Yes there are "rip offs" all over the place.
I was delivered a fake (very authentic looking too) cashier's check by
FED-EX in 2006 for the amount of $3000.00......can you believe this..., no kidding. It was from Sunchase Bank, so I went to see if it would cash at Wells Fargo Bank and WF denied the check, next (knowingly it was not real, but I wanted to see how far it would get) I went to another cashier place and the clerk called Sunchase bank, and there were no funds to back up the check.
When I got home, I personally called Sunchase bank and reported that it was a fraudulent check made out to my name and address, and delivered by FED-EX. I have no idea who sent it, who had my personal information, except that it was a special delivery.