Robert Miranda, J. Mayer, Robert Ford are all names used in a scam to commit fraud that is not covered by any financial institution if you do fall for it. Currently tracking SMS user ID #'s on a line from 1110440500 through 1110440603 all attributed to this group using the Delaware number but are likely located in India.
The fraud group will send you a check hand want you to deposit into your account. how the fraud works> This is a bogus check with a false acct/routing number. Notice the check's company logo may not match the address or company on the mailer and also does not have a phone number to contact. The perpetrators will claim the company is just one of their delivery companies. They will want you to "wire" money to a person they call a vendor. So now you got to ask yourself why am I a middle man? why don't they just buy me the supplies? the perpetrators will claim "when you wire the money the vendor will know where to send the supplies," but wait a minute why doesn't the supposed company just send the vendor the address? Well, once you have deposited the check, this gives about 3-5 days before the bank declares and reports the bad check, this is why this type of fraud requires you to send back money or have you send money to a 3rd party before the check clears. Once you deposit a false check, this makes you liable even if you did not know it was a bad check. So, if you send off the money that the check was written for before it clears, you are now liable for that money.
Fraud insurance at any bank does not cover this type of fraud because you assume responsibility for anything deposited.