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Federal Reserve Bank
OF DALLAS
TONY J. SALVAGGIO
F IR S T V IC E P R E S ID E N T

DALLAS, TEXAS

May 4, 1995

75265-5906

Notice 95-45
TO:

The Chief Operations Officer of each
member bank and others concerned in
the Eleventh Federal Reserve District
SUBJECT
Notice of Fraudulent Check Cashing Scheme
DETAILS

The Federal Bureau of Investigation is requesting assistance in an ongoing
investigation concerning an individual carrying out a counterfeit check cashing scheme.
In October of 1994, numerous counterfeit checks were cashed in Tennessee, North
Carolina, Kentucky, and Illinois. In November 1994, the scheme moved to Illinois,
Missouri, Arkansas, Virginia, and West Virginia. In December and early January,
numerous counterfeit checks were cashed in Kentucky, Ohio, and West Virginia. The
last several checks known to have been cashed were during late January 1995, in the
states of West Virginia, Kentucky, and Indiana. The counterfeit check cashing scheme
appears to have been ongoing since sometime in the late 1980’s, leading to estimated
losses well in excess of $1 million.
ATTACHMENT
Attached is a notice prepared by the Federal Bureau of Investigation
describing some of the details in the fraudulent check cashing scheme.
MORE INFORMATION
Any person having information regarding this scheme should contact the
nearest office of the Federal Bureau of Investigation, or the Case Agent, Jerry
Southworth, Eau Claire, Wisconsin Resident Agency, at (715) 835-3761.
For additional copies of this Bank’s notice, please contact the Public Affairs
Department at (214) 922-5254.
Sincerely,

For additional copies, bankers and others are encouraged to use one of the following toll-free numbers in contacting the Federal
Reserve Bank of Dallas: Dallas Office (800) 333 -4460; El Paso Branch Intrastate (800) 592-1631, Interstate (800) 351-1012; Houston
Branch Intrastate (800) 392-4162, Interstate (800) 221-0363; San Antonio Branch Intrastate (800) 292-5810.

This publication was digitized and made available by the Federal Reserve Bank of Dallas' Historical Library (FedHistory@dal.frb.org)

(Revised 4/3/95)

NOTICE OF FRAUDULENT CHECK CASHING SCHEME
THROUGHOUT THE UNITED STATES.
CHECKS PURPORTING TO BE ON SMALL LOCAL
BUSINESSES AND DRAWN ON
"FIRST AMERICAN"; "FIRST AMERICAN BANK";
"FIRST BANK"; "FIRST FEDERAL BANK"; "FIRST HOME FEDERAL";
"FIRST NATIONAL"; "FIRST NATIONAL BANK";
"FIRST NATIONAL BANK & TRUST"; AND "FIRST OF AMERICA"
NOTIFY FEDERAL BUREAU OF INVESTIGATION
REFERENCE:
Reference is made to a "NOTICE OF FRAUDULENT CHECK
CASHING SCHEME, ETC.", captioned as above with revision date
10/5/94.

SYNOPSIS:
Since at least mid-1991,* and probably since the late
80s, an individual has been involved in a scheme victimizing
grocery stores and supermarkets throughout the United States.
The individual is cashing counterfeit checks which appear to be
payroll checks on small businesses located in the community in
which the checks are presented and cashed.
The checks presented
are in round dollar amounts ranging from $136 to $298.
The
businesses and banks are non-existent.
The checks are cashed at small grocery stores or
supermarkets in communities with populations of less than 50,000.
The individual presents the check to a cashier as payment for a
purchase, generally feminine hygiene products and cigarettes, and
receives substantial cash back.
At the time of presentation to
the individual clerk (generally a young female), the check bears
handwriting in the upper right hand corner.
The numbers appear
to be a Social Security or driver's license number; a local
telephone number; and a three digit address generally on Pine,
Vine or Henry Streets.
The individual cashes no more than a few
checks in each small community and then moves on.

SIMILARITY/DESCRIPTION OF FRAUDULENT CHECKS:
The fraudulent checks can be identified based on the
following similarities:
1. All of the checks thus far cashed have been
numbered 1136, 1659, 1818, 2066, 3136, 5521, 5720,
5840, 6530, 6559, and 9198.

1

2. All of the checks appear to be business/payroll
checks on a small business in the same general area
where the check is cashed.
3. All of the checks purport to be on banks in the
area where the check is cashed, specifically. "FIRST
AMERICAN"; "FIRST AMERICAN BANK"; "FIRST BANK"; "FIRST
HOME FEDERAL"; "FIRST NATIONAL"; "FIRST FEDERAL BANK";
"FIRST NATIONAL BANK & TRUST"; "FIRST NATIONAL BANK";
and "FIRST OF AMERICA".
4. All checks have typed entries on:
amount, and memo sections.

date, payee,

5. All checks have a series of handwritten numbers in
the upper right hand corner which appear to be a
driver's license number or Social Security Account
Number (SSAN), a local telephone number, and a local
address, a three digit number on Pine, Vine or Henry
Streets.
6. The checks are always in round dollar amounts (i.e.
00 cents).
v
7.

The payee's name always begins with "Mr.".

8. The fictitious company name always ends with
"Inc.".

DESCRIPTION OF CHECK PASSER:
The following is a composite description of the
individual cashing the counterfeit checks:
A white male in his late 30s to early 40s,
approximately 6' tall, weighing 220-230 pounds, dark brown hair,
generally dressed in a dress shirt and tie, sometimes a sports
coat.
The individual sometimes wears glasses and occasionally
wears a mustache.

LOSSES/SCOPE OF SCHEME:
The investigation has developed that checks relating to
this scheme have been cashed in the state of: Arkansas, Iowa,
Illinois, Indiana, Kansas, Kentucky, Louisiana, Michigan,
Minnesota, Missouri, Mississippi, Nebraska, North Carolina, Ohio,
Oklahoma, Pennsylvania, Tennessee, Texas, Virginia, West
Virginia, and Wisconsin.
Over 600 of these checks have been
collected by the FBI from victim merchants who have suffered
losses in excess of $200,000.
According to recent information
developed, the scheme was in existence in 1989 through 1991 in
the southeastern and southern states before moving to the

2

midwest.
An estimate of the actual victims, including those not
reporting the matter to the FBI, is conservatively set at five
times the number known, with losses well in excess of $1 million.
The losses continue to grow as the scheme proceeds.

COMPANY NAMES USED ON COUNTERFEIT CHECKS:
The following is a listing of the company names used on
the counterfeit checks thus far cashed:
ANDERSON GLASS & MIRROR, INC.; ANDERSON'S GLASS &
MIRROR, INC.; BARRETT PEST CONTROL, INC.; BARRY FLOOR & TILE,
INC.; BOB'S TECHNICAL SERVICE, INC.; CARL'S SIGN & DISPLAY, INC.;
CENTRAL PRODUCTIONS, INC.; CENTURY DESIGN, INC.; CENTURY II
PROMOTIONS, INC.; CENTURY II SOUND, INC.; CINDY'S CATERING
SERVICE, INC.; CINDY'S DECORATING, INC.; DANNY'S PEST CONTROL,
INC.; DANNY'S SIGN & DISPLAY, INC.; DATA SYSTEMS, INC.; DAVIDSON
SIGN & DISPLAY, INC.; FOREST ELECTRICAL SERVICE, INC.; FRANK'S
SIGN & DISPLAY, INC.; FRANKLIN AUTO & BODY SHOP, INC.; FRANKLIN
DESIGN & DECOR, INC.; FRANKLIN PHOTOGRAPHY STUDIO, INC.; FRANKLIN
PHOTOGRAPHY, INe. ; FRANKLIN SIGN & DISPLAY, INC.; GENE'SDECORATING, INC.; GILBERT'S STUDIO, INC.; HARRIS HEAT & AIR,
INC.; HARRIS PEST CONTROL, INC.; HARRISON FLOOR & TILE, INC.;
HARRISON SIGN & DISPLAY, INC.; HERMAN'S CAMERA, INC.; HOGAN'S
STUDIO, INC.; HOLLINGSWORTH ELECTRICAL SERVICE, INC.; HOWARD
PAINT & SIGN, INC.; HOWARD PAINT & WALLPAPER, INC.; JACKSON
AUTOBODY SHOP, INC.; JACKSON CARPET & TILE, INC.; JACKSON SIGN &
DISPLAY, INC.; JEFFERSON CARPET & TILE, INC.; JERRY'S CARPET &
TILE, INC.; JERRY'S ELECTRICAL SERVICE, INC.; JERRY'S
PHOTOGRAPHY, INC.; JERRY'S SIGN & DISPLAY, INC.; KINCAID GLASS &
MIRROR, INC.; KINCAID PHOTOGRAPHY, INC.; MAYFIELD GLASS & MIRROR,
INC.; MAYFIELD PEST CONTROL, INC.; MAYFIELD PHOTOGRAPHY, INC.;
MITCHELL AUTO & BODY SHOP, INC.; MITCHELL PHOTOGRAPHY, INC.;
MITCHELL SIGN & DISPLAY, INC.; MITCHELL'S ELECTRICAL SERVICE,
INC.; MITCHELL'S GLASS & MIRROR, INC.; MITCHELL'S HOME
IMPROVEMENT, INC.; MITCHELL'S PEST CONTROL, INC.; MITCHELL'S SIGN
& DISPLAY, INC.; MITCHELL'S UPHOLSTERY, INC.; NEWMAN HEATING &
AIR, INC.; NORMAN'S FURNITURE REPAIR, INC.; NORRIS HEAT & AIR,
INC.; PAUL'S DESIGN & DECOR, INC.; PAUL'S ELECTRICAL SERVICE,
INC.; PAUL'S ELECTRICAL SALES & SERVICE, INC.; PAUL'S PEST
CONTROL, INC.; PAUL'S PHOTOGRAPHY, INC.; PAUL'S SIGN & DECOR,
INC.; PAUL'S SIGN & DISPLAY, INC.; PAUL'S GLASS & MIRROR, INC.;
PAULA'S DESIGN & DECOR, INC.; PAULA'S DESIGN, INC.; PEGGY'S DECOR
& DESIGN, INC.; PEGGY'S INTERIOR DESIGN, INC.; PERRY GLASS &
MIRROR, INC.; PERRY PHOTOGRAPHY, INC.; PERRY'S ELECTRICAL
SERVICE, INC.; PERRY'S SIGN & DISPLAY, INC.; RANDY'S ELECTRICAL
SERVICE, INC.; RAYMOND SIGN & DISPLAY, INC.; RAYMOND'S SIGN &
DISPLAY, INC.; RICHARD'S CARPET & TILE, INC.; RITEWAY
EXTERMINATING SERVICE, INC.; RON'S DECOR & DESIGN, INC.; ROSS
INTERIOR DESIGN, INC.; SOUND DESIGN, INC.; SOUND EFFECTS, INC.;
STAN'S INTERIOR DECOR, INC.; STEVE'S ELECTRICAL SERVICE, INC.;
STEVE'S PEST CONTROL, INC.; STEVENS ELECTRICAL SERVICE, INC.;

3

STEVENS ELECTRICAL SERVICE, INC.; TERRY'S CARPET & TILE, INC.;
TERRY'S CARPET SHOP; TERRY'S LIGHTING & FIXTURES, INC.; TERRY'S
LIGHTING FIXTURES, INC.; TERRY'S PEST CONTROL, INC.; TERRY'S SIGN
& DISPLAY, INC.; THOMAS GLASS & MIRROR, INC.; THOMAS HEAT & AIR,
INC.; THOMAS PEST CONTROL, INC.; THOMAS PHOTOGRAPHY, INC.;
THOMPSON'S ELECTRICAL SERVICE, INC.; WILLIAM BROS. PEST CONTROL,
INC.; WILLIAM CARPET & TILE, INC.; WILLIAM GLASS & MIRROR, INC.;
WILLIAM'S ELECTRICAL SERVICE, INC.; WILLIAM'S PEST CONTROL, INC.;
WILLIAM'S PHOTOGRAPHY, INC.; WILLIAMS ELECTRICAL SERVICE, INC.;
WILLIAMS ELECTRICAL SERVICE, INC.; WILLIAMS GLASS & MIRROR, INC.;
WILLIAMS PEST CONTROL, INC.; WILLIAMS PHOTOGRAPHY, INC.; WILSON'S
PEST CONTROL, INC.; WORLD CLASS SOUND, INC.; ZIMMERMAN ELECTRIC
SERVICE, INC.; ZIMMERMAN ELECTRICAL SERVICE, INC.; ZIMMERMAN PEST
CONTROL, INC.

COUNTERFEIT CHECKS PAYABLE TO:
The checks thus far cashed have been made payable to
various combinations of the following first and last names:
FIRST NAMES USEI>

LAST NAMES USED

ANDY
DEAN
GARRY
JERRY
MARK
MIKE
PAUL
RANDALL
RANDY
ROBERT
RONNIE
STEVE
STEVEN
TERRY

ANDERSON
CHAPMAN
COLEMAN
CRAWFORD
GARISON
GARRISON
HAMILTON
HARRISON
HENDERSON
HENDRICKSON
HOFFMAN
HOLLINGSWORTH
HOLLOWAY
HUTCHINSON
KIRKLAND
LAWSON
PATTERSON
PETERSON
RICHARDSON
ROBERTSON
ROBINSON
STEVENS
STEVENSON
WALLACE
WILLIAMS
ZIMMERMAN

BANK ROUTING AND ACCOUNT INFORMATION CONTAINED ON THE CHECKS
CASHED:
4

The following bank routing, account, and fractional
routing numbers have been utilized on the counterfeit checks:

CHECK #

BANK ROUTING #

ACCOUNT #

FRACTIONAL #

1136
1659

5801010183
2616160107
2659111596
2165601659
2602660107
2615900107

13010157
11071619
100165519
12659159
12671610
16111596

74-173/911
64-7568/2611
64-7568-1611
64-7568/2611
64-7568-2611
64-7568/2611

1818

2611100067

01311596

64-7568/2611

2066

091202166
001214166
5801010183
0-91206791
056614116
066214154
001214154
054214116

5472154
55475566
13010157
55472101
24215520
26675554
20675566
24215554

74-173/911
74-173/911
74-173/911
74-173/911
74-173/911
74-173/911
74-173/911
74-173/911

3136

0432004614
1136201413
091101730
0432004614

16384696
14135696
16369001
16369001

74-173/911
74-173/911
74-173/911
74-173/911

3696

5804310181
0432004696
1136311411
1136310096
1136310001
0432002066
0421004696

16514136
16593196
10414001
16514001
13204001
10441656
11369001

74-173/911
74-173/911
74-173/911
74-173/911
74-173/911
74-173/911
74-173/911

5521

1052171000
1552171000

15154500
15154500

66-46/531
66-46/531

5720

5955802495
570200495

0570045
10157090

64-7568/2611
64-7568/2611

5840

1044002600
5844002600

23102009
20402626

66-236/2611
5480/276

6559

2659156516

12151610

64-7568/2611

9198

1136981413

10333629

74-173/911

5

ATTACHMENTS:
Attached are copies of six checks recently cashed.
The
six checks are typical of the counterfeit checks cashed since
October, 1994 (five with check #5840, one with check #9198).

REQUEST/NOTIFY:
Any Law Enforcement Agency having information regarding
this scheme; suspect; or other information of value should
contact the nearest office of the Federal Bureau of Investigation
(FBI); or the Case Agent, Jerry Southworth, Eau Claire, Wisconsin
Resident Agency, telephone number (715) 835-3761.
If no answer
call FBI Milwaukee, Wisconsin, telephone number (414) 276-4684,
referring to case number 87D-MW-30008.
Any business victimized by this scheme, or having any
information regarding suspects, is reguested to contact local Law
Enforcement and-the FBI.
For immediate response to any attempt to cash one of
the fraudulent checks, contact the nearest Law Enforcement Agency
and provide that agency with the information from this notice.

6

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5840

972 S. GORDON ST
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0UCKHANNON. WV 25493

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PAUL’S ELECTRICAL SALES & SERVICE, INC.
837 W. BOLTON AVE.
P.O. BOX 3362
COSHOCTON. OH 44829

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MR STEVE PATTERSON

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8493 E. FRANKLIN ST.
■ P.O. BOX 2273
GRE^NEVIUjE, TN 37649

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FIRST NATIONAL BANK
GHEENEV1LLE, TN 3764i .

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Federal Reserve Bank of St. Louis, One Federal Reserve Bank Plaza, St. Louis, MO 63102