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Thu 1 Mar, 2018 08:20 pm
I read there are crooks who steal letters deposited for mailing from the USPS mail boxes, replace the name of the payee on any checks with their own names and then cash the check.
In such a case who takes the loss? The bank? The writer of the check?
@gollum,
Most of the questions on this page are in regards to people who have received a fake check as payment (which is obviously not what you are asking).
http://www.helpwithmybank.gov/get-answers/bank-accounts/forgery-and-fraud/bank-accounts-forgery-fraud-quesindx.html
But a few of the questions are about people who have had a forger write fake checks against their accounts (which is pretty close to what you are asking).
Most notably, these three questions:
http://www.helpwithmybank.gov/get-answers/bank-accounts/forgery-and-fraud/faq-banking-fraud-02.html
http://www.helpwithmybank.gov/get-answers/bank-accounts/forgery-and-fraud/faq-banking-fraud-03.html
http://www.helpwithmybank.gov/get-answers/bank-accounts/forgery-and-fraud/faq-banking-fraud-05.html
I have no actual expertise on this matter, but I assume that a
.gov website run by the US Department of the Treasury is likely to have a reliable answer.
@oralloy,
I recall finding that site as well. The information seems to be current.
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