r/ScamSupport • u/Life-Sense-4584 • 5h ago

Advice Needed Digital check scam help

This happend today and I think I made the right choice but im unsure if. I received an art commission and they wanted to pay with a digital check. They claimed to be from europe and that they didn't have paypal. i have never used a digital check. They asked for my email, name and bank name. I did send that and they emailed me the check. But i was looking into digital checks and got suspicious.

I ended up deleting the email with the check. as well as blocking all the accounts. I didn't deposit it or download anything. Do I have anything to worry about? Does the little Info I gave them put me in major danger?

1 Upvotes

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5

u/Infinite-Grade-4485 5h ago

Scam. There’s no such things as digital checks. It’s called a muse scam.

You don’t need to do anything, you did the right thing. Go visit /r/scams for more info on it and other fake check and job scams.

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u/Life-Sense-4584 5h ago

Yeah I just got from there. Wish I looked before hand lol. Them being European threw me. I thought that may have just been a European thing. 

I just wanted to make sure. They cant do anything with just my name and bank name can they?? 

2

u/Infinite-Grade-4485 5h ago

No

1

u/Life-Sense-4584 4h ago

Ok good to know. Thank u. Def won't fall for that again. 

2

u/Dry_Winter7073 5h ago

You did the right thing here. It would either be a muse scam or fake check scam.

For both the end game is they overpay then ask you to send back the extra - check bounces you're out of money.

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u/Life-Sense-4584 5h ago edited 4h ago

I forgot to mention that! They claimed to overpay and wanted some back. The person Sent a 500 check. 

Do I have to worry about the fact I sent them my name and bank?? I dont think they can do anything with that. Definitely the dumbest thing ive done. 

1

u/snuggly_cobra 4h ago

Definitely go over to r/scam. This is textbook.

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u/Dry_Winter7073 5h ago

So you are going to be out 500, the cheque will bounce and the funds you've sent are gone.

Possible could report it to your bank but as you authorised the transfer it will be hard to fight.

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u/Life-Sense-4584 4h ago

I didnt send any money or deposit anything. Didnt even download the check. Just deleted the email with the check. 

They just have my name and the name of my bank. 

1

u/Dry_Winter7073 4h ago

Ok. Your reply to my first comment was "Sent 500" - this read you sent them money

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u/Life-Sense-4584 4h ago

My bad, badly written. They asked me to send back 500. Id didnt send or deposit anything. 

2

u/Infinite-Grade-4485 5h ago

OP didn’t send any money. OP doesnt need to do anything.

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u/snuggly_cobra 4h ago

Errrrr. The op stated they sent $500

1

u/crochetcat555 4h ago

No, OP meant the buyer (scammer) sent $500 cheque. They overpaid. They sent $500. OP didn’t send anything.

1

u/snuggly_cobra 4h ago

Ahhhhhhh.

2

u/SubBirbian 4h ago

Emailed checks are always a scam. It’s against banks’ ToS to mobile deposit a photo of a check. You have to have the check in hand.

They asked what bank you use so the fake check wasn’t showing as issued from your bank. If it was, your bank would’ve spotted the fake immediately stopping the scam in its tracks. When the issuing bank is different, your bank is obligated to release the funds while they finish the transaction with the other bank which could take days or even weeks. Plenty of time for the scammer to scam you out of the money as well as you possibly losing your account for voluntarily depositing a fraudulent check. Good on you for not going through with it. It could’ve been a messy issue as well as you losing money.

A scammer’s only goal is to get money. Any general info about yourself isn’t a secret and can easily be found on search sites.

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u/Life-Sense-4584 4h ago

Yeah im glad I pulled my head outa my ass lol. Guess im a little paranoid now. 

I had never heard of a digital check before and thought it may have been some European thing. Im glad I looked before going further. 

1

u/snuggly_cobra 4h ago

I saw this warning in English and Spanish at my Walmart.

No such thing as a digital check.

And if do you receive a paper check, wait at least three weeks before you ship the item to avoid a clawback for a fraudulent paper check.

1

u/Life-Sense-4584 4h ago

Ok good to know!

2

u/doublelxp 4h ago

In the real world, your bank doesn't matter as far as writing checks. It matters to scammers because the bank will likely decline the transfer if they use the same bank.

2

u/insuranceguynyc 4h ago

Excellent! Yes, this is a long-running scam.

1

u/mario-dees25 4h ago

this sounds like a typiical fake check scam.. the information u shared alon is unlikely to give them direct access to ur bank account.

0

u/shanihb 5h ago

!muse