22-Year Old South Jersey Youtuber accused of orchestrating $1.5 Million Fraud Scheme

Sccit

Sccit

LA'S MOST BLUNTED
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LOS818ANGELES
HOW DOES THIS EVEN WORK.....

HOW WOULD SHE WITHDRAW THE CASH WITHOUT THE VICTIMS ATM CARD+PIN?

AND MOST BANKS DON'T MAKE CHECKS WITHDRAWABLE UNTIL THE CHECK CLEARS...


WHAT AM I MISSIN HERE?
 
PaperEnterprise

PaperEnterprise

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The G.O.D II said:
So she was basically a dusty ass card cracker. How she think she would get away with this? :mjlol: I know people who were getting raided by the feds 15 years ago over this
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I knew people who who had amazing credit and would go to the arabs on steinway street in astoria queens. The arabs would take 30% from the final profit.

The arabs had so much money, they would grow the cc limits to 100,000 plus. Then take out cash advance...they would get store cards and go shopping...

I knew a few people that cashed out like 150k qnd bought businesses under other family members name. They didnt care about filing for bankruptcy. They eventually came out on top cause they hussled the system and got money to start a business or buy a house.

Now im speaking about 1993 to 1995.

These dumb fukks buy cars and designer clothes. If you gonna scam, at least out some money away. Now this bytch her 9 co defendants gonna rat on one another
 
B

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https://www.justice.gov/usao-nj/press-release/file/1249696/download

snippet:
C.Overview of the Fraud Scheme

15.Investigators learned that MASSA primarily uses social media platforms, such as Instagram, to recruit individuals to participate in a fraud scheme. Investigators identified MASSA’s Instagram account under the username “Kayg0ldi.” The “Kayg0ldi” Instagram account has over 343,000 followers. Investigators also identified various vanity name variations of the “Kayg0ldi” account during the course of this investigation. These included “theonlykayg0ldi” and “Kay Kay,” (collectively hereinafter “Kayg0ldi”). The investigation revealed that Instagram account user “Kayg0ldi” routinely posted and continues to post, as recent as December 9, 2019, various photos or 5videos, referred to herein as advertisements, often targeting Instagram viewers with bank accounts. Some examples of the advertisements are attached hereto as “Exhibit 1.”


16.These advertisements, posted to “Kayg0ldi’s”story, were often accompanied with photos of stacks of cash, United States Postal Service (hereinafter “USPS”) money orders, and screenshots of bank account balances or receipts from various financial institutions. Some advertisements were videos posted to “Kayg0ldi’s”story, of stacks of cash being counted, debit cards being flashed with cash or USPS money orders in view, or ATM receipts with cash. This is not an exhaustive list of the advertisements posted routinely on “Kayg0ldi’s”Instagram story. Individuals interviewed during the course of this investigation explained that after viewing “Kayg0ldi’s”story, they responded via direct message1, often to a specific advertisement. During the direct message communication, “Kayg0ldi”provided these individuals with a variety of explanations as to how their bank account would be used for a legitimate and legal purpose. In those direct message communications, “Kayg0ldi” encouraged individuals to empty their bank accounts before providing their debit card and PIN to MASSA, in an effort to falsely allay any fears of losing money. Account holder “Kayg0ldi” arranged for these individuals to meet at a public place, communicating through direct message or via a cell phone number provided by “Kayg0ldi.”Individuals interviewed during the course of this investigation stated that they met a woman later identified as MASSA and, in some instances, HERRIN,identified as MASSA’s boyfriend at the time or her sister LEIRE. At those meetings, the individuals provided MASSAwith their debit card, personal identification number (“PIN”), and in some instances, their online banking log-in information as well as answers to any security questions.


17.Once in possession of the individuals’ debit cards and PINs, MASSA and her co-conspirators used the individuals’ bank accounts to deposit various fraudulent financial instruments, 1 Commonly referred to as a “DM.”6 including stolen USPS money orders, counterfeit Western Union money orders, and various counterfeit checks usually drawn from legitimate business accounts. MASSA’s co-conspirators deposited the fraudulent financial instruments at various bank branches,ATMs,or through mobile deposits. While the funds were in the account but before the individual banks discovered the fraudulent financial instruments, co-conspirators used the debit cards to withdraw the funds. In this investigation, “cracked” cards are defined as the debit cards that have been used to deposit counterfeit financial instruments in furtherance of the fraud, and are often used to purchase legitimate financial instruments such as USPS money orders, to launder the proceeds from the cashed counterfeit checks and obfuscate the true source of the funds.

18.Co-conspirators used bank and ATM withdrawals, and purchased USPS money orders to deplete individuals’ accounts before the banks discovered the fraud. The window of time between the fraudulent deposits and withdrawals was approximately 2-4 days. Once the deposits were discovered to be fraudulent, the account holder’s balance would quickly become negative. When the individuals learned that their accounts were in a negative balance, many tried to contact MASSA, but were ignored and, in many instances, blocked from contact. In most instances, the USPS money orders the co-conspirators purchased with these “cracked” debit cards, were later cashed at various post offices or check cashing locations, primarily in New Jersey and Pennsylvania, by MASSA, HERRIN,LOGAN, LEIRE or other co-conspirator sand or their associates.


19.Records obtained on the “Kayg0ldi” Instagram account identified conversations with multiple individuals where MASSA attempted to recruit people into the scheme.
2 Additionally, 2 An Instagram account holder maintains the ability to deactivate and delete information and data from the account. Information or data that is deleted by an account holder is removed from Instagram servers at or around the time it is deleted by the account holder. As a result, the search warrant return on Kayg0ldi’s Instagram account only produced the records available at that time, with no ability to retrieve deleted data to include direct messages.7 investigators were able to obtain an array of advertisements posted to “Kayg0ldi’s”account, similar to those described by the various victims interviewed. 20.Investigators obtained direct message conversations between MASSA and others where MASSA explained how to recruit others and be convincing.
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:smh:
 
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