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Can Your Identity Be at Risk if Someone Gets a Hold of an Errant Check?

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Can Your Identity Be at Risk if Someone Gets a Hold of an Errant Check?

Old 09-21-14, 07:04 PM
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Can Your Identity Be at Risk if Someone Gets a Hold of an Errant Check?

Hi, I recently lost a check. It's been cancelled, but I worry if someone gets ahold of it and uses the checking number and my signature. Am I worrying for nothing or do I need to get a new checking number.

(I'm sorry if this sounds like a "duh" question, but sometimes I worry about things I shouldn't worry about and ignore things I should. My poles are crossed sometimes...)
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Old 09-21-14, 07:22 PM
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Re: Can Your Identity Be at Risk if Someone Gets a Hold of an Errant Check?

The check does have your routing number and account number, which is more than enough for them to use your account for online payments, etc. I'd let your bank know, and proceed from there.
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Old 09-21-14, 07:22 PM
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Re: Can Your Identity Be at Risk if Someone Gets a Hold of an Errant Check?

Absolutely. I would close that checking account and get a new one.

It's basically the same thing as if you were to lose your debit card. If someone finds the check and wants to start to robbin' and stealin' it would just take a little more effort.

Better safe than sorry.
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Old 09-21-14, 07:25 PM
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Re: Can Your Identity Be at Risk if Someone Gets a Hold of an Errant Check?

Originally Posted by Kurtie Dee View Post
Absolutely. I would close that checking account and get a new one.

It's basically the same thing as if you were to lose your debit card.
Not really, no.
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Old 09-21-14, 07:28 PM
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Re: Can Your Identity Be at Risk if Someone Gets a Hold of an Errant Check?

Yeah, it's a duh question. Shut it down.
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Old 09-21-14, 07:42 PM
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Re: Can Your Identity Be at Risk if Someone Gets a Hold of an Errant Check?

Absolutely!

Change your home address, and notify your all your relatives and friends you will be changing your name.
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Old 09-21-14, 07:47 PM
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Re: Can Your Identity Be at Risk if Someone Gets a Hold of an Errant Check?

Originally Posted by DVD Josh View Post
Not really, no.
By which I mean, if you lose your debit card, someone could access that account. If you lose a check, someone could access your checking account.

But that's not what you want to hear, is it, DVD Jace?
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Old 09-21-14, 08:28 PM
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Re: Can Your Identity Be at Risk if Someone Gets a Hold of an Errant Check?

Paging PatD...paging PatD... I'm gonna need you to participate in this thread.
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Old 09-21-14, 08:51 PM
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Re: Can Your Identity Be at Risk if Someone Gets a Hold of an Errant Check?

This thread reminds me of my past week...


I was on vacation this past week and went to the airport. Before my departure, I found someone's credit card on the floor and it was returned to the owner with the assistance of an airline gate attendant. It felt nice to do a good deed.

Coming home (at the airport again), I found someone's passport behind the shitter in a bathroom stall. However, I didn't want to pick it up since it was pretty dirty behind the toilet. I left it for the janitor to find. I have a feeling someone's vacation didn't go as planned that day.

Lesson for everyone - stop losing stuff at the airport! haha
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Old 09-21-14, 09:01 PM
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Re: Can Your Identity Be at Risk if Someone Gets a Hold of an Errant Check?

Originally Posted by Michael Corvin View Post
Paging PatD...paging PatD... I'm gonna need you to participate in this thread.
Sorry. Wait, am I worrying for nothing?
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Old 09-21-14, 10:07 PM
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Re: Can Your Identity Be at Risk if Someone Gets a Hold of an Errant Check?

I'd say so.

I have a friend who used his parent's address as his "permanent address" for at least a decade after he graduated college. He once ordered two boxes of checks. He had them sent to his folk's house, where they were stolen out of the mailbox. He called his bank and told them about it, but instead of properly "closing" the account, they simply assigned him a new account number... and left the old account number active.

The bank was very responsive and proactive about it during the first wave of stolen checks. But then the thieves either sold his checks to someone else, or knew not to use them for six months or so. 'Cos every six months for years afterwards (like, seriously... five or six years) another crop of bad checks would come through his account, and he'd have to call the bank and explain the whole situation over again. They always refunded the money, but it really pissed him off having to jump through their hoops again and again. He really wanted to quit the bank, but there was some (legit) reason why he didn't, although I don't remember what it was. Whoever stole the checks finally gave up, though.
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Old 09-21-14, 10:36 PM
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Re: Can Your Identity Be at Risk if Someone Gets a Hold of an Errant Check?

Every time you write someone a check, they have "access" to your account number and routing number. Is that really something to worry about?
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Old 09-21-14, 10:58 PM
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Re: Can Your Identity Be at Risk if Someone Gets a Hold of an Errant Check?

Originally Posted by JasonF View Post
Every time you write someone a check, they have "access" to your account number and routing number. Is that really something to worry about?
I guess it depends on how the check was lost. If it went out into the wild then it's susceptible to being used improperly.

I generally don't expect a utility company or grocery store to swipe my checking account. If I discovered that I'd lost a check on the street, I would absolutely be concerned.
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Old 09-22-14, 02:50 PM
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Re: Can Your Identity Be at Risk if Someone Gets a Hold of an Errant Check?

Check found. Crisis averted. Lesson learned.
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Old 09-22-14, 06:26 PM
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Re: Can Your Identity Be at Risk if Someone Gets a Hold of an Errant Check?

Yes, this is why you never throw old checkbooks away. Shred them. When my mother died someone got a hold of her old checkbooks and went on a buying spree. Luckily her Estate was not held liable.
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Old 09-22-14, 11:51 PM
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Re: Can Your Identity Be at Risk if Someone Gets a Hold of an Errant Check?

Originally Posted by PatD View Post
Check found. Crisis averted. Lesson learned.


You should do some form of penance. Head on over to The Fappening thread and read it in its entirety.
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