Integrated Payment Systems review: Money order returned by the bank 1

I received a so-called grant check from Pro-grant solutions 06/07/2011 from filling out a 2 minute form online in april. The check was in the amount of $986.38 issued by Intergrated Payment Systems an Key Bank National Association. What led me to believe it was a scam is that the person that sent the check wanted 4.01% commission which is $401 sent back to them loaded on a Greendot moneypak card! Buy the card for $4.95 and load $401 and fax them the moneypak Activation number not to mention, the letter they sent me was attached to the check and with the direction and the letter said if i fail to do this within 5 days after I receive the check that it was going to reflect negativity on my credit report and they misspelled a word onthe attached letter which did, nt look so professional! I still have the fake check and it reported! What I don't understand is the government and BBB knows thats there are scam artist out there and when you report it all they con do is give you advice on how to recognize a scam! What are they good for?