[UA] Cons to Watch out for

[Bailey Watts]

>How ya gonna get the deposit slips printed? They use
>the same MICR numbers as the ones on the bottom of the
>checks.  Actually, if you get ahold of somebody's
>checks, you can just have a whole bunch printed for
>you by Deluxe or, even better, whichever company
>prints the checks.  All a check company usually
>requires is a voided check.  You can cross out the

And the checks you buy come with deposit slips in the back.  You get the 
checks printed and you get the deposit slips printed.

>address and write in your own on it and the check
>company will simply print you some new checks and mail
>it (you don't usually have to pay on the same
>account.)  You can't change the name on the checks,
>though, because the check printer will call to verify
>name changes.  Illinois has some pretty tight bank &
>check fraud security guidelines, so this dodge
>probably wouldn't work there.

You don't want to change the name.  the whole point is to create a paper 
trail to someone else.  You run a normal mail scam (pick any there are 
oodles) and accept personal checks from the marks.  Those checks are made 
out to the person with the name on the account.

>It would be a lot easier to just use a bank which
>provides blank deposit slips.  Then all you need to do
>is use that one voided check to fill in the customer's
>account number and make withdrawls. They'll check your
>ID, but not closely enough to spot a fake one.  This
>actually happened to me once at BoA.  It took months
>to get it resolved and royally screwed me over.

Blank deposit slips cause the teller to check ID occasionally.  The real 
deal will cause the teller to overlook asking for ID.  It works in Nevada 
because the rules for tellers cashing checks are much stricter than the 
rules for depositing checks because the banks want to cover their asses.

The key to this scam is that you NEVER make withdrawls against the victim's 
account.  You deposit the checks you get from the mail scam in someone 
else's account and fill in the "less cash received" area for about a third 
of what the checks from your mail scam total.

This is about covering your ass as a con man.  The checks from your mail 
fraud are all made out to someone else and the money is all going into that 
person's account.  And more than likely you've got the account holder's 
number from one of their checks which means you also have their address.  If 
you are approached by law officials you can point the finger at the person 
all those checks are made out to so you can avoid the mail fraud charges.

It works because you NEVER make a withdrawl from their account.  Many people 
who go through their statement every month will raise hell about any 
withdrawls they don't remember but look on extra cash as their just reward 
for bank incompetence.  They will say nothing.  And in Oklahoma and Nevada 
(not sure about other states) the banks don't have to keep records of which 
branch the deposit was made at.  It can just go through the bank's regional 
computer which can cover any number of branches.

The check fraud is just a way to cover yourself while the mail fraud brings 
in the cash.  If you're really ballsy you could go to the authorities 
yourself and try for a reward as CI, but it seems risky to me.
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