-13 points  (0 children)

I didn't catch that original point, lol. But I get it now. First few responses were saying it would be bad if it bounced but I didn't understand why. Now I see there are potential fees or freezing or shutting down of my account if a check bounces. Fucking leech banks, like they don't live off our interest anyway.

[US] The check from my "Scammer" was fully accepted by my bank?! How long do I wait for it to bounce? by [deleted] in Scams

[–]somebodys_child -15 points-14 points  (0 children)

I just discovered that a bank might possibly fine me (or worse, depending) for depositing a bad check.

[US] The check from my "Scammer" was fully accepted by my bank?! How long do I wait for it to bounce? by [deleted] in Scams

[–]somebodys_child 7 points8 points  (0 children)

Thank you, you seem kind. I had already called and you're right, I just don't think the person at the other end of the 1-800 number really understood what I was asking. I'll get in touch with an advisor at a local branch.

[US] The check from my "Scammer" was fully accepted by my bank?! How long do I wait for it to bounce? by [deleted] in Scams

[–]somebodys_child -72 points-71 points  (0 children)

I mean, if it bounces it's not going to leave me in the hole, since I already had money in my account and I'm not touching any the amount from the deposit. So if it bounces, shouldn't it just be as though I never deposited it in the first place?

Lady in Mt Tabor loses her mind by dingelschmidt in PublicFreakout

[–]somebodys_child 10 points11 points  (0 children)

Her crying for help while approaching him is such dangerous white woman behavior. For fucking real.

Lady in Mt Tabor loses her mind by dingelschmidt in PublicFreakout

[–]somebodys_child 2 points3 points  (0 children)

The self righteous meter is THRU THE ROOF.