Chapter 10 - The Account in My NameLena Ortiz found the bank account.
Sterling Home Equity had requested proof of where loan proceeds would be deposited.
Ashley supplied routing and account numbers for a checking account at Riverbend Bank.
Account title:
Margaret A. Sullivan or David T. Sullivan.
I had never opened it.
Robert contacted Riverbend’s fraud department.
The account was three months old.
Initial deposit:
$250.
Source:
David.
Online access:
email created in my name.
The bank had a scanned signature card.
My signature was forged.
Again.
The account had not yet received HELOC proceeds.
But it had been used for two small test transfers from David and Ashley’s personal accounts.
A staging area.
Identity theft was no longer limited to one lender.
Robert helped me file a formal identity-theft report.
Police report.
FTC identity-theft documentation.
Bank affidavits.
Credit freezes.
I had prepared similar packets for clients.
Now I was the client.
There was something profoundly humiliating about proving you had not opened an account carrying your own name.
Detective Morris asked me:
“Who had access to your Social Security number?”
“My son.”
“Anyone else?”
“Ashley could have found it.”
“Driver’s license?”
“David had photographed it last year while helping with a registration renewal.”
“Do you have evidence?”
A text.
Mom, send front/back of license so I can finish DMV form.
I still had it.
Detective Morris nodded.
“Keep everything.”
She was careful not to promise charges.
Fraud investigations took time.
Intent mattered.
Evidence mattered.
Jurisdiction mattered.
But the pattern was expanding.
Forged deed.
Loan application.
Bank account.
Guardianship petition.
Interception of mail.
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Possible false notarization.
This was not a misunderstanding.
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