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12/16 15:55
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Check Washing Overview: Check washing is a method where criminals steal checks from mailboxes and use household chemicals to erase original information, replacing it with false details to cash them. This scheme has seen a significant increase since 2021, with cases nearly doubling, according to the FBI's Internet Crime Complaint Center.
Financial Impact: The U.S. Postal Inspection Service reports that over $1 billion in fraudulent checks and money orders are intercepted annually. This trend is expected to worsen through 2025, as criminals adapt their tactics.
Case Examples: Victims have faced substantial losses due to check washing. For instance, Carol Perlman mailed a $656 check that was altered to $9,000, while Matt Schick lost $7,500 from a contractor's payment. Entrepreneur Steve discovered that his $310,000 IRS payment was stolen after being chemically altered.
Challenges in Recovery: While some victims manage to recover their funds, many endure lengthy processes filled with uncertainty, highlighting the difficulties in addressing such fraud.
Mailing Practices: To safeguard against check washing, it is recommended to avoid outdoor mailboxes and use post offices for sending important documents. Regularly checking mail and utilizing USPS hold-mail services during absences can also help.
Writing Techniques: Using gel or rollerball pens with permanent ink can make alterations more difficult. Completing all fields on checks and using security envelopes can further protect against theft.
Digital Alternatives: Embracing digital payment options, such as bank bill-pay systems or mobile apps, can reduce reliance on paper checks, which are more vulnerable to fraud.
Monitoring Accounts: Regularly checking bank accounts and setting up transaction alerts can help detect fraud early. Immediate action should be taken by contacting banks, local police, and the U.S. Postal Inspection Service if victimized.
