Our bank has recently been involved in two fraud losses that involved family members, namely mother and daughter. The mom opens a savings account and deposits a sum of money into the account. Within 15 days after opening the daughter with the mother's driver's license in hand visits our drive-thru motor branch and makes a withdrawal from the account (she also has the account no. written on the form and uses the DL No. of her mom for the transaction). Our CCTV is black and white and hard to discern the customer conducting the transaction in the far lane (there are 4 lanes). Upon discovering the fraud some three days later, the daughter attempted three more such transactions and was caught at one of our other branches in the drive-thru. The mother claimes she does not know how the daughter got access to her DL or to the account info. But when confronted by the local PD, the mom decided not to file any charges against the daughter.
How do other banks handle such situations as this when family members are involved and no one wants to prosecute. Do we just hand over the money or is there more to it?
It looks like a scam to me to beat the bank out of some money! The girl has a police report of other petty crimes and outstanding warrants. The mother also knew the girl had problems with the law (she's only 20) but resembles her mother to a tee! I believe its a scam and a fraud on the bank and both are part of the whole plot.
Help! Anyone with any experiences with this sort of fraud?