Alert 2013-24| November 12, 2013
Counterfeit Cashier's Checks: Counterfeit Cashier's Checks of Liberty Savings Bank, FSB, Saint Cloud, Minn.
Chief Executive Officers of All National Banks and Federal Savings Associations; All State Banking Authorities; Chairman, Board of Governors of the Federal Reserve System; Chairman, Federal Deposit Insurance Corporation; Conference of State Bank Supervisors; Deputy Comptrollers (Districts); Assistant Deputy Comptrollers; District Counsels; and All Examining Personnel
The above-named bank has reported that counterfeit cashier’s checks using a correct routing number of 291971391 are being presented for payment nationwide in connection with overpayment scams related to online auctions and job solicitations.
The counterfeit checks resemble the bank’s authentic items but may be identified by the following: Counterfeit items are tricolored, fading from pink, blue, and green, left to right. They contain a blurred bank logo in the upper-left corner and a dark top border with the following security statement: “TO VERIFY AUTHENTICITY, SEE REVERSE SIDE FOR DESCRIPTION OF THE 13 SECURITY FEATURES.” The items contain one authorized signature and do not include the bank’s telephone numbers of (320) 252-2841 or (888) 850-2265. Items presented to date may contain a remitter name of Rebecca Leih and be made payable for $2,480.
Recipients are contacted via email by Joshua Miles (Joshua.firstname.lastname@example.org) and later receive a check in the mail for an amount greater than what was expected. The potential victims are then instructed to immediately deposit the check into their bank account and wire the difference in funds to a third party.
For additional information and guidance and to verify the authenticity of Liberty Savings Bank, FSB’s cashier’s checks, please contact Senior Vice President/Management Robin M. Gohman at 111 7th Avenue South, Saint Cloud, MN 56301, by telephone at (320) 529-2183, by fax at (320) 252-9478, or by email at email@example.com.
Consumers who receive counterfeit or fictitious items and associated material should file complaints with the following agencies, as appropriate:
- U.S. Department of the Treasury, Office of Inspector General (OIG): by telephone at (800) 359-3898 or by visiting the OIG website.
- Federal Trade Commission (FTC): by telephone at (877) FTC-HELP or, for filing a complaint electronically, via the FTC's website.
- National Consumers League (NCL): by telephone at (202) 835-3323 or by email. To file a fraud complaint, visit the NCL fraud website.
- Better Business Bureau (BBB): The BBB system serves markets throughout Canada, Puerto Rico, and the United States and is the marketplace leader in advancing trust between businesses and consumers. The website offers contact information for local BBBs, objective reports on more than 2 million businesses, consumer scam alerts, and tips on a wide variety of topics that help consumers find trustworthy businesses and make wise purchasing decisions.
- Federal Bureau of Investigation Internet Crime Complaint Center (to report scams that may have originated via the internet).
- If correspondence is received via the U.S. Postal Service, contact the U.S. Postal Inspection Service by telephone at (888) 877-7644; by mail at U.S. Postal Inspection Service, Office of Inspector General, Operations Support Group, 222 S. Riverside Plaza, Suite 1250, Chicago, IL 60606-6100; or via the online complaint form.
Additional information concerning this matter that should be brought to the attention of the Office of the Comptroller of the Currency (OCC) may be forwarded to
Office of the Comptroller of the Currency
Special Supervision Division
400 7th St. SW, Suite 3E-218; MS 8E-12
Washington, DC 20219
Phone: (202) 649-6450
Fax: (571) 293-4925
For additional information regarding other types of financial fraud, please visit the OCC's anti-fraud resources page.
Ellen M. Warwick
Director for Enforcement and Compliance