I don't know how to resolve this with my name upheld and all monies intact. I recently was approved for a small personal loan. This is the first time I've ever gotten a loan.
I received a check for $1210.00 in the mail. I first tried cashing it at a Walmart. They turned me away because, according to them, there was too much print on back and no room left for their seal. I then took it to a check cashing company. A copy of my State ID and check was then made. I was told to come back after 2pm the following day due to the bank was closed and it couldn't be verified. I returned at the recommended time. Now it was a different employee. She refused to cash it stating, "this ain't real. You need to get out!". I then called the finance company, explaining what happened. They had me bring that signed check into their office and would print/write me a new one that I could cash at their bank. I did just that and had no problem cashing it.
I get a call on Saturday from the loan place. They are showing in their computer two accounts in my name. One was obviously the check cashed at their bank. The other was for the original check. I did not deposit that check!
How can I prove it wasnt me and push for a fraud investigation, check fraud, bank fraud, identity theft? Will this stay on my credit now? Could the check cashing place do a deposit online and pretend to be me?