Subject: Counterfeit Cashier’s Checks
Date: August 2, 2007
Description: Winona National Bank
Counterfeit Cashier’s Checks of Winona National Bank, Winona, MN
To: Chief Executive Officers of All National Banks; All State Banking Authorities; Chairman, Board of Governors of the Federal Reserve System; Chairman, Federal Deposit Insurance Corporation; Director, Office of Thrift Supervision; Conference of State Bank Supervisors; Deputy Comptrollers (districts); Assistant Deputy Comptrollers; District Counsel; and All Examining Personnel
The above-named bank has reported that counterfeit cashier’s checks issued in the bank’s name and using a correct routing number of 091900216 are being presented for payment nationwide in connection with a lottery scam.
While the counterfeit checks resemble the authentic items, they may be identified by the following: the check is maroon in color with a marbled background and contains the following statement within the top border: "THIS DOCUMENT HAS A COLORED BACKGROUND AND MICROPRINTING. THE REVERSE SIDE INCLUDES AN ARTIFICIAL WATERMARK." The checks do not include a remitter section.
Items presented to date have been made payable in the amount of $4,800.00. Due to possible variations of appearance, it is suggested that officials of Winona National Bank be contacted to verify authenticity of the bank’s cashier’s checks if received from an unknown or questionable source.
Correspondence accompanying the counterfeit items may contain the letterhead of "Capital One Services Inc., PO.BOX 85508, Richmond, VA 23285-5508." The letter alerts the recipient that he or she is the winner of an unclaimed prize and instructs the recipient to contact Patrick Sanchez of the Prize Paying Department at 1-647-219-8792 by a specific date or the money will be forfeited. Note that this telephone number originates out of Toronto, Ontario. The letter further states that the enclosed check is to be used to "…help you cover the Documentations and Insurance fees involved in your winnings." The letter may be signed by James Y. Kean, Vice President.
For additional information and guidance, please contact Maureen Flynn, Compliance officer, 204 Main Street, Winona, MN 55987, by telephone at (507) 454-9249, by fax at (507) 454-9201, or via e-mail at [firstname.lastname@example.org].
Consumers who receive a counterfeit item and associated material should file complaints with the following agencies, as appropriate:
Additional information concerning this matter that you believe should be brought to the attention of the OCC may be forwarded to:
For additional information regarding other types of financial fraud, please visit the OCC’s anti-fraud resource at: https://www.occ.gov/topics/consumer-protection/fraud-resources/index-fraud-resources.html.