because we have reason to believe that they've stolen information like credit and that kind of thing of somebody else so we think it's a fraud ring and we believe that she's part of it everyone of them gave us a deep energy Bill everyone of them um said they're traveling nurses working out of Orlando and they all had out of state IDS so if you look at all of these bills there's inconsistencies with this you can see the font is different um even this font is different on these two ON NOVEMBER 1ST, 2000 TWENTY THREE IN OCALA FLORIDA OFFICERS WERE CALLED TO A LOCAL CREDIT UNION A 19 YEAR VETERAN BANK MANAGER HAD JUST UNCOVERED AN ORGANIZED IDENTITY THEFT RING THE MANAGER SPOTTED IT BY NOTICING THAT THE FONTS ON THREE SEPARATE DUKE ENERGY UTILITY BILLS DID NOT MATCH THAT SINGLE OBSERVATION ESTABLISHED PROBABLE CAUSE FOR A MULTI CHARGED FELONY INVESTIGATION hey ma'am hey so we got called here I guess that they had some suspicious activity from you OK so um if you wanna go talk to her yeah she's gonna go see why we've been called here okay give me one this give me one second okay no we need to talk to you okay can I I'm talking to my son's school no we need you to go in here I'm gonna just talk to you we gotta no what's going on can we just go in here please yeah thanks alright I can stay too alright let me know when you're done I'm sorry it's okay so what is going on okay so they called said that you were doing some suspicious activity um she's finding out what's going on right now just until we know that nothing's happening okay I'm just gonna stay here with you while she figures out why they called us okay okay dirty just open that now yesterday should be the reason for it OK we'll figure it out call you guys to question because we have reason to believe that they've stolen information like credit and that kind of thing of somebody else so we think it's a fraud ring and we believe that she's part of it okay is anyone else here that's on site it's just her okay and this is the ID that she provided with you yes for yesterday okay and today okay and she was here because we gave her a credit card yesterday and she immediately transferred money off of it like a cash advance and she was here to get the cash but that's been what every other person has done too um so they've just kind of all been red flagged into the same group which anybody can do what they want to with a credit card but it's because of all of the things matching everyone of them gave us a deep energy Bill everyone of them um said they're traveling nurses working out of Orlando and they all had out of state IDS okay all Michigan or just different states one was Illinois I don't know the other person yesterday I do believe was Michigan okay but I I can pull it up before you okay can you pull up everything um so what how much money did she take out or she hasn't we didn't give it to her yet we were still okay but she was trying to get 4,000 4,000 today cash cash okay to pay her rent but she owns something in Michigan she's working in Orlando but she's staying in Wildwood like it just kind of OK so give me everything what you have and then we'll go from there I'm gonna see what she's saying thank you OK what's your name ma'am um Madison Madison all right so um they called us I guess because they feel like there's some fraudulent activity going on um I guess you're traveling can you just tell me exactly I don't know what travel nurse okay I lived in Michigan and Illinois I owned over there I started traveling out here I work for an ambulatory regional I live out here with my friends I rent for 500 here in Ocala yes okay I gave him a Bill with everything on it okay it should have never been an issue yeah they're saying that I guess like I'm really not they flagged you um so do you have a Florida ID or have you been issued but you you're a nurse at O Arms in in Orlando okay yes so now it's gonna how long have you been a nurse in Orlando a year well not in our land I've been a nurse in general here OK back and forth I'm a travel nurse OK I'm a travel nurse alright so you reside in Ocala and you trans you go back and forth OK yes OK so um yes baby I hear you and you have never been issued a Florida ID I haven't been around to it yes you haven't been around to get it so the answer is no no okay alright and is this your correct information on this OK so I'm Officer Somar I'm kind of assisting OK um I'm missing since she's not worked from too many fraud cases OK um so if you could just kind of run me through what's going on OK I'm getting copies of everything um so basically we had already kind of been watching an account just us in this branch that we had opened about a week and a half ago because it was just very strange activity like the guy came in he said he was a traveling nurse perfect credit look beautiful on paper um income made sense with traveling nurse all of that everything seems kosher provided a utility Bill um for proof of residence because um he had a out of state driver's license this is the that person I'm talking about so an Illinois driver's license um we did kind of question because we're not familiar with the Illinois driver's license we you know whatever we looked up online it looked like all the same marks whatever so fast forward the m s R that helped him had to go in his account like the next day to see something like fixing something or doing whatever he's doing and he noticed really weird activity on his credit card and so you know we give people a credit card they can do whatever they want with it but we also are in this I've been in it for 19 years I know what people usually do with their credit cards and stuff and his just didn't make any sense he literally went on a shopping spree he paid for something that was like something with junk I don't know it was like a six thousand dollar transaction but anyway so we had kind of been watching that yesterday this young lady and another person no guy a guy came in that that guy the other guy that was up here when we go were what was their story they were together he came in wanting a credit card specifically which so did the other guy so the other guy that we had been watching um he came in wanting a credit card this guy came in wanting a credit card and an account they knew exactly like they came super prepared like I remember my other MSR also saying like I've never had a member come in that was so prepared usually if we need verification of address or something it's an issue because people don't come in thinking you're gonna have to verify right address so he came in looking for a credit card this guy yesterday he came in wanting a credit card and wanting a new account with us and um while he was here with her we mentioned to her you know do are you looking for the same thing or whatever so she never actually asked for it we we kind of like what we call cross sold it to her but all of the information that was given to us was kind of weird information just like he had given us does that make sense like it's out of state driver's license same Duke Energy bills and okay but they weren't together or yeah they were together in my office okay they did physically come in together yeah um so if you look at all of these bills there's inconsistencies with this you can see the font is different um even this font is different on these two and then the other one if it that was how they were gonna prove their address right and so now that we put them all together cause you know there were three different scenarios but when you put them all together you see okay well that's weird how are they all out of state they all live somewhere that has Duke Energy none of the bills like match um as far as the fonts and the third one is different may I see yeah of course and I'm gonna print the other one too which one did I mean so why was she leaving when y'all still had her driver's license she said we we told her we were getting her cash because she came to get 4,000 in cash so I said the tellers are working on that and I asked her some more questions because um it was our impression yesterday that the mortgage that she has on her credit report was for the house that she gave us the address for in Wildwood so whatever that address is for her this Madison this one okay um but now today she's telling me that the credit report mortgage is for her address in Michigan that's on her driver's license this is where she's renting and that's what she's wanting to get the 4,000 to pay rent for so you were the one that helped this him this and the girl okay Madison did they make any small talk with you say if they were like in a relationship or yeah they they were definitely in a relationship um they both met at Orlando Regional they said they're traveling nurses and they met there okay and that yeah they're definitely together um and they both live together no they they don't were they opening up an account together no separately well that's it's kind of what she said like he came in to open the account he left for a couple minutes to take a phone call and I kind of asked her like hey you know where do you bank cause you know just kind of how we do things and then she's like oh no and then basically that conversation initiated her opening up an account as well so I'm getting a detective on his way over here she's still talking to yeah I got Bowman looking at driver's license I'm having Channel 3 to send me the format for driver's license in Michigan for issuing date 2021 still talking to him thanks he's worried okay well uh that's you calling him OK yes alright I'm listening he could come and sit down with you if you need he just drove off he went to go get some food I told him OK yeah that's no problem so you understand the concern that the bank has yes I understand okay no in a way I'm sorry in a way cause why cause I open an account and I'm trying to pull out a big amount that's what they had explained to me okay yeah yeah I guess so so they're trying to find out if your ID is fake okay so we have ways to find out the fake you know is that your true identification or that you know 5 0 8 5 7 so they're trying to verify the you your identification they're trying to verify that and that was a detective that just came and spoke with you um yeah he's trying to figure out the whole fraudulent part of it all what do I have to see 3 8 6 6 now if you mess with advising this may be a uh 50 35 injury yeah no more help are you coming in yes I'm Detective Williams OK I was trying to support you don't mind my shaking alright I'm listening what I need you to do is give me your real name okay because what's gonna happen is you're gonna be booked at the jail under John Doe and I'm gonna put a bond on there where no one can bond you out okay so give me your name what is it J U L a sorry I'm gonna let you pee and then we're gonna go to the district well hold on a second and I apologize so I know you didn't come here alone where is he waiting for you at he left already no you guys from Orlando what kind of car does he drive it's a Honda a navy blue Honda and it's a rental OK it's a blue Honda I said light blue dark blue dark blue okay uh four door two door two door okay and where were you parked at when at Publix at Publix okay so you got you had a conversation with him are you sure he left or you told or he's gonna wait for you cause no he's not waiting for me I already said he like I already left okay so he no especially when he was waiting for you to call him back so you you come and pick you up if he's you gonna get released exactly so are you gonna call him and tell him hey you know I'm leaving come and get me why would I do that if he has nothing to do with this he doesn't have nothing to do with it ask for a ride okay what's his name bro why so if it's not the guy that's involved with you in this then let us verify that you understand what I'm saying cause at the end of the day I don't wanna all this is all this is gonna go down on you I get it but this is my doing and this is my face and this is my like thing I don't wanna involve somebody into something that they don't have anything to do with it I just asked him to bring it to the bank okay so I don't wanna involve him into something and then all I did is call him and tell him the cops are here but then I tell him to leave and then now I'm telling him to come back I wouldn't want to involve him like that to be honest this is my mistake is it not the same guy that was with you here the other day when you opened the account no that's somebody different yeah who's that guy um he goes by some guy named Moe to be honest no no but I just want to know about the call so let's get her to the district OK OK P yeah thank you so they probably go to your I'm gonna get her to it's literally five minutes up the road the district office honestly I've been waiting for like the whole time OK let it be OK please OK please I don't mind but that's the first over there I'm taking it out go ahead and put your hands behind your back Julia this is the other it's easier to just sit down first and then swing your legs around and watch your head which office did he say okay so put the door right here just have a seat uh the detectives are gonna be a little bit'cause they're still at the bank but as soon as they get here they'll come in and talk to you okay you want a candy bar we got candy bars what kind of candy bar alright Julia we've met already on the detective Wayne like I said earlier um what what's your address in Orlando um I don't have an address in Orlando I'm staying at an Airbnb you're staying at an Airbnb where I go to a hotel I don't have a OK permanent address you don't have a permanent address what was your old one um it's my grandma's house in Miami OK so before I can talk to you about the incident that happened here I'm gonna read you have you been arrested before never been arrested before OK so um you have right to remain silent anything you say and can be used in court or in court if you are charged with a lawyer have the right to a lawyer have the right to a lawyer and to have a fair and speedy question if you cannot afford a lawyer we will appoint one for you if you cannot afford a lawyer we will appoint one for you OK um THE INITIAL DETENTION RESTS ON TERRY V. OHIO DECIDED IN 1968 OFFICERS MAY BRIEFLY DETAIN A PERSON BASED ON ARTICULABLE FACTS CREATING REASONABLE SUSPICION OF CRIMINAL ACTIVITY THE BANK'S DOCUMENTED PATTERN OF FABRICATED CREDENTIALS EASILY SATISFIES THAT THRESHOLD HOWEVER DETENTION MUST REMAIN LIMITED IN SCOPE AND DURATION OTHERWISE IT BECOMES A DE FACTO ARREST REQUIRING FULL PROBABLE CAUSE UNDER DUNAWAY VERSUS NEW YORK THE CUSTODY STANDARD FROM BERKEMER V. MCCARTY ASKS WHETHER A REASONABLE PERSON WOULD FEEL FREE TO LEAVE ONCE THE SUSPECT WAS TRANSPORTED TO THE DISTRICT OFFICE THAT THRESHOLD WAS CLEARLY CROSSED THIS TRIGGERED THE REQUIREMENT TO ADMINISTER MIRANDA WARNINGS BEFORE ANY FURTHER QUESTIONING MIRANDA V. ARIZONA 1966 MANDATES FOUR SPECIFIC ADVISEMENTS THE RIGHT TO REMAIN SILENT AND THAT ANY STATEMENT MAY BE USED IN COURT THE RIGHT TO COUNSEL AND APPOINTED COUNSEL IF THE SUSPECT CANNOT AFFORD ONE BY CONTINUING TO ANSWER QUESTIONS WITHOUT INVOKING THOSE RIGHTS THE SUSPECT EXECUTED AN IMPLIED WAIVER BERG HOUSE VERSUS TOMPKINS UPHELD THIS FORM OF WAIVER AS CONSTITUTIONALLY VALID THE SEARCH OF HER PURSE FALLS UNDER UNITED STATES V. ROBINSON WHEN PROBABLE CAUSE SUPPORTS A LAWFUL ARREST OFFICERS MAY SEARCH THE ARRESTEE AND IMMEDIATE POSSESSIONS WITHOUT A WARRANT THE ADDITIONAL FORGED ILLINOIS IDENTIFICATION RECOVERED BECAME DIRECT EVIDENCE OF ONGOING CRIMINAL INTENT COLORADO VERSUS CONNELLY CLARIFIES THAT VOLUNTARINESS IS JUDGED AGAINST POLICE COERCION NOT INTERNAL PRESSURE THE JOHN DOE WARNING HERE DESCRIBED LAWFUL CONSEQUENCES RATHER THAN FABRICATED THREATS KEEPING THE RESULTING CONFESSION ADMISSIBLE so having that in mind um can you tell me how this all started I'm working at the club um this point there's no reason to lie so I met some guy named Justin don't know much about him um I was looking for I'm looking for an apartment so he said I can help you and then um I said okay and um obviously he told me what like what we were doing so he took a picture of my face he made the ID and and then um yeah he just told me this is what you have to do this is the information he made me write down on a piece of paper learn it and then yeah that was that and then now we're here is was Justin with y'all today no is Justin any of these guys no Justin is the one that was with me yesterday that opened up OK is who I was on the phone with earlier OK was my was my friend that dropped me off to the bank OK yeah he doesn't even know what's going on and Justin opened up an account as well you don't know Justin's last name what club did you meet him at um Diamond Dolls Diamond Dolls yeah and he works there no no customer you're the customer yeah I was just there drinking with my friends we just met gotcha do you know these guys information no to be honest I do not were they were there with you um the only the Justin guy okay and what other guys I just heard guys sorry yeah that's who I was with that's Justin that's Justin so Justin so today you got caught what other banks have you gone to truest where was that at um I'm not mistaken it was the one of like in Ocala no this is Ocala this is Ocala OK is it a Popca is it keep going search with an O I think it's a coyote I think it was a coyote yes OK there we go yeah I found a another ID though for Illinois for Illinois yeah I didn't get to use it yet OK um are you sure about that it was for which one the Holly yeah I used that one and then she got denied I chose yeah okay nothing what about TD Bank she got denied as well then there's credit cards she shouldn't have any credit cards all right what that I know of I thought she got denied to my understanding so so I don't know if he you know cause obviously I'll tell you we put it towards an address that we can get mail to that's what he does and then they get the cards to there so okay I don't know if he was able to grab the card himself so when you go is it always in person yes you never go anywhere or or you never do anything online so you go in person alright give me two seconds and then the TV the only thing I have for the Hollywood is a debit card okay so you have a debit card so you open an account yeah at TD Bank yeah for the Hollywood and for Stephanie um Stephanie I don't believe so I don't think I got there's a debit card there's a debit card for her so then I so you I don't think that she got approved so when you say approved what do you mean like for a credit card for a credit card yes so so this these are just checking accounts okay so you and um when you open those checking accounts do you deposit money in there um just like to how much they need to open up the account which is like $50 $50 yeah so you would go to the bank open the account and then what ask if I can apply for a credit card that same day uh huh do they usually um let you apply for a card that day uh huh and then you may or may not be approved you just you have to wait for the approval the approval okay and then after it's approved what happens um I wouldn't really be able to tell you cause I haven't gotten that far yet okay so when did when did you start doing this just a few days ago few days ago yeah maybe like a week if that um how do you communicate with Justin um there's an app called Telegram an app called Telegram uh huh and then he gave me a number so Telegram has a phone number no it's through an app like an app name okay there's no phone number so it would be like like your first name last name okay yeah okay and his just says Justin s Justin s um the guy that you were with who is he the one from yesterday that's Justin no no no the one that was driving today is that a friend of yours oh yeah that's just my friend Austin okay yeah no he doesn't have nothing to do with nothing yeah I just since I don't have a car I asked him if he can take me to the bank okay cause Justin had called me and told me that they um blocked the account okay that I I needed to go and block it so I just asked my friend to um take me to the bank and now we're here does um Justin expect anything from you after doing this what do you mean money I mean originally I was supposed to take out the money and then yeah we were supposed to split it split it TURNING TO THE SUBSTANTIVE CHARGES UNDER FLORIDA CRIMINAL LAW FLORIDA STATUTE 817.034 DEFINES AN ORGANIZED SCHEME TO DEFRAUD IT REQUIRES A SYSTEMATIC COURSE OF CONDUCT PARTICIPATION BY ONE OR MORE PERSONS AND INTENT TO DEFRAUD FOUR BANK VISITS USING MULTIPLE FABRICATED IDENTITIES SATISFY EVERY ELEMENT AS A THIRD DEGREE FELONY FLORIDA STATUTE 8 3 1.02 GOVERNS FORGERY IT CRIMINALIZES THE MAKING ALTERING OR USE OF ANY FALSE DOCUMENT WITH INTENT TO DEFRAUD THE COUNTERFEIT DRIVER'S LICENSES AND UTILITY BILLS FIT THIS STATUTE PRECISELY FLORIDA STATUTE 8 1 7.568 ADDRESSES CRIMINAL USE OF PERSONAL IDENTIFICATION INFORMATION THIS IS THE IDENTITY THEFT CHARGE WHICH ESCALATES WITH MONETARY LOSS AND VICTIM COUNT AT THIS STAGE THE OFFENSE REMAINS A THIRD DEGREE FELONY PUNISHABLE BY UP TO FIVE YEARS THE AGGREGATE MAXIMUM EXPOSURE ACROSS ALL THREE CHARGES REACHES 15 YEARS THE ACTUAL SENTENCE OF 116 DAYS FOLLOWED FLORIDA SENTENCING GUIDELINES CLOSELY THREE FACTORS DROVE THE DOWNWARD DEPARTURE NO PRIOR RECORD FULL POST MIRANDA COOPERATION AND MINIMAL REALIZED LOSS when he takes out money does he split with you I don't know if he takes out money you don't know I never seen him just like that OK OK sorry that's OK I didn't get that far I understand I understand all right officer or detective of Rodriguez may have something else he wants to ask you maybe that I didn't cover okay do you need anything else no I just have a question mm hmm when I be able to write down numbers um if I when I go to jail I'll check on my sergeant okay okay I just wanna be able to call my mom your mom alright hey Julia I'm Detective Rodriguez you think you got enough water yeah OK so so searching your purse how many we know there's several receipts for true US bank okay alright how many different true US accounts were opened up three there's three different ones you you did one today no like the face I used today the medicine oh the medicine okay that's right so those are the three yeah so for those separate accounts did you make any withdrawals did you make any deposits no not on my account okay like I wasn't able to cause I know that one of them they almost got denied like the credit applications yeah so I wasn't able to do much with them okay I just have one question sure how deep does this go cause you guys just showed me somebody I've never seen before that's who showed you who like there's another guy so um right now this is what we're trying to figure out alright I mean you've been straight you've been real cooperative and we appreciate that we'll make sure that that's gonna be noted okay but it's just something that we're still looking into trying to figure out right now okay um so you said those three different people you open three different accounts at Trues Bank did you make any deposits of any just like my regular money of just opening up an account like the 50 100 bucks that they require to open up the bank account there was something that I received that mentions like 2,000 something for truest account are you sure it's not my truest account with my name on it I don't know that's why I'm asking you it doesn't specify any names it could be it could be for my account okay so you have a personal account with truest account yes me and Julia okay alright just I hang tight a few more alright thank you NOW FOR THE GRADES ASSIGNED IN THIS ANALYSIS THE BANK MANAGER EARNS AN A PLUS FOR EXECUTING TEXTBOOK BANK SECRECY ACT RED FLAG REPORTING BEFORE ANY LOSS OCCURRED OFFICER SOMAR EARNS AN A MINUS FOR A MEASURED DEESCALATED INITIAL CONTACT WITHIN TERRY'S BOUNDARIES DETECTIVE WILLIAMS EARNS A B+ FOR LAWFULLY EXTRACTING THE SUSPECT'S TRUE NAME HE LOST THE CHANCE TO INTERCEPT THE GETAWAY DRIVER WAITING AT THE PARKING LOT NEXT DOOR DETECTIVES WAYNE AND RODRIGUEZ EARN AN A FOR PROPER MIRANDA ADVISEMENT AND RAPPORT BASED INTERROGATION THE SUSPECT EARNS A C PLUS FOR COOPERATING FULLY BUT HAVING VOLUNTARILY EXECUTED AT LEAST FOUR SEPARATE FRAUDULENT TRANSACTIONS THREE LESSONS EMERGE FROM THIS CASE FIRST FINANCIAL FRAUD RARELY BEGINS WITH A PERSON STANDING AT THE COUNTER ANYONE RECRUITED FROM A NIGHTCLUB OR MESSAGING APP TO WITHDRAW CASH USING DOCUMENTS FROM A STRANGER IS A MONEY MULE THAT PERSON NOT THE RINGLEADER IS THE ONE ON CAMERA AND THE ONE WHO SERVES THE SENTENCE SECOND ENCRYPTED PLATFORMS LIKE TELEGRAM DO NOT SHIELD PARTICIPANTS FROM PROSECUTION METADATA BANKING RECORDS AND COOPERATOR TESTIMONY RECONSTRUCT THE NETWORK FROM THE OUTSIDE IN THIRD TRAINED FRONTLINE STAFF REMAIN THE STRONGEST FRAUD DEFENSE ONE FONT COMPARISON PREVENTED A FOUR THOUSAND DOLLAR LOSS AND DISMANTLED A MULTI ACCOUNT SCHEME LET US KNOW IF THERE IS AN INTERACTION OR LEGAL TOPIC THAT YOU WOULD LIKE US TO DISCUSS IN THE COMMENTS BELOW THANK YOU FOR WATCHING AND DON'T FORGET TO SUBSCRIBE TO OUR CHANNEL FOR MORE CONTENT ON POLICE COURT INTERACTIONS