No I agree with you, what I am saying is, it doesn't make sense to use a fake ID anyway; theyre not going to take or give you fiat to an account with a name that doesn't match the ID. Not even Binance will do that.
The CASH APP records are between an individual and others but not under the name ILJ. It is possible she is using two IDs to go over the amount which is allowed to be transfered daily but undocumented
Godspeed.
( I have a fair idea of AML but not as much as I'd like. It's the angle that interests me most at present in these investigashuns.)
Alright, first off, I'm not an expert, I'm only familiar with this stuff through osmosis and standard training you get through financial institutions. I do have some stuff to reference though so I may make mistakes.
First, a bit of background. The US has several major pieces of legislation involving the movement of money potentially relevant to this case: The Bank Security Act of 1979 (BSA), The Money Laundering Control Act of 1986 (MLCA), the Anti-Drug Abuse Act of 1988 (ADAA), the Anti-Money Laundering Acts of 1992 and 2020 (AMLA), and the PATRIOT Act. If Isabella is scamming people out of larger amounts of money, all of these could potentially come into play in the legal process in some way. For anyone not in the know, money laundering is something taken pretty seriously by Uncle Sam, and as such financial institutions have to cover their asses quite a bit. The stuff I'm going to focus on here is related more to the MCLA, and the AMLA, which is related more to her actions here and what she was doing to skirt around the law, if she was using these ID's for scam shit. I recommend you look into these on your own as well, the history of *why* will explain quite a bit about how banks act now.
To cut a lot of legal bullshit short, banks share information with authorities and each other if legal shit gets involved. Every transaction, especially if it's a wire, HAS to be written down, same with cashiers checks and money orders, obviously. But most transactions don't really come to the attention of the authorities automatically. Why? They're less than 10k in cash, or 3k for fund transfers from account to account. If you're moving money and it its in cash and less than 10k, nobody has to file shit to the feds, just write down you withdrew money. If it's over 10k, it has to be recorded through a Currency Transaction Report (or CTR). This has to be done within 15 days of the transaction. Suspicious Activity Reports are similar, though they can apply to any amount of money if someone inside the financial institution is suspicious about what's happening with transactions. It's very possible that the Ruckersville Bank of America has really, REALLY fucked up repeatedly with Chris in not making SAR's during the Idea Guys saga. These have to be completed within a month of the transaction. They missed obvious fraud shit, without a doubt, or decided that the local retard sending 6k out was totally normal activity. Theoretically, FinCEN (the guys who monitor compliance for this sort of shit) could be someone to try and get in touch with, but that'd require the local bank giving a fuck.
So here's how Bella is fucking herself super god damn hard if she's using multiple accounts and ID's to get around. Not only is she potentially running to the buzzsaw of banks who really don't want to eat multimillion dollar fines for failing to document everything, she's running into the MLCA and AMLA stuff for money laundering, if a prosecutor is feeling really frisky. She's converting money stolen from say, Barb, through transfers into her other accounts to use to buy shit for herself. She's using fake identities, which is also a federal crime. She's using them to (possibly) open accounts with financial institutions, which is running into the Patriot act and banking fraud charges. So if she's opening multiple accounts with multiple banks using her real and fake shit, and then transferring money from the fake accounts to her real one through say, a cash app or cash withdrawals, or just minor transfers,
and has boasted about this and posted evidence saying she did it, we're looking at a real fun list of possible charges here.
First, Bank Fraud. Opening an account with the intent of using it to commit criminal activity using it is defrauding the bank. You're falsely representing yourself as a legitimate account. Next up, wire fraud. Wire fraud requires three things.
1. A scheme to commit fraud. Basically, Bella has to decide she wants to take money from people, using false statements or promises. Simply spending the money she got from chris he gave her expecting art or other shit could reach this, if there was no compensation given.
2. This is the important bit. Intention to commit fraud. She meets this without a doubt. Chris was paying her money for stuff she never intended to provide, or on things other than what he gave her money for.
3. Use of a phone, wire, telegraph, radio, etc. to advance the scheme. Everything that Bella promised was discussed online, noted to be fake, and more. This is what makes it wire fraud/internet fraud. For federal charges there's a little bit more, but it has to have money cross state lines (check) and involve interstate communication (also check)
Lastly, identity theft. This one might be a bit murkier, and might be also identity fraud wrapped into the other two. This one is the most murky of the one you could pin on her.
In total though, she's looking at a lot of cash in fines or prison sentences, especially if the prosecutor leans on the fact she targets mentally ill or handicapped individuals. Chris can't be the first person she's scammed like this.
