Are you following up on a complaint? A well informed consumer is the best defense against fraud and deception.Learn how to protect yourself with our resources. Beware of scams and fraud! DOF will never send you a text message or email asking you for a username, password, security code, or other personal information. Fraud is a tort in New York. The tort of fraud occurs when one person takes advantage of a second person through trickery or other dishonest schemes. The theory behind this rule is that the Depository Bank is in the best position to uncover a forged endorsement. Mail fraud is increasing at an alarming rate in the US. Ensuring the security and privacy of customers is our top priority at PostScan mail. In romance scams, a criminal uses a fake online identity to gain a victim's affection and trust.