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Advice Needed - How to Report the Criminal Who Stole From Elderly Mom's Checking Account
Posted on 4/18/23 at 1:23 am
Posted on 4/18/23 at 1:23 am
My elderly mom is on a fixed budget and noticed some strange charges on her checking statement.
Somehow this criminal in Gretna (first name Jacoby) got a hold of her checking account information.
Her bank never received her check for last month's CC bill, so our guess is that her letter in the mail was either lost or stolen and Jacoby got her info from there.
Jacoby used his FCU and another bank to make micro deposits and withdrawals on my mom's checking account. Testing the waters, or verifying it as an External Transfer Account with his own accounts, not sure.
Then he used my mom's checking account to pay $1,204 dollars to some online school / career education program.
Jacoby's full name (including his middle name, so there's no doubt which Jacoby it is) appears on these micro transactions he made using his own accounts. Jacoby is easily searchable online, we know where he lives (with his mom), age (30s), his phone number, etc.
My question for TD is, what to do with this information? Where do we report this criminal? What agency enforces the law for these types of crimes?
Do we contact his school, banks, etc., and inform them of the situation? Would an online school return the money to my mom's account if we inform them of the fraud?
So far we've called her bank, had her checking account locked from further withdrawals, started a new checking account, canceled her CC and ordered a new one, started a fraud investigation by the bank. Next up is to start a fraud alert with the credit bureaus. Anything else we can or should do?
How I'm feeling:
Somehow this criminal in Gretna (first name Jacoby) got a hold of her checking account information.
Her bank never received her check for last month's CC bill, so our guess is that her letter in the mail was either lost or stolen and Jacoby got her info from there.
Jacoby used his FCU and another bank to make micro deposits and withdrawals on my mom's checking account. Testing the waters, or verifying it as an External Transfer Account with his own accounts, not sure.
Then he used my mom's checking account to pay $1,204 dollars to some online school / career education program.
Jacoby's full name (including his middle name, so there's no doubt which Jacoby it is) appears on these micro transactions he made using his own accounts. Jacoby is easily searchable online, we know where he lives (with his mom), age (30s), his phone number, etc.
My question for TD is, what to do with this information? Where do we report this criminal? What agency enforces the law for these types of crimes?
Do we contact his school, banks, etc., and inform them of the situation? Would an online school return the money to my mom's account if we inform them of the fraud?
So far we've called her bank, had her checking account locked from further withdrawals, started a new checking account, canceled her CC and ordered a new one, started a fraud investigation by the bank. Next up is to start a fraud alert with the credit bureaus. Anything else we can or should do?
How I'm feeling:
34
Posted on 4/18/23 at 1:26 am to Big Fat Guy
I think a little visit to Jacoby’s apartment would be in my future.
Posted on 4/18/23 at 1:30 am to Big Fat Guy
Report it to law enforcement in the jurisdiction she lives in.
Posted on 4/18/23 at 1:30 am to Big Fat Guy
quote:
So far we've called her bank, had her checking account locked from further withdrawals, started a new checking account, canceled her CC and ordered a new one, started a fraud investigation by the bank. Next up is to start a fraud alert with the credit bureaus. Anything else we can or should do?
quote:
no doubt which Jacoby it is) appears on these micro transactions he made using his own accounts. Jacoby is easily searchable online, we know where he lives (with his mom), age (30s), his phone number, etc.
quote:
My question for TD is, what to do with this information?
Good job now all you need to do is post Jacoby's pics on TD and let us fark with him.
Posted on 4/18/23 at 1:40 am to Big Fat Guy
Just to be realistic, I don't see the authorities putting teams of people together to go after $1200 despite it being disgusting and stolen from a senior. I personally wouldn't have posted here and wouldn't have a second thought about getting my pound of flesh.
Posted on 4/18/23 at 2:09 am to Big Fat Guy
This happened to me a couple years ago to a BOA account. BOA completed the investigation in less than a week, and returned the money to my account. I assume they treated it as a returned check for the companies that had received the money, but I didn't have to deal with any of that.
Posted on 4/18/23 at 2:18 am to Big Fat Guy
You've come to the right place.
Posted on 4/18/23 at 2:46 am to Big Fat Guy
quote:
Then he used my mom's checking account to pay $1,204 dollars to some online school / career education program.
See, he's just trying to go to school..and here you are in the way of education and progress.
Eta
..may want to be careful what you uncover BTW. Your mother and Jacoby may have an "Understanding & Agreement" that you may not want to know about.
"Jacoby" just may be the hebrew "Jody".
This post was edited on 4/18/23 at 3:29 am
Posted on 4/18/23 at 5:25 am to Big Fat Guy
Find the correct law enforcement agency where it happened, report it, then call twice per week checking up on it. The squeaky wheel gets the oil.
Posted on 4/18/23 at 5:29 am to Big Fat Guy
Report it
LA attorney generals office
Local police dept
LA attorney generals office
Local police dept
Posted on 4/18/23 at 5:34 am to BRgetthenet
quote:
I think a little visit to Jacoby’s apartment would be in my future.
Posted on 4/18/23 at 5:38 am to Big Fat Guy
Sadly, nothing will happen. Its why people do it.
Walmarts are closing and its due to racism, nothing else.
Welcome to the liberal utopia.
Walmarts are closing and its due to racism, nothing else.
Welcome to the liberal utopia.
Posted on 4/18/23 at 5:53 am to Big Fat Guy
The same thing happened to my Mom’s friend recently.
Usually when the bank gets involved, someone is going to jail. I assume they credited her account, and you know who did it? Ultimately it’s the bank that was the victim. They will eat that info up and call their buddy in fraud enforcement and go nuts. I am sure the bank has a streamlined process of reporting and pursuit of justice.
About 15 years ago I was missing a few hundred dollars out of the account due to a check. Turns out the wife wrote it, but I was retracing my steps with them to find out how it happened, and the possibility came up that it was an acquaintance who came over st the time around the check was cashed. The lady at the bank told me that I better know for sure, because once I go down that road with the bank they get ruthless and will ensure someone is held accountable.
Usually when the bank gets involved, someone is going to jail. I assume they credited her account, and you know who did it? Ultimately it’s the bank that was the victim. They will eat that info up and call their buddy in fraud enforcement and go nuts. I am sure the bank has a streamlined process of reporting and pursuit of justice.
About 15 years ago I was missing a few hundred dollars out of the account due to a check. Turns out the wife wrote it, but I was retracing my steps with them to find out how it happened, and the possibility came up that it was an acquaintance who came over st the time around the check was cashed. The lady at the bank told me that I better know for sure, because once I go down that road with the bank they get ruthless and will ensure someone is held accountable.
This post was edited on 4/18/23 at 5:54 am
Posted on 4/18/23 at 5:57 am to Big Fat Guy
If this is the first time you and your family have experienced this sort of thing consider yourself lucky, report it to the financial institution and get on with life. It happens a couple of times a year to us and most people have experienced it more than once....it won't cost you a penny directly (although you can rest assured the banks are going to be made whole through increased fees etc.).
For the people talking about finding old boy and whupping his arse....over $1200??? Really? I wouldn't walk to my truck from my recliner over $1200 that was mistakenly taken out of my account and immediately replaced when I called the bank and told them they had made a mistake. At the very least your going to have an adrenaline rush whupping that old boys arse....why would you want that?
For the people talking about finding old boy and whupping his arse....over $1200??? Really? I wouldn't walk to my truck from my recliner over $1200 that was mistakenly taken out of my account and immediately replaced when I called the bank and told them they had made a mistake. At the very least your going to have an adrenaline rush whupping that old boys arse....why would you want that?
Posted on 4/18/23 at 6:00 am to Big Fat Guy
Hello Officer. Yeah, I just found him like this. I think he might have fallen down some stairs or something…
Posted on 4/18/23 at 6:01 am to Big Fat Guy
Try!!!
To get her to stop using checks. My folks had a check “washed”. 6800 dollars were made and not questioned by a bank. All from a check for 110 bucks for lawn care on an old property they inherited. It took months.
Banks will bend over backwards if the fraud takes place on a credit or debit card. Check? It took my folks 4-6 months.
Advice I got here for their situation. “Exploitation of the elderly”. Use that term with everyone you speak to. I believe it makes it a higher priority. Contact the bank your mom uses and the bank that cashed it. One is gonna blame the other so you need to be in touch with both.
If the post office was involved in any way, contact them as it’s mail fraud of the elderly.
Also Federal Trade Commision I think.
It’s theft by check OF THE ELDERLY. and EXPLOITATION OF THE ELDERLY.
I can’t recall. The FTC I may be pulling out of my arse. It’s been a while. If I’m wrong please tell me. It was a federal entity of some sort.
Still took months but the money eventually showed up. You and you folks have to be proactive as well. You aren’t going to get called for shite. You have to call and you have to follow up.
To get her to stop using checks. My folks had a check “washed”. 6800 dollars were made and not questioned by a bank. All from a check for 110 bucks for lawn care on an old property they inherited. It took months.
Banks will bend over backwards if the fraud takes place on a credit or debit card. Check? It took my folks 4-6 months.
Advice I got here for their situation. “Exploitation of the elderly”. Use that term with everyone you speak to. I believe it makes it a higher priority. Contact the bank your mom uses and the bank that cashed it. One is gonna blame the other so you need to be in touch with both.
If the post office was involved in any way, contact them as it’s mail fraud of the elderly.
Also Federal Trade Commision I think.
It’s theft by check OF THE ELDERLY. and EXPLOITATION OF THE ELDERLY.
I can’t recall. The FTC I may be pulling out of my arse. It’s been a while. If I’m wrong please tell me. It was a federal entity of some sort.
Still took months but the money eventually showed up. You and you folks have to be proactive as well. You aren’t going to get called for shite. You have to call and you have to follow up.
Posted on 4/18/23 at 6:05 am to Big Fat Guy
$2,500 is usually the felony limit, but if victim is over 65 it usually enhances to a felony regardless of the amount.
Contact the police and nail his arse.
Contact the police and nail his arse.
Posted on 4/18/23 at 6:24 am to ABucks11
This. Being an elderly person I fully expect he would be charged with a felony.
Posted on 4/18/23 at 6:26 am to Big Fat Guy
If she’s in Gretna city limits, call Gretna PD. They’ll get on it.
Posted on 4/18/23 at 6:30 am to Big Fat Guy
call the financial crimes department of JPSO….they don’t play with that shite
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