Today I received a check in the mail that appears to be a real check. It has watermarks, etc. It is for $7.62 and has my and my wife's name and our address.

I have no idea who the bank is that wrote the check - it says "UMB". I have no idea who it could be from or what it is for. There is nothing included with the check to explain it.

I suspect fraud, but don't understand how it would work. I will not cash the check.

Can anyone explain how this could be fraud, or have any other explanation as to what could be going on?

Ask your bank.

Try going to the website and call or email them and ask ??? God Bless


https://www.umb.com/

I do not think it is fraudulent but not a banker. Perhaps it is some sort of refund on something you purchased. I would take it to your local bank and ask the branch manager to look into it. Hope this helps.

Whose account is it drawn on?

It could be one of these types of scams - http://www.nbcnews.com/id/1510...cash-check-its-scam/

quote:

It could be one of these types of scams - http://www.nbcnews.com/id/1510...cash-check-its-scam/

Interesting. Thanks for posting this. I just dont think like a criminal. LOL

Full Metal Jackoff.

quote:

Originally posted by WaterburyBob:
It could be one of these types of scams - http://www.nbcnews.com/id/1510...cash-check-its-scam/

Thank you for the article. I've notified our accountant that we will never do business with HSBC . Depending on Chase's involvement, we will terminate our relationship with them. (Other than processing the checks, the article didn't seem too clear on what Chase did to get sued.)

I regularly receive "checks" for odd amounts, like $59,246.38 made out to my small business.

The reason I put "checks" in quotes is that they look legit, until you realize that there is no OCR line at the bottom. No account number, no routing number.

I endorsed one for deposit and took it to the bank just to see what would happen, fully expecting the teller to laugh at me. She went through all the motions of making the deposit, up to the point where I stopped her and asked her to check the OCR line -- there was none. She was surprised at how real it looked at first glance. We had a conversation about the various scams that she has seen.

It's the first installment from that Nigerian prince....

UMB manages our HSA...do they for you as well, and did you or your wife request a "pay yourselves back" check for a medical payment...?

quote:

Originally posted by at-home-daddy:
UMB manages our HSA...do they for you as well, and did you or your wife request a "pay yourselves back" check for a medical payment...?

This was my first thought.

Maybe the issuer of the check decided you were worth more than $5.56.

The check does have an OCR line at the bottom.
I don't have a HSA.
The check just says UMB Bank. There is no other association with an account.

There is nothing else with the check to indicate anything about it.

Very strange.

For Wasabibill, 7.62, 5.56. I get it.

Cash it at bank it's drawn from or toss it.

quote:

Originally posted by Aglifter:

quote:

Originally posted by WaterburyBob:
It could be one of these types of scams - http://www.nbcnews.com/id/1510...cash-check-its-scam/

Thank you for the article. I've notified our accountant that we will never do business with HSBC . Depending on Chase's involvement, we will terminate our relationship with them. (Other than processing the checks, the article didn't seem too clear on what Chase did to get sued.)

Using the routing & account number information from the processed check, Chase then allows Trilegiant to then charge your account for the full annual membership after the 30 day "free-trial" period all for a nice fee to Chase for the sale of their account-holders' information in the first place.

This site provides some useful tips on Check fraud and related issues. Learned a lot from reading.

http://www.ckfraud.org/ckfraud.html

It may be your settlement amount for one of those class action things that are always around.

I would certainly call that bank and find out. If for no other reason than we want to know.