So just a bit of history on grandmother, she lives with her son, who is divorced and has no children living at home. He takes care of her and she basically takes care of the house, etc. He owns a large farm with cows and about 3 or 4 years ago, he hired a young boy to help him manage everything. Over this time, his family became somewhat close to ours and were really helpful while she was in the hospital and in rehab.
Well, she was in the hospital for a long time and then she went on to rehab, etc.
She was going thru her bank statements and she noticed that Steve had not deposited her check in June.
Then, today she gets a phone call from Citi Bank about her "personal loan" being past due!
She did write down everything the lady told her and then she went on to tell her that she was in the nursing home/assisted living for rehab during the time the loan was taken out.
So after some investigating and digging, we finally found out that the boy's MOTHER had been going thru their mailbox while they were not home. She took the check, signed it and cashed it. Well, there was a pre-approval notice from Citi Bank, letting grandmother know she was eligible for a $9000.00 loan!!! So this lady pretends to be her and gets the loan!!!
Of course, we called the police and reported it and she admitted getting the mail and basically just broke down and told everything. They arrested her for mail fraud (or something to do with opening other people's mail) and they are holding her in county until Monday when the judge looks at it.
Grandmother is beside herself. Of course, she's retired so she only gets paid once a month and it's not a lot.
I think Citi Bank is somewhat responsible here for not verifying that she was who she said she was.
Then comes just plain out forgery for the check and the Citi Bank papers and that check as well.
UGH! Poor grandmother. Say a special prayer for her to get thru this and for the poor child who has to live with this lady as his mother.
If you need help, ask God; if you don't, thank God.
with an arrest and a signed confession, she got nothing to worry about. the bank will take the loss and will clear her from any responsibility for the fraudulent loan. even without the arrest, it was the bank's responsibility to verify her identity before approving the loan, and it is ultimately their problem. make sure you dispute that loan and cooperate with their investigation. other then some headache and a bit of grief, she will be fine.
About the check, who ever issued the check has to dispute it with their bank, but that too should be refunded. There is a time limit to dispute it though, so don't delay.
***Edited By: juno on 8/8/2010 8:50:02 AM*** Reason: add
The essence of hypocrisy is the tendency to make an exception of oneself.
That sucks. I hate people like that. My husbands father opened all kinds of utility bills in my husbands name, and they are one his credit report as unpaid. There is nothing we can do about as his father has passed away. Even showed them a paycheck stub where my husband wasn't even in the same state, they don't care. People are just nasty.