i received three money grams in a fed x envelope. i had signed up with several on line programs so i was pleasantly surprised but weary. i asked the lady at the bank if they were goodf, she said yes!!! now over a week later, the bank says i owe the money back and that they are counterfeit. thankfulkly i didnt spend all the money, but did spend enough to put me in some debt with my bank. they weren't checks. they were money grams!! she said they were good. why am i now responsible instead of the person who signed and sent them. please help.i did not sell anything or purchase anything. the bank teller said they were good before cashing them.