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Home >> Scams/Fraud
Obviously Altered, but Check is Cashed
I wrote a check to a friend of mine for $60.00, $40.00 of which was for mowing my grass. After she cashed it, she brought me $20.00 back, because I needed cash. The following week, I checked the account online right before payday, to see how my checkbook register was matching up, and I was negative $93.00, so I went through the items I had written in my check register, and the items online. There was one check written about which I was completely unfamiliar, so I decided to check it out. It was for $69.00. When I write a check, I use the plus sign in place of the word when I write out the amount. The plus sign on this particular check had been written over with a nine, and also the dollar amount entered had also been altered, and it was quite obvious. The first zero is colored over in dark black ink, to look like a nine. Is this the bank's mistake for cashing an altered check? I have alerts on my account, so that they call me whenever someone is trying to fraudulantly cash a check. What do I do?
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 Contact the bank and ask that your account be recredited for the $9.00 by which the check was increased, and to refund any overdraft fees that may have resulted from its overpayment of the check. If the alteration is obvious, the bank should not resist making the adjustment.
It's not clear who committed the fraud in this case. It could have been your friend or the bank teller (if your friend cashed the check at the bank). If your friend cashed the check somewhere else, such as a check cashing business, someone there may have raised the check amount.
Published on BankingQuestions.com 10/13/10
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