Published: Sep 20, 2012 11:07 PM EDT
Updated: Sep 20, 2012 11:27 PM EDT

 LEE COUNTY, Fl. - It's your money and your mortgage!  The Lee County Sheriff's Office says a new scheme could cost you big bucks if you're not careful.

It starts with an unsolicited letter claiming you're owed a refund worth thousands of dollars.

One Lehigh Acres couple WINK News spoke with got a notice saying they were owed up to 75-hundred dollars because they were overpaying for their mortgage.  But after taking a closer look at the letter, they decided this was probably just too good to be true.

"It's unbelievable it all started with a letter that I just thought was junk mail," says Linda Harclerode says.

Mail that claimed Linda Harclerode and her husband might be owned a mortgage refund worth thousands of dollars. 

"It was scary... it was like where did this come from?" she adds.

The letter came from a company called 'The Mortgage Auditing Program.'  While the possibility of as much as 75-hundred dollars back seemed great, Linda says the other numbers in the letter raised some red flags.

"Nothing matched up, the date of our mortgage, the amount..." she adds.

So they called the Lee County Sheriff's Office Fraud Unit.

"We did find numerous complaints on Better Business Bureau about them... deceptive advertising, misleading information, not following through," says Beth Schell with LCSO.

Beth Schell says when they called the company, they found out before seeing any refund money, the homeowner would have to pay 300 dollars, o the company can review all payments to your mortgage lender.

"Unless you have contacted a reputable company that you've done your homework on to make sure that it's legitimate, don't respond to things that you just get randomly in the mail, or random emails or random phone calls," Schell adds.

A warning Linda hope more people will take seriously.

"There's predators out there just waiting so don't think that something's just junk mail, take the time to look at it and if you dont feel good about it, the Lee County Sheriff's Office has an entire department set up to help us," she adds.