Medium riskRental & Housing Scams

Roommate Deposit Scam

In this scam, a supposed roommate or subletter either takes your deposit for a room they do not control, or overpays you with a fake check or transfer as an incoming tenant and asks for the difference back.

Quick verdict

Risk level
Medium risk
Scam type
Deposit / overpayment (house share)
Main red flag
A roommate deal involving an upfront deposit before meeting, or an overpayment to refund.
What to do first
Meet in person, verify the room and the lease, and never refund an overpayment.

What this scam usually looks like

In this scam, a supposed roommate or subletter either takes your deposit for a room they do not control, or overpays you with a fake check or transfer as an incoming tenant and asks for the difference back.

Example message pattern

Example pattern — not a real report
Example pattern: 'I'll take the room sight unseen and send extra to cover utilities, just refund me the difference once my check clears.' Or: 'Send the deposit now to hold your spot.'

This is a fictional, anonymised example used to illustrate the pattern. It is not a verified real message, and any names are used only to show how the scam typically reads.

Red flags to watch for

  • A deposit requested before you meet or see the room
  • An incoming roommate who overpays and asks for a refund
  • Payment or 'overpayment' by check, e-transfer, or transfer
  • A person who avoids meeting in person or by video
  • Pressure to commit quickly to secure the room

What to do

  • Meet potential roommates in person and view the actual room
  • Verify who holds the lease and that subletting is allowed
  • Never refund an overpayment; wait until any payment truly clears
  • Use traceable payments and put the arrangement in writing

If you already clicked or replied

  • If you sent a deposit or refund, contact your bank to try to recover it
  • Expect any fake check or transfer to be reversed
  • Keep all messages and payment records as evidence
  • Report the person to the platform and local fraud authority

What not to do

  • Do not pay a deposit before seeing the room and verifying the lease
  • Do not refund any overpayment
  • Do not rely on funds that only show as 'available'

Similar scams

High risk Rental

Rental Deposit Scam

This scam advertises a desirable rental at a low price and demands a deposit before any viewing, then disappears once you pay.
High risk Bank & Payment

Overpayment Scam

A buyer, employer, or 'client' sends you a payment or cheque for more than they owe, then asks you to send the extra back. The original payment is fake or is later reversed, leaving you out of pocket for the refund you sent.
High risk Rental

Vacation Rental Scam

This scam uses a fake or hijacked holiday rental listing, often with copied photos and a below-market price, to pressure you into paying a deposit off-platform by bank transfer for a property that is not actually available.

Frequently asked questions

How does the overpayment version work?
An incoming 'roommate' sends more than agreed with a fake check or transfer and asks you to refund the difference. The payment later reverses, leaving you out of pocket.
How can I share a rental safely?
Meet in person, view the actual room, confirm who holds the lease and that subletting is permitted, use traceable payment, and put everything in writing.
A roommate wants to pay a deposit before meeting. Is that risky?
Paying or accepting a deposit before meeting and verifying the room is risky on both sides. Arrange a viewing and verify details first.
I refunded an overpayment. What now?
Contact your bank immediately to try to recover the funds, keep your evidence, and report it; the original overpayment will likely be reversed.

Last reviewed: June 2026

Disclaimer: This page provides educational information only to help you recognise common scam patterns. It is not legal, financial, cybersecurity, or law enforcement advice, and it does not confirm whether any specific message, company, or person is genuine or fraudulent. When in doubt, contact the official organisation directly and report concerns to your local authorities.