Cm220 - Final Project

Identity theft is a major concern today in our country, millions of a person’s identity have been compromised for many of years. Identity theft occurs when someone uses another person’s personal information such as name, Social Security number, driver’s license number, credit card number, or other identifying information to take on that person’s identity in order to commit fraud or other crimes. Stealing an identity is, unfortunately, surprisingly easy to do and happens when you least expect it. Just by opening your mail, something that has personal information on it, throwing it in the trash. Therefore, a person can go through your trash and take all that information and use it against you to take on a new identity.

Since John was in custody, what are the procedural steps the police were required to take once John began to incriminate himself? The police have no obligation to stop John Doe from making any statements. “Excited Utterance” made by a defendant before being questioned are admissible as statements given under Miranda advisement. Once the police begin to question John Doe regarding the theft, then they are required to read or provide Mr. Doe with his Miranda Warnings. Miranda rights (Miranda rule, Miranda warning) n. the requirement set by the U. S. Supreme Court in Miranda v. Alabama (1966) that prior to the time of arrest and any

In 2014, there were an estimated 2.3 million cases, a twenty-two percent increase from the previous year (Andrews, 2016). According to the Federal Trade Commission, identity theft complaints have also increased by more than 47 percent since 2014 and it was the second most reported crime after illegal debt collection. (“FTC Releases Annual Summary of Consumer Complaints Debt Collection, Identity Theft, and Imposter Scams Remain Top Categories of Complaints Received by FTC in 2015”, 2016) “The 2017 Identity Fraud Study, released by Javelin Strategy & Research, found that $16 billion was stolen from 15.4 million U.S. consumers in 2016, compared with $15.3 billion and 13.1 million victims in 2015. In the past six years identity thieves have stolen over $107 billion.” (“Identity Theft and Cybercrime”,

A digital government seem to be leading more and more cases for review of fraud. In the high profile case of Joe and Teresa Giudice who filed for bankruptcy in 2009 and then dropped their petitions, a statement released by the US Attorney’s Office, District of New Jersey, about the New Jersey couple from the Real Housewives of New Jersey were charged with, among other things, trying to hide assets and income during the bankruptcy process. Teresa Giudice and husband, Giuseppe “Joe” Giudice, both of Towaco, N.J., were indicted by a federal Grand Jury with the charge of conspiracy to commit mail and wire fraud, making false statements on loan applications, failure to file tax returns for a number of years, and bankruptcy fraud among other things. The indictment indicated that the “Guidices lied to the bankruptcy court, to the IRS and to a number of banks,” U.S. Attorney Fishman said. He went on to state, “everyone has an obligation to tell the truth when dealing with the courts, paying their taxes and applying for loans or mortgages. That’s reality.” “The Federal Deposit Insurance Corporation Office of Inspector General is pleased to join the United States Attorney for the District of New Jersey and our law enforcement colleagues in announcing [the] indictment…,” Special Agent in Charge A. Derek Evans said. Agent Evans went on to say “We are committed to our partnerships with federal, state, and local law enforcement to address mortgage fraud cases throughout the

1. Case Study:  “Don’t Let Crooks Steal Your Identity: How to Protect Yourself-and Your Credit Rating” (p. 225)

“March of Dimes” charity was in news in November ’15, because of an alleged fraud committed by one of its employees named Ms. Karima Manji. Karima Manji has been working with MOD since 2005. She has been handling the portfolio of property manager and used to look after MOD’s non-profit residences. She is alleged to have used “various means” to siphon funds from the charity, including forging invoices and expense claims, and funnelling money into a false March of Dimes bank account. She has been charged with fraud over $5,000, theft over $5,000, possession of property obtained by a crime over $5,000 and presenting a forged document. She also served as the executive director of Kingsmere retirement living in Alliston and has been placed on administrative leave after being charged by Toronto police of allegedly defrauding MOD of $0.8 Mn. Officials at MOD has confirmed of ongoing investigation into the incident and those of Kingsmere retirement living have stated that “Manji’s employment is not linked to her involvement with MOD’s”.

I called the constituent, Ms Kathryn Chase, she said that is frustrated that nobody helps her to stop her siblings and her uncle stealing her mother's money and jewelry.

It has come to my attention from the security analysts of VL Bank and victims that commercial customers of VL Bank have been involved in identity theft and fraud. Multiple user accounts were created without authorization claiming the identity of our customers. These fake accounts were used to make twenty-nine transfers of $10,000 each, equaling $290,000. The bank transfers were being sent to several U.S. bank accounts of unknown individuals. The U.S. banks involved in the transfers were Bank A in California, Bank B in New York, Bank C in Texas, and Bank D in Florida. After the funds were transferred to one of these banks, the funds were

Fraud is a problem that nonprofits must be prepared to prevent within their financial departments. Embezzlements and financial statement fraud can destroy the financial health of a nonprofit organization and undermine the organization’s mission. Skimming is particularly difficult to identify because the money is often taken off incoming funds before the donations are ever annotated or accounted for (Zack & De Armond, 2015). However, these financial woes can be easily avoided. Nonprofit Quarterly identifies the issue of financial fraud as a “people problem” (Zack et al, 2015). Financial departments within corporations are required to follow strict laws and regulations that are not required to be followed by nonprofit organizations. The Sarbanes-Oxley

Our government is doing a better job of assisting citizens when it comes to identity theft but there is much more to do. Below are my findings.

One reason identify theft is being a fast growing crime in the United State is because; more people credit card information is being stolen. Around 10% of American has fallen victims to credit card theft. Around 7% of Americans have been victim of debit or ATM fraud and 12% of the fraud was on internet websites and 10 % was on the telephone. One example of identity theft was eighteen months after moving in with his fiancée Joe Tremba begain to receive collection letter about past due credit card account that have been given to a collection agency. Tremba who always pays his bills on time was

“Every year for the past 15 years, the Federal Trade Commission has ranked identity theft as the top consumer complaint” (Buck 1). These consumers want

Identity theft is the fastest growing fraud crime in America (Finklea, 2009). Gaining knowledge in preventing theft will better the economy and lower the crime rates in America. There are reported 9.9 million victims of identity theft and this number is increasing rapidly as the years go on. It has been reported that an estimate of fifty billion dollars has been charged to our consumers every year due to identity theft (Finklea, 2009).

The less sophisticated thieves have perfected the art of “dumpster-driving” rummaging through trash. Abusing employer’s authorized access to credit reports or some even playing ‘landlord’ has given them unauthorized access to victim’s reports. Some victims have been scammed fro information by an identity thief posing as a legitimate businessperson or government official. In the most recent news from Concord, NC (Aug. 19, 2004), the police have uncovered a more sophisticated case of ID theft. The newspapers stated, “Authorities think a portable credit card reader, or skimmer, was used to read personal information off a credit card’s magnetic strip. Then those details were applied to the strip on the back of a different cared.”

Identity theft affects millions of Americans every day. Scam artists and hackers lay in wait for an unsuspecting person to get caught up their scheme through ignorance or naivety so they can take full advantage of their personal information to do as they desire with it. Problem is, it infiltrates and depreciates the integral infrastructure of our society which creates a cultural lapse through the declination of economic and cultural growth and double jeopardizes an already unstable system to the brink of its destruction. To understand how