• Tax season — time to steal your refunds!

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    #2653173

    ISSUE 21.13 • 2024-03-25 ON SECURITY By Susan Bradley If you live in the United States, the ideal time to steal items from a mailbox is from early Mar
    [See the full post at: Tax season — time to steal your refunds!]

    Susan Bradley Patch Lady/Prudent patcher

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    • #2653174

      Americans lose millions of dollars to online tax scams, McAfee study reveals

      As tax season reaches its peak, a new study by McAfee sheds light on the alarming rise of online tax scams in the US. The 2024 Tax Scams Study, which surveyed 2,500 American adults, reveals that a staggering 25% have fallen victim to these scams, with losses running into thousands and even tens of thousands of dollars.

      The study highlights the growing sophistication of cybercriminals who are now leveraging artificial intelligence to craft more convincing scams. AI-powered messages, deepfake videos, and AI-generated audio are becoming increasingly common tools in the scammer’s arsenal. Despite these advancements, the study found that less than half of Americans feel confident in their ability to spot such fraudulent content.

      One of the most concerning findings is that 68% of those who clicked on fraudulent links from supposed tax services lost money. Among these victims, 29% lost more than $2,500, and 17% lost more than $10,000. The situation is even grimmer for those who fell for cryptocurrency tax-related scams, with 76% losing money and a significant portion losing substantial amounts…

    • #2653178

      Have been doing direct deposit for years with no issues.

       

    • #2653205

      As for the mail, I’ve used Informed Delivery at the USPS for years.  Not exactly sure of it’s utility, though.  Last month I was to receive a sizeable paper check.  USPS scanned it and showed it out for delivery.  Never showed up.  I ticked their little online box saying ‘not delivered’.  Crickets.  EIGHT days later the check finally showed up — no explanations!

    • #2653215

      this is a fantastic article. Keep up the EXCELLENT work !

    • #2653217

      Wow. I always think tax-people are from another planet. The IRS seems to be from another century?

      • #2653374

        Ergo why the budget request was put in place.

        Susan Bradley Patch Lady/Prudent patcher

    • #2653222

      Again, thanks, and QUESTION
      I went to the FREE public letter (I have paid subscrition, but wanted to post the free public link in facebook, to our community homeowner association.)
      facebook shows “403 forbidden” as the link.
      is there any way to share this link? if not, no problem, and htanks, but i believe the free version of this, to our homeowner residents, would be educational
      thanks

      • #2653371

        https://www.askwoody.com/newsletter/free-edition-tax-season-time-to-steal-your-refunds/ you can access it there.  What do you mean via Facebook?

        Susan Bradley Patch Lady/Prudent patcher

        • #2653376

          if i enter that link, in a post i create, in facebook, i get a n error, flags as forbidden….   see attached, thanks

          • #2653394

            Are you using a VPN while you are posting to Facebook?

            Susan Bradley Patch Lady/Prudent patcher

            • #2653404

              no, i just go to myself in facebook, it asks me “what do you want to post”, i copy the link from the web browser (after i clicked on it form your link), i paste the text, and it gives me that error.

              that is th same way i put other links in (news links, etc), and they post with no error.

            • #2653469

              OH!!!! I know why.  The other day when Facebook did a denial of service on us when they came back on line we put in a web hoster blocker so that facebook can’t DOS us again.  Just put the link — it will actually work.  Sorry about forgetting what we had to do.

              Susan Bradley Patch Lady/Prudent patcher

            • #2653471

              the only problem  is that if “403 forbidden” shows, and i’m posting something about security,  then that doesn’t look too good   🙁

            • #2653503

              Remove the thumbnail and leave the url.  After our Facebook overlords nearly took us down the other day… I’ll check with the hoster and see if we can come up with something in the meantime.

              Susan Bradley Patch Lady/Prudent patcher

            • #2654723

              OK, I FINALLLY got it to work.  I entered the text of url (multiple times….),  amazon kept putting the icon/image in there, i kept “X”‘ing it out, and finally it stayed as the TEXT link and no icon/image.

              thanks !

    • #2653229

      I know it has been mentioned before but get an IRS PIN and e-file. And you also get your refund within a week. LOL my son filed using the new IRS filing system and had his refund within an hour of filing.

      I am very frustrated that banks and insurers use USPS for certain notifications. And a new credit card always comes via USPS. Informed delivery is helpful. If I know something is coming I can check in the morning to see what mail is coming and then keep an eye out for the delivery vehicle.

      I always mail the one or two checks I send out a year in the post office.

    • #2653185

      It’s hard to believe anyone would want a refund by mail. Direct deposit is more secure and faster. It’s also hard to believe McAfee is doing anything other than trying to scare up a few more customers.

    • #2653263

      I’ve been e-filing since e-filing became a thing, with direct deposit of my return.

      Always create a fresh drive image before making system changes/Windows updates; you may need to start over!
      We all have our own reasons for doing the things that we do with our systems; we don't need anyone's approval, and we don't all have to do the same things.
      We were all once "Average Users".

    • #2653265

      No mention has been made about USPS drop boxes. Wouldn’t they be a more secure for outgoing mail than your personal mailbox?

    • #2653281

      There’s more:

      1) During the COVID quarantine I had to temporarily move to a relative’s house so used the Post Office mail forward service. Fortunately, I also had “What’s in the Mail” service and soon discovered all of my “financial” type mail was disappearing. I reported it in “missing mail” and to the Postmaster General and the FBI.

      2) I have had several Certified Mails disappear over the years. One lady in the Post Office line was yelling at the clerk because her important Certified Mail was still missing after 7 weeks. I would suggest using “Registered Mail” as they seal it at the post office, and I think it travels in a padlocked box but does cost more.

      3) Your local sorter and delivery carrier can be a weak link. I have had many truly wonderful delivery carriers that always recheck the address before placing the mail in the box, but one time we had one sorter or carrier that apparently could not read numbers so placed every piece of mail in the area one number address off by one. Honest neighbors return the mail but a few might either throw it away or open it to see what the neighbor is getting in the mail.

      1 user thanked author for this post.
      L95
      • #2653290

        I routinely get mail addressed to my next door neighbors.  I always make a point to walk it over to them that same day and give it to them personally instead of placing it in their mailbox or marking it as “Wrong Delivery” and letting the Post Office deal with it.  Hopefully they will reciprocate when they receive my mail.

        Finally, I became so disgusted by the frequency of these occurrences that I made a point to hand the wrongly-delivered mail to the carrier and point out in no uncertain terms that these pieces of mail had been delivered to me in error.

        It took all my self-control to suppress the reflex to inquire of the carrier whether or not they knew how to read!

        • #2653427

          At least you had the decency to try to return the mail or get it to the right person. A neighbor of ours routinely had her mail delivered to a house with the same number – different street. When she finally tried to track down a missing package and went to that house, the homeowner handed her the package along with a bag of mail that had been miss delivered. No attempt to correct the situation or return it to the PO. Just kept it! What the heck???

          1 user thanked author for this post.
    • #2653289

      USPS drop boxes. Wouldn’t they be a more secure for outgoing mail than your personal mailbox?

      Not if you use it after the daytime pick up. I have seen boxes that must have been pried open with a crowbar overnight. I guess for that reason or cost savings those blue stand alone boxes are a mostly extinct animal in my area.

      • #2653492

        Also the fact that people send much less “snail mail” these days (probably the chief reason IMO).  And also — I believe — there are fewer postal workers to pick it up.

    • #2653308

      Timely reminder. Thank you for this today!

    • #2653318

      Very timely and on target. Many of us have the huge apartment/complex mail boxes and a door detector will only show that the mail person opened the front not that S/he deposited mail in your individual box, if the box is close enough to your apartment for the signal to reach (less than 300 ft.) You have shown some resources for further investigation.
      Thank You for this News Letter. I read every one.

      Carl

    • #2653321

      It’s so bad the corner mail boxes are disappearing. I take my letters with checks and deposit them INSIDE the post office not even the outside drive up ones which are getting broke into at night.   The safest way is you shouldn’t be getting a refund.  The other year we had 8.7 %  inflation.   When i write a check I use the Uni-Ball Signo 207 anti fraud gel pen.  The  check thieves can’t wash the check.

    • #2653324

      I take my letters with checks and deposit them INSIDE the post office not even the outside drive up ones which are getting broke into at night.

      That just happened in the town next to me, where a cop happened to be sitting in the parking lot of a drive-through drop-off box, and saw someone break into the box and take off. They did not catch them. I USED TO drop my one monthly physical check off there.  😊

    • #2653329

      Thanks for this article!  I’m bookmarking it for future use.  The section on pens for check writing was very userful.  May I recommend the Pentel EnerGel BLP77-A?  I don’t know how it stacks up against the Uniball Signo, but it uses a good quality permanent ink, and I’ve found it to be great for signing checks and documents – dries quickly, locks into the paper, and doesn’t smear.

    • #2653335

      Thanks for a timely reminder.

      I’ve switched all of our financial statements to electronic delivery because of concerns about mail delivery. Mail delivery time is unpredictable at our house. It’s anywhere between 3 p.m. and 8 p.m. with delivery after 7 p.m. not unusual. It’s hard to march out to check the mailbox more than once on a cold, windy, dark winter night.

      For federal income tax, for years we’ve filed electronically and received a refund –or made a payment– electronically. I wish it were easier to file electronically for state income tax. There’s an additional cost (for us) to file electronically, and it’s impossible to do so some years because of one “not typical” form that doesn’t change how much we owe.

    • #2653344

      QUOTE:
      “If you plan to mail something sensitive to a government agency, do so the old-fashioned way — mail it certified with a return receipt. It is the ultimate way to receive verification of delivery and provides undeniable proof that you sent the item and that it was received by the addressee. You’ll need to visit the post office in order to obtain the needed postcard . . . ”

      Susan,

      As usual, great suggestions. I agree with every one of them . . . save one. That is one where you suggest the use of USPS Certified Mail. The USPS does NOT guarantee delivery of Certified Mail! Ask your postmaster, not the desk clerk, as they may not know. I learned that the hard way years ago when I sent a legal document using CM with a Return Receipt. After receiving notification from the opposing attorney that my response was never received, I contacted the Postmaster of the PO where I sent the letter displaying my paid receipt. He said that the letter had been lost. He very clearly told me that the USPS does NOT guarantee delivery of Certified Mail. I then asked; “Then just what service am I receiving when I purchase CM Delivery?” I had to really press him for his answer, which, after a long pause, was; “Nothing, I guess.”

      Another failure of CM, is, in the past twenty or so years, I have had a number CM letters, along with the attached Return Receipt card placed directly into my PO Box. (My guess is that you, too, have had this experience.) Of course, in each case, I marched directly to the PO Desk and delivered the signed Return Receipt card to the clerk. Yeah, right! So much for proof of delivery for the sender.

      Fortunately, there is another option, USPS Registered Mail. Expensive and the PO employees hate it because every person that touches that piece of mail is required to sign for it and every night that piece of mail must be stored under lock and key . . . and delivery IS guaranteed! That is the only delivery method that I will use for mailing anything to the IRS. Yes, there are other delivery methods, Fedex and UPS. I have accounts with both, and use them both weekly, but USPS REGISTERED Mail is more secure than either of them.

      Anyway, I had to mention this. As I mentioned, check it out with the Postmaster.

      Keep up the good work. I have been a subscriber since the beginning with Woody and Fred and wouldn’t be without it and recommend it to any serious computer person.

      Thanks!

      Montana Bob

      1 user thanked author for this post.
      L95
      • #2653366

        In the CPA biz it’s a legal document that indicates that the document was delivered to the IRS.  So if we’re sending in a form and the IRS says “we didn’t get it timely” we can go … hang on we have proof.

        It’s not a “guarantee” per se, but it IS a legal document that verifies that something was sent and handed off to the post office timely.

        That’s what I was referring to.

        Susan Bradley Patch Lady/Prudent patcher

    • #2653341

      As a veteran check writer, I found this article very valuable. I’ve long had my refund checks automatically deposited to my bank account. But what I most appreciate about your article is that you describe the proper way to write a check, which is to completely fill up the lines on which the payee’s name is written, as well as the amounts in written and numeric form. I’ve had outgoing mail stolen from my mailbox, so my carrier told me not to put the red flag up when I have outgoing mail. Instead, he promised to check for outgoing mail whether he has any incoming mail to put in the box or not. I also want to thank you for including the link for signing up with the post office for “informed mail delivery.” I have long wanted to do this, but didn’t know how — or what it was called. Thanks to this article, I am now signed up for the USPS Informed Delivery service!

    • #2653431

      Susan,
      My Mom came up with a great low tech solution 40 years ago…..
      No battery, no PC…All you need is a window to see if the mailman has come.
      A golfball, a couple nuts, washers and the U shaped bolt (I think that one used to hold the antenna mast to the side of the house) and a piece of string.
      Kevin

      5 users thanked author for this post.
    • #2653461

      I can hear the little mail truck that comes around to my mailbox because its exhaust system is just loud enough to make it heard.  If the USPD gives in to pressure to go with electric mail delivery vehicles, I won’t have that nice convenience.

      Being 20 something in the 70's was so much better than being 70 something in the insane 20's
      1 user thanked author for this post.
      PL1
    • #2653485

      I don’t write a lot of paper checks. Occasionally, I need one. My stock had run low so I ordered a new box of checks through my bank’s website. I promptly forgot about the order, thinking I would receive the checks in a week or ten days.

      I never received the checks. About three weeks later, checks started clearing my account with numbers in the range of the new checks ordered. All were written for amounts less than $500, probably because anything over $499 is a felony in my state.

      There was no indication that the mailbox (one of those kiosks at the end of the block) had been jimmied. The checks simply never arrived from the printing company.

      While I was ultimately reimbursed by the bank, the theft created huge administrative hassles. A stop-pay was placed on all 200 checks that had been included in the new order. I had to monitor the old account daily until all outstanding payments had cleared. The old account was then closed. I had to open a new checking account and notify all entities (including the IRS) performing direct deposits or withdrawals that my account information had changed.

      Who stole the checks, or how they were stolen, has never been determined. I do everything electronically with the IRS, but theft of physical checks compromised that payment method. My guesses (completely unprovable) are (a) the checks were delivered to an unscrupulous neighbor’s mailbox; (b) the checks were stolen by the letter carrier or another postal employee; or (c) the checks were stolen at the printing company before mailing.

      I still have an occasional need for paper checks. Absent the ability physically to pick them up at the printing company, I have no idea how to prevent this kind of theft in the future.

      1 user thanked author for this post.
      • #2654084

        paper checks –

        i use quicken (used to use quickbooks), and a separate program called CheckMagic.  it allows PRINTING of checks, onto blank CHECK paper .  it links to quicken or quickbooks.

        that way i don’t order checks, i just order the special blank check paper (same type businesses use), and just print the checks as i need them (I do that very infrequently any more).

        ive been doing this for over 10 years, inkjet printer, don’t need magnetic ink, etc.

        • #2654348

          Checkmagic sounds like a good product. Software costs ~$20, blank check stock costs ~$16 for 500 personal-sized checks. Only two problems for me: (1) I wrote only 37 paper checks last year, and (2) I’m trying to migrate from Quicken to either Moneydance or KMyMoney. I think Checkmagic would be a good value if you planned to stay with an old version of Quicken. My concern is that one of these days Microsoft will push an update that will break 32-bit versions of Quicken. That would put Checkmagic out of business and leave Quicken users high-and-dry.

          • #2656986

            there is another way.  you could create a template in microsoft word or excel, for the layout of a paper check.  (I have done this with depost slips so far, was working on checks, may go back to finish it)

            THE MAIN THING you need is the MICR font, that is used by the banks for account numbers, etc.

            in CheckMagic, that font is included in the printer setup, so i have access to it.

            but, example, the deposit slip,  i could just fill in hte info manually, take it to bank (when i was in business), and that printout was acceptable, and readable, by their machines (no different than CheckMagic/Quicken combo printing it

             

    • #2653488

      On a related note, one thing that amazes me is that every US Social Security recipient receives an annual 1099 in the USPS mail, that includes the FULL Social Security number (i.e., no digits masked).  And you cannot opt out of this mailed 1099, even if you have set up an online account with the Social Security Administration, and access all your other SS statements and notices online.  To make matters worse, it isn’t even sent in an envelope.  Instead, it’s sent as one of those thin-paper, tear-prone, multi-page fold-over jobs with perforations on the side.   And of course it shows the recipient’s name, address and how much Social Security they received in the prior year.  What an invitation to identity theft or scams!

      2 users thanked author for this post.
    • #2653504

      On a related note, one thing that amazes me is that every US Social Security recipient receives an annual 1099 in the USPS mail, that includes the FULL Social Security number

      I remember the days when you had to include your Social, License and Address on all personal checks. Talk about an invitation to steal. I also once had a bank that mailed my bank statements to me with my social showing up through the window of the envelope. I complained to no avail.

    • #2653506

      or (c) the checks were stolen at the printing company before mailing.

      I was a victim of credit card fraud. Similar to you, I applied for a Discover card by mail. I never received the card. Then, a couple of weeks later, I get a call from the Discover fraud department asking if I approved of a purchase. The guy was adamant it was me making the purchase, even though it was in person in another state WHILE he was taking to me on the phone.

      Bottom line, the belief was that it was an inside job, but it had to be reported to the US Postal service  so that THEY could go after the Discover employee, since they were afraid to accuse or investigate one of their own.

      Of course, the bad actors had everything on my application, including my Social and my Mother’s maiden name. So, I changed my address and zip to a PO Box twice in one year, since it was the only piece of information I could change. This worked.

      1 user thanked author for this post.
    • #2653583

      The USPS does NOT guarantee delivery of Certified Mail! Ask your postmaster, not the desk clerk, as they may not know.

      I’ve had similar experiences with certified mail as other people have had, as noted above.   I’ve had several instances of where I mailed something certified and it didn’t get delivered.  However,   I’ve used certified mail for my tax returns for about 20 years,  and those have always been delivered.  I’m not sure why,  but I’m speculating that maybe the USPS personnel treat tax returns with more caution.  In the above-quoted article, Montana Bob says he uses registered mail for tax returns.  However, it appears that registered mail might be slow.  The website stamps.com says  that because of the security precautions “it may take 10–14 days for your shipment to arrive at its destination”.  An alternative might be “Priority Mail Express”.  While it apparently is not as secure as registered mail,  I myself have had good luck with Priority Mail Express;  I’ve mailed several envelopes in the past using this method and they’ve always been delivered.   The stamps.com website says this about Priority Mail Express:  “USPS Priority Mail Express is a guaranteed way to send documents and packages to a destination overnight or in one to two days on any day of the year, including Sundays and holidays. If the US Postal Service doesn’t deliver your package on time, they will refund the full delivery cost to you.”.  A drawback is the cost;  it looks like it costs about $30 to mail an envelope at current rates.  Here are a couple of links for further reading:  (1) A link to the stamps.com article is at https://www.stamps.com/usps/express-mail/  ,  and (2) a link to the USPS article is at https://www.usps.com/ship/priority-mail-express.htm .  If anyone has experience using Priority Mail Express to mail tax returns to the IRS,  I’d be interested in reading their posting on this website.

       

      • #2656308

        Priority Mail w/o the express is also good, big stiff envelope, does not go thru the same sorting process as first class envelopes.

        And a bit of advice don’t mail important things in rainy weather, a bit of damp causes jams in mail processing equipment. Not good for your envelope.🌧🐌📮🗳😥

        🍻

        Just because you don't know where you are going doesn't mean any road will get you there.
    • #2653666

      I have avoided this problem for years.

      I go to H&R Block and talk to my tax preparer in person, deliver my tax documents right then and there  to him.

      He does my taxes in front of me and I get the refund directly deposited to my bank account.

      That way I know that any other talk or threats about my tax return is BS and to be ignored.

      The same way I ignore any of the spammers and scammers

      Like about the problems with my nonexistent Crypto, Lowes, Best Buy, or my Amazon, Comcast, Xfinity and other accounts that I might have, as well as threats for jail for missing court as a juror, that I can Ha, Ha, Chuckle, Chuckle, pay with an Apple I Tunes Card.

      Like seriously i still can’t believe any ever falls for that BS.

      If some pulls any of the we need your info to prove XYZ and others.

      I just say, “you called me, you already have the data.”

      It is not up to me to prove anythng to you at all

      “Its up to You to prove who you are, by giving Me the ID Info.”

      “If you don’t or can’t we are done GOODBYE!”

      I also use Norton to keep an eye on my ID.

      They noticed this year that an old password and a website I used Looong Ago

      Was on the Dark Web as well as sigh my current email, so now I get over 100 Spam/Scam emails a day (Sigh)

      But My Spam box is getting better at detecting them day by day.

       

      • #2654523

        Concerning the spamming – I always notice a large increase in spam right after I give my email address to someplace that promises not to sell it.  Recently this has included health care centers!  It was a big mistake signing into Walmart’s website once – I got clobbered with spam for months.

        Don’t Phall for Phishing.

        Being 20 something in the 70's was so much better than being 70 something in the insane 20's
        1 user thanked author for this post.
        PL1
    • #2653897

      Hi Sue,

      I’ve been using the USPS Informed Delivery and the Uniball 207 pens for years. Excellent advice! Also, if you have a mailbox slot in your door or house wall a security camera can alert you a person seen, and you see the mail person delivering.

      Thank you!

      Rich

    • #2654507

      I use checks that I get from my bank and write them out with the Uniball 207 pen.  I don’t sign my signature with the Uniball pen though, I sign it with a regular ball point pen.  If someone tries to wipe the check, the signature will be sure to go, but hopefully nothing else.

      Being 20 something in the 70's was so much better than being 70 something in the insane 20's
      2 users thanked author for this post.
    • #2654597

      Perhaps veering slightly off-topic, what about using Ironvest to mask your email and credit card number when purchasing online? I stumbled across this article that discusses “10 Essential Apps for Ironclad Online Privacy.” It is not my intention to hijack the thread, but it seems to me that the answers to some of the problems raised (spam, stolen identities) might be found in some of the programs referenced in the article. The list contains two Norton (Symantec) products that I would exclude, simply because I refuse to buy Norton products. As for the rest, do you trust them? If you subscribed to all of them it would cost at least $350 per year. Worth it? Is there such a thing as “ironclad privacy” on the internet? Anyone have experience with Ironvest or similar products?

      • #2654704

        You can be as careful as you wish but you cannot eliminate the identity theft issues created by data breaches.  They screwed up and we have to clean up the mess, if possible.  And it doesn’t seem like there are any real consequences for anyone except the victimized consumers.

        2 users thanked author for this post.
    • #2654722

      if you want to try and make a difference with the difficulties the consumers (YOU and I) face – start writing to your state house of representatives.

      our local representative advertised a program on “Identity theft”.  had some basic info, etc.  BUT, when i saw this ad, i started writing to the representative, about the difficulties of fixing the I.D. issues, credit reports not being available, etc, and they have actually started to look into some of the issues.  Will it accomplish a lot?? I’m not sure.  BUT, i believe that it will take some legislation to FIX some of these issues, for consumer protection in view of multiple breches, etc.

    • #2654728

      USPS has become extremely unreliable for me in recent years. Mail is no longer delivered daily and I frequently receive mail addressed to others in the city, no where near the neighborhood I live in. My neighbors and others I know throughout the city share the same experience 🙁

      For anything important that I can’t transact online, I’ve been using FedEx/UPS/DHL.

    • #2657210

      The Post Office can’t be bothered to deliver to my zip code at all. Amazon, UPS, Fedex, etc., no problem. Pizza Hut, Domino’s, why of course! Uber Eats, Grubhub, also yes. Supposedly the local grocery store also delivers, though I have never tried it. The Post Office, though? They can hardly conceal their laughter, I bet.

      Dell XPS 13/9310, i5-1135G7/16GB, KDE Neon 6.2
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      • #2657367

        If you haven’t already done it, contact your local Postmaster in charge of your zip code and if that doesn’t work, contact your Federal Senator.  Tell them about this, it’s not right that you don’t get postal delivery.

        Being 20 something in the 70's was so much better than being 70 something in the insane 20's
        2 users thanked author for this post.
        • #2657384

          …contact your local Postmaster in charge of your zip code…

          VERY good statement! Many folks don’t know that there are many zip codes whose postmaster is actually in another (but nearby) zip code! There isn’t always a postmaster in a given Post Office.

    • #2657653

      Susan Bradley wrote a nice article. but it doesn’t matter what color or type of ink that you use, because it all depends on whether the bank teller is paying attention when a stolen check is presented for payment. In addition to the ink that Susan recommended, I use an old fashioned F&E Check Protector, which punches lots of small prick holes in the ‘Pay to the Order of’ and ‘Dollars’ iines on a check, plus prints below the ‘Dollars’ line the exact amount of the check.

      But I have had checks stolen, where although the ‘Pay to’ and ‘Dollars’ entries were overwritten, the original amount of my check was still clearly shown in what was imprinted below the ‘Dollars’ line. The bank cashed them anyway, because the teller was not paying attention.

      One suggestion that I have not seen mentioned above is to have your bank (if they offer it) send you an email each time a check is cashed for more than am amount that you set. That email includes the check number, and the amount it was cashed for. If that doesn’t match the amount you wrote it for, then I can open up my account on their website, and view the actual check. And then every few days I log onto my account to see what checks have cleared. If a check has not cleared within what I assume is a reasonable period, I call the recipient. If they have not received the check, I put a 6 month Stop Order on it. At my bank, if I maintain an amount above a certain $ value in my checking account, there is no charge for the Stop Order. But this is all a hassle. Even giving the mail to the local carrier is not foolproof. The last 5 checks I had stolen WERE given as a group directly to a mail carrier. I contacted the Post Office Fraud Division and filed a report, and also called the local police dept (who never bothered to come see me).

      Harry

      • #2673283

        it all depends on whether the bank teller is paying attention when a stolen check is presented for payment.

        Bank teller? I have not seen a real teller in a real teller cage since maybe 1985. What is your bank? I’d like to move my account there!

    • #2658432

      You can get a locking mail box.  One of my neighbors has one.  It’s pretty substantial and anchored in concrete.

      You can get a post office box but it’s getting a bit expensive.  A mi-sized box cost me $204 for a year last time I renewed.  I send all packages there and never have a lost/stolen package.  No junk mail either.

      You can send mail to your office.

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    Reply To: Tax season — time to steal your refunds!

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