CLA Connect Open Forum

Topic: Scammed 

1.  Scammed

Posted 07-17-2017 08:47
On Friday I received a call from my bank that 4 checks for $500 each were submitted & cashed by my bank. These were photocopies of my check but were altered so that they were made out to a supposed employee of one of our laundries. We do not have attendants so there r no employees. The bank is going to make us whole, but I believe that it was from a small refund ck of ours that was copied & presented multiple times. After I filled out the paperwork this person tried to present another fake ck & that branch bank called me to tell me they didn't cash that one. I asked if they got a picture of her or her I'd, but the bank mgr didn't have a clue.
I think it was from someone that I cut a small refund ck too. So, from now on I'm only going to give out CASH refunds. Any other ideas?
Elliott Rosen
Dirty Harrys laundries
Albany NY

Sent from my iPhone
Elliott Jay Rosen
Associate Broker
Trinity Realty Group
(518) 428-1943

2.  RE: Scammed

Posted 07-17-2017 10:48
Edited by Curt Harrington 07-17-2017 11:25
Always include N.T.E.(not to exceed) on refund checks And use a pen that is hard to "wash". I use a permanent marker for the N.T.E amount.

Curt Harrington


3.  RE: Scammed

Posted 07-17-2017 14:09
It's hard to believe in this day and age that banks would be so careless. First of all I would use what's called safety checks which you can buy from Deluxe office supplies on line.  They are very hard to duplicate via copy machine.
I don't know what bank you're using but here in my area in order to cash a check you must have an account with that bank.
I also have never heard of a bank that doesn't have security cameras.
For a bank to be so careless it would scare me away from using it.
4 times with the same photo copied bad check would prompt  me to switch banks immediately.

Potential Investor
San Luis Obispo CA

4.  RE: Scammed

Posted 07-17-2017 23:44
I only send cash refunds.  Too much time and effort to write checks for small amounts.  Round up the refund to the nearest dollar.

Brian DeCoster
Store Owner/ Employee
Iowa City IA

5.  RE: Scammed

Posted 07-18-2017 12:17
My bank gives me unlimited bill pay. I pay all refunds in checks through Bill pay even for $.25.  I always record the name when I enter it into QuickBooks so I can research to see if they are repeat offenders.

Barry McGee
Store Owner
BAM Investments, LLC.
Indianola, IA

6.  RE: Scammed

Posted 07-18-2017 11:15
The problem with a cash refund is,  they can claim they never received it.  No proof.  It would always have to be done in person.

Store Owner/ Employee
Belding Laundry Station
Belding Laundry Station

7.  RE: Scammed

Posted 07-18-2017 11:45
Just to add a new developing twist to admittedly Robb's better judgement on handling larger refunds.

I wrote out a check to someone ... it could have been a refund but it was for tradework.  His bank is out of town.  I cashed it for him.  I had him endorse my business check to him.  That way there was a proper & protective business expense paper trail & so he would not be charged $7 even going to my bank because he did not have an account at my bank.  A day ago my bank (US Bank) said they were in the process of instituting a policy of not accepting any 2 party checks.  The person cashing had to do it in person.   At first they refused & then reluctantly the teller said that she was not responsible for it if the bank's check proofing department sends it back with a $30 penalty to my business.  I tried to explain that there was zero risk to anyone but me because the person cashing it was me on my account.  Finally she said to also endorse it besides the person but washed her hands of the potential outcome from the check proofing department.

So much for doing someone a favor such as cashing a payroll check or like in this case a refund check for a WDF problem or whatever.  Is this becoming the norm for all banks???

Michael Walsh
Store Owner/ Employee
King Koin Laundry, Car n Dog Wash
Bismarck ND

8.  RE: Scammed

Posted 07-18-2017 11:21
​I would not use cash.  Most banks will cut a money order for free.

Cathy Green
Store Owner/ Employee
Chevy Chase MD

9.  RE: Scammed

Posted 07-18-2017 14:00
14 years I have sent cash refunds and never a problem.
Nothing worse than receiving a two dollar check in the mail and then having to go to the bank.

Store Owner/ Employee

10.  RE: Scammed

Posted 07-18-2017 17:05
I have been sending cash refunds for 6 mats for 18 years with only one time a person said they did not receive it. My out of order cards fit in a window envelope so what they wright is where ti goes. I only put the address in the return so know one knows whats in it.

Chris Mirisciotta
Store Owner/ Employee
Canon Coin Laundry
Canonsburg PA

11.  RE: Scammed

Posted 07-19-2017 11:23
I always send cash.  It's easier for me to drop a few bills in an envelope than to write a check.

Also, to prevent people from forging copies of my checks I have an facial image on the face of my checks.  The image is of Elvis Presley, actually a few images that differ from check to check.  Unless the forger is a really good Photoshop artist, he will have trouble redrawing the altered check.  It should be easily spotted by the bank as altered.

After a plain check was forged and cashed by the bank, I learned how insecure the check cashing system is in America.  The bank made me whole, but the inconvenience of having my checking account drained was caused me to think about how to prevent this from happening again.

Joe C.
Store Owner
Happy Bubbles Laundromat
North Hollywood, CA