Product: Checking or savings account

On XXXX XXXX, XXXX, I was scammed by a company offering me a job. The company is XXXX located in XXXX XXXX, NV. The HR woman I was emailing is XXXX XXXX. I was unknowingly the victim of fraud. I received 2 checks and deposited the checks into my credit union account. The first check received and deposited was on XX/XX/XXXX in the amount of {$4900.00}. The second check received and deposited was on XX/XX/XXXX in the amount of {$4900.00}. A total of {$9900.00}. 

On XX/XX/XXXX, I was starting to realize I had been scammed and started trying to get help from my credit union ( Mountain America Credit Union ). On XX/XX/XXXX I met with a credit union representative. He put a hold on my account and ordered an investigative team to look into the fraudulent activity. I contacted XXXX to alert them to scam that was taking part under the company name. I contacted XXXX XXXX, and the CFO of the company. I received no response. I sent a contact general submission to the company on their website. I received a reply from XXXX XXXX ( sales or customer relations ). She simply relayed that I was scammed. I was unpleasantly surprised and disappointed seeing that XXXX is in the business to help their clients fight identify theft and online security fraud. 

When I called the credit union 's customer care team, I was told that they would credit the amounts to my account while they looked into the matter. I was told that they had 3 months to make a decision. I was told that because I knowingly deposited the fake checks, I was most likely not going to be offered any help, because they do not consider the situation fraud. 

On XX/XX/XXXX I filed and submitted complaint with the FBI. 

I called the credit union customer care several times, at least 6 times from XX/XX/XXXX to XX/XX/XXXX to find out the status of the investigation. Each time I called, I talked with a different customer service rep who was not part of the investigative team. I had to repeat my story each time and was was put on a very long hold while the customer service rep reached out to the investigative team. When the rep returned to the line they had no pertinent update information except to tell me they were working on it and provided no updates during ongoing cases. 

On XX/XX/XXXX, I received emails from the credit union informing me that the money that was initially credited to my account for the fake checks were being reversed. 

The reason being because I knowingly and freely deposited the checks into my account, I was at fault and the money was not going to be returned. As with all checks I receive I deposit them into my account, as does any objective person who receives a check. 

The credit union 's investigative team did not conduct a thorough in-depth investigation because they never contacted me for information or details or any other information I would expect to be part of an investigation. 

On XX/XX/XXXX I reported the fraud to the XXXX XXXX XXXX XXXX Department, XXXX # XXXX. I also called the FBI on XX/XX/XXXX for any updates on my case/report I filed. I was told it is pending and agents are still looking into it. I do not have a case number. 

I am requesting help from Consumer Protection because I am looking for help into the credit union 's handling of the situation and refunding the total of the fake checks {$9900.00}. 

I was told that the Consumer Protection acts to protect credit union members in the same way that the FDIC protects customers of banks. 

When I contacted National Credit Union Association, I was referred to CFPB. 

Thank you. 
XXXX XXXX