Today, I went to the grocery store where I work to pick up my pay check. After I got it, I headed back to the dorms to take a quick nap before Chemistry later. I woke up, and my check was gone. I later found it. In the form of a text from my roommate saying he gambled away 'our' money. FML
I agree, your life sucks (17303) - you totally deserved it (1768)
On 11/11/2009 at 1:55am - money - by whoawhat (man) - United States (Oklahoma)
Yeah, you can even just text back:
"If you don't return it within 2 days you'll be talking to the court".
its not a small claims court case. You call the cops because the check was made out to the OP and the roommate stole the check AND cashed it. A felony I would imagine in most states.
#15 - On 11/11/2009 at 10:51am by patticake1601
This and, this has to be fake. How in the hell would he be able to cash your check without proper identification?
#88 - On 11/14/2009 at 12:14am by Shuinoshina
With the scanners in the new ATMs, all you need is the card and PIN.
#96 - On 12/02/2009 at 11:03pm by GreenAlbatross
If this guy SENT you a confession you can definitely press charges.
#3 - On 11/11/2009 at 10:06am by pleasetryagain
...you dont think it might be a bit hasty to call the cops immediately? why is it you people always want to escalate things prematurely?
#71 - On 11/12/2009 at 1:39am by organisedchaos
Because things like a roommate stealing your paycheck should never have to have a slow and "nice" process. People breaking laws should get no consideration.
Why shouldn't they get some mercy? It's the OP's fucking ROOMMATE!! You'd think SOME effort would be made to keep peace...
Plus, if the problem can be solved without the use of the court (how much time/money would that cost even?) then why royally screw him/her over unnecessarily?
I swear I'm renouncing any ties to America once I turn 18 and move away x.x
Really?
REALLY?!
You would work for two weeks, taking eighty HOURS out of your LIFE and you would be just fiiiine with someone taking that and losing it?
It would be one thing if the roomate took it for, oh I don't know, a kidney transplant for his cat...something emergency like...but he took it and GAMBLED it away. ANY scenario where he takes the check and cashes it is theft, but it is why he did it that may have saved him. If his kid needed diapers, maybe some leniency would be in order, and you could give him a chance to fix it. THIS though, this has to be dealt with right away.
OP I hope you immediately called the cops man.
Seriously?!? you think that a kidney transplant for a CAT is a good reason? come on! Just put the poor thing down.
#89 - On 11/14/2009 at 3:30am by hahaha_poor_you
Probably should have put it somewhere your roommate can't find it.
#5 - On 11/11/2009 at 10:14am by LeeIsAwesome
+1 If you'd hide it somewhere/keep it in your pocket/keep it in your wallet, it's unlikely your roommate woulda found it and used it.
But yes call the police, that clearly is theft
#28 - On 11/11/2009 at 11:29am by maverick1031
He probably didn't know that the roommate would steal it. He does now though...
#64 - On 11/11/2009 at 9:53pm by Sun_Kissed18
Is it done differently in USA? Cause in UK most places it goes straight into your bank account. "/
#6 - On 11/11/2009 at 10:19am by jakeJIGSAW
Exactly why most workplaces in the US are now requiring direct deposit (when the money goes directly into the account) to prevent something like this from happening.
#43 - On 11/11/2009 at 1:57pm by evangldbrg
US banking market is much more fragmented than UK. Checks (cheques) are much more common as well. It took some getting used to. My landlord in US wanted a monthly cheque, whereas in UK most people want a standing order
#52 - On 11/11/2009 at 5:29pm by drimpossible
Too many negative votes, comment buried. Show the comment.
Rest easy. I fucked our girlfriend and she confessed we've never made her orgasm that hard before.
My thoughts exactly. Unless the OP endorsed it before going the bank (something hilariously stupid that would allow whoever got their hands on the check to cash it) they would have to commit forgery.
yeah...I think this may be a fake post just to get on the front page. You usually need the check endorsed, and a lot of banks actually require the original person's ID. even a copy of it.
1 - Get direct deposit
2 - Pretty sure he can get arrested for check fraud or theft or something. I'd go to the police.
#10 - On 11/11/2009 at 10:25am by _elly_beth_
How did your roommate take your money? If he was cashing your check, he would have had to present ID. Otherwise the money would have been deposited into your account, where he (presumably) couldn't get at it. Though I suppose it's possible that he could have also "borrowed" your ID, if the two of you look similar enough to fool a bank teller.
In any event, that's clearly theft. Report it to somebody immediately. I would suggest your RA/housing authority, since you're living in a dorm. They might be able to solve it, which will spare you the hassle of filing a police report, etc.
Yeah, what #11 said. You have to have an ID to cash a check, otherwise it goes straight to your account. Tell him you're claiming ID theft if he doesn't pay you back in like a week, because you definitely can.
#12 - On 11/11/2009 at 10:32am by thisyearsgirl
you dont need an ID to cash a check if the person endorses it over to you aka signing the back. he probably just forged his roommates signature and cashed it himself. ive done that with checks for close friends who dont have their ID with them, dont have a bank account, etc.
I've done that, too, but it required me showing MY ID to the bank teller so they'd know it was legit.
#47 - On 11/11/2009 at 4:12pm by dudeitsdanny
I don't need ID when I deposit my paychecks because I have a debit card that I have to swipe first so that the bank teller can pull up my account (I use TD Bank). If someone knew my PIN and stole my card they could cash it, so I never leave my card or checks lying around anywhere. I also never ever sign the endorsement line on the back until I actually get to the bank.
HOWEVER if you actually cash in a check at a bank and don't have your debit card or don't have an account there they'll still do it as long as you have ID. It varies from bank to bank I think. And there are check cashing places that aren't banks in my town too (they de
#57 - On 11/11/2009 at 6:43pm by kazkazkazkaz
while he's out, take items of his which equate to the value of the cheque to the local pawn shop.
case closed.
#14 - On 11/11/2009 at 10:48am by feminist19
a lot of licor stores in "bad" places around DC/MD would cash his check without ID. Also, if you have a Citibank account you can deposit it and the funds are available immediately. I bank with Citibank and realized this after I deposited a check from my pets health insurance, the funds were available to me that moment!!
#16 - On 11/11/2009 at 10:55am by patticake1601
So did he forge your signature? Or were you stupid enough to sign it before you got to the bank to do whatever you were going to do with it? Either way, he's in trouble.
And for those of you saying you need an ID, that's BS. I have never once had to present ID at National City to either deposit or get cash back. So if that was the case with OP, all the roommate needed was the check to have already been signed and he was good to go.
#17 - On 11/11/2009 at 11:00am by Mommy2KAR420
I use Nationalcity and i ALWAYS need my ID to take money out. I would be a little concerned if your bank isn't asking for your ID. Unless they know you on a first-name-basis.... then duh.
Assuming what op's roommate did what #16 said and cashed at "bad" places, you still deserve it for 1) not writing "deposit only" and 2) not putting it at a safe place.
Just because he's your college roommate doesn't mean he wouldn't pull something stupid or occasionally illegal. YDI for not taking precaution.
#21 - On 11/11/2009 at 11:18am by fmlanonymous_00
You are an idiot. Why would you blame the victim of the crime? If someone got shot outside a store, are you gonna say YDI for standing outside the store? You should've been more careful, how can you assume he wasn't gonna shoot you? What kind of retarded logic is that? Do you live your whole life assuming every person you meet will do something illegal?
I agree--you can't blame the victim for getting shot outside a store or raped in the middle of the night or run over by a car etc. I'm sorry for OP that his idiotic roommate stole his money, but this is not the same as getting shot outside a store like the analogy you made. Taking the precaution to protect your money is a simple common sense, whether you see a theft coming or not. You can't prevent your roommate from stealing your money, but you can make it difficult to do to begin with. I lived and worked in a dorm, and it's a known fact that most dorm thefts can be prevented by simple precautionary measures. No, I don't assume everyone in my life has ill intents but yes, it's my responsibility to take the initiative to protect my own stuff, so hold off calling me an idiot until you can come up with a proper analogy.
In any case, OP is more likely than not to get his money back. Take it as a lesson and don't let it happen again.
#42 - On 11/11/2009 at 1:52pm by fmlanonymous_00
Maybe he should have been more careful, but if they're roommates I'd assume he probably trusted the guy, therefore he can't have deserved it. It's not like he left it on a park bench or something retarded like that.
Running into him after the police get through with him for fraud and identity theft will be awkward....
#24 - On 11/11/2009 at 11:24am by ozymandias
Small claims court.
Also I think a beating my be in order.
#25 - On 11/11/2009 at 11:26am by Brooklynxman
Be defensive. Your money is not gone, your roommate stole from you and owes you the money. Don't just consider is lost change, do something about it and don't stop until you get all of the money back at the very least.
#26 - On 11/11/2009 at 11:28am by Tubasaurus
fyl for that happening, but if you didnt do anything then thats also a ydi dude
sue his ass
#27 - On 11/11/2009 at 11:28am by cheergurlxx2
I find this false and hard to believe. Unless you had signed the back of the cheque or cashed it in, no one else has the right to use that cheque. So even if he gambled it away, the guy who won won't be able to use it anyways.
Your roommate is guilty of fraud if he cashed the check. You can have him expelled for that, as well as arrested. I would suggest doing both.
Definitely call the police. You have a "written" confession from him. He had no right to take your money, your name was on the check not his.
And next time, hide your money. I know it's hard to do in a dorm but either cash it right away or find somewhere to hide it.
#32 - On 11/11/2009 at 12:18pm by weddingbelle09
wtf people? There's no way this is real. The guy can't cash a check if its not his name on the damn thing. No one can use that check but to the person its signed to. Meaning this FML is fake.
No...
There is such a thing as signing over a check. If OP signed the back he would have just had to sign his name (in which case YDI). The roomate could have forged his signature as well. Eithe way you do need to file a police report, I would not trust your roomate to pay you back.
#36 - On 11/11/2009 at 1:06pm by KarasuFyre
That is theft, and assuming your roomie cashed the check, it's fraud as well. It's possibly identity theft, too. Your roommate could end up in jail for a long time. Tell him if he doesn't give your money back that you'll call the cops. And don't delete that text just in case.
In the future, keep your money where it's safe or do a direct deposit.
tell your roommate he'd better get your money back soon or you will be calling the police, as well as a lawyer.
#40 - On 11/11/2009 at 1:24pm by someone1989
Also, the guy could have went to an ATM and deposited it into his own account, assuming he has one.
#41 - On 11/11/2009 at 1:46pm by Darthbane2007
oh dont worry OP if he went to an atm and deposited the check he gonna all the suddent notice the amount of the check missing from his account when the bank processes the cheque's and the bank will probaly call you to check if you let him deposit the cheque in his account and then you just tell them no and that he stole it simple as that
#44 - On 11/11/2009 at 2:38pm by Mylife_is_so_fd
FAKE. He wouldn't be able to cash your check, because he would need to show ID, and obviously, he isn't you. The only way to cash it would be for him to put it into YOUR bank account, which he wouldn't be able to withdraw from.
to everyone saying you can cash a check without an id, where the fuck do you live? every place ive been to to cash my paychecks or deposit them at the bank checks my id. and this is in several towns in new york and a few places around los angeles. to the OP: lock that text, tell him he owes you your paycheck plus some interest. if he refuses/doesnt within a day or two then go to the cops and get him charged with theft. and to make things less awkward for the rest of the school year, talk to your RA and see if you can get your room/roomie switched.
#46 - On 11/11/2009 at 3:28pm by kisseshugsdrugs
Shit man, if it was me i wouldve kicked his ass, get the money back
#53 - On 11/11/2009 at 5:30pm by Unluckyshit
This FML is complete bullshit. Anywhere in the United States you need an ID to cash any check, anywhere. So even if he did manage to cash the check, the OP would have no problem getting his money back.
This. Unless your roommate also looks like you and stole your driver's licence, there's no way they would have let him cash the check.
In Canada, the only way someone else can cash a check written out to you is if you sign the endorsement line on the back. In that case, if you left an endorsed check lying around it's your own fucking fault.
#56 - On 11/11/2009 at 6:27pm by kazkazkazkaz
More and more FMLs about people taking others money. I really can't imagine someone so immature to think that they will do whatever they want and get away with it. But these FML are continuously proving me wrong.
I'm sorry OP for living with this kind of person, I also shared flats with other people but we setup the boundaries from day 1, never had a problem.
My suggestion to all who are reading this, people are raised different. Just tell them what are the limits and assure them that they are non-negotiable.
#58 - On 11/11/2009 at 8:16pm by Andr3wAxel
Then you take his stuff and sell it. Preferably his computer holding the only copy of his university dissertation.
Kill him. Send a suicide text to his parents from his phone.
#61 - On 11/11/2009 at 9:10pm by CallMeHush
No matter were or who you live with you don't leave your money laying around. YDI for not putting your money in a place that no one would steal it from you.
#63 - On 11/11/2009 at 9:46pm by JellyMelly
umm how can your roommate cash your check with your name on it?
#65 - On 11/11/2009 at 9:54pm by ooohlife
Tell him to give you double the amount the check was for within a month or you're sending his ass to jail for check fraud.
#67 - On 11/11/2009 at 10:02pm by NumberZine
First off, you shouldn't have just left that laying around. There are plenty of places you could have put that where it was more safe (hell, even a pants pocket would do). Second, what your roomie did is called identity fraud, not to mention check fraud. Don't bother trying to extract your money from him (it's highly improbably that you will anyway); just report him to the authorities.
#72 - On 11/12/2009 at 2:09am by blastvortex
good news: your roomate leagally owes you that money so you have the right to take him or her to small claims court. and make sure you make them pay all the court fees too. good luck, hope you get it all back (and maybe even a lil extra for your roomate being a D-bag)
Either this is fake, or you're a complete idiot. You cannot cash a check without signing it. Unless your roommate signed it fraudulently (in which case you are entitled to take him to court), you probably just signed it and left it lying around, which is stupid and is completely your fault.
#76 - On 11/12/2009 at 10:55am by FinnGirl12
Um, your roommate shouldn't have been able to cash your check if it was in your name. Could be a good FML, except that it's fake.
#80 - On 11/12/2009 at 3:58pm by so_bored_at_work
that is hard core illegal and you should get the money back from the bank for making an unauthorized cashing of a check
I would kick the shit out of that kid. Plain and simple, and then i would take whatever he had of value and sell it or just keep it because i could. and if he had a problem with it id slap him and tell him to go to his room, which would now be the hall way.
Someone needs to teach that gambling son of a bitch some manners. Basically kick the shit out of him. I know that's what i'd do, but i'm just saying.
#92 - On 11/17/2009 at 4:57pm by hercules268
I'm not sure I believe this, seeing as it's illegal to cash someone elses cheque unless that person is with u at the bank teller, with id and signs for it.
his shit would all be outside the door when he came home if that was me...locks changed and all dont be a pussy cant have a theif as a roomate
#97 - On 12/03/2009 at 12:41am by da_byrdwatcha
