On February 5, 2014 the Walton County Sheriff’s Office responded to a Fraud call. The victim advised checks were written on his business account that he did not authorize. The checks had been duplicated from his account and the check numbers were higher in sequence than the checks that he had recently written. The checks were made out to three different subjects and were all cashed in person at a local bank. The checks’ lettering and font size were different than his checks but they did a duplicate of the victim’s signature and business logo on them. All three signatures on the checks were completely identical.
This case is very similar to cases from June of 2013 from Walton and Okaloosa County in which suspects enticed homeless subjects who had a valid form of identification and then drive them to the bank to cash the checks. In return they received a small portion of the cash. Most of the victims were Companies who had checks stolen from their mailboxes and recreated. The suspects were involved in a larger ring from the Atlanta, Georgia area and arrests were made on the case. During a search of the suspect’s hotel rooms, blank sheets of check paper, printers, and laptops used to produce the counterfeit checks were located and seized.
If you have any information on the above incident or have had similar incidents please contact Inv. Randy Brown with the Walton County Sheriff’s office at (850)-892-8186 or by email at firstname.lastname@example.org.
Tips So You Don’t Become A Victim of Check Fraud
- Make sure your checks are endorsed by your financial institution and incorporate security features that help combat counterfeiting and alteration.
- Store your checks, deposit slips, bank statements and canceled checks in a secure and locked location. Never leave your checkbook in your vehicle or in the open.
- Reconcile your bank statement within 30 days of receipt in order to detect any irregularities. Otherwise, you may become liable for any losses due to check fraud.
- Never give your account number to people you do not know, especially over the telephone. Be particularly aware of unsolicited phone sales. Fraud artists can use your account without your authorization and you may end up being responsible.
- Unless needed for tax purpose, destroy old canceled checks, account statements, deposit tickets, ATM receipts (they also frequently have your account number and worse yet, your account balance). The personal information on it may help someone impersonate you and take money from your account.
- When you receive your check order, make sure all of the checks are there, and that none are missing. Report missing checks to your bank at once. Should you fail to receive your order by mail, alert your bank. Checks could have been stolen from mail box or lost in transient.
- If your home is burglarized, check your supply of checks to determine if any have been stolen. Look closely, because thieves will sometimes take only one or two checks from the middle or back of the book. The longer it takes to detect any of your checks have been taken, the more time the criminal has to use them successfully.
- If someone pays you with a cashier's check, have them accompany you to the bank to cash it. If at all possible, only accept a check during normal business hours so you can verify whether it is legitimate. Make sure you obtain identification information from the individual
- Do not mail bills from your mailbox at night. It is a favorite location from which a criminal can gain possession of your check with the intent to defraud you. Criminals will remove a check from your mailbox and either endorse it using bogus identification, photocopy and cash it repeatedly, scan and alter the check, or chemically alter it. The Post Office is the best location from which to send your bill payment.
- Limit the amount of personal information on your check. For example, do not include your Social Security, driver's license or telephone numbers on your check. A criminal can use this information to literally steal your identity by applying for a credit card or loan in your name, or even open a new checking account.
- Don't leave blank spaces on the payee and amount lines.
- The type of pen you use makes a difference. Most ballpoint and marker inks are dye based, meaning that the pigments are dissolved in the ink. But, based on ink security studies, gel pens, like the Uniball 207 uses gel ink that contains tiny particles of color that are trapped into the paper, making check washing a lot more difficult.
- Don't write your credit card number on the check.
- Use your own pre-printed deposit slips, and make sure the account number on your slip is correct. Thieves occasionally alter deposit slips in the hope you won't notice and the money goes into their account.
- Don't make a check payable to cash. If lost or stolen, the check can be cashed by anyone.
- Never endorse a check until you are ready to cash or deposit it. The information can be altered if it is lost or stolen.
*Information provided by the National Check Fraud Center