Lợi dụng sơ hở của chương trình “đổi thẻ lấy thẻ”, Hảo đã bàn với Lan làm giả hồ sơ xin cấp thẻ tín dụng để chiếm đoạt tiền của hàng loạt ngân hàng và công ty tài chính…

Sau nhiều ngày xét xử, sáng 5/4, TAND TP Hà Nội tuyên phạt đối với Ngô Thị Ngọc Lan (SN 1994, phường Thọ Xương, TP. Bắc Giang) và 10 đồng phạm với các tội danh Lừa đảo chiếm đoạt tài sản; Làm giả con dấu, tài liệu của cơ quan, tổ chức.
Tòa án đánh giá hành vi của các bị cáo là đồng phạm giản đơn, xâm phạm hoạt động đúng đắn của cơ quan nhà nước trong thời gian dài. Do đó, tòa tuyên phạt Lan mức 15 năm tù về 2 tội danh trên. Các bị cáo còn lại chấp hành án từ 34 tháng tù – 13 năm 6 tháng tù.
LÀM GIẢ TÀI LIỆU ĐỂ CHIẾM ĐOẠT TIỀN TỶ
Cáo trạng thể hiện, Lan từng là nhân viên ngân hàng và có quen với Phan Thị Hảo từ năm 2018.
Hảo biết một số ngân hàng có chương trình “đổi thẻ lấy thẻ” với mục đích đẩy mạnh phát hành thẻ tín dụng trên cơ sở khách hàng đã có thẻ tín dụng của bất cứ ngân hàng hàng nào.

Căn cứ lịch sử tín dụng của khách hàng và sự thẩm tra, xác minh của ngân hàng khi phát hành thẻ nên khi khách hàng muốn mở tiếp thẻ tín dụng thì chỉ cần xuất trình thẻ tín dụng cũ và các giấy tờ tùy thân. Khách hàng không cần phải chứng minh thu nhập, lịch sử tín dụng.
Lợi dụng sơ hở của chương trình, Hảo đã bàn với Lan làm giả hồ sơ xin cấp thẻ tín dụng để chiếm đoạt tiền của các ngân hàng.
Cả hai thống nhất, Lan có trách nhiệm lấy thông tin khách hàng có đủ điều kiện được cấp/đổi thẻ tín dụng (không tiêu quá 70% hạn mức thẻ) và lấy bản sao CMND, Sổ Hộ khẩu, Thẻ tín dụng, Bảo hiểm y tế… rồi chuyển cho Hảo.
Hảo có trách nhiệm tìm người đóng giả khách hàng để ký hồ sơ, tìm người làm giả giấy tờ, tìm nhân viên ngân hàng tư vấn lập sơ đủ điều kiện, chuẩn bị sim điện thoại để nhân viên gọi hỏi kiểm tra thông tin, thuê máy POS để quẹt thẻ tín dụng rút tiền…
Với số tiền chiếm đoạt, sau khi trừ các chi phí thì Hảo và Lan mỗi người chia nhau một nửa.
Sau khi bàn bạc, Lan đã tìm và cung cấp thông tin của 4 khách hàng có thể xin cấp thẻ tín dụng cho Hảo.
Với thông tin khách hàng có được, Lan đã tìm Phạm Thị Thanh Nga (SN 1984, ở quận Hà Đông), Nguyễn Thị Hương Giang (SN 1977, ở tỉnh Bắc Ninh) và đối tượng Hương (chưa rõ lai lịch) sẽ đứng tên hợp đồng xin cấp thẻ tín dụng. Nếu thẻ được phát hành thì họ sẽ được hưởng từ 3 triệu đồng – 5 triệu đồng/thẻ.
Nga, Giang và Hương đã đồng ý giúp Hảo, cung cấp ảnh chân dung để làm giả CMND. Hảo gọi cho Nguyễn Trọng Nam (SN 1975, ở quận Bắc Từ Liêm) để nhờ làm giả CMND và Sổ hộ khẩu.
Khi đã có CMND và Sổ hộ khẩu giả, Hảo đã lập 3 hồ sơ xin cấp thẻ tín dụng tại Ngân hàng TPBank. Hảo thỏa thuận với nhân viên ngân hàng sẽ trích 15% giá trị thẻ. Ngoài ra Hảo còn gửi hồ sơ xin cấp thẻ tại các ngân hàng khác.
Kết quả điều tra xác định từ tháng 1-6/2019, Hảo, Lan và đồng phạm đã làm giả các tài liệu để thực hiện trót lọt 7 vụ lừa đảo, chiếm đoạt hơn 1,3 tỷ đồng tại TPBank, Standard Chartered Bank và Công ty tài chính Lotte Finance Việt Nam.
Cụ thể, tại TPBank, khoảng tháng 2/2019, Hảo lấy ảnh của Giang để làm giả CMND mang tên Lê Thị Như Hằng với thông tin giả là Hằng làm quản lý của cửa hàng ăn, mức thu nhập 48 triệu đồng/tháng. Sau khi kiểm tra trên hệ thống Trung tâm thông tin tín dụng (CIC), nhân viên ngân hàng báo khách hàng này có đủ điều kiện mở thẻ.
Ngày 25/2/2019, Hảo đưa cho Giang hồ sơ giả và điện thoại Nokia có lắp sẵn sim đã khai báo trong hồ sơ xin cấp thẻ tín dụng để gọi điện cho nhân viên ngân hàng. Với hồ sơ này, Hảo và Giang được phát hành thẻ tín dụng hạng Platinum hạn mức 100 triệu đồng. Sau đó, Hảo đã quẹt thẻ máy POS. Trừ các chi phí, Hảo nhận tiền mặt 87,5 triệu đồng.
Bằng cách thức trên, các bị cáo tiếp tục thực hiện chiêu lừa đảo, chiếm đoạt tiền ở các ngân hàng khác.
TÁCH HÀNH VI, ĐIỀU TRA SAU
Quá trình điều tra, Hảo bị mắc bệnh tâm thần. Theo kết luận giám định, trước và trong khi thực hiện hành vi phạm tội, Hảo không có bệnh tâm thân, đủ khả năng nhận thức và điều khiển hành vi. Tại thời điểm giám định, Hảo bị bệnh tâm thần phân liệt, ở giai đoạn cấp tính.
Do đó, cơ quan điều tra ra quyết định thi hành biện pháp bắt buộc chữa bệnh với Hảo. Công an tách hành vi của Hảo để xử lý sau.
Theo Viện kiểm sát, Lan đồng phạm với Hảo làm giả 4 CMND, 4 sổ hộ khẩu để thực hiện 7 vụ lừa đảo, chiếm đoạt số tiền hơn 1,3 tỷ đồng của 3 ngân hàng và công ty tài chính. Lan đã thu lời bất chính hơn 523 triệu đồng.
Còn Giang gây ra 6 vụ, chiếm đoạt hơn 1 tỷ đồng của 4 ngân hàng gồm TPBank số tiền 97,9 triệu đồng; Standard Chartered Bank 303 triệu đồng, Công ty tài chính Lotte Finance Việt Nam 55,5 triệu đồng; Công ty VietCredit 134,8 triệu đồng; thu lời bất chính 13 triệu đồng.
Ngoài ra, các bị cáo khác như Nguyễn Thị Thanh Thanh làm giả 36 CMND, thực hiện 22 vụ lừa, chiếm đoạt Công ty VPB FC hơn 600 triệu đồng; Phạm Thị Thanh Nga đồng phạm với Thanh làm giả 16 CMND, đồng phạm với Hảo và Thanh thực hiện 16 vụ lừa chiếm đoạt hơn 589 triệu đồng…
Về phần trách nhiệm dân sự, tòa án tuyên buộc các bị cáo phải liên đới bồi thường cho các bị hại. Đồng thời giành quyền khởi kiện cho các bị cáo đối với Hảo trong vụ án khác.
Quá trình điều tra, Công ty VietCredit có đơn tố giác đối với một số hồ sơ liên quan đến một số thẻ tín dụng nhưng do chưa làm rõ việc nhân viên giúp sức cho đối tượng lừa đảo, có trường hợp chưa thu giữ được tài liệu liên quan nên công an tách hồ sơ, xử lý sau.
Ngoài ra, Hảo, Lan và Giang còn khai nhận sử dụng hồ sơ giả mang tên Lê Thị Như Hằng để chiếm đoạt tiền của ngân hàng khác. Công an đề nghị ngân hàng này cung cấp thông tin nhưng đến nay chưa nhận được phản hồi nên tách hành vi, xử lý sau.
Nguồn: https://vneconomy.vn/ngan-hang-cong-ty-tai-chinh-bi-mat-tien-ty-vi-tai-lieu-bi-lam-gia.htm
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For example, a examine sample of people with cpmparatively effectively-managed kind 2
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or not thi may translate into changes in insulin or hypoglycemic
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