美破获信用卡诈骗案 涉案金额超2亿美元
美破获信用卡诈骗案 涉案金额超2亿美元
据《今日美国报》6日报道，美国成功破获一起跨国信用卡诈骗案，18名嫌犯涉嫌伪造7000多个假身份，申请数万张信用卡。他们购买豪华汽车、黄金和高端产品，将数百万美元资金转移至海外，总涉案金额超过2亿美元。报道称，这是美国有史以来破获的最大规模信用卡诈骗案。
《今日美国报》称，嫌犯作案地点涵盖美国28个州和另外8个国家。美国检方披露，已经针对18名嫌犯发起刑事诉讼。该团伙成员组织了一个庞大的犯罪网络，未来不排除将会有更多人遭到起诉。据悉，该犯罪团伙从2003年开始利用虚假身份证明，创建信用信息。其中一些身份完全是虚构的，还有一些使用了拥有相同姓名的人的社会保险号码。他们利用虚假的水电账单和纳税申报单来申请信用卡。最初，嫌疑人会进行小额交易，并按时偿还欠款，然后便提交伪造文件诱使信用卡公司为其提高信用额度，之后便用信用卡进行大额交易，并自此不再还款。截至2012年，该团伙成员共伪造了7000多份虚假身份证明，并以此获得2.5万多张信用卡。他们将数百万美元资金转移到了巴基斯坦、印度、阿联酋、加拿大、中国和日本。
周二，至少有13名犯罪团伙成员被抓捕。美国新泽西地区检察官保罗费舍曼说：“这场骗局中的每一个细节，包括虚假姓名、身份证、文件、信用记录等，我们都曾在其他案件中遇到过，但将所有细节糅合成这么高明的程度，花费这么多人力、时间和金钱去实施诈骗，这可能还是头一次。”他透露说，美国邮政总局、特勤局、联邦调查局等联邦机构早在18个月前就已经开始就此案展开调查。目前，这个诈骗团伙共造成2亿美元损失，但这一数字未来还有可能会继续增长。美国联邦调查局特工詹姆斯辛普森说：“鉴于该案规模过大，经济损失仍在统计之中，最终的数字可能会有大幅度增长。”银行诈骗罪名最多可以判处30年监禁，并处100万美元罚款。
检方透露，其中一些团伙成员还涉嫌设立80家公司，但这些公司根本没有开展任何合法业务，完全是用来接收信用卡支付并提供虚假信用报告，以提高团伙成员的信用等级。该诈骗团伙可能将给大量消费者带来影响。美国标枪战略研究所高级分析师阿尔帕斯科说，信用卡发卡机构可能会以提高利率和费率的方式把损失转嫁给消费者。那些曾被该诈骗团伙利用姓名的消费者也将受到影响。帕斯科说：“金融机构将会千方百计寻找能够为这些刷卡账单担负责任的人。你不得不与一些你毫不知情的事情作战，他们只不过是利用了你的部分信息。”
信用网站负责人说：“他们用不同人的身份信息剪接成为一个虚拟身份。”该团伙成员使用现有的社会保险号码，并把它们与不同身份的人的名字拼凑起来。这表明，社会保险号码认证制度存在漏洞。
Beauty unearthed credit card fraud involving a value of over 200 million dollars
According to the USA today newspaper 6 days to report, the United States successfully solving one international credit card fraud, and suspect faked more than 7000 false identity, apply for tens of thousands of credit card. They buy luxury car, gold and high-end products, millions of dollars money transfer to overseas, the total amount involved more than 200 million dollars. Reports say, this is the United States the unearthed the scale of the credit card fraud.
The USA today newspaper said the suspect, a site covers the United States and a state and other eight countries. American prosecutors disclosure, already in and suspect launch criminal proceedings. The gang members organized a huge crime network, will not rule out future there will be more people prosecuted. It is reported, this crime gang since 2003 the use of false identification, create credit information. Some of the identity is a complete fiction, and some use the same name with the social insurance number. They use false water and electricity bills and tax return to apply for a credit card. At first, the suspect will be for small transactions, and pay on time, and then submit forged documents induces the credit card company for them to improve their credit, then make a big deal with credit card, and since then no longer reimbursement. By the end of 2012, the gang members were forged more than 7000 a false identity, and to obtain more than 25000 credit CARDS. They will be millions of dollars money transfer to Pakistan, India, the united Arab emirates, Canada, China and Japan.
On Tuesday, at least 13 crime gang members be catch. New Jersey district attorney Paul fee Sherman said: "this scam in every detail, including false name, id card, documents, credit records, etc., we have in other cases met, but will all details mix into such a good degree, spend so much manpower, time and money to implement fraud, this may be the first time." He revealed that the United States postal service, secret service, the federal bureau of investigation and federal agencies in the early eighteen months ago has started investigating the case. At present, the fraud gang common cause $200 million in damage, but the digital future may continue to grow. The fbi agent James Simpson said: "in view of the large, economic loss is still in the statistics of the number may be a significant growth." Bank fraud charges can be sentenced to up to 30 years in jail and impose a fine of $1 million.
Prosecutors said, some of the gang members also established in 80 the company, but the company did not carry out any legal business, completely is used to receive a credit card and provide false credit report, in order to improve the gang members credit rating. The fraud gang may will give a lot of consumer impact. The United States dart strategy, senior analyst al pasco said, credit card issuers may to raise interest rates and the rate of loss way passed on to the consumer. Those who had been the fraud gang use name consumers will also be affected. Pasco said: "financial institutions will leave no stone unturned to find the credit card bill responsibility person. You have to deal with some of the things you don't know anything about this fight, they just wanted to take advantage of your part information."
Credit the website said: "they use different people's identity information splicing into a virtual identity." The gang members to use existing social insurance number, and put them with different identity of the person's name together. This suggests that, social insurance number the authentication system existence of loopholes.