BBB Warns Consumers to be Wary of Phantom Bad Check Scams
May 14, 2014 | 1088 views | 0 0 comments | 10 10 recommendations | email to a friend | print

BBB Warns Consumers to be Wary of Phantom Bad Check Scams

BBB has received reports from consumers regarding a recent telephone scam. Individuals are being contacted by telephone under the pretense that the callers are attempting to collect money for hot checks which were written several years ago. Residents are further advised that if they do not wire money (hundreds to thousands of dollars) to a provided account number, law enforcement will come out and arrest them in the upcoming days. The callers are purportedly calling from 866 area codes and indicate they are a collection firm representing the Hot Check Division of various District Attorneys’ offices.


Law enforcement may make a courtesy call to notify that a claim has been  made, said Andy Dunklin, Constable with Precinct 2 of Smith County. “They may collect fines, however, they will never collect the amount of the hot check.”


If you receive a call from someone trying to collect a debt, BBB advises:

  • Do not give information to someone who initiates the call without verifying who they are first. Look up the number of the business or organization; do not call the number provided by the caller.

  • Never wire money to someone you don’t know.

  • Call law enforcement to verify whether or not there is a warrant is out for your arrest.

  • If you believe you owe money to the court, contact the county and pay your fines.


If a customer has written a bad check, the receiver of the check will usually turn it over to a collection agency or the hot check division with the DA’s office to retrieve funds. After an allotted amount of time, a warrant will be issued if they have not repaid the money”, said Ken Hartley, Security/Loss Prevention Officer with Texas Bank & Trust. “If someone receives one of these calls or notifications and had not first been notified by their banking institution, then they need to verify it.”


Consumers can verify the caller by hanging up and checking with their financial institution to see if there are any actual debt collection cases against them. Likewise, they can also call the Constable’s office or whatever department the “collector” is claiming to work for.


For more tips on how to be a savvy consumer, go to To report fraudulent activity or unscrupulous business practices, call the BBB Hotline: (903)581-8373.

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