A friend of mine from Brooklyn recently opened a new bank account, and he was supposed to get a check book in the mail.
A few days later he gets a call from a local branch if he wrote a check of $1200 to Mr so and so, who is now in the branch to cash it, the teller was even holding his license, he said no he never even got the check book, they let the person go free, they said they are not allowed to do anything to such a person, he must report it himself to the police.