Has anyone else run into this Cashier Check scam where they pay you the rent with Cashier Check for a short term monthly rental and the renter finds a some part of your business name or improper spelling etc. then once you deposit it into your account like through an ATM or your phone and it credits your account but immediately after a review process rejects your check because it doesn't match the name or type of account. The business name can not go into a personal account. Then the renter finds all kinds of excuses to not correct the checks, delaying payment because they claim you have received their rent, you incorrectly deposited it is why it was rejected, and continue to stonewall you in cooperating to cancel and reissue the checks and it's a nightmare eviction, given you have checks but can't get them paid. i did the 5 day pay or quit but they refused to leave saying they had paid me the rent and it's my fault I don't reprocess the checks in this case the bank manager said they would override the problem, but they don't tell you there are still system hard edits that can not be over written which means there's still a chance it will reject again with the payee name it was rejected for once already. I believe the goal is to make you so miserable that you tell them you will forget what they owe in rent if they just leave. They have told me now, they not leaving at the end of the lease too and this is a monthly vacation rental. I have heard landlords say this is what they do, and one is an attorney, and I'm going, you're kidding, right? That's aiding and abetting a crime, which is only going to spread around to other nefarious renters to duplicate and you have a chronic spreading problem. Would you do this? I'm not going to spread this disease. I will --98.165.xx.xx

This scam was avoided. I never give keys without letting checks clear or I cash them. --47.143.xx.xx

I had been told by her bank customer service the money the check was valid. I was thinking she put a payee name on the checks that was sure to be rejected so I could gain access to the money and that is why she won't cooperate in "canceling them and reissue" the checks in the right payee name making every excuse to block doing it by saying I don't have the originals because they would be on yellow paper which I know the lady at the bank said to be too. Her going to my bank seemed odd when I gave her a copy of the letter from my bank explaining why it was rejected so she would cooperate and correct the payee name. I did arrange to meet her at her bank to see how we could fix the checks and she set the time, works nearby the bank and stood me up (no show) or call she was running late. She has obstructed fixing this at her bank were they were issued which has ledt to suspiciion she perpetrated a scam. She has been there for two months knowing I haven't gotten paid from these checks and she blames me for the way I deposited them and she says my bank will override the payee but I asked the manager if they can guarantee it won't reject again evern after an override and she said no, because the system has compliance reviews and some things are hard coded to not override and I don't think the managers are aware that can happen. So given nothing has changed on the checks, it's like why expect the checks that have not been corrected to not reject again. I have a personal account and the bank says it looks like a business name so that can't be deposted into my personal account. I have a dba but the renter only put part of the name on the check so even if I had a business account, it probably will still be rejected. I have oppened a business account and I will give that a try to see if they will go through, but if rejected again, I have to go to court and get a judgement because her time is up, but she just informed me she is not leaving for 3 more days and she seems to be comforatable with doing this. The women is a traveling temporary teacher with a supposed background clearance check 61 years old doing this scam on me. The thing is why won't she just cooperate with canceling and reissing the checks with the my correct name on it? And why didn't she contact me while at the bank to make sure who to make out these cashier checks she calls cash rent payments when their just checks that bounced due to the payee name. We have gone back and forth until I'm blue in the face and she just rejects any information I bring to the table about how the banking system works because Ihave background in it as well as I know a bit about cashiers checks too. It's been very frustrating. I called the police to report the scam and they did give me a case number, but I think they are just going to call it a civil matter as the AG has blown me off and said go hire an attorney. Your information is very helpful I'll check to see if the money is available but I have thought she will cancel the checks after she leaves. --98.165.xx.xx

I had been told by her bank customer service the money the check was valid. I was thinking she put a payee name on the checks that was sure to be rejected so I could gain access to the money and that is why she won't cooperate in "canceling them and reissue" the checks in the right payee name making every excuse to block doing it by saying I don't have the originals because they would be on yellow paper which I know the lady at the bank said to be too. Her going to my bank seemed odd when I gave her a copy of the letter from my bank explaining why it was rejected so she would cooperate and correct the payee name. I did arrange to meet her at her bank to see how we could fix the checks and she set the time, works nearby the bank and stood me up (no show) or call she was running late. She has obstructed fixing this at her bank were they were issued which has ledt to suspiciion she perpetrated a scam. She has been there for two months knowing I haven't gotten paid from these checks and she blames me for the way I deposited them and she says my bank will override the payee but I asked the manager if they can guarantee it won't reject again evern after an override and she said no, because the system has compliance reviews and some things are hard coded to not override and I don't think the managers are aware that can happen. So given nothing has changed on the checks, it's like why expect the checks that have not been corrected to not reject again. I have a personal account and the bank says it looks like a business name so that can't be deposted into my personal account. I have a dba but the renter only put part of the name on the check so even if I had a business account, it probably will still be rejected. I have oppened a business account and I will give that a try to see if they will go through, but if rejected again, I have to go to court and get a judgement because her time is up, but she just informed me she is not leaving for 3 more days and she seems to be comforatable with doing this. The women is a traveling temporary teacher with a supposed background clearance check 61 years old doing this scam on me. The thing is why won't she just cooperate with canceling and reissing the checks with the my correct name on it? And why didn't she contact me while at the bank to make sure who to make out these cashier checks she calls cash rent payments when their just checks that bounced due to the payee name. We have gone back and forth until I'm blue in the face and she just rejects any information I bring to the table about how the banking system works because Ihave background in it as well as I know a bit about cashiers checks too. It's been very frustrating. I called the police to report the scam and they did give me a case number, but I think they are just going to call it a civil matter as the AG has blown me off and said go hire an attorney. Your information is very helpful I'll check to see if the money is available but I have thought she will cancel the checks after she leaves. --98.165.xx.xx

I don't take checks, and she knew I wanted the money paid using Zelle bank-to-bank transfer, but she refused, saying she didn't have Zelle; she used something else, and I told her all banks that I know of have Zelle Money Transfer. She was in transit, and so everything had to wait until she arrived, and then she went to her bank. I guess I thought she would pay in cash, and she gave me these cashier's checks instead. It was late, and she had just signed the rental agreements, so I accepted the cashier's checks and gave her the keys. That will never happen again without the money in my account free and clear again. I do have it in my rental agreement that if the money is not posted to my account and funds made available, the rent is not paid, but I'm holding these checks while the money is at her bank that i can't access to be paid, and she stands firm, I the only reason I'm not getting paid, not her problem. --98.165.xx.xx

I don't take checks, and she knew I wanted the money paid using Zelle bank-to-bank transfer, but she refused, saying she didn't have Zelle; she used something else, and I told her all banks that I know of have Zelle Money Transfer. She was in transit, and so everything had to wait until she arrived, and then she went to her bank. I guess I thought she would pay in cash, and she gave me these cashier's checks instead. It was late, and she had just signed the rental agreements, so I accepted the cashier's checks and gave her the keys. That will never happen again without the money in my account free and clear again. I do have it in my rental agreement that if the money is not posted to my account and funds made available, the rent is not paid, but I'm holding these checks while the money is at her bank that i can't access to be paid, and she stands firm, I the only reason I'm not getting paid, not her problem. --98.165.xx.xx

Some lessons come free, some cost you money. It's the ones that cost grief that are the worst. --47.248.xxx.xxx

Maybe re-write the story and come up with something a little more believable. --47.248.xxx.xxx

--67.140.xx.xxx

What a mess. First you didn't follow your own paperwork. Second of all I would have just signed whatever what written on the check payable to and then the correct spelling or verbage and dump in night deposit. The issue is with your bank and asking the right questions. Like "how can I..." Seems your plenty frustrated with yourself. --172.59.xxx.xx

I agree it's complicated. I don't know what you mean I didn't follow my own paperwork. The problem it was rejected was she put 4 letters contained in my DBA as the payee name eg VRBO and I deposited it into my rental checking account, but it is a "Personal" checking not a "Business" checking which I don't need and it's under my Name which is how I was licensed as before I got the Dba so of course that is where I deposited them. I don't know about signing an acronym and then my name would have passed since they saw the payee as a business! I'm only upset with myself that I accepted the cashier's checks under pressure when I wanted a Zelle electronic payment, since she had driven days across the US and had signed the rental agreement to rent the property. Circumstances boxed me into a corner and she seemed trustworthy too. So I'm upset that even a 61 year old women traveling teacher can't be trusted! --98.165.xx.xx

I agree it's complicated. I don't know what you mean I didn't follow my own paperwork. The problem it was rejected was she put 4 letters contained in my DBA as the payee name eg VRBO and I deposited it into my rental checking account, but it is a "Personal" checking not a "Business" checking which I don't need and it's under my Name which is how I was licensed as before I got the Dba so of course that is where I deposited them. I don't know about signing an acronym and then my name would have passed since they saw the payee as a business! I'm only upset with myself that I accepted the cashier's checks under pressure when I wanted a Zelle electronic payment, since she had driven days across the US and had signed the rental agreement to rent the property. Circumstances boxed me into a corner and she seemed trustworthy too. So I'm upset that even a 61 year old women traveling teacher can't be trusted! --98.165.xx.xx

Please provide constructive help, I appreciate. --98.165.xx.xx

Good luck. Post more & let us know how it's going. --72.218.xx.xxx

Short term rental? dont the sheriff office just remove them for not paying like a hotel? --147.182.xxx.xx

How long has she been there? My minimum MTR stay is 1 month, typically 3 months. They ALL get background & credit checks as well as confirmation of their local employment & reference/good review from a previous MTR manager. --72.218.xx.xxx

Not all vacation rentals operate for the short term; in my state is up to 29 nights. I am what is referred to as a mid-term, I have to rent at least for 30 nights to people who need longer term stays for like traveling professionals, transition to and from, sold their home, had a divorce, get out of the cold winter, etc. I am subject to long-term tenant/landlord state laws where as the short-term one for less than 30 nights can call the police and have them escorted out. I have to follow eviction laws. --98.165.xx.xx

Not all vacation rentals operate for the short term; in my state is up to 29 nights. I am what is referred to as a mid-term, I have to rent at least for 30 nights to people who need longer term stays for like traveling professionals, transition to and from, sold their home, had a divorce, get out of the cold winter, etc. I am subject to long-term tenant/landlord state laws where as the short-term one for less than 30 nights can call the police and have them escorted out. I have to follow eviction laws. --98.165.xx.xx

I agree, they do no checking on who is booking the property and for whom little lone a background check. But hotels don't either. --98.165.xx.xx

--72.218.xx.xxx

I make better money, and at least the rent it's paid for and handled by VRBO --98.165.xx.xx

That scam has been around for decades, first with personal checks and for the last 20 years or so, with money orders There are also many places that print phony money orders and they've been around for 15+ years. File for eviction immediately. Stop breaking your own rules. If you want to own rental property and stay ahead of the games people play, hang around on this forum so you can learn from other peoples experiences and mistakes. --98.255.xx.xx

That scam has been around for decades, first with personal checks and for the last 20 years or so, with money orders There are also many places that print phony money orders and they've been around for 15+ years. File for eviction immediately. Stop breaking your own rules. If you want to own rental property and stay ahead of the games people play, hang around on this forum so you can learn from other peoples experiences and mistakes. --98.255.xx.xx

Good luck --72.218.xx.xxx

Lots of vacation rentals don't even do a rental agreement at all, and that amazes me, and how risky that is. I have run into --98.165.xx.xx

There are some small credit unions (very small) that don't have a platform to use Zelle. Why I don't know as Zelle discontinued for the most part the Zelle app itself and is doing everything through bank to bank transfers. --64.246.xxx.xx

4. Most LL's I know stopped accepting money orders 20 years ago. --98.255.xx.xx

The Branch Manager, in charge of all Tellers wanted a promotion. So the VP of that branch gave he a Bank Cellphone to personally market Mortgage's to LOW INCOME CUSTOMERS. She is a Latina that also mixed with some "other" backgrounds. The Government demanded all major banks increase lending to minorities. She had to have her "TELLER" offer loans, or applications to "Colored and Latino" potential buyers of homes. So she had a "Bank" Cellphone with access to Loan and Credit Records -- allowed to take with her so at any point she could confirm for the other Bank Employee's the possibility of giving loans to people with lower credit scores. --47.143.xx.xx

4. Most LL's I know stopped accepting money orders 20 years ago. --98.255.xx.xx

I go online and I see they have past renters showing still living at my address, so much for accruate data. --98.165.xx.xx

If the problem is that the check is made out to your business and you don't have a business account, then open a business account and deposit it there. --76.178.xxx.xxx

Wow could have a V8! For one, being forced to open another bank account just to accommodate a renters check errors is a unprofessional handling of the matter. All banks but one, said to return to notify the renter of the bounced check and have them either pay cash and return the checks to them, or have them cancel and reissue them. The fact they didn't think before entering the payee name to confirm with the landlord to whom to make the "Cashier's Check" payable? The fact the renter is refusing to cooperate even agreeing to meet me at her bank, bringing the checks for her bank to correct, and she set me up for a no-show is more the issue and why, I believe she has a game plan to scam me out of the rent. But given her stone walling me, before I go to court I did open a business account at my bank and it is still going to require the cooperation of my bank to over ride the incomplete bsiness name which can still reject again, but then I will have exhausted all possible remedies on my side if I have to sue her in small claims court or I will have the money finally. She also didn't come through with the security deposit, and she is responsible for the electric bill and that is around 300.00, which she has not paid either, and she squatted for another day after the lease ended, for which I will charge her 200.00 for the night, going Airbnb rate too. Not sure yet what condition she left the condo in, trying to be optimistic, well see. I'm not through with her! --98.165.xx.xx

Wow could have a V8! For one, being forced to open another bank account just to accommodate a renters check errors is a unprofessional handling of the matter. All banks but one, said to return to notify the renter of the bounced check and have them either pay cash and return the checks to them, or have them cancel and reissue them. The fact they didn't think before entering the payee name to confirm with the landlord to whom to make the "Cashier's Check" payable? The fact the renter is refusing to cooperate even agreeing to meet me at her bank, bringing the checks for her bank to correct, and she set me up for a no-show is more the issue and why, I believe she has a game plan to scam me out of the rent. But given her stone walling me, before I go to court I did open a business account at my bank and it is still going to require the cooperation of my bank to over ride the incomplete bsiness name which can still reject again, but then I will have exhausted all possible remedies on my side if I have to sue her in small claims court or I will have the money finally. She also didn't come through with the security deposit, and she is responsible for the electric bill and that is around 300.00, which she has not paid either, and she squatted for another day after the lease ended, for which I will charge her 200.00 for the night, going Airbnb rate too. Not sure yet what condition she left the condo in, trying to be optimistic, well see. I'm not through with her! --98.165.xx.xx

you have been had, until you understand that you wont get this resolved.she did not squat, you llowed her in the unit therefore it is not squatting.why did you give her keys? you say she didnt pay the security but you still gave her keys why? --147.182.xxx.xx

Zero, this is off topic, but look up the difference between internet and intranet. --72.135.xxx.xx

Is this site just about criticizing? Mr Ken, I have sometimes given people additional time to make the security deposit without incident or half now, the other half next paycheck. I'm sure I'm not the only one who has done this, but that is not what I posted about. I did not give her permission to extend her stay beyond the end of the fixed term. Yes, I couldn't throw her out, true, but she still meets the definition of a squatter. Ref: A squatter is a person who occupies a property without legal permission from the owner. I opened a business account, and with the help of the branch manager, we'll give it one last shot to see if I can cash these checks. If not, I have to take her to court, but collecting is another matter, and I may never see the money, but she will ruin her credit, too, which she needs for her job. Be helpful if you respond. I've gone through enough kicking myself for giving her the keys and taking cashier's checks, which are supposed to be secured funds, but apparently popular in scamming now, even the banks are careful accepting them now. --98.165.xx.xx

Is this site just about criticizing? Mr Ken, I have sometimes given people additional time to make the security deposit without incident or half now, the other half next paycheck. I'm sure I'm not the only one who has done this, but that is not what I posted about. I did not give her permission to extend her stay beyond the end of the fixed term. Yes, I couldn't throw her out, true, but she still meets the definition of a squatter. Ref: A squatter is a person who occupies a property without legal permission from the owner. I opened a business account, and with the help of the branch manager, we'll give it one last shot to see if I can cash these checks. If not, I have to take her to court, but collecting is another matter, and I may never see the money, but she will ruin her credit, too, which she needs for her job. Be helpful if you respond. I've gone through enough kicking myself for giving her the keys and taking cashier's checks, which are supposed to be secured funds, but apparently popular in scamming now, even the banks are careful accepting them now. --98.165.xx.xx

--172.59.xxx.xx

Dee, I did not see your latest post until after I had posted. Best wishes on getting it resolved with the help of the branch manager. --194.233.xx.xx

Thank you Walter, it's been the worst nightmare dealing with the women. Something is very wrong wtih her. I think she beleives her own lies. She is control freak, she pushed her way into my condo tonight to get her things and to CLEAN while not paying rent, she is crazy had to call the police to get her out and give me back the remote gate acces and key. My neighbor has become a problem getting involved with my tenant and contributing to her causing problems while I was at another rental with a new renter. Incredible. She is gone now, but is she? --98.165.xx.xx

Thank you Walter, it's been the worst nightmare dealing with the women. Something is very wrong wtih her. I think she beleives her own lies. She is control freak, she pushed her way into my condo tonight to get her things and to CLEAN while not paying rent, she is crazy had to call the police to get her out and give me back the remote gate acces and key. My neighbor has become a problem getting involved with my tenant and contributing to her causing problems while I was at another rental with a new renter. Incredible. She is gone now, but is she? --98.165.xx.xx

Best of luck dealing with this. If tenants ( or people in general,) put as much effort into just 'doing things right' instead of trying to pull one over on us, think of how much farther ahead in life they'd be. Frustrating. --72.135.xxx.xx

Ach, I didn't even see the thin blue line this time, so maybe that is a thing of the past. But, my post uploaded lickety-split. --72.135.xxx.xx

In fact, we use the credit check service thru this site. And no, I do not consider it expensive. For $25 bucks, I can do credit, eviction and criminal check. Our experience has been that most of those looking for mid term rentals are willing to pay for the checks. Sorry to hear you are going thru this experience. Good luck to you moving forward. --184.189.xx.xxx

Sounds good, but you must be renting higher-end properties that are high-dollar rentals. I have nice condos, but I'm in 55 plus community and their not easy renters, peak season I seem to fair better but even some of them are getting tired of paying hundreds on booking fees on renting through Airbnb and VRBO, but some people just beleive it's worth it as safer. I personally don't have a lot of faith that you find out peoples actually behavir as a renter until they are your tenant. No screening service is going to know what I just went through with this women. She's suppose to be a school teacher too. You just don't know, it's a tool, but most people will leave before the eviction goes to court. Leaving the owner paying the attorey fees. --98.165.xx.xx

And, in case you didn't know, Jeffrey in Va , who responded above, is kinda a big deal around here ;-) though he is very kind, and humble, and blessed! --72.135.xxx.xx

I know what I did wrong, I was so eager to be rented I let this women manipulate me into accepting cashiers checks when I wanted it remitted zelle where you know there can be no funny business, it's cash on the barrell head. I'm sure these seminars which cost money too and yes tax tax-deductible, promote using a third-party payment app, which requires you to qualify as a vendor in some cases, but it is no different than accepting a check from the renter; there are all ACH banking transactions and I've already gotten one of those, too. The payment app, after they bounced for NSF with took me over a week to be notified of, they had notified my renter too and gave them a chance to submit another payment after they just bounced for NSF, preventing me from giving a 5-day pay or quit because she submitted a payment again and essentially took rent again. I closed my account because I should have been notified and her account should have been suspended until further notice to let me decide the next steps. I've been doing this for over 40 years, I skewed up this time and I'm paying for deviating from my normal procedures. But what I was really trying to see is if anyone else has been scammed buy a renter submitting cashier's checks using the strategy to make the payee out to a bogus name so you can't get to the money? --98.165.xx.xx

Busy, Ray, Plenty, DJ, and others are gracefully giving you good guidance. I've reread this multiple times and I fail to see how the teacher scammed you. I simply see some process glitches. All of us have had them. Best of wishes with it all. --24.233.xxx.xxx

Best of luck in your future endeavors! --47.248.xxx.xxx

Best of luck in your future endeavors! --47.248.xxx.xxx

I would agree, that it's just a one off click of mis processing if she had been cooperative in the alternate process that would have remedied the situation too, but she exercised complete resistance the entire time no matter how I tried to explain to her that she could cancel the checks and reissue in the correct payee name which would then go through and pay her rent. Not difficult, but she refused and you have to ask yourself why would she not want to do the one thing that cna immediately resolve the check problem and allow me to access the funds? As it stands, the funds will soon be eligable (90 days from issue date) for her to just cancel and they will return the money to her account after she is long gone to never never land essentially getting free rent or making money from cheating me. --98.165.xx.xx

I would agree, that it's just a one off click of mis processing if she had been cooperative in the alternate process that would have remedied the situation too, but she exercised complete resistance the entire time no matter how I tried to explain to her that she could cancel the checks and reissue in the correct payee name which would then go through and pay her rent. Not difficult, but she refused and you have to ask yourself why would she not want to do the one thing that cna immediately resolve the check problem and allow me to access the funds? As it stands, the funds will soon be eligable (90 days from issue date) for her to just cancel and they will return the money to her account after she is long gone to never never land essentially getting free rent or making money from cheating me. --98.165.xx.xx

--98.165.xx.xx

--98.165.xx.xx

Keep the training under advisement. I do not get anything from suggesting it, besides knowing how much it helped me. --47.248.xxx.xxx

Yes, she used the excuse that the substitue checks I got back from the bank were because the originals are no longer available when you use electronic depositing. She said they had to be on yellow paper for her bank to accept the substitue checks, and even when I tried to educate her, she refused to cancel and reissue my checks. I think she knew that as long as she could keep me holding onto them and not do anything to cancel them, she could say the rent was paid and not be evicted. Not sure what is angle is now. I am trying to process the through my bank again, opening a business account to deposit then in and see if the partial name the bank manager did an override will be accepted. Currently, they're on Hold for 10 days; maybe it will go through now, or maybe it will be rejected again. I just don't know, but there was no need to create all this drama over it for two months. She is a drama queen. --98.165.xx.xx

Just so everyone knows, when it comes to fraud, the banks are very strict about Cashier Checks, and the least thing, they either reject or will put a hold on them, the idea their like cash only means they can't be rejected for NSF, but they can create more problems than they're worth too. I took out funds from my own account via a cashier's check to deposit into my other account at another bank across the street from each other through the teller, too, and they put a 10-day hold on a cashier's check from and to myself! My account was low, and of course why I was transferring funds, but it raised a red flag! --98.165.xx.xx