Crackin’s Cards is on the rise and with this, comes a younger generation of victims falling for get rich quick schemes. These schemes to defraud starts with recruitment of individuals typically between the ages of 16 to 30 who usually have already established a relationship with a financial institution. They freely give out their personal identifying information and often times their actual debit card numbers associated with their account. Using this information the organizer will deposit a check and carry out the fraud in a number of different ways before the check is determined to be counterfeit or stolen. When speaking to the account holder you will typically hear the story that their card was lost with their PIN somehow attached to it or they will claim that they are unaware of the compromise. As an interviewer/investigator, working on a rapport and knowing more about the scheme or the level of fraudster you are dealing with will assist in your investigation and line of questioning. We will also go over examples where my team has worked closely with law enforcement in arresting the account holders themselves when the leader of the larger fraud ring is unknown.

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