My name is Aslan Hollier, and I was a
victim of a fake check scam. I was on craigslist and found an ad for
an personal assistant/office assistant position, then I applied. The
man claiming to be John Wilson contacted me back through the email at
wjohn8912@gmail.com, and on
the phone from 202-506-9389. In one e-mail, he said he would be
calling from 747-200-9389, but he never called from that number, and
I never called it.
I received a cashiers check from
Fifth Third Bank on 2-12-2013. The envelope had no return address, it
had an English Postal Stamp, and has an “Air Mail” “Royal Mail”
sticker. On the check it said it was not John Wilson , but Clifton
Harris in Lexington, KY. The check was in the amount of $2,480, and
had a note with it that said this is money that Clifton owed John,
and that the money was forwarded to me since I was the new assistant.
I spoke with this so called John Wilson back and forth afterward.
I deposited the check in my bank at IBC on Parmer and IH-35
(12625
IH 35 N Austin, TX 78753 #(512) 397-4570)
on 2-12-2013, and they said there would be a 2 day hold
for the check to clear. I told them to do whatever they had to do to
make sure the check was secure because safety is important with
things like this, and I'd never dealt with a cashiers check before.
The next day $200 was available to me,
then the day after that the full amount was available. John had me do
some tasks which consisted of getting a cashiers check from my bank
for $50 and make it out to Oxfam America. Others tasks were making
craigslist job postings, which is $25 a category, and cost me $75. In
this posting process I had to make a new email address to use for the
posting and send him the info to log on and receive the responses to
the job postings.
Finally, I was asked to take $2,000
cash from the bank and Western Union the money to “the supplier”,
for office supplies, to Marilyn Lawson in the Philippines on
2-15-2013. That money was sent and picked up quickly.
$300 of the check was supposed to be an
advance payment to me for the work I was doing.
I then began to really feel something
was wrong, as if I was doing something illegal like money laundering,
so, I sent him a response telling him that I could no longer do tasks
for him now that the money was gone. He gave me an appropriate
response, and that was the end.
Days later, I tried to use my card and it was not approved. I went to
the IBC Bank on Burnet road as part of the Domain Branch
(11400
Burnet Rd Bldg 46 Austin, TX 78758 # (512) 397-4595).
I spoke with Stephen Jones, a Sales Associate, and the branch
manager, Silvia Lopez. That is when I discovered the check was an “altered or
fictitious item” and the money deposited from the check was taken
from my account.
I had around $750 in my account, but
approximately $320 was left from the faulty check, but $430 of my own
hard earned money was in the account, it was all withdrawn, and I was
left with a negative balance of around $1,750.
By 2-21-2013 I received a receipt, of
sorts, in the mail from the bank notifying my about the faulty check,
and that not only am I charged the amount deposited, I was charged a
$12 charge back fee by the bank.
The manager told me that I was
responsible for all of the money to be returned to the bank, and that
these types of scams happen to many people everywhere. I was never
once told by my bank, or anyone else informed in this matter, that
cashiers checks can be completely fake and used in scams like this. I
was also never informed that it is best to wait at least ten days for
the check to clear, even though money would be available in two days.
I'm a victim of an elaborate scam and I
don't receive help from anyone, not even the bank where my money is
supposed to be protected. The only thing they can do for me is turn
the negative amount into a “fresh start loan” and pay the money
back, at no interest, in the amount of $146.50 for 12 months.
This doesn't help me at all and I feel
that the bank is, at least, partially responsible for not issuing me
safety warnings. These bank employees are clearly not trained to warn
customers about these types of scams, though they obviously know
about them. Had just one person warned me that this could happen, it
would've never happened, and now I'm the one caught in the middle
with the short end of the stick. I work hard to live on my own, and
I've gone to college,, and I have those loan payments deferred
because my money is so tight. I require a little more help from the
bank, or someone in this matter. This is practically impossible for
me to do alone. I'll have to work even harder to just get by.
My options are to pay the money back
this way, which leads me to feel like I'm pleading guilty in a case
where I'm innocent. It just doesn't sit right with me, and it brings
me more stress.
My other option is to not sign this
loan contract and fight it to the best of my ability. It will most
likely go to collections, hurt my credit, keep me from opening an
account anywhere, and I'd pay the money back anyway eventually.
No matter what I do, I'm screwed and
going to be going through a lot of trouble. So, as I get older I get
more fed up with how I'm treated and how many are treated, and I
can't help but to fight somehow because clearly all anyone does is
complain and then pay the money, as far as my research as shown, so,
I'm just going to fight as much as I can until I can come to a mutual
agreement with someone that works out in everyone's favor equally.
I think they could afford to just
delete the negative balance bringing me to $0, and we can call it
even. I realize that that is not how things work, but it should, and
I'm willing to stand up. I feel I could find a pro-Bono lawyer to
send them a message, and maybe scare them to help me more, or I could
just do a lot of public posts and get some people behind me to cause
a little disturbance to get some sort of help.
I've made a police report, and a fraud
report to Western Union and Craigslist, and I'm in the process of
filing it with the Federal Trade Commission, the U.S. Postal
Inspection Service, the District Attorney/Attorney General, the
Better Business Bureau, and FDIC.
I
have all the emails saved during the process, pictures, and hard
copies of everything I've done so far and dealt with in the process.
Including from the point of the original cashiers check.
I'm also planning on posting this issue
to Facebook, my blog, and possibly Youtube in order to help inform
people about these events that can occur, and get others to stand
untied against scams and bad money protection.
If I still go through troubles and end
up paying the money, then at least I tried to fight, and I informed
people in order to help others for the future. No one really delivers
knowledge about this, which only leads me to believe that banks are
possibly the ones behind the scams, Western Union could be behind
scams, big business owners could be behind the scams, or all of the
above. I only think that because no one is suffering as much as the
those who get scammed.
On top of everything I feel like a
chump, and I'm embarrassed to go through everything in order to let
people know “this is how much of an idiot I am”, but I must suck
up my pride and deliver the message to all who are willing to hear
it.
Schools don't teach you important life
lessons, mistakes in life do. Everyone should be knowledgeable of
their basic rights with the law, with banks, creditors, security,
their car, and all other real things in life that can be used against
you. Sadly, we must learn ourselves and people close to us, instead
of it being required information to be delivered to everyone. If
you're informed about diseases you receive through sex, then you
should be informed on all of these other “diseases” that can
effect you health and lifestyle.
If there is any help or advice anyone
can give me to ease my problems I'm going through, it would be much
appreciated. We all need to learn to live and help one another to get
through this ridiculous world we live in. Things seem to only be
getting worse for everyone, and sooner or later we'll have to make a
stand, or fall.
All companies work for us. If we didn't
pay taxes or buy things, then no one would know what to do. It's hard
for one person to make a difference, but one person can start
something to bring many together, which makes all the difference.
***UPDATE April 29,2013***
I just received a message from a girl in Washington state that has received contact from the same "person". Using the name John Wilson, using the same e-mail that I listed in the post, and gave her the same cell phone number used with me. She contacted me through Facebook. After talking to John about the "job", he had arranged for her first "package" to be delivered. The package, of course, will be the fake check. It wasn't until her grandmother told her to google him that she searched him, and found this post on my blog. That's when she contacted me seeking help to catch this guy. Great things do happen. We're in the middle of trying to do something about this situation. Stay tuned for more updates!
*** 4-30-2013***
A girl in South Carolina messaged me and is is dealing with the same thing. That makes 2 saved by this post. Kind of makes it worth it.
***UPDATE 7-7-2020***
All these years ago I submitted info about this situation and ended up making a claim in a civil suite Western Union vs The United States. They lost and had to pay people. I received a check from the government's justice system in the amount of $2,000, which is what was taken from me and submitted to credit collection. It came this year, March 2020. Almost exactly 7 years after the original incident. Not only did I get money, but it is no longer on my credit history. Sometimes it takes a long time to get anything, but I'm glad I got it. I have and had patience and it worked out. Couldn't have come at a better time to since the pandemic hit and took my first salaried job away from me. It can't all work out great at the same time. *shrug*