What to do if someone cashes a check that was made out to me?

As you already know, when you are a victim of theft you must take some measures, but if what has been stolen is a checkbook or a check, the procedure to follow may be a little different. if you have wondered What to do if someone cashes a check that was made out to me? stay with us, then we will explain it to you.

The process to handle the cashing of a check that was not yours, It will depend on whether you are the beneficiary or the payer. Yes you wrote the check, then you should contact your bank and the police for identity theft. If someone else wrote the check to you but you didn’t cash it yourself, then you’ll need to contact the check writer to track it down and hopefully they’ll reissue you another once their investigation is complete.

Whether it is a stolen checkbook or a lost check, you may need to know the steps to take to recover funds that have been fraudulently taken from you.

Contact your bank to report fraud

You may be involved in a situation where you have lost your checkbook in the mail and it has been stolen or where you have written a check payable to a specific person and someone unauthorized has cashed it. In these check fraud cases, you should call your bank and speak to the fraud and theft department. Normally, they reimburse you for stolen funds.

What to do if someone cashes a check that was made out to me?

When you talk to them, you need to take some actions regarding their account. First, provide information about the checks that appear in your account and that you did not write personally so that they can take note and do an investigation about who cashed them. Second, state that you want to prevent further checks from being processed, in case more have been stolen.

Even if your bank doesn’t suggest it, consider closing your checking account and open a new account for added security. Keep in mind that you must inform people or companies that use your bank account to pay bills or send you payments. This includes any direct deposit from your employer, automatic bill payments from utility companies, credit card companies, and more.

Notification to local authorities

Whether you are the payer or payee of the check, you should contact your local police department. Cashing a check by an unauthorized person is a form of identity theft and the bank or check writer may request this notification as part of the fraud reporting process.

To make your notification to the police, you must be prepared with your latest account statements that reflect checks that have been cashed fraudulently or that prove the check was mailed to you.

Request a copy of the police report in case your bank or the issuer of the check asks you as part of the procedure.

Keep reading: How serious is credit card fraud and identity theft?

Inform the check writer

Yes someone cashed a check that was made out to you, you should contact the check writer directly, in addition to contacting the police. For example, you will contact the Internal Revenue Service to file an identity theft affidavit for a stolen government check. They will then conduct an investigation and reissue the check as soon as they can verify that fraud has occurred. In the case of a stolen paycheck, you can contact your employer and find out what policies they have; the bank, rather than your employer, could end up handling the situation.

Keep reading: How to report fraud to the IRS?

What to do if someone cashes a check that was in my name (Prevention in the future)

To avoid the unpleasant situation of check theft, it is important to take some preventive measures if you get paid with paper checks very frequently. For example, you should tell your bank as soon as you’ve lost a check or checkbook; this way they can stop check payments on your account.

If they offer you this option, tell your bank that you’ll be picking up your checks in person and avoid the mail altogether. Too set up transaction alerts to monitor the movement of funds in your account.

To prevent loss or theft of paper checks, consider make direct deposits whenever possible. Not only can this prevent checks from being cashed by the wrong person, but it will make it easier for you than having to visit the bank or upload checks to the mobile app to cash them. The use of electronic funds transfersInstead of writing paper checks, you can also reduce the risk of checks falling into the wrong hands.

Keep reading: How to block my credit to avoid fraud

What to do if someone cashes a check that was made out to me: Conclusions

Before your question “what to do if someone cashes a check that was in my name” remember that the most important thing is prevention. You can follow the steps outlined above if a check or checkbook is stolen, but taking the right preventive measures will save you a lot of headaches.

Keep reading: