Quote Quoting shine9004
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The money order was returned for being altered/fictitious.
In all probability it was really counterfeit. However, because of the uniform commercial code and case law explained here http://www.mondaq.com/unitedstates/x...terfeit+Checks a bank can send a check back through the Fed "altered" and hopefully get a recovery.

However, had you not had any money in your account, Chase would have been screaming, "counterfeit," trying to avoid the loss.

Quote Quoting shine9004
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what bank account did you have and what led to it closing?
Banks close accounts for high risk customers. Customers that are easily duped into depositing fake checks are high risk.