SHUTTER SCAMMER DEFRAUDS FLORIDIANS OF MORE THAN $450,000 Detective John M Gaspar Www.AFIPI.com


SHUTTER SCAMMER DEFRAUDS FLORIDIANS OF MORE THAN $450,000 Detective John M Gaspar Www.AFIPI.com

Shutter Bug

SHUTTER SCAMMER DEFRAUDS FLORIDIANS OF MORE THAN $450,000 Detective John M Gaspar

The ‘shutter bug’ case HURRICANE SHUTTER SCAMMER DEFRAUDS FLORIDIANS OF MORE THAN $450,000 Detective John M Gaspar

The ‘shutter bug’ case

HURRICANE SHUTTER SCAMMER DEFRAUDS FLORIDIANS OF MORE THAN $450,000 Detective John M Gaspar

November/December 2013

John M. Gaspar, CFE

Case in point: Case history dissection

    © HEMERA/THINKSTOCK

It was another Monday morning at Flagler County (Florida) Sheriff’s Office (FCSO) Criminal Investigation Division (CID). On the first day of the workweek, we’d review all the crimes committed over the weekend and return to a plethora of police reports and messages from citizen and deputies.

I’ve always taken an interest in patterns of behavior. In my more than three decades as an investigator, I noticed that fraud and theft schemes were on the rise not only nationally but also in Flagler County. I believe this increase was in part because of a difficult economy, availability of prime victims and a greater chance of getting away with fraud over crimes of violence. Also, some prosecutors and detectives don’t always see a fraudster’s modus operandi as criminal in nature. Other factors include limited resources, unreasonable detective caseloads and prosecutors’ and police personnel’s lack of understanding of fraud crimes. This leaves many fraud victims without closure.

I think I looked at fraud differently than many other law enforcement investigators. Of course, I would be upset if someone forcibly pushed me to the ground and took my Casio watch (valued at $125) and $20 of U.S. currency from my wallet. However, if someone defrauded me out of US$10,000 in a hurricane shutters fraud scheme (later we would nickname it “shutter bug fraud”) I would be severely financially injured, possibly for the rest of my life.

My interest in fraud cases at the police department spurred me to be more attentive to the many potential schemes that were classified as civil and not criminal. These crimes left a trail of devastated victims in their wakes. In Florida, like most other states, larceny occurs when someone temporarily or permanently deprives someone of something of value (currency, property, etc.).

According to the ACFE’s Fraud Tree, larceny of cash is one of the main components of asset misappropriation; identifying it is a good place to start when investigating fraud. The next step is gathering information to see if there’s a pattern and hence a fraud scheme or an isolated theft.

FIRST 'SHUTTER BUG' FRAUD VICTIM

So, in 2006, I was at my desk in the police station at about 8:30 a.m. with my second cup of coffee when I greeted Mary, 76, a citizen with a problem. She had purchased shutters from a franchisee of Roll-Away Shutters in Florida. She explained that she’d filed a police report months earlier; she’d made numerous inquiries about it, but no one had gotten back to her. I pulled the report up and saw that it was marked as a civil case information report and not a crime; that was why I wasn’t aware of the incident.

One of the things I learned as a NYPD detective working out of major case squad in Manhattan is to be an active listener. You learn a lot in life by just shutting up and paying attention. So I listened to Mary as she explained that she purchased shutters from a man named Daniel Quinn through a salesman named John more than 18 months previously. They took a 50 percent deposit. The State of Florida only allows 10 percent down on a purchase unless the work is completed within a designated time.

I asked Mary questions that would help me identify if this was a civil or criminal matter. Best practices, time and training via the ACFE had helped develop a skill set that would allow me to see beyond the veneer of the initial police report and look for information that may indicate the incident may not have been civil in nature. As a CFE since 1989, I’ve been exposed to a highly qualified and dedicated community of anti-fraud experts, and I’ve shared information with them about fraud schemes.

MY INITIAL INTERVIEW WITH MARY

Q: What efforts have you made to contact Mr. Daniel Quinn?

A: I called and wrote to him on numerous occasions, and he has not contacted me.

Q: Do you have phone records?

A: I do and I’ll bring them to you.

Her phone records showed she had called Quinn more than 30 times in the previous year; each call lasted about one to three minutes each. That coincided with her account that when she had left numerous messages on Quinn’s company voice mail. It’s important to have a witness’ testimonial evidence supported by forensic evidence for a good prosecutable case.

Q: Did you ever write Mr. Quinn about this business transaction, and if so, do you have a copy of that or those letters?

A: I did, and I can bring you those letters.

Mary provided me with several letters she had sent certified return mail in which she wrote that she wanted either the job completed or an immediate refund. Quinn’s business accepted some of these letters, and others came back stamped undeliverable.

At this initial stage of the investigation, I established that this was not a civil matter and it may be criminal because any reasonable person would believe that for 18 months Mary had $2,500 less in her bank account and no hurricane shutters.

In our police department, we would distinguish a civil complaint from a prosecutable criminal complaint by identifying if:

  1. The complainant made and documented reasonable efforts to resolve the compliant.
  2. The contractor made reasonable efforts to resolve the issue and return the deposit, funds or property.


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TEXT ONLY 2000 CHARACTER LIMIT

Related Links

2013 CFE Exam Prep Course, US Edition2013 CFE Exam Prep Toolkit, US Edition2013 Fraud Examiners Manual, US EditionACFE Fraud Casebook BundleBribery and Corruption CasebookFinancial Statement Fraud Casebook: Baking the Ledgers and Cooking the BooksFraud Casebook: Lessons from the Bad Side of Business

Download Article

ABOUT THE ACFE
MEMBERSHIP & CERTIFICATION
EVENTS, TRAINING & PRODUCTS
FRAUD RESOURCES
CAREER
COMMUNITY

© 2016 Association of Certified Fraud Examiners, Inc. All rights reserved.

MATRIMONIAL INVESTIGATIONS IN DAYTONA BEACH, FL & THROUGHOUT FLORIDA

— John Gaspar

MATRIMONIAL INVESTIGATIONS IN DAYTONA BEACH, FL & THROUGHOUT FLORIDA

MATRIMONIAL INVESTIGATIONS IN DAYTONA BEACH, FL & THROUGHOUT FLORIDA

No one likes to think about a spouse being unfaithful. But sometimes the signs are too hard to ignore. Whether you need to know the truth as part of divorce proceedings or you just want some peace of mind, you can count on our licensed, professional investigative team in Daytona Beach and throughout Florida to conduct a discreet surveillance of your spouse.

THE ANSWERS YOU NEED

Our infidelity investigation services are designed to give you all the information you need to plan your next move. Our private investigators can assist you by:

·Obtaining proof of infidelity

·Searching for hidden assets

·Tracking down vehicles

·Performing electronic surveillance

We at All Florida Investigations & Forensic Services Inc understand that infidelity is a sensitive, emotional matter, and when you work with us, you'll benefit from our compassionate approach to all that we do. So if you need answers about your spouse, it's time to enlist our help. Call today for more information or to schedule a consultation.

​MATRIMONIAL INVESTIGATIONS IN DAYTONA BEACH, FL & THROUGHOUT FLORIDA

MATRIMONIAL INVESTIGATIONS IN DAYTONA BEACH, FL & THROUGHOUT FLORIDA

No one likes to think about a spouse being unfaithful. But sometimes the signs are too hard to ignore. Whether you need to know the truth as part of divorce proceedings or you just want some peace of mind, you can count on our licensed, professional investigative team in Daytona Beach and throughout Florida to conduct a discreet surveillance of your spouse.

THE ANSWERS YOU NEED

Our infidelity investigation services are designed to give you all the information you need to plan your next move. Our private investigators can assist you by:

·Obtaining proof of infidelity

·Searching for hidden assets

·Tracking down vehicles

·Performing electronic surveillance

We at All Florida Investigations & Forensic Services Inc understand that infidelity is a sensitive, emotional matter, and when you work with us, you'll benefit from our compassionate approach to all that we do. So if you need answers about your spouse, it's time to enlist our help. Call today for more information or to schedule a consultation.

Threat assessment

https://www.youtube.com/watch?v=musJUQXx2CU

John Gaspar, B.S., M.S., C.F.E., C.S.T

Board Accredited Investigator

Board Member for Florida Association of Private Investigators

www.afipi.comjgaspar@afipi.com

Phone: 1-888-697-3478  Facsimile: 386-845-9265

John Gaspar

PRIVILEGED AND CONFIDENTIAL INFORMATION

This e-mail transmission is intended only for the use of the individual(s) herein named, and may contain confidential and/or legally privileged information from John M Gaspar. If you are not the intended recipient, you are hereby notified that any disclosure, copying, distribution or the taking of any action in reliance on the contents of this e-mail/file document is strictly prohibited. If you have received this mail/file document in error, please notify the sender immediately by return e-mail and permanently delete the copy you received.

MATRIMONIAL INVESTIGATIONS IN DAYTONA BEACH, FL & THROUGHOUT FLORIDA

 

 

MATRIMONIAL INVESTIGATIONS IN DAYTONA BEACH, FL & THROUGHOUT FLORIDA

No one likes to think about a spouse being unfaithful. But sometimes the signs are too hard to ignore. Whether you need to know the truth as part of divorce proceedings or you just want some peace of mind, you can count on our licensed, professional investigative team in Daytona Beach and throughout Florida to conduct a discreet surveillance of your spouse.

THE ANSWERS YOU NEED

Our infidelity investigation services are designed to give you all the information you need to plan your next move. Our private investigators can assist you by:

·Obtaining proof of infidelity

·Searching for hidden assets

·Tracking down vehicles

·Performing electronic surveillance

We at All Florida Investigations & Forensic Services Inc understand that infidelity is a sensitive, emotional matter, and when you work with us, you'll benefit from our compassionate approach to all that we do. So if you need answers about your spouse, it's time to enlist our help. Call today for more information or to schedule a consultation.

 

 

John Gaspar, B.S., M.S. MBA, C.F.E., C.S.T 

Board Accredited Investigator

Florida License # A 2800136  C 8700343

www.afipi.comjgaspar@afipi.com

Phone : 1-888-697-3478        Facsimile: 386-

SHUTTER SCAMMER DEFRAUDS FLORIDIANS OF MORE THAN $450,000 Detective John M Gaspar Www.AFIPI.com

Shutter Bug

 

SHUTTER SCAMMER DEFRAUDS FLORIDIANS OF MORE THAN $450,000 Detective John M Gaspar

The ‘shutter bug’ case HURRICANE SHUTTER SCAMMER DEFRAUDS FLORIDIANS OF MORE THAN $450,000 Detective John M Gaspar

 

The ‘shutter bug’ case

HURRICANE SHUTTER SCAMMER DEFRAUDS FLORIDIANS OF MORE THAN $450,000 Detective John M Gaspar

November/December 2013

John M. Gaspar, CFE

Case in point: Case history dissection

    © HEMERA/THINKSTOCK

It was another Monday morning at Flagler County (Florida) Sheriff’s Office (FCSO) Criminal Investigation Division (CID). On the first day of the workweek, we’d review all the crimes committed over the weekend and return to a plethora of police reports and messages from citizen and deputies.

I’ve always taken an interest in patterns of behavior. In my more than three decades as an investigator, I noticed that fraud and theft schemes were on the rise not only nationally but also in Flagler County. I believe this increase was in part because of a difficult economy, availability of prime victims and a greater chance of getting away with fraud over crimes of violence. Also, some prosecutors and detectives don’t always see a fraudster’s modus operandi as criminal in nature. Other factors include limited resources, unreasonable detective caseloads and prosecutors’ and police personnel’s lack of understanding of fraud crimes. This leaves many fraud victims without closure.

I think I looked at fraud differently than many other law enforcement investigators. Of course, I would be upset if someone forcibly pushed me to the ground and took my Casio watch (valued at $125) and $20 of U.S. currency from my wallet. However, if someone defrauded me out of US$10,000 in a hurricane shutters fraud scheme (later we would nickname it “shutter bug fraud”) I would be severely financially injured, possibly for the rest of my life.

My interest in fraud cases at the police department spurred me to be more attentive to the many potential schemes that were classified as civil and not criminal. These crimes left a trail of devastated victims in their wakes. In Florida, like most other states, larceny occurs when someone temporarily or permanently deprives someone of something of value (currency, property, etc.).

According to the ACFE’s Fraud Tree, larceny of cash is one of the main components of asset misappropriation; identifying it is a good place to start when investigating fraud. The next step is gathering information to see if there’s a pattern and hence a fraud scheme or an isolated theft.

FIRST 'SHUTTER BUG' FRAUD VICTIM

So, in 2006, I was at my desk in the police station at about 8:30 a.m. with my second cup of coffee when I greeted Mary, 76, a citizen with a problem. She had purchased shutters from a franchisee of Roll-Away Shutters in Florida. She explained that she’d filed a police report months earlier; she’d made numerous inquiries about it, but no one had gotten back to her. I pulled the report up and saw that it was marked as a civil case information report and not a crime; that was why I wasn’t aware of the incident.

One of the things I learned as a NYPD detective working out of major case squad in Manhattan is to be an active listener. You learn a lot in life by just shutting up and paying attention. So I listened to Mary as she explained that she purchased shutters from a man named Daniel Quinn through a salesman named John more than 18 months previously. They took a 50 percent deposit. The State of Florida only allows 10 percent down on a purchase unless the work is completed within a designated time.

I asked Mary questions that would help me identify if this was a civil or criminal matter. Best practices, time and training via the ACFE had helped develop a skill set that would allow me to see beyond the veneer of the initial police report and look for information that may indicate the incident may not have been civil in nature. As a CFE since 1989, I’ve been exposed to a highly qualified and dedicated community of anti-fraud experts, and I’ve shared information with them about fraud schemes.

MY INITIAL INTERVIEW WITH MARY

Q: What efforts have you made to contact Mr. Daniel Quinn?

A: I called and wrote to him on numerous occasions, and he has not contacted me.

Q: Do you have phone records?

A: I do and I’ll bring them to you.

Her phone records showed she had called Quinn more than 30 times in the previous year; each call lasted about one to three minutes each. That coincided with her account that when she had left numerous messages on Quinn’s company voice mail. It’s important to have a witness’ testimonial evidence supported by forensic evidence for a good prosecutable case.

Q: Did you ever write Mr. Quinn about this business transaction, and if so, do you have a copy of that or those letters?

A: I did, and I can bring you those letters.

Mary provided me with several letters she had sent certified return mail in which she wrote that she wanted either the job completed or an immediate refund. Quinn’s business accepted some of these letters, and others came back stamped undeliverable.

At this initial stage of the investigation, I established that this was not a civil matter and it may be criminal because any reasonable person would believe that for 18 months Mary had $2,500 less in her bank account and no hurricane shutters.

In our police department, we would distinguish a civil complaint from a prosecutable criminal complaint by identifying if:

 

  1. The complainant made and documented reasonable efforts to resolve the compliant.
  2. The contractor made reasonable efforts to resolve the issue and return the deposit, funds or property.

 

 


For full access to story, members may sign in here.

Not a member? Click here to Join Now and access the full article.You must be logged in to leave a comment...

ADD COMMENT

 

TEXT ONLY 2000 CHARACTER LIMIT

Related Links

2013 CFE Exam Prep Course, US Edition2013 CFE Exam Prep Toolkit, US Edition2013 Fraud Examiners Manual, US EditionACFE Fraud Casebook BundleBribery and Corruption CasebookFinancial Statement Fraud Casebook: Baking the Ledgers and Cooking the BooksFraud Casebook: Lessons from the Bad Side of Business

 

Download Article

ABOUT THE ACFE
MEMBERSHIP & CERTIFICATION
EVENTS, TRAINING & PRODUCTS
FRAUD RESOURCES
CAREER
COMMUNITY

© 2016 Association of Certified Fraud Examiners, Inc. All rights reserved.

Child Custody Investigations in Daytona Beach , FL & Throughout Florida John GasparMarch 7 — John Gaspar

Child Custody Investigations in Daytona Beach , FL & Throughout Florida John GasparMarch 7 — John Gaspar

 

CHILD CUSTODY INVESTIGATOR IN DAYTONA BEACH, FL & THROUGHOUT FLORIDA

If there's been custodial interference and your child has been taken by your spouse, allow All Florida Investigations to assist you to find your child.  We will work hand in hand with local authorities to ensure that your child is returned safely and your spouse prosecuted.

As a parent, you want to make sure that your child is being taken care of properly. But sometimes it can be difficult to gauge how your child is faring when he or she isn't under your roof. Whether you're going through a divorce or are already involved in a child custody dispute, our compassionate, dedicated team in Daytona Beachand throughout Florida is on hand to serve you. We offer thorough, dependable child custody investigations designed to give you the answers and peace of mind you need and deserve.

YOUR CHILD'S BEST INTERESTS IN MIND

At All Florida Investigations & Forensic Services Incwe understand that matters relating to child custody are both sensitive and emotional. We also know that a lot is riding on the information we're able to gather and provide. After all, nothing is more important than your child's safety and wellbeing, and to that end, we'll work tirelessly to get you the answers you're after so that you can take the appropriate next steps.

Don't spend your days and nights worrying about your child. Get the information you need to pursue your child custody matter with our in-depth investigation services. Call the AFI office today to schedule an appointment.

http://www.afipi.com/child-custody/

 

 

John Gaspar, B.S., M.S. MBA, C.F.E., C.S.T 

Board Accredited Investigator

Florida License # A 2800136  C 8700343

www.afipi.comjgaspar@afipi.com

Phone : 1-888-697-3478        Facsimile: 386-845-9265

 

John Gaspar

"DE-BUGGING" ELECTRONIC BUG & VIDEO CAMERA SWEEPS IN Orlando and DAYTONA BEACH, FL AND THROUGHOUT FLORDIA call 888-697-3478 www.AFIPI.com


"DE-BUGGING" ELECTRONIC BUG & VIDEO CAMERA SWEEPS IN Orlando and DAYTONA BEACH, FL AND THROUGHOUT FLORDIA

"DE-BUGGING" ELECTRONIC BUG & VIDEO CAMERA SWEEPS IN Orlando and DAYTONA BEACH, FL AND THROUGHOUT FLORDIA

Are you being watched or listened to without your knowledge?

This invasion of your privacy can cost you everything.

AFI has many technological services of which include electronic bug sweeping of:

·Offices

·Board Rooms

·Stand Alone Buildings

·Hotel Rooms

·Vehicles

·Houses

·Condos

·Recreational Vehicles

·Aircraft

·Boats & Yachts

Information is now the power tool of all industry. Hidden cameras and sophisticated audio bug devices are now a chronic issue in everyone's business and personal life. Technology has now made these devices extremely covert, inexpensive and internet accessible for purchase at very reasonable prices by the unscrupulous. Don't let the intellectual property of your corporation or your personal privacy and conversations be at risk for theft. In today's competitive business world, it is all about confidentiality, security and peace of mind. Not taking proper security measures can be catastrophic.

If you or your company has proprietary information that gives you a market edge, then there are others that know its value and will do virtually anything to get it. These people are called competitors and not partners for a reason. Corporate Espionage is a fact of the business world and those individuals are often employees that have been swayed by others.

AFI's Investigators have the technological ability and the newest of equipment to perform electronic sweeps in conjunction with physical searches to clear a room, office, vehicle or an entire stand-alone building. Electronic bug technology now comes in many forms such as: GSM, CDMA, 3G, Bluetooth, WiFi and WiMax transmitters. Camera technology is just as sophisticated and virtually invisible to the untrained eye and without the proper detection equipment, almost impossible to expose and eliminate the risk and liability that they impose. Once an electronic device is uncovered, AFI investigators will collect evidence and perform proper investigative Due Diligence for prosecution against those responsible for these illegal and unethical actions.

There is an old saying: if you have ever thought or suspected you might have a problem, you probably do!

Don't wait until you have a loss. Now is the time to eliminate the risk and discreetly investigate the culprit and put a stop to it. Remember, if you suspect you have been bugged, do not discuss this matter with anyone! Contact AFI from a secure line away from the location that is suspect and let us advise you on the next course of action. Again, many of these issues are caused by a trusted employee and you never know whose listening.

Contact AFI today for more information regarding a complete surveillance sweep of the confidential areas of YOUR life.

Call now to speak with an investigator for a free consultation:

888-634-4643

 

 

 

John Gaspar, B.S., M.S. MBA, C.F.E., C.S.T 

Board Accredited Investigator

www.afipi.comjgaspar@afipi.com

Phone : 1-888-697-3478        Facsimile: 386-845-9265

 

John Gaspar