Hello, so I'm probably the biggest idiot ever. I matched with a girl on HER, and after a talk, we switched to Instagram. The Instagram matches the HER account. For the past few days we have been talking and then she started talking about how beautiful I am and that she wants to draw me and make a painting for her boss for an art gallery in a museum on Monday.
I... may have let things go too far, and she sent me a check for $1,500.00. I deposited it, and it actually went through! She said to send $1,000.00, and I keep $500.00. We tried through Zelle first, and it didn't work through multiple accounts. Then, she convinced me to make a Cashapp account, verify myself, and I added it to my Cash app. Then, she said to convert it to Bitcoin, and I did. All the transactions went through successfully.
Then the next day, she said she needed more money because the art supplies store raised their prices, so I did the same thing, deposited a $1,500.00 check, but this time it didn't go through. Then I said I would send the 500 that I kept back. We tried through Zelle and it worked. I then tried to back out a few times and it just escalated and then I was texting her boss.
I have since blocked everything—phone number, email, Instagram account etc. I now have multiple transactions pending; the two $1,500.00 checks are labeled as a "returned deposit item" and then there are the Cashapp and Zelle transactions, one for $500.00 and one for $1,000.00. So, am I basically screwed? They emptied my account and now I'm in the red for $254.33. I can recover from this with my next few paychecks to get me out of the red, but I'm worried the scammers will just take that money out of my account again as well as overdraft fees. Is there literally nothing I can do except build it back up over time? If possible, I would like some advice. Thank you.
UPDATE: I talked with my bank, and they said they are disputing the charges and will do an investigation, and I will get a response when the investigator is done. They said I should receive a letter in the mail within 90 days. They also said that with the Zelle transaction, if they find that the transaction is fraudulent, which it is, they will credit me back within 10 days.