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KEYSTONE HEIGHTS, Fla. -- Margaret Beck, 74, has heard of phony check scams, but never imagined she would be a victim.

"I had nothing to do with nothing," said Beck, "but I am the victim on this scam."

It started last summer. Beck said a friend of William Henry, her grandson, was paid with a bogus check to work for Monster Energy Drink.

"She was supposed to do so much work and ads and wrap her car," said Beck, "Monster drinks said they know nothing about it."

Beck said her grandson, William, deposited the phony check into his account;after four days his friend usedthe moneyto pay bills. Then the check returned as bogus and the bank sent William a letter.

"In the letter to my grandson they wanted their money," she said.

William's account did not have the money, but Beck said because his mother's name was on his accountthe bank tried to get the money from her.

"They went to her account and she had no money," said Beck.

That was not the end of it.William's mother, Georgeann is Beck's daughter and her name is onBeck's account.

Beck said she was surprised whenthe bank then took the money from her savings, $2850.

"I was saving that money because I had problems with my air conditioner," she said.

Beck, a widow living on a fixed income, wants to know why she has to pay for someone's mistake. It was not her check.

"I'm surprised that the cashier at the bank did not catch the check as a bogus check," said Beck,"it just had the name of a bank and no city that it came from."

Beck'sfamily would like the bank to reimburse her $2850, since she had nothing to do with the phony check.

"When I put my daughter on myaccount the information wasn't divulge to me that if she wrote a bad check," said Beck,"it would come out of my account."

Beck said her experience should be an alert to anyone cashing a check that could be bogus.

"I hope they can catch these people behind this scam because times are hard and money is tight and a check looks good," she said.

Why couldn't the teller determine the check was bogus and refuse it?

Checks are accepted based on your identification and federal law requires you to have access to the funds within one to five days, but the actual processing takes longer.

So who is responsible? You are if you cash or deposit a bogus check.You're in the best position to determine if the check is legit- you are the one who dealt with the person who gave it to you.

Beck'sbank is reviewing the case to see if Beck should be held liable for what happened with her grandson's account.

Learn more onbogus checks at www.fakechecks.org

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