Someone Opened a CashApp in Her Name. She Faces Years in Prison

yieldcrv

> The scammer created the account using her Social Security number and date of birth. Smith said she has never used CashApp. you can purchase Fullz on most dark net marketplaces, which is the term for ID information unlike with using credit cards or applying for credit cards, an opened bank account will tend not to alert the ID holder, although they could monitor chexsystems its not popular passing online fraud detection simply involves opening an account from a zip code close to the target. so the user would remote into a compromised desktop nearby as there are marketplaces for that by zip code too, or be physically present there themselves if that level of OPSEC isnt needed. here it wasnt needed as law enforcement didnt subpoena facebook marketplace, they used the cashapp info You could have bank and brokerage accounts open in your name right now, if no fraud has been triggered you won’t be the subject of an investigation. people use them for normal transactions - income destination for undocumented, normal payment flows outside view of creditors, etc All the banks and law enforcement and FinCEN and the Department of Justice believe anti-terror anti-money laundering and know your customer laws are working simply because bank accounts are in a name.

ryandrake

I never understand these "identity theft" cases. This dispute has nothing to do with the person whose numbers were fraudulently used. This should be between CashApp and the scammer. At best, CashApp is the victim of bank fraud. At worst, they were negligent in allowing an account to be opened based entirely on non-secret information. Shouldn't authorities have to prove that this random person did something wrong?

krunck

If there was a GoFundMe for her I'd donate.

LorenPechtel

The police really need to get their act together on identifying whether the identity is actually the person. There are just too many of these cases where a reasonable investigation would have shown it's a stolen identity. The state has an obligation to prove a case beyond a reasonable doubt, that should include reasonable due diligence in verifying that it's not a stolen identity. It's not like this is a new thing, my mother had a run-in with the IRS over not reporting "income" from a place she had never worked and couldn't even find them. (IRS: if you believe it's wrong contact your employer. No, we will not provide contact information for them.) That was 40 years ago. The attempt to make things traceable probably deters some misdeeds but in most cases it just means they leave a false trail, only of use in causing trouble for innocents.