Loraina Aguon went to the United States Postal Service's Guam Main Facility in Barrigada to see if her tax refund check had been delivered. What she found instead was a priority mail envelope with a check from Lyncrest Store in Overland Park, Kansas.
"I was like, 'I don't know this address.' So I was lining up to pick up a package and I opened it and saw the check," Aguon said.
The check was cut to her name in the amount of $2,450.
"I didn't apply for any loans from Virginia Credit Union," she said.
Aguon asked the staff at the post office about the suspicious check. They told her they didn't notice anything strange, she said.
Not in the system
She reached out to the credit union to verify the check and find out how the institution got her information.
"The representative asked me for the check," she said. "She was like, 'Oh no, we've been getting a lot of reports about fake checks and that's not in our system.'"
The check was signed by a Scott E. Capolla, which the bank told her was a name they had seen on other fake checks.
The credit union representative informed Aguon of the scam. She said cashing it could have resulted in her account being frozen.
"If we get it in our account and later it bounces and the bank finds out and we spent any of that money, the representative told me I would have owed that money to the credit union," she said. "I am glad I did my research."
Aguon immediately posted a photo of the fake check on social media to alert others.
'I was just surprised'
"I'm so glad my identity wasn't stolen. I was just surprised they had my address," she said. "I was just worried someone applied under my name. But, it's fake."
Aguon plans to report the incident to the Office of the Attorney General of Guam.