Here's my add to this:
I paid for an Item to a guy in Glendale Arizona with Western Union Money Order.
I never received my items and thus filed complaints with eBay, Phoenix PD(because he used a MB Etc mailing address), after many weeks of complaining to everyone, Western Union replied to tracking of deposit of my M.O., and wouldn't you know it: It was electronically re-printed, cashed in a different city next to Phoenix at a Wells Fargo Bank with all of info paid to, items #'s, and my signatured all changed!
The Phoenix P.D. stated to me that because it was online, across state lines, that the FBI was the US gov't department to file this complaint with. It falls under a category I believe they stated as Document Fraud Investigations.
In the end, Western Union sent to me all copies of the cancelled M.O., then next sent to me an affadavit to sign & Notarize, and I guess I am suppose to be re-imbursed for all my troubles with that M.O.
This remains to be seen, but I am sure that W.U. notifies the FBI of such issues, and with that affadavit , W.U. can prosecute the individuals once I receive re-imbursement of funds!
I personally spoke to my 'B of A' branch Manager about their processes in relations to my issue pertaining to Bank Cashier's Checks. That manager stated to me that Bank Cashier's Checks hold more difficult processes to forge, but personally I feel anyone with bad intentions could make anything they want. Anywyas, he did state that the FDIC insured institutions hold greater power than Money Order folks regarding tracing, forgery, and prosecution to these matters.
I will use Cashier's Checks from my Bank until one is forged and then see what occurs!
