I received an e-mail from a company named Alternative Soft Pro offering me a work from home job opportunity. The job entailed receiving checks in the mail, cashing them, deducting a 10% commission and then transferring the funds.
On march 7th I received the first check from Alternative Soft Pro in the mail which I deposited into my personal account the very next day, March 8th. The check cleared on March 10th after which I made a withdrawal at my bank and later a wire transfer through Western Union.
On march 11th, there was a hold put on the check and my account showed a negative balance equal to the amount I had withdrawn and transferred. As it stands, I owe the bank $2000 because someone allowed the funds to be available.
The way checks work is that when a check is deposited, the bank that receives it sends information to the Federal Reserve which then sends the check's information to the bank the check was drawn on asking them whether or not to clear the check.
I am a recent college graduate who was so desperate for money that I fell for this scam; however, someone allowed the funds to become available and as far as I am concerned if I check clears and the funds are available then all is well. Unfortunately that was not the case.
Don't banks have fraud insurance and fraud protection against these types of scams? I don't have $2000 to pay the bank back, I cannot take the hit but a bank can. What will become of me if I end up having to pay my bank the money back?
Yassine
Amherst, Massachusetts
U.S.A.
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