On December 18, 2018 Off. Andrew Williams responded to the Lancaster County Red Rose Credit Union (LCRRCU) 1010 New Holland Ave. for a complaint of fraudulent activity on financial accounts. The victims in this case are a husband, wife and their child. The family found that there was a car loan and credit card om their accounts and they were not created by the victims. The victims also found a series of suspicious withdrawls from their accounts that dated back to January 2013.
Information was obtained from the victims as well as from LCRRCU. The Credit Union initiated an internal investigation and audit of the victim's accounts and fraudulent activity surrounding them.
January 17, 2019 LCRRCU confirmed the fraudulent activity on the victim's accounts. A representative of LCRRCU met with Det. Adam Dommel and laid out the timeline of fraudulent activity.
A former employee of LCRRCU, identified as Elizabeth Oliver, had been behind the fraudulent activity. Oliver had been described as a lifelong friend of one of the victims. On February 20, 2013 Oliver issued a fraudulent credit card, under the name and identity of the victim's then (1) year old son. The account had a $15, 000 limit.
On February 23, 2013 Oliver took a cash advance in the amount of $14,514.60 on the fraudulent credit card account.
On August 25, 2016 Oliver created a fraudulent car loan, using the wife as the borrower. The amount of the loan was for $26,169.66. The vehicle assigned to the loan did not exist. Oliver listed that a 2015 Ford Explorer was purchased using the VIN from a 2008 Ford Fusion that the victims had previously legitimately financed through LCRRCU.
The funds from the car loan were distributed to pay of the fraudulent credit card under the child's name as well as funds that Oliver had withdrawn from the victim's joint bank account.
The fraudulent car loan was paid monthly by Oliver, sometimes from her account and sometimes from the victim's accounts. LCRRCU records showed transfers of funds from Oliver's personal account to the outstanding car loan. Those payments continued until June 2018 when Oliver resigned from LCRRCU. The loan payments continued to be paid by cash, dropped off at an LCRRCU night deposit box. The last payment made was in October 2018 and was a double payment that covered the payments through November 2018.
In December 2018, the victim attempted to make a purchase from her LCRRCU card and the purchase was denied. The victim was told that her address on file for the card did not match what she provided. The victim followed up with LCRRCU and found that the addresses for all of her accounts had been changed to the address of LCRRCU. The contact at the credit union asked the victim if she had a current car loan through LCRRCU and the victim said she did not.
Because the address on the accounts had been changed to the credit union, the victims had not received printed statements and the fraudulent activity that started in 2013 went undetected until 2018.
As a result of this investigation, Det. Dommel filed a Criminal Complaint against Oliver before the Officer of MDJ 02-2-04. Oliver was charged with Dealing in Proceeds of Unlawful Activities (F1), Theft by Deception (F3), Identity Theft (F3), Access Device Fraud (F3) and Tampering With Records or Identification (M1). Oliver was arraigned on the complaint on June 3, 2019 at the offiice of the MDJ. Bail was set at $250,000 and posted by a bail bond.
All persons accused of a crime are presumed innocent unless proven guilty in court.
As of the time of this release, Oliver has not been placed on record and her photograph is not available. This release will be updated when the photo is available.