Credit Card Identity Theft

Police of Morgan Hill, California received a call for a potential DUI, but instead three people were arrested for numerous incidents of identity theft. The driver of the Camaro, Charles Allen, didn't have a license and the passenger, Arena Adanandus, had a suspended license and neither one had ownership documentation of the Camaro. Allen was arrested on suspicion of driving with a suspended license. In the meantime, they impounded the Camaro and found merchandise totaling $800+ from Home Depot. The passenger, Adanandus, had used a customer's account number where she had fraudulently added her own name and the grand total of charges is suspected to be around $3,400. Not only that, but the Camaro was rented using a stolen credit card. During this time a third party, Aaron Fields, came to the station to meet with Allen and Adanandus and the kicker -- he drove to the station in a Ford Fusion which he rented using stolen credit card information. All three were arrested and booked (Read the full story here).

Identity theft is a recognized problem and credit card identity theft is one of the forms it may take. As in the prior case, the thief can use details of another person's credit card and wrack up debts which the unsuspecting customer ends up with. They may also use the person's name and information to open up new credit cards where they charge to the victim's name. So how can they even get this information? Through stealing mail from your mailbox or trash, credit card skimming, or stealing information from records where your details are kept (such as a crooked employee or a thief breaking into hospital records etc).

Some simple tips to prevent identity theft are:

1. Shred any documents with personal information before putting in the trash.
2. Opt out of mailing lists where credit card offers are sent through the mail.
3. Keep your eyes on your credit card at all times especially at stores and restaurants. It's not just on the internet where you need to be careful.
4. Identity theft insurance services.

Identity theft is a growing problem but gradually people are becoming more aware of it and are protecting and educating themselves against these types of crimes. As in the case cited, some of these losers do get caught and we're all happy when they bring their 'friends' along for the ride.

Identity Thieves Stealing Your Mail

Identity theft is an increasing concern as we hear of nightmarish ordeals that some people must endure when their identity is stolen. In some cases, these crooks are getting smarter and more sophisticated with their scams, but in other situations -- which is good for us -- these types aren't playing too wisely.

Take the example of this theft: On August 8th, 2009 in Manteca, California, two young adults -- a male and female -- broke into an apartment complex and then proceeded to steal from the tenants' mailboxes. But the big kicker -- there was a warning that they were being videotaped. The authorities are confident they'll catch these criminals. Not too bright I'd say. You can read the report and view the videotape here: Manteca Mail Theft Caught on Camera
What can we do personally to protect ourselves from mail theft?

1. Use a Mailbox with a Lock. That's a significant start. It's not a sure guarantee but will definitely deter some. And of course, keep your mailbox locked at all times and have a limited number of keys. Remember, you can have valuable data for the thief on bank and credit card statements and even personal letters may give away some detailed information about you.
2. Collect Mail after Delivery, within reason. If you are going on vacation, put a hold on your mail. It's a simple process and in most places can de done online. Or even have a neighbor pick it up for you.
3. Use Ink that's Check-Safe. Cleaning products can erase some inks and then the thief has one of your blank checks in his hands with your signature. Use pens -- such as gel, rollerball and fountain -- that clearly state they are check-safe. Fill in all the empty spaces on your check such as the date and memo line. And finally, go to the post office with your checks. Locked mailboxes are pretty secure but the hands of a postal worker is even a safer bet.
4. Keep Good Records. This will enable you to identity any unauthorized activity in your accounts. You may not be able to avoid mail being stolen and information taken, but with good records the damage can be minimized. Identity Theft recovery programs can also be set up that will serve this same purpose.

If we're informed we can play with the wisest of the thieves and beat them at their own game. As far as those more dense ones, we'll let the videorecordings take the credit.

The Stupid Things That Thieves Do -- Other Than Steal

We've all seen the video programs that show thieves doing stupid things and being caught on surveillance cameras. Things like smacking an unbreakable window with a crowbar and then getting whacked in the face, or accidentally setting themselves on fire while trying to burn down a building. Seeing stuff like that always make me feel better. I tend to feel that justice is being served, somewhat. The criminals themselves are doing what we so often want to do, but don't have the opportunity to: beat the tar out of themselves!

Unfortunately, not every stupid thing criminals do are caught on tape, and I'm sure that must include thousands of funny things every day. For example, we know that you can't talk your way out of prison. But who knew you could actually talk your way into prison?

An article I came across today at Philly.com stated that in Chester, Delaware, a woman called police to claim that a large, high-dollar barbecue grill and other items were stolen from her backyard. As part of the investigation, the police determined that the items in question were purchased with a credit card reportedly stolen from a woman in Kentucky. This led to her quick arrest and further investigation, whereupon her two accomplices were also arrested. The leader of this band of thieves had his home raided and he was found hiding, naked, in his attic. Now I hope they got that on film!

It seems pretty funny, and ironic of course, that a thief felt she had been wronged and wanted to report it, when she herself had obtained the items that were stolen by using a stolen credit card. As the District Attorney in the article mentions, "If you steal something, don't report that somebody else stole it from you." Well put Mr. Green. Just another example of how stupid some criminals really are.

Now that the shoe is on the other foot, well except for the guy they found naked, I hope that these bozos learn their lessons. However, as is often the case, these sort of people tend to suffer from short-term memory loss. I tend to believe that they'll be back at it again as soon as they're released from prison. Luckily, the newer identity theft laws now carry a minimum two year sentence, with the possibility of five years. Don't worry though. I'm sure we'll have the chance to laugh at another stupid criminal before too long.

Have an example of a stupid criminal? Comment and let me know.