Disclaimer: We are not attorneys and don't pretend to be.

In our experience, the solutions offered in this section have proven to be effective; however, we always recommend that you consult with an attorney.

If you have doubts about Fraud Aid, do not hesitate to contact federal (FBI, Secret Service, RCMP) Scotland Yard, or local law enforcement to check us out.

 

Stay out of debt and stay out of jail:

The legal truth about work-at-home money, package, and check forwarding jobs

 

How to really verify a check

Your ID Theft Prevention To-Do List

What to do about threats from scammers

     ON THIS PAGE:

Credit Unions:

You have withdrawn the money from your account or cashed the drafts at your credit union but have not spent or sent the money

 

MILD AMBER ALERT

Credit unions are normally more interested in getting their money back than filing a police report; however, it is highly recommended that you act quickly since not all credit unions managers handle the situation with understanding.

 

Cease all correspondence with the scammers.  Do not open or answers their emails.  If you have caller ID, do not answer their calls.  If you do answer the phone, hang up as soon as you realize who is calling you.  If they persist, blow a whistle into the telephone.  If you are being threatened, please go here: http://www.fraudaid.com/threats.htm

If you have been corresponding with the scammers by email and/or have gone to a web site they told you is theirs, you are at high risk of Identity Theft even if you have bad credit.  Go here: www.fraudaid.com/id_theft.htm.

File a Scam Email Report with our Law Enforcement Support Division.  You will find step-by-step graphic instructions for your email service here: www.fraudaid.com/find_headers.htm.

MONEY ORDER WARNING! Counterfeiters are now inventing the names of money order companies.  DO NOT CASH any money order and DO NOT DEPOSIT any money order you receive from someone you do not know  or someone you met online without ordering your bank to send it for collection.

DO NOT WITHDRAW ANY FUNDS FROM YOUR ACCOUNT to spend or to send to anyone without asking your bank if they have been paid.  Even with a hold, your account is credited before your bank has been paid.   If the draft you deposited comes back because it was stolen, forged, or is a counterfeit you will owe your bank all the money plus return charges.  www.fraudaid.com/check_liability.htm

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You have withdrawn the money from your account or cashed the drafts at your credit union but have not spent or sent the money

 

Western Union and MoneyGram were designed to send money to friends and family, not to send money to strangers.

NEVER WIRE MONEY TO A STRANGER!

 

Contact your credit union by phone and speak with the Operations Officer, Manager, Assistant Operations Officer, or Assistant Manager.

Take note of the date and time of your call, and the name and title of the person you speak to.  Keep this information in a safe place.

Explain that you just found out you are a scam victim and that the draft(s) you deposited will be coming back.  State that you have the money in hand and are re-depositing it.

If possible, make your re-deposit at a different branch and take a trusted witness with you who is not an employee of the bank.

Make sure you don't leave without your deposit receipt.

Ask to be given the returned drafts or a copy of the returned drafts so you can file a law enforcement report.

File a report with the FBI online (not at the local Field Office): http://www.ic3.gov/complaint/default.aspx.  Be sure to keep the acknowledgment email.

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File an FDIC report:

Make a copy of the of what the returned draft.

On a separate piece of paper, write:

Counterfeit draft received.

 

You can contact me at:

Jane Doe

123 Main Street

Anytown, State, Zip

(555) 123-4567

Send to:

FDIC

Special Activities Section

550 17th Street, N.W.

Room F-4040

Washington, D.C. 20429

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If your circumstances do not fit the above solution or if you have difficulties negotiating with your credit union or law enforcement please write to so we can review your problem and offer alternate solutions or intervention.

 

Did your bank freeze your account and report you to ChexSystems?

NO CREDIT CHECK

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