Eventually it’s determined that the activity is authentically suspicious and what probably happened is that when I opened the original email which warned of fraudulent activity that hadn’t occurred it enabled someone to actually commit fraudulent activity. Fortunately, the alleged banking official assures me, none of the checks cleared and eventually the money I had in the account will be returned. All I have to do, she says, is write a check for a deposit to open a new account.
“There’s no money in my checking account,” I point out. “How about if you just take my word for it.”
On Monday, I receive a follow-up letter from the bank thanking me for my business and urging me to apply for its credit card, which carries an APR of 13.24 percent, with a $35 late fee and a 24.24 percent APR for cash advances.
I’m pretty sure that one’s authentic.