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Thread: (Streamate) Checks and Check Fraud

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    Default (Streamate) Checks and Check Fraud

    Since this has finally been resolved I'm going to just throw this out there as a warning to people who take checks. It's kind of slim that this could happen, but if you run into the same kind of problem that I did it could turn into a big pain in the ass like it did for me!

    My issue was with SM checks - it was mostly my banks fault but there were things about SM's end that really bothered me as well.

    I've been cashing SM checks at my bank for the last year and a half. Sometimes I'd get the side-eye from the teller but it would always clear, no problems, no holds, etc.

    About two weeks ago I went in to deposit a check, the teller eyeballed me weird, but took the check anyway. I got my receipt saying the check had deposited into my account and left. An hour later I tried to use my card - the money wasn't there. I waited a few days - thinking it was just a temporary hold. I finally called - My bank told me my account and my check were frozen for check fraud. Awesome!

    According to them, the check/Streamate "did not exist" - so they locked everything down. They were looking into it with their fraud department and said it would be about a week before they got back to me.

    So while I was sitting their twiddling my thumbs I went through and grabbed my 1099 for Streamate and called the # on that. No answer, and the message recording didn't even sound like it was directly related to SM. So no luck there. I asked for help in another thread and another model was nice enough to ask Live Support for any info/help and received a rude response as well. I sent an email to model support but had never received a response from them.

    In our model admin or Streamate.com website there is NO kind of separate departments or accounting phone number/contact info - which is kind of disturbing? I REALLY had to jump through hoops to get help for this issue and if it wasn't for another model helping me out and suggesting I talk to Liz (who's contact info isn't readily available on the website, just kind of 'word-of-mouth' help) I probably would still be sitting on this! So that is what really upset me with SM.

    So, while I was still searching for all of this info someone from my bank finally called me back to confirm what had happened - The teller ran it through the payroll system (after I had specifically told her "this is not a payroll check. I'm an independent contractor. I've deposited these for the last year here. I work online"), obviously Streamate didn't show up and my account was flagged. Even better, she said they tried to call the phone number on the check and it didn't direct them to any accounting info/anyone who could confirm the company or the check.

    I called the bank back the next day - explained the issued, etc. They got back to me saying that they had discarded the check and if I want my money they'll want me to ask the company (SM) to reissue a check in the same amount - but, it will be put on temporary hold and then deposited.

    So in the last two weeks I got in contact with Liz who was awesome and helpful - she gave me a number to give to my bank, that would redirect them to accounting (and the phone # she gave me was completely different from the phone # on SM's checks - WHY IS THAT??? so frustrating!!) - my bank wrote it down but still stuck with the above saying I needed to get the check reissued.

    I decided to just sign up for Payoneer (thank you Nissim for your help with that ) and thanks to Liz I got my money on my card this morning! (THANK YOU LIZ for all of your help!!) (And thank you to all the chatzy and verified bbs who helped calm me down in my ridiculous panic/helped out in that thread. lol )

    So again, I'm only speaking on experience with SM checks - who knows what other experience can happen to another company MFC/IMLive, etc. and their model support/etc and whatever your bank is smoking to freak out like this. I'm simply posting this as a warning because this was fucking stressful having everything on hold like it was, and my panic was only heightened by trying to get through someone at SM, like ugh. lol

    Soooo in conclusion,

    I'm never ever taking checks again.
    Payoneer 4 ever.
    Liz is amazing.
    And now my bank knows I'm a slut!
    Last edited by HaydenBlue; 08-31-2012 at 12:38 PM.








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    Default Re: (Streamate) Checks and Check Fraud

    Do you mind posting the number on the resources thread in verified? Because ffffffffffffffffff THIS ISSUE IS STUPID AND EVERYTHING INVOLVED IS EVEN MORE STUPID (except you obviously, because you are the greetest)

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    Default Re: (Streamate) Checks and Check Fraud

    This is scary I have been cashing checks from streamate since 2004 I always do them at a money mart, was thinking of going to my bank today because I need the cash and I can't really handle the money mart fees right now becuase of my up coming trip. might be a good idea to post the info for this Liz person in this thread in case someone goes through this problem again.
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    Default Re: (Streamate) Checks and Check Fraud

    Man, this whole thing pisses me off SO much.

    I do like having Payoneer available when in a time crunch for my money, but was hoping/planning to switch to checks soon to save on fees.

    I feel like Streamate should have done more to resolve this problem on their end and I'm shocked they charged you to reissue a check that was not honored by a bank.


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    Default Re: (Streamate) Checks and Check Fraud

    Quote Originally Posted by laurielegs View Post
    Man, this whole thing pisses me off SO much.

    I do like having Payoneer available when in a time crunch for my money, but was hoping/planning to switch to checks soon to save on fees.

    I feel like Streamate should have done more to resolve this problem on their end and I'm shocked they charged you to reissue a check that was not honored by a bank.
    Yup I was charged a $25 fee to cancel the check. I was really annoyed by that, but I didn't want to fight it - I was so stressed about this whole thing I just wanted my damn money and everything sorted out again so I could work.







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    Default Re: (Streamate) Checks and Check Fraud

    Quote Originally Posted by minniesoporno View Post
    This is scary I have been cashing checks from streamate since 2004 I always do them at a money mart, was thinking of going to my bank today because I need the cash and I can't really handle the money mart fees right now becuase of my up coming trip. might be a good idea to post the info for this Liz person in this thread in case someone goes through this problem again.
    I searched the forum and this had been posted before: [email protected] - I had gotten a (personal?) email or maybe one that hadn't been directly related to SM, (the domain end @xxx.com wasn't SM related) so I'm not sure if I can post it here? But I know that is her's too.

    Vanessa has always been very helpful for me too in the past: [email protected] but I think she's a different department.







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    Default Re: (Streamate) Checks and Check Fraud

    i presume they use a 3rd party cheque processor, like adultwork maybe? god knows what would happen if an aw chq scrwed up, phone number? yeah right! lol

    electronic transfers, payoneer or direct have to be the future for all these kind of payments i reckon. sure there can be charges, but what price peace of mind.

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    Default Re: (Streamate) Checks and Check Fraud

    Quote Originally Posted by HaydenBlue View Post
    [email protected] - I had gotten a (personal?) email or maybe one that hadn't been directly related to SM, (the domain end @xxx.com wasn't SM related)
    The other email address "fc" is the parent company I think, the email you mention should get through to Liz and her team fine though.

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    Default Re: (Streamate) Checks and Check Fraud

    I am on ImLive. Had to end up with getting a check sent to my house for this month only, on Payoneer after that. Has anyone had any issues with their banks accepting the Third Party checks? I saw someone from SM did, God, what a nightmare! I need my money ASAP.

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    Default Re: (Streamate) Checks and Check Fraud

    Oh that SUCKS!! Sounds just like incompetence on the part of the bank teller to me...GRRRR.

    Luckily, my bank is pretty small, and I always go to the same branch (or one of two) so that if there is ever a teller giving me the confused look, I can usually call over someone who has done it for me a thousand times, and get them to walk numbnuts through it. Admittedly, it is tough. I am transferring a US check to CAN$, then depositing it, then getting the standard hold taken off. But still. You are a BANK TELLER. This is your JOB.

    That said, my bank is awesome. Once, they fucked up and didn't take the hold off, so I went back and told them. They were super apologetic and fixed it right away, then gave me a starbucks gift card because they messed up! LOVE
    I take cash, debit or credit. I just don't take shit.


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    Default Re: (Streamate) Checks and Check Fraud

    Quote Originally Posted by HaydenBlue View Post
    Yup I was charged a $25 fee to cancel the check. I was really annoyed by that, but I didn't want to fight it - I was so stressed about this whole thing I just wanted my damn money and everything sorted out again so I could work.
    Yeah. They mailed 2 or 3 of my checks to the wrong address and mail forwarding didn't catch it. So they're telling me I can wait 45 days or pay 30$ per check. I'm so cheap I don't want to do it...but sitting on it hurts.


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    Default Re: (Streamate) Checks and Check Fraud

    I had a problem with SM cheques too..I live in Canada and my bank puts any cheque that is not from Canada on a 25 business day hold. Before I moved provinces I had no issues - the tellers would always cash/deposit it no problem. When I moved provinces (same bank) I finally find out about this hold which - it wouldn't bother me so much except for the fact that it freezes your account completely checking/savings/credit - everything! So you won't have any access to any money during those days regardless of where it's from. Once I found that out I switched my payment method immediately!!

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    Default Re: (Streamate) Checks and Check Fraud

    Quote Originally Posted by MissAdriana View Post
    I had a problem with SM cheques too..I live in Canada and my bank puts any cheque that is not from Canada on a 25 business day hold. Before I moved provinces I had no issues - the tellers would always cash/deposit it no problem. When I moved provinces (same bank) I finally find out about this hold which - it wouldn't bother me so much except for the fact that it freezes your account completely checking/savings/credit - everything! So you won't have any access to any money during those days regardless of where it's from. Once I found that out I switched my payment method immediately!!
    Holy crap!! I have never heard of a bank freezing an ENTIRE account just because a check is being held!! That is insane....could you open a second account, just for checks being held? I have one for my c4s checks, because I like to keep money that I can't spend separate until it clears....

    Where in Canada are you? I am in Canada as well, and have found my bank to be awesome - they also have an automatic 3 week hold, but they removed it for SM after about 6-8 checks cleared...always worth asking for that
    I take cash, debit or credit. I just don't take shit.


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    Default Re: (Streamate) Checks and Check Fraud

    Quote Originally Posted by ManyRoses View Post
    Holy crap!! I have never heard of a bank freezing an ENTIRE account just because a check is being held!! That is insane....could you open a second account, just for checks being held? I have one for my c4s checks, because I like to keep money that I can't spend separate until it clears....

    Where in Canada are you? I am in Canada as well, and have found my bank to be awesome - they also have an automatic 3 week hold, but they removed it for SM after about 6-8 checks cleared...always worth asking for that
    You know I never thought of that. They did mention that I could open a US funds account and switch the money over when it was more convenient for me, but I didn't really want to pay for that and still have to wait for the money so I switched right away. I moved from Alberta to New Brunswick.

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    Default Re: (Streamate) Checks and Check Fraud

    sounds like the teller was jealous bc you're a baller! LOL
    Hot Chick cashing baller checks pisses people off....
    hater alert lol

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    Default Re: (Streamate) Checks and Check Fraud

    sounds like the teller was jealous bc you're a baller! LOL
    Hot Chick cashing baller checks pisses people off....
    hater alert lol

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    Default Re: (Streamate) Checks and Check Fraud

    I've always been suspicious of the fact that SM contractors can never get in touch with anyone for any real help (except that half-bot thing they call "support"). Apparently the banks can't get help either? What kind of business does that? Only the really shady ones. Should I say organized crime/white collar crime? - because that's what goes through my head.

    It's one thing to abandon the models, but not being accessible and transparent to financial institutions? That can't go on forever. I think other things are going on there too, and if it's something illegal or perceived to be illegal, eventually it will catch the attention of someone capable of shutting them down. I make $ there, so that's really not what I want to happen, but I won't be surprised when I log in one day & the site is shut down for good with no warning. There's just little or no transparency with this company, even by industry standards.

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    Default Re: (Streamate) Checks and Check Fraud

    It's to the point where I think they're fucking with our Fed-ex checks... Yesterday I get a shipment notification from Streamate saying my check was going to be sent out and delivered to me today. Well... there is no check in my possession and Fedex said they never got it from streamate. Yet SM says they issued it? WTF? I have rent due... And I didn't know about that bank thing... I'm nervous now. Why does SM treat their crappy customer base better than their hard working models?

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