Voices for Voices®

When Your Paycheck Disappears: A Public Safety Alert on Financial Fraud (Ep 301)

• Founder of Voices for Voices®, Justin Alan Hayes • Season 4 • Episode 301

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When Your Paycheck Disappears: A Public Safety Alert on Financial Fraud (Ep 301)

Justin celebrates reaching over 300 episodes and reflects on his journey to help billions of people through this platform of sharing important information and experiences.

• Banking fraud is occurring where individuals' paychecks are being intercepted before reaching their accounts
• Fraudsters are impersonating account holders at banks, redirecting funds or closing accounts without authorization
• These same bad actors are also intercepting physical mail, preventing victims from receiving bills and important notices
• The problem creates fear and financial instability for people who suddenly stop receiving their expected income
• Banks need stronger verification systems like biometric scanning and voice verification to prevent unauthorized account access
• Regulatory bodies and law enforcement need to take these cases more seriously when reported
• This issue represents a significant public safety concern affecting real people's ability to complete projects and maintain financial stability

God bless everyone in the entire world, past, present, future and heaven, and God bless the United States of America.

Chapter Markers

0:00 Celebrating 300 Episodes Milestone

7:41 Understanding Banking Basics

18:55 The Disappearing Paycheck Problem

26:40 Impersonation and Financial Fraud

36:12 Mail Theft and Broader Implications

44:15 Call to Action for Banks and Regulators

#FinancialFraud #PaycheckProtection #MoneyManagementTips #FraudAwareness #PublicSafetyAlert #ScamPrevention #ProtectYourIncome #IdentityTheftAwareness #BudgetingBasics #FinancialLiteracy #ConsumerProtection #EmergencyFinanceTips #FraudulentActivityReport #SmartSpendingHabits #SecureYourFinances #justiceforsurvivors #justice4survivors #VoicesforVoices #VoicesforVoicesPodcast #JustinAlanHayes #JustinHayes #help3billion #TikTok #Instagram #truth #factoverfictionmatters #transparency #VoiceForChange #HealingTogether

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Speaker 1:

Hey everyone, it's Justin here, voices for Voices. Just another episode bringing you some real content, real world information, public safety concerns, just trying to do the best we can, and that's what we want to do and share with you. I guess, first and foremost, I just had, uh, one of these icies, uh, these red uh icies, uh, cherry, and so, yeah, my, I guess, like I just realized, my son is super, super red, so you see that in my lips and I didn't realize that it did a number like that, but it's all good, yeah. So thank you for joining us on this episode. As always, we're just I say it a lot, but I mean it that we're just so grateful to have this platform, this opportunity to talk, to share, to provide information, share experiences, and it's just incredible to have you with us.

Speaker 1:

Over 300 episodes. I mean it's just incredible. And we're five months early and that just blows my mind. It's one of those things where we think about it in our heads and in our minds. We have our goals and so we start working towards them and, by the grace of God, we made it. We made it to 300 before the end of 2025 calendar year.

Speaker 1:

It's just an incredible feeling, feeling and hopefully it's an inspiration in whatever you do and whatever you want to do, whatever you are dreaming about, that you can do it, and it's all about perseverance. It's all about, you know, perseverance. It's all about passion, and you know we hear these terms all the time, and the one term that I think it's overused the most is epic. You know we tend to throw around, you know, the word epic, like, oh, this is epic or that was epic, and there may be some special elements, but it doesn't seem like everything that the individuals say is epic is actually epic. So I digress.

Speaker 1:

So back to, you know, past and present dreaming. You know we wouldn't be here if you know I wasn't given the opportunity by my mom and dad to dream, mom and dad to dream, to really go after, go after my dream, and what my dreams were as I was growing up are much different than they are now, as I'm in my 40s, and so my, my dream has been to help In one way or another, maybe in a small way, maybe in a big way, maybe through other individuals, other organizations. The big dream is to help 3 billion people, and there's a three and 300 for 300 episodes. So I don't know if that's any correlation, but that's just a fact. We're in the 300, episode plus, and it's just really a great thing.

Speaker 1:

And I know I spent five, six minutes here at the outset and you may think, just get into it, come on. But I'd be remiss if I didn't mention this because it's really important, because I wouldn't be here if it wasn't for God kind of coming and stepping in and interjecting, intervening in November of 2017. If not, I may not be here and that's scary to think about, but it's a fact that I was on such rocky and shaky ground and it was some of the scariest and fearful times of my life. So, really, to make it to where we're at, it's only because of you, it's only because you're tuning in episode after episode here in the United States, here in the state of Ohio or across the world. I mean it's incredible. We're just about at 80 countries distribution-wise. That by itself is incredible. And the hundreds of cities 600 plus, I believe we're at cities across the world. It's just mind-blowing. And so we wanted to just again, just thank you. We spend so much of our time on the negatives of what's happening or what's happened, and so to be grateful and thankful and to just share that appreciation that we have. It's authentic, it's real, it's the real deal and we definitely couldn't have done this, couldn't have gotten to this point without you, because if nobody was listening, nobody was watching, then we we'd have no reason to have a show.

Speaker 1:

Here we go, so let's jump in. This episode is again one of these raw life story event episodes, like all of them are. Like all of them are Okay, it's such a hard topic to talk about and I get it, it's hard to probably listen and to watch at times. But, trust me, I would much rather not have to talk about these topics. But they come up. And so we're going to again preface this, as we do with all of our shows, and if it's not said, it's implied. You know that the information that we share, that we shared in good faith and good faith, understanding that we believe the information that we're sharing is truthful, to the best of our ability, best of our knowledge and good faith, to the best of our ability, best of our knowledge and good faith. And so we've got to say that, especially for this particular episode, because it's going to hit at a deeper level than what we've discussed before. We've discussed part of this before, but it's been a smaller part of that when we've discussed this.

Speaker 1:

So anybody out there have a bank account. Anybody know what a bank account is. This isn't like to be so it's a downplay, anything, it's just we gotta start from the beginning. So we have to know the bank account is, and so I don't have the Wikipedia definition, so I'm going to instead give what I believe is the definition. Okay. So there's banks, so self-explanatory. So some of the names Capital One, pnc, huntington, and then credit unions, just to name a few and so these banks, they transact with money. So whether that is having a savings account. So maybe I remember from my first job I was working at Burger King and so I needed to open a bank account so I could put the money I made, so I could save money and then I could pay my bills with that money, and so the banks have different accounts.

Speaker 1:

So there's savings, where the main idea is, okay, we're planning on holding onto this money, we don't need it right away, and so we're going to put it in. You know, we're going to put it in a savings account, we're going to put it in a savings account. And there's a checking account where we still could be saving, but it's meant to write checks or electronically transfer the ACH transactions, the pay bills, to receive money. If you've heard of direct deposit, that usually comes through ACA, which basically helps, let's say, an organization pay their employees in an electronic manner versus having to hand out an actual physical paper check, because we're in the year 2025, and those paper checks still happen and those paper checks still happen. But electronic transactions are, I think they're, I think the electronic transactions. There's more electronic transactions than kind of paper, you know, coming in with a check and wanting to deposit it and keep some or what have you.

Speaker 1:

So we have savings accounts, we have checking accounts, we have, let's say, we have a mortgage. So let's say our, the house, we or whatever we're buying real estate. Let's say and I'm just throwing numbers out so this is a specific piece of property, but let's just say that a $100,000 home and let's say we have $10,000 to put down, so then that would mean we would owe $90,000. And then the way banks make money is by charging interest. So you may be familiar with interest rates, be familiar with interest rates. The higher the interest rate from a savings account standpoint is good because, right, you want to have an interest rate that's higher so you can make more money in that, make more money in that.

Speaker 1:

Now, on the other side, an interest rate for purchasing a house or any type of, when that goes up, that's not good because that means okay, in this example of we have this $100,000 property, we have $10,000, we owe $90,000 plus interest 7%, then that means the amount of money owed that we would owe on that particular property would be $90,000 plus 7%. And so we want to. From a payment standpoint, we want to pay less, so the lower the interest rate, the less. From a payment standpoint, we want to pay less, so the lower the interest rate, the less money. Because most banks don't lend out money at 0% interest when they're talking about buying a home. When they're talking about buying a home, because these big buildings they're not built by themselves, they're built with money and it comes from customers like you and me.

Speaker 1:

And so I'm going into some of this detail for good reason I want to establish this foundation so we all can understand what a bank is. And so let's say let's say you have a job, a vocation, a career. Let's say you have a job, a vocation, a career and you're paid $2,000 every two weeks. Well, you have $2,000 and you have all those taxes and deductions and then what's left is called the net income. So let's say you get paid $2,000, but with all the deductions and taxes, the net income after all that is $1,600. So then every two weeks you would get either the paper check with the $1,600 made out to you or you would get the electronic transaction of $1,600 made out to you, or you would get the electronic transaction of $1,600 direct deposit into either a savings account or a checking account. And so that's kind of that process.

Speaker 1:

What's this have to do anything with Voices for Voices and public safety concerns? Well, here's how it has something to do with Voices for Voices. Let us go back to that example. We have employment. We earn $2,000 each week or no, every two weeks. So every other let's say every other Friday is when we get. We either get that paper check or whether we get that electronic direct deposit. And so after all the deductions you know, taxes, if we have money put away for investments or whatever, let's say it again, that $1,600. Let's say we're working income of $1,600.

Speaker 1:

No-transcript the first, let's say January, february and March, everything's going the same way. But come April, you're on a Friday, you're on a payday, and you realize that you're on a Friday, you're on a payday and you realize that you didn't get that paper check or you didn't get that electronic transaction into your bank account. And then let's say, oh, maybe everybody makes mistakes. We know that, right, we know what we all sin. None of us are sinless. Jesus was sinless and we're not Jesus, so we can make mistakes. So, in good faith, right, we would think, okay, maybe there's a mistake.

Speaker 1:

So we would reach out, maybe to human resources and we would say, hey, you know, maybe we wait till Monday Because we might say, oh, maybe it's electronically transacted, maybe something got held up and maybe it'll come tonight, friday night, or maybe it'll come tomorrow, saturday or Sunday. So you wait till Monday because, again, this is the first time this has happened. Wait till Monday. I'm in the work and still haven't. You're still employed, same place, nothing's changed, except for the money for the paycheck hasn't shown up in whatever form, hasn't showed up in check, paper check, it hasn't shown up electronically.

Speaker 1:

So you talk to reach out to human resources, they reach out to accounting and finance and and all the responses are. Well, we put the money through. You know we nothing changed on our end. Did you change a bank? Need to send, give us a new account number a bank? They need to then give us a new account number, the information which that happened, right, maybe we move and so maybe one bank is more, is closer than another. And he said, no, I didn't change banks. Same bank, as you know, last pay, you know, two weeks ago, and you know so many questions were answered and so HR was like, well, nothing changed.

Speaker 1:

It shows that. You know, we put the $1,600 after again, after all those deductions off of $2,000. Again, after all those deductions off of $2,000, and you put that $1,600 in our direct deposit process or our paper check process and you say, well, I didn't get it, like something's going on here and so you're upset, I'd be upset, and hr you know they're probably getting upset too they're probably like what's going on? Like they're just making this up to try to get like an extra paycheck, or you know, and because, right, that's out of the norm. It's out of the norm that this would happen, because in a majority of the cases, everything's working as well as can be, and if it's not working. It's usually not working for everybody, not just a specific person.

Speaker 1:

Okay, so now there's this whole idea of I didn't get paid, I didn't change banks, I'm still employed, human resources, accounting, finance their process didn't change. They show that the transaction went through just like all the other ones, and yet you're here without a paycheck. So how does this have to do with Voices for Voices, well, and public safety? Well, somebody who's employed gets payment, whether it's an every two week payment, or maybe it's a project payment. So maybe you work on a project and then, at the end of the project, you get paid, and so it might be a lump sum, meaning, instead of that $2,000, I'll deduct $1,600 every two weeks. It could be $20,000 or $30,000 after a project of six months, and maybe they do break it up and get paychecks along the way, or maybe you have to wait until the project's completed before you get paid.

Speaker 1:

In any event, same thing you either get the money. You know you get that net income either comes on a paper check or it comes, you know, electronically. You know direct deposit into your account, and those are all things. You know that you do the first week or so if you're at an organization, at a company, at a firm, if you're working on your own, like you're consulting, doing projects, entertainment, uh, you know, you, you would, you know, potentially be on kind of that project scale of like, well, when this project completed, we, we would get paid. Or again, project completed, we would get paid, or again, maybe some form of that money that's been negotiated you receive up front and the rest you receive on the project done.

Speaker 1:

So, anyways, there's all kinds of terms, all kinds of jobs, all kinds of professions, and so it comes with a public safety concern when the money that you should be getting doesn't come through and everything's set up the way it's supposed to be, nothing's changed. And so what's the public safety concern is who got the money? I didn't get the money, you didn't get the money. Everybody's showing us that we were paid the same exact way as we were before.

Speaker 1:

So somebody is intercepting the money, somebody is intercepting the money, and so that's where the public safety concern, because somebody or somebody who are unauthorized meaning I'm, in this instance, I'm the only one on the account, my name, my family, you know as a beneficiary in that and it's like okay, well, they don't have the money either. So somebody must have intercepted it, and so that's where the public safety concern because if somebody is intercepting my paycheck or your paycheck at some level or what's even more of a safety concern, probably safety concern, so that's kind of like that intercepting where to go, where, where the money go. That's one thing to think about. The second thing to think about is and this is happening and that's why we're talking about it so, in good faith and my understanding, this is happening to at least one person as we cut this episode or film this episode, or however you want to use the term, it's happening and somebody or somebody is in the middle intercepting money that's not theirs as well as again, I guess this is in good shape.

Speaker 1:

This is from our understanding is also hauling around a different bank and impersonating the person who has that account and either saying, oh, you know, we want to close this account. We got a new account, send the money here. Or got a new account, send the money here. Or I don't even know how to say this but basically we're not working at this business anymore, this company or this organization, so you need to decline the transactions. So let's put this into practice. So somebody comes in, impersonates you or me to the bank or calls and impersonates us and I say, well, oh well, we have another bank account we don't need, we're not going to be paid through this account here. So if, for some reason, a transaction comes through, a deposit comes through, you just decline it because we let our organization know that they should actually be paying us through this other bank account. And so all this right me saying it.

Speaker 1:

It's hard to say, but basically it's somebody that's interfering with a person's ability to earn an income. It's somebody who's interfering. They're taking money that's not theirs, again, in good faith and, from what we understand, reasoning why we're doing this particular episode. And so that's why it's a public safety concern, because if this is happening to one person, it's probably happening to more than one person. So this is a public service announcement, public safety announcement For the general public as much as it is for banks and institutions that deal with money lending and having savings accounts or checking accounts and direct deposits and mortgages, and there's people impersonating people out there. It's on. So we need to be alert. People, we need to be alert about this. Banks we need to and I don't even know how to answer this. All I know is there's banks that are and I'm not trying to say anyone particular one that's complicit or not, I'm just saying it's happening. Whatever verification is being done or not being done by a bank, that needs to be looked at from a high level, because there's customers of yours, customers of the banks and credit unions that this is happening to, where individuals aren't getting their paycheck.

Speaker 1:

This even goes for mail, the snail mail. You know snail mail. You know the delivery of, you know the gas bill, the electric bill, junk mail, whatever. It's happening the same thing. Well, I went to check my mailbox and I haven't got mail for three weeks. Well, that's interesting because nothing changed. I live in the same place, same address, and yet I'm getting calls about certain things that were contained in the mail, but I didn't get the mail. So somebody's either coming to my mailbox, going to the mail. So somebody's either coming to my mailbox, going to the mail carrier and saying we're picking up the mail for this address or they're getting that mail forwarded or moved, or a PO box set up and the mail goes there and then an individual goes and gets that mail. That's the only way to really explain that and it's so crazy that we're even having to talk about this, but this is happening and you know we hear the words. Be vigilant and if you see something, say something.

Speaker 1:

These things are happening, folks. These are happening to people. This is affecting people's livelihoods they're not able to, where they may have been banking at one bank for a long period of time and then again somebody that doesn't have access and authorization from that person is going in and doing some things that aren't morally, ethically correct, for whatever reason. I don't know what the reason is and the reason doesn't matter. The fact of the matter is the people's livelihood, their payments, their paychecks. If they have a project that's coming out and money tied to that and earnings and royalties or whatever the name of it is, but it's a paycheck and it's not coming to you or me, something's going on.

Speaker 1:

If we're being told we're still employed, we're still the way, the organization or a person, whether being paid, hasn't changed. And yet when I go to the bank account like it doesn't show up. The money doesn't show up there. It should be there. And I talked to, or I talked to an organization and they said well, nothing's changed. You know we're using the same bank account. Here's your routing number, your checking account number. You should have gotten it because we sent it. So, folks, we got to wake up. This is not right. This is not right. This is not right. We should not be allowing.

Speaker 1:

And the reason I'm bringing this up is because it's happening. It's at least happening to one person I know, and it's having a big effect and it is not okay. And this isn't one of these, you know, childish type of things. This is a real deal, real life. It's happening. There's banks involved, there's other people involved. There's stuff going on that this individual who has an expectation to make a paycheck and have money come into a bank account where they have this individual as an authorization and hasn't given anybody else, and yet the money is disappearing. Or they're getting a call from maybe the fraud department saying, hey, we got a call from you earlier today saying that you no longer are banking with us. Is that right? And then the bank starts questioning the person, like, no, I didn't call. Well, it sounded like you know, they gave, you know whatever the security question answers or whatever. And that's how we know.

Speaker 1:

Unfortunately, there's people that there's people that follow the law and laws and the people that don't and that's just the truth. Go into any given courthouse it's not on a holiday or a weekend and you'll see things that are going on. You'll see cases, you'll see judges, you'll see attorneys, you'll see clients. You'll see all that. So that's a fact, that there's some people that aren't following the law, and so this is a wake up call for banks. So you know that this is going on and it needs to stop. So you know that this is going on and it needs to stop. This type of activity needs to stop. People should not be afraid to open up a bank account and be afraid that the money from a project or a job or a career or vocation is going to end up in somebody else's hands. Right, this is not okay. Banks, this is not okay. Regulators, whoever's out there that this is not right security-wise, and this impacts projects. Maybe a project can't be completed on time, or a project is expected to be done at a certain date and it can't be done because and completed because of these reasons, where somebody somewhere along the way is intercepting, is calling around the different banks to find out.

Speaker 1:

I don't know about you, but there's a lot of things that aren't bank-related, that aren't money-related, where we have to verify. Let's just say, to go into a club or a bar after a certain amount of certain hours, you have to show an ID. You have to be 21, or 21 or older to get in at a certain time. You show an ID and that's part of the process. And then we have right. We have fake IDs and all that to work through. But there's a process to get in to a particular establishment at a particular time of night and, trust me, I frequent plenty of bars and clubs in my days where I know what do you need? You need your ID and you need either cash, your currency or credit card if you're going to be buying anything or paying for anything.

Speaker 1:

So how are banks and banking establishments, how are they cutting off banking relationships and intercepting money and even the mail? How are people intercepting the mail that's supposed to be delivered to one place? How is that possible? Isn't there some type of an enforcement out there? I don't know. I think there should be. I would think that's part of what taxes and all that goes to is some type of enforcement.

Speaker 1:

So I bring this up because it's relevant to Voices for Voices, because there's people and, like I said, there's at least one individual that, as we're speaking, as I'm speaking, as you're watching me, as you're listening to me, at least one that is having these things happen to them right now Not 10 years ago, not 20 years ago, I mean, maybe it was but we're aware of, in good faith, in fact, that we know there's at least one person that this is happening to. And so banks we need to wake up. Security we need to wake up. We need to let people, we need to make people feel at ease doing banking, to not worry that somebody's going to come in and intercept the money. They're going to close my account, they're going to take the money and then they're going to find out where I'm banking next and then do the same thing.

Speaker 1:

This stuff is happening and it's impacting projects. Projects can't get released when dollars and that are lined up to go into a certain account and other people are coming in. Because if it's not the company that's paying you or me, if they're saying, hey, we paid you and it's no different than the last time, then something's going on. I mean, it's just straight up. Right, it goes from okay, every two weeks I'm getting $1,600, but all of a sudden I'm getting zero and I'm still employed and nothing's changed my bank account and all that has not changed. Something is going on and that something is something that is a public safety concern and we need, as a society, as government, as regulators, we need to get to the bottom of this, because this is not okay. This is not okay. This strikes fear in the people who are working through this, because it's like, oh crap, like how am I going to get paid for my project and my work? And we shouldn't be having that. And so this is an episode for public safety, as many of our episodes are. It's not okay.

Speaker 1:

People are intercepting money from banks that are supposed to go to individuals. People are calling banks and getting information that they shouldn't be getting about individuals in their bank accounts, and it's also going on from the mail. People are getting their mail intercepted and they don't know they got a letter from I don't even know or a bill from I don't even know, and they're like, well, why are you late on paying? You know we're going to cut your electricity off. Well, why? Well, we've been sending the bill paper through the mail and you haven't paid it for the last three months. Like, well, I live in the same place I lived three months ago, and so those types of things are real life when your electricity goes out, the lights go out, when the phone can't be charged that's real life people.

Speaker 1:

This isn't some fantasy world here we're talking about. It's just not. So let's help each other out. Let's truly stop this activity where people are able to do this and people are being empowered to do it. Why? Because they're not being caught. They continue to do it.

Speaker 1:

The people sometimes that it's being done to report it and nothing's done, and so that displays and leads to a lack of trust from the general public about certain things. Like well, nothing's being done, so I don't know what I'm going to do. So, whether you're in the United States of America or another country, there's things that need to be done. I don't know how to do them. That's not my specialty. My specialty is bringing this to the attention of the general public, and it's a public safety concern.

Speaker 1:

People aren't getting paid or getting their mail intercepted, getting their bank payment, their paychecks intercepted. Information about their accounts is being given to people that shouldn't be having access. People are impersonating other people, right, I mean we should have we should have, you know this biometric scanning. We should have voice verification. These things should. I guess I was under the impression and I could be wrong that these things are in place, because that would stop that right away. Yeah, so that's our episode. Fun, fun, fun, right? No, it's not fun.

Speaker 1:

We need to stop making people fearful that they can't do something because people are stepping in and we don't know where along the way. This has happened, but it's happening. It's happening. So let's instill the trust of the public in our banking system and everything we do and everything we do, and let's Prosecute the people that are Stepping in and feeling empowered to do what they're doing Because it's illegal. They're not and what I'm talking about? This one individual in particular. They have not authorized, they have not authorized other people to be able to do what they're doing, so they have, for sure, not allowed an individual, or multiple individuals, or anybody else for that matter, to be on this, to be on an account, and they're finding out that there's calls being made on their behalf and it's it's not right people. We need to, we need to fix that. So if you're in a place of power and you're able to do something, please double, triple, quadruple check.

Speaker 1:

This stuff needs to stop and we need to start believing some of these survivors, not some of these. We need to believe all these survivors of any type of abuse, any type of activity. Leave all these survivors of any type of abuse, any type of activity and stop with the name-calling and putting people down. If they are a victim of some sort, it's not their fault. God did not say it's your fault. You deserve this and you got this because of this. No, let's do something. Let's come together. God bless you, god bless everybody in the entire world, past, present, future and heaven, and God bless the United States of America. We'll see you next time. Take care.

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Justin Alan Hayes

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