Just Experienced Check Fraud

[Max T.]

Looking at online banking last night I see that someone deposited a check from my account that I did not write. It was check number 454 and the next check in my book is 455.

They cleaned out the account completely. So it seems like they had an idea of how much was in there. Or maybe that is just coincidence. I’m currently overdrafted by a few hundred.

 I did recently write a check to a Contractor and mail it to him. I’m assuming that somebody intercepted the mail and somehow changed everything that I wrote on that check. However it does not look sloppy on the check image that I am seeing through my banks website. if I am wrong about this then I have no idea how someone got a hold of that check because no one has been in my house except my family for several months now.

I have no idea who the payee is. I’ve looked them up on Google and social media and the local courts but cannot find anything that matches the name on the check.

I’ll be in touch with my bank as soon as their phones open this morning. I’m not too worried about the money based on what I have read about check fraud. It seems like the banks will reimburse me because it is federally insured. But I just wanted to put this out there to see if anyone else had dealt with this before and had any advice.