/biz/ - Business & Finance

KYS phoneposting niggerfaggot

>>50688010
This is a man.

>>50688010
you're getting nigerian prince scammed irl you retarded faggot zoomer go back
>go back

You should do the right thing anon...

>>50688040
I didn’t give him any money or anything.

>>50688010
Repent now niggers

>>50688081
this
>>50688010
give him his $20 back and apologize for wasting his time

>>50688109
I wouldn’t apologize I would just go ahead and give him all his rightful money and of course keep the $20

Bump

Here's how this scam works
>Money is stolen
>Money is given to idiot (you)
>Money is last shown being in your account
>Money is converted to cash/bitcoin/etc from your bank account
>Scammer takes the newly "clean" money back
>Bank comes knocking on your door a few weeks later, demanding repayment resulting in extreme loss of savings/overdraft/etc
Unlikely you met him at a bus station. On the off chance this is a legit desperate person, you should be ashamed for genuinely wanting to do this. We all have passing thoughts of sin, and that's all they should be; passing thoughts. If being a bad person isn't enough for you, you would definitely go to jail for this. You really got yourself into a retarded situation. I can't imagine the kind of person that lets someone random, shoddy looking stranger dump 4 grand into their account no questions asked.

you getting scammed moron
the check is going to eventually bounce
it usually takes 3-5 days for checks to clear and they only deposit it early for convenience since youre a loyal customer

>>50688010
Idiot, the check will bounce after he collects his $3500 or you'll ghost him, spend that $3500, then it'll bounce and the bank will hound you for their money back with added fees. Either way, don't trust this, people don't just go to randoms to cash a several thousand dollar check.

it's over

>>50688064
>deposited a check
>he has your bank account number and routing number
lmao

>>50688064
Because the check will bounce AFTER you give the money or spend it, even if you don't spend it, you'll be charged for cashing in a bouncing check

>>50688010

you're getting scammed

there's nothing wrong with stealing from a thief, with that said, the money is your bank account could be a huge liability if it happens to actually get there and stay there.

Okay so I’ve decided I will do the right thing HOWEVER what if this guy is a scammer and gave me a bad check.

How badly fucked am I? Other than having to pay back $3500.

>>50688361
I would like details. Did you really meet this guy at a bus station? More common to hear shit like this over the internet. Was it really a cheque or was it an electronic transfer? Does he want to be paid in bitcoin, cash, or a transfer to his account? Who the FUCK is this clown? Why did you agree to do this? You have my attention

>>50688361
>How badly fucked am I? Other than having to pay back $3500.
There's nothing else. You are just losing $3500 + bank charges for a bounced check.
The police and the FBI won't come after you.

>>50688010
90% chance you're being used as a money laundering muel. If you keep the money you will probably be even more fucked from a legal standpoint

>>50688400
There's a decent chance they will actually but if this is a one time thing they'll just be looking for information, not to charge you or anything.

is it illegal to cash someone elses cheque? i have no idea. if not i would go to the bank and explain the situation honestly and ask for advice.

i got scammed by an atm once that stole some of my money and i explained it to the bank. they said they would investigate and try and get my money back. i told them i needed the money now for rent, so they just gave me the money back then and there. and that was the last i ever heard of it.

>>50688399
>I would like details. Did you really meet this guy at a bus station?

Yes, why would I lie about this part? This is 4chan, I’m completely anonymous and plus I need the advice.

>Was it really a cheque, it was a check.

>Does he want to be paid in bitcoin, cash, or a transfer to his account?

He wants cash, I’ll pick him up tomorrow at 8am and we go to an atm however he did say he was willing to do cashapp.

>Who the FUCK is this clown?

Some late 20s looking mexican.

>Why did you agree to do this?

I fucking thought it was like $80 he needed I didn’t know the amount until after the screen said it and by then he already was clicking OK for the receipt(which I kept, pic related)

You have my attention.

There is one part that I did leave out because if this guy scams me or the check bounces I will look like an even bigger retard than I already do.

I had $1100 in my bank account already, so I gave him that and said tomorrow I’ll just deduct from the $3500.

So I suppose my best option is to call the bank confess my foolishness and then the bank will not deposit the money and I will have $0 in my checking account which I deserve for being a retarded faggot. But what if the guy is legit? Then at the very least neither of us lose any significant amounts of money.

Pic related shows $1105 as the available balance(my actual hard earned money) and then it shows $3600(his money)

>>50688010
But let your 'Yes' be 'Yes,' and your 'No,' 'No.' For whatever is more than these is from the evil one.

What are you a woman or a tranny? Real men know this!

Wait a minute what if I just hold on to the money for say a week, then if it’s clean I’ll give him his and if it bounces then at the very least I don’t have to be in debt for the amount of $3500 which would undoubtedly close my account and destroy my credit. I mean it’ll suck for him to have to wait that long but fuck man there is too much risk here what was I thinking.

>>50688705
the 1100 you have him is the scam
the 3500 will bounce and you will never see the spic again; you’re out 1100

>>50688010
no way this is real

>>50688953
But what if he’s telling the truth? Then he gets his money and I get mine back. Isn’t there still a chance for all this to be dandy? The average person isn’t capable of creating a fake check that can be read by an atm.

>>50688993
larp or not I'm keking

>>50688993
atm’s are retarded machines it’s not until a bank teller gets to the check and verifys the accounts that it clears
if the spic had you go to a teller his scam wouldn’t work

Guys what the fuck do I do? Do I take the chance and withdraw the money so I can at least get my grand back or do I just call my bank right now and flag the deposit? Fuck man I was supposed to be getting an apartment this month and starting school. Fuck man I’m going to the bathroom I’m going to cry i hate being an adult

>>50689039
If I call the bank right now can they verify it?

>>50689044
call the bank and tell them the truth. they will appreciate it and won't file charges against you because they are aware of this scam.
still can't tell if larp or not

>OP believed the lies of some bum ass nigger on a bus
>This is costing him money
People are fucking RETARDED

>>50689084
It’s not a larp I posted the receipt. Idk what to do. 20% of me wants to wait it out and see as I really need my money back in order to get an apartment but if I get -3500 then my account will be destroyed, my dads account will be destroyed as it’s jointed and I will have my credit destroyed and might even have to drop out if they press charges.

>>50688993
It’s fake
My sister got gotted same way as you iirc she gave the Nigerians the total amount and ended up not being able to have a bank account for 5 years.

I would tell the man to give you back your money or your going to the popos and that the bank flagged the check or something like that unless you think he’s gonna murrk you- It costs like 5$ to cash a check at those check into cash places why tf would he need you other than to make you the fall guy. Worst case scenario your out your grand, I’d put the 3500 in a savings account and let the bank manager know what happened they will charge it back when the check is proven fraudulent and slap you around. Maybe the popos can get the atm footage to id the guy but no doubt he’s fucking u good luck op.

>>50688010
Bank fraud is a serious crime. They will close your account after taking what is theirs. Then they will report this to the FBI and credit bureaus. They will then gangstalk you for at minimum 10 years. They will shit in your pillow at night. The bank will literally hire women to fake interest in you. You fucked up big time bucko. I can not stress how important it is to rectify this mistake immediately.

OKAY I AM CALLING THE BANK RIGHT NOW DISPUTING THE TRANSACTION AND GHOSTING THE GUY.

>>50689142
>The bank will literally hire women to fake interest in you

>>50689059
they might make finding that check a priority but the grand you withdrew is gone; unless your bank is a bro

>>50689141
He said he didn’t have an id in the beginning. Also when we were walking back to the bus stop at the end he asked me to buy him a pack of newports since he didn’t have the ID so it made his seem pretty trustworthy as he repeated a stated fact.

>>50689141
Honestly I wouldn't even bother asking the guy, I'd just go straight to the police. He's just gonna skip town if he knows he's been found out but police *might* be able to set up a sting when you meet up to give him the rest of his money.

>>50689176
HAHAHA it’s too late! They sent the vans, the tinder profiles are created, and your local branch scheduled chipotle catering for tomorrow. It is over, you will never have the privilege of renting. I spit in your direction.

op you are naive and gullible and in order to survive you need to realize this about yourself. don't bargain, don't negotiate, just say "no" to anything even remotely suspicious. you don't have the social intelligence to navigate any out of the ordinary scenarios.

people like you are going to end up buying gift cards to indian scammers to fix your computer from the virus you downloaded clicking some nonsense.

op are you a boomer? be honest. you sound like a simpler man from a more honest time.

also op, since you browse /biz/, some advice.

almost any time you see a post in a thread advertising a coin or token, it is almost always a shill. it might even be a bot. people like you get tricked into buying all kinds of scams because you think you're reading an organic discussion.

>>50688010
do not redeem sers

>>50689280
>boomer

no, it's autism. profound autism

>>50688010
People who don't have bank accounts are literally less than human. You can steal the money with a clean conscience, but it is likely a scam so don't rush to spend it. Just steal it and buy a cheap car so you don't have to go to the nigger station ever again

Either illegal immigrant or scam

>>50688064
>I didn’t give him any money or anything.
>>50688705
>I had $1100 in my bank account already, so I gave him that and said tomorrow I’ll just deduct from the $3500.
You're as dumb as a particularly dim sack of rocks

>>50689216
>it made his seem pretty trustworthy as he repeated a stated fact.
Now I know you're literally reading this off of an explanation of the scam

>>50688705
>I had $1100 in my bank account already, so I gave him that and said tomorrow I’ll just deduct from the $3500.
you got scammed you will never see him again. he just wont show tomorrow. gg. learn from your mistakes.

this scam is brilliant actually because the victim thinks they are the scammer and then feel guilty when they get double crossed. very impressive

>>50688705
Pure retardation lmao hope you die faggot

>>50688361
why dont you just call the bank and figure out if the check was legit or not you stupid faggot

>>50688705
i hope you at least got the illegal beaners picture

Post coins you have invested in so we can know what not to buy.

>>50689044
>Fuck man I’m going to the bathroom I’m going to cry i hate being an adult

how the fuck are you going to pieces when litetally nothing has happened?

>>50688010
Do the right thing but it sounds like he’s going to scam you
He probably cashed a stolen check into your account

>>50689044
>i hate being an adult
Checked, this happens when your parents leave their kids all day in front of the television or whatever hoping that they magically learn to live at some point, of course they don't so they grew up as gullible mudwits

>>50688197
This
I can’t believe you feel for it op

>>50689962
>>50689960
>>50689910
>>50689562
>>50689500
>>50689039
>>50688953
>>50688399
>>50688263
>>50688229
>>50688197
>>50688040
So I called the bank and they said if the money shows up in my account then the check is good. If it doesn’t appear then the check was bad. So hopefully the money shows up tomorrow. Thank you for everyones help. From now on I will not associate with these types of people and anything regarding money higher than $500 I will carefully consider for a long time and consult /biz/ before making any moves. Hopefully I’m not a 80iq loser destined for destruction.
Once again, thank you.

>>50690661
good job, bro. i'm proud of how well you navigated this situation.

>>50690661
Surprising turn of events

>>50688010
Anon, take a knee real quick son.
Listen carefully to what I'm about to tell (You).
One of the biggest reasons people end up getting their asses murdered on this specific planet is typically money related in some fashion.
So, give this man his money, bc you made a deal with him to do so.
If you take the nigger route, very niggerish things may happen to you.
And no amount of money is worth losing your life over.

/thread

>fuck all niggers ITT

>>50690832
this unironically.do not let the niggers consume your inner being for niggers themselves do not have one so they consume each other on a daily basis

>>50688229
Cope

>>50688024
No

>>50688010
You know you got scammed right.

>>50690661
>I will carefully consider for a long time and consult /biz/ before making any moves
nigga

>>50690661
You got scammed out of 1100 bucks. Consider that a small price to pay for trusting strangers. This is one of the oldest street hustles in the books and I'm surprised it still works given the almost complete digitization of money. Then again there are always dumb fucks like you roaming about, desperate for an easy leg-up. You should either find a high-pay/med-skill trade or go back to school ASAP

>>50688705

Are you retarded lmao? It’s a fucking scam. You get the money, give it to him, the check bounces, banks comes for you to pay the money back. No wonder 17 year old nigs make thousands scamming, dumb sheltered white people like you are born suckers.