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> "pay to the order of <thief>" So it was pre-filled by PayPal as remitted to <thief>, and not you? And you have the image proof of this?

paypal_woes 3y ago
No, the payee on the front of the check is me. The endorsement field contains the following, handwritten: <thief's signature> MOBILE DEPOSIT ONLY PAY TO THE ORDER OF <thief's name>
- pengaru 3y ago
  Well, if it's so clearly a case of check fraud and you have the images, at least report it to the police providing them the images, if you haven't already. You really should have done that immediately upon hearing it was cashed, definitely upon receiving the check images. Time is not on your side AIUI, and it's already such a small sum. Fucking paypal.
  - paypal_woes 3y ago
    My understanding is that the US Postal Inspection Service is the only police agency with jurisdiction over this. I did report it via their website immediately[1], which said that there would be a later opportunity to provide documentation if and when a criminal investigation were actually opened -- but that did not happen. I will try to report it to the local police as well, I suppose. I will stop by later today. [1] Immediately, meaning immediately upon learning of the fraud, which, thanks to PayPal's negligence and incompetence, was about 4 weeks after the fraud actually occurred.
    - pengaru 3y ago
      The thing is, many institutions won't take you seriously until the police are involved and there's at least a case number. It demonstrates a willingness on your part to expose yourself to local law enforcement. Having not done that, it implies you're possibly in on the fraud, and just shaking a money tree opportunistically to see if you can double your money. PayPal doesn't know you're not the person who cashed the check using a fake identity, or co-conspirator. Involving the police doesn't guarantee a better outcome, but it improves the odds in my experience. You really should have contacted them the moment you were informed of the fraud IMHO.
      - paypal_woes 3y ago
        The USPIS is police, and I did contact them immediately. They did not seem to take any interest, however.
upon_drumhead 3y ago
I disbelieve that capital one gave this dude someone else’s check images without any court order. There is absolutely no way they walked into a bank with and came out with the images.
- flutas 3y ago
  Whoever writes the checks (PayPal in this case) can get images of the cashed checks easily. He also stated PayPal sent him the checks. > After some back and forth (...) I am even provided with a copy of the canceled check
- deleted 3y ago
  [deleted]
- pengaru 3y ago
  > I disbelieve that capital one gave this dude someone else’s check images without any court order. There is absolutely no way they walked into a bank with and came out with the images. It sounded like PayPal provided the images to him.
- paypal_woes 3y ago
  PayPal provided me with an electronic copy of the canceled check, as per my OP.
deleted 3y ago
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paypal_woes 3y ago

No, the payee on the front of the check is me. The endorsement field contains the following, handwritten: <thief's signature> MOBILE DEPOSIT ONLY PAY TO THE ORDER OF <thief's name>

pengaru 3y ago
Well, if it's so clearly a case of check fraud and you have the images, at least report it to the police providing them the images, if you haven't already. You really should have done that immediately upon hearing it was cashed, definitely upon receiving the check images. Time is not on your side AIUI, and it's already such a small sum. Fucking paypal.
- paypal_woes 3y ago
  My understanding is that the US Postal Inspection Service is the only police agency with jurisdiction over this. I did report it via their website immediately[1], which said that there would be a later opportunity to provide documentation if and when a criminal investigation were actually opened -- but that did not happen. I will try to report it to the local police as well, I suppose. I will stop by later today. [1] Immediately, meaning immediately upon learning of the fraud, which, thanks to PayPal's negligence and incompetence, was about 4 weeks after the fraud actually occurred.
  - pengaru 3y ago
    The thing is, many institutions won't take you seriously until the police are involved and there's at least a case number. It demonstrates a willingness on your part to expose yourself to local law enforcement. Having not done that, it implies you're possibly in on the fraud, and just shaking a money tree opportunistically to see if you can double your money. PayPal doesn't know you're not the person who cashed the check using a fake identity, or co-conspirator. Involving the police doesn't guarantee a better outcome, but it improves the odds in my experience. You really should have contacted them the moment you were informed of the fraud IMHO.
    - paypal_woes 3y ago
      The USPIS is police, and I did contact them immediately. They did not seem to take any interest, however.

upon_drumhead 3y ago

I disbelieve that capital one gave this dude someone else’s check images without any court order. There is absolutely no way they walked into a bank with and came out with the images.

flutas 3y ago
Whoever writes the checks (PayPal in this case) can get images of the cashed checks easily. He also stated PayPal sent him the checks. > After some back and forth (...) I am even provided with a copy of the canceled check
deleted 3y ago
[deleted]
pengaru 3y ago
> I disbelieve that capital one gave this dude someone else’s check images without any court order. There is absolutely no way they walked into a bank with and came out with the images. It sounded like PayPal provided the images to him.
paypal_woes 3y ago
PayPal provided me with an electronic copy of the canceled check, as per my OP.

deleted 3y ago

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