Today's mail: scam, fraud, and cash

I had three entertaining items in the mail today:

  1. an equity loan offer with highly deceptive terms, from a company with an important-sounding name that was obviously made up for the occasion.
  2. a transparently fraudulent "loan modification" offer pretending to be from the bank that holds my mortgage.
  3. a report that really was from my bank, informing me that my escrow account is so healthy that not only are they cutting my mortgage payment by $150/month, but also that they're legally required to refund the excess money that's accumulated, so here's a check for $1,500.

So, one out of three for the day. Not bad.