We received this very good question from Brian about how badly scammers can hurt you once they capture your information:
I’m trying to answer a question I don’t see asked anywhere online.
I was recently victimized by an overpayment scam, and presumably a fake check. I fill out a new fraud report every day, but am slowly coming to terms with the loss (though I can’t believe there is no class action lawsuit or something against the banks for “clearing checks” and misleading you when you ask them what that means).
Anyway, my question is how vulnerable am I to be revictimized by this scammer? He doesn’t have any account numbers or anything. I did write my account number on the back of the check when I endorsed it, though.
What happens to that physical check when it is returned? Will this guy see it again? He has my name, address and phone… even if he can’t access my account can he use this information to mock up another fake check and send it to someone else?
Before I took the fake check to my bank, I called the issuing bank (I got their number from their website) and they verified the routing and account numbers as well as the company name on the check.
As long as he doesn’t have my account number I’m not too worried. But if the fake check makes its way back to him, I am concerned.
This reader was scammed once, apparently putting his real name and contact information on what proved to be a fake check. Should he be worried? The short answer is yes: any time a proven scumbag knows your name and where you live, you should be careful. However, what is the real threat, and have people been hurt by having their info out there like this before?
Thanks for speaking up, Brian! I hope your questions will help others.