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Punishing Scammers
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Author:  dankinden [ Tue Apr 17, 2007 9:44 pm ]
Post subject:  Punishing Scammers

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?

Author:  admin [ Wed Apr 18, 2007 10:05 am ]
Post subject:  Re: Punishing Scammers

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account, once the bank finds out that the funds are not good they will want that money back, so if you have already withdrawn that money they will want YOU to pay it back.

Quote:
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?

Author:  dankinden [ Wed Apr 18, 2007 2:35 pm ]
Post subject: 

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?

Author:  admin [ Wed Apr 18, 2007 6:26 pm ]
Post subject: 

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."

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