Like a total idiot, I got scammed on Craigslist. They sent me a cashiers check that included extra $$ and asked me to send it via Zelle to the “movers” to pay to move the futon I was trying to sell. Of course, I didn’t look it up until after I’d confirmed the Zelle payment, but now I’m absolutely sure this check is going to bounce in a week or so (it’s showing that it cleared in my bank account now, but I don’t trust that). I called my bank & the Zelle fraud hotline and filed a claim to try and get my money back, but since I initiated the charge it seems unlikely. I’ve made a transfer from my savings account at a different bank to cover the Zelle payment for when the check money inevitably disappears from my account and I don’t have the funds to cover the pending Zelle transaction, but it won’t hit my account until Monday. I didn’t freeze the account because I need to use it and I gave them zero personal information other than my name and address. I did look up the bank from the check and it seems real, but afraid of calling them in case it messes with my Zelle claim (and probably they couldn’t do anything anyway).
Do I have any other options here? Did I cover all of my bases? Also called the 311 identity fraud hotline who basically said I was fine since they didn’t have personal info, and the police, who said since these are almost impossible to track there’s not much they can do. Just want to make sure there’s nothing else I could/should be doing (other than cursing myself so being so stupid!!).
Submitted December 12, 2020 at 05:47PM by PuzzleheadedGarden63 https://ift.tt/347pQKx
