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 Post subject: Punishing Scammers
PostPosted: Tue Apr 17, 2007 9:44 pm 
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Joined: Tue Apr 17, 2007 9:12 pm
Posts: 2
I just had a quick question. If the money is deposited into a checking account by some individual with an intent for that money to be sent through western union abroad by means of spam victims, why can't these "money mulers" just withdraw the funds and keep them for themselves? After all, the bank doesn't suffer, since it has received the money and it has been cleared. What is the reason for it to press charges? This way one can keep the money, punish scammers and the bank will not suffer. Am I misunderstandding something?


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 Post subject: Re: Punishing Scammers
PostPosted: Wed Apr 18, 2007 10:05 am 
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Joined: Mon Mar 31, 2003 10:09 pm
Posts: 2919
dankinden wrote:
why can't these "money mulers" just withdraw the funds and keep them for themselves??


Okay, if they deposit the money into YOUR account, once the bank finds out that the funds are not good they will want that money back, so if you have already withdrawn that money they will want YOU to pay it back.

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After all, the bank doesn't suffer, since it has received the money and it has been cleared. What is the reason for it to press charges?


Your right, the bank does not suffer because they come after the bank account holder to recover the money. If the account holder has spent the money and the bank thinks that they did this because they are "in on the scam" then that is when they will usually press charges to try and recover the money.

Does that clear things up, or just make more questions?

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 Post subject:
PostPosted: Wed Apr 18, 2007 2:35 pm 
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Joined: Tue Apr 17, 2007 9:12 pm
Posts: 2
THank you for the reply.

The question is, why does the money have to be necesserily "bad". After all, the scammers are interested in their transfer abroad, right? And how does the bank find out that it is bad? they have received and cleared it right?


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 Post subject:
PostPosted: Wed Apr 18, 2007 6:26 pm 
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The depositing bank recieve it and then tell the banking customer that it is "clear", or they will say that "the funds are available", but this is before the check has actually gone back to the bank that it says it is issued by . . . once it gets to that bank THEY are the ones that say "hey, we didn't issue this check . . . it is a counterfeit!" so they stamp it counterfeit and send it BACK to the depositing bank telling them that they are not going to pay on it since it is counterfeit. The issuing bank is not out any money, but the depositing bank WOULD be out that money since the funds were already put into the customer's account, so that is why they then go to the customer and say "Hey, that check that we told you was good last week . . . well it turns out it is counterfeit, so we are going to need that money back. Thank you and have a nice day."

_________________
Shawn Mosch
Co-Founder of http://ScamVictimsUnited.com
There is strength in numbers!

Share your story with the media and educate others about scams! Details here http://scamvictimsunited.com/phpBB2/viewtopic.php?f=28&t=6319
Sign our petition http://www.change.org/actions/view/crea ... s_programs
Follow our blog http://scamvictimsunited.wordpress.com/
Find us on Twitter, Facebook and more http://www.retaggr.com/page/ShawnMosch
_______________________________________________
Has this site helped you?
Buy us a coffee to say thanks ~ http://www.scamvictimsunited.com/donations.htm


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