identity theft legal question

[kingcuppie]

What is the name of your state (only U.S. law)? PA
a friend of mine goes into a bank, and uses a fake id and someones real ss# and birthdate to try to get a checking account. it gets denied and hes wondering if he can be charged with a crime.
a cop once told me a loophole in identity theft law is that there has to be a monetary loss (or maybe an attempt at a monetary loss, like trying to purchase a vehicle or anything, is what im thinking, but the cop said actual monetary loss, not just an attempt) but anyways a checking account is not applying for credit or anything so does anyone REALLY know the answer to this, if theres anything he can be charged with? please dont give generic answers, give a statute or something if u know.

 

[Who's Liable?]

oh boy...

here we go...

 

[Zigner]

What is the name of your state (only U.S. law)? PA
a friend of mine goes into a bank, and uses a fake id and someones real ss# and birthdate to try to get a checking account. it gets denied and hes wondering if he can be charged with a crime.
a cop once told me a loophole in identity theft law is that there has to be a monetary loss (or maybe an attempt at a monetary loss, like trying to purchase a vehicle or anything, is what im thinking, but the cop said actual monetary loss, not just an attempt) but anyways a checking account is not applying for credit or anything so does anyone REALLY know the answer to this, if theres anything he can be charged with? please dont give generic answers, give a statute or something if u know.

Your "friend" is an idiot

 

[TigerD]

What is the name of your state (only U.S. law)? PA
a friend of mine goes into a bank, and uses a fake id and someones real ss# and birthdate to try to get a checking account. it gets denied and hes wondering if he can be charged with a crime.
a cop once told me a loophole in identity theft law is that there has to be a monetary loss (or maybe an attempt at a monetary loss, like trying to purchase a vehicle or anything, is what im thinking, but the cop said actual monetary loss, not just an attempt) but anyways a checking account is not applying for credit or anything so does anyone REALLY know the answer to this, if theres anything he can be charged with? please dont give generic answers, give a statute or something if u know.

I just wrote a story about a guy facing seven years in the DOC for using fake docs to apply for a payday loan.

DC

 

[cosine]

Here's an excellent reason why we need a form of bankruptcy ... to discharge "friends". The OP needs it.

 

[kingcuppie]

DebtCollector doesnt know how to read

I just wrote a story about a guy facing seven years in the DOC for using fake docs to apply for a payday loan.

DC

UM I SAID THIS IS TOTALLY DIFFERENT BECAUSE A CHECKING ACCOUNT IS NOT AN APPLICATION FORANY KIND OF CREDIT, JUST A CHECKING ACCOUNT! u moron lol
SO DOES ANYONE REALLY KNOW ANA NSWER TO MY QUESTION???

 

[Antigone*]

I just wrote a story about a guy facing seven years in the DOC for using fake docs to apply for a payday loan.

DC

UM I SAID THIS IS TOTALLY DIFFERENT BECAUSE A CHECKING ACCOUNT IS NOT AN APPLICATION FORANY KIND OF CREDIT, JUST A CHECKING ACCOUNT! u moron lol
SO DOES ANYONE REALLY KNOW ANA NSWER TO MY QUESTION???

Posting history of this cupcake is a definite must

 

[davew128]

UM I SAID THIS IS TOTALLY DIFFERENT BECAUSE A CHECKING ACCOUNT IS NOT AN APPLICATION FORANY KIND OF CREDIT, JUST A CHECKING ACCOUNT! u moron lol
SO DOES ANYONE REALLY KNOW ANA NSWER TO MY QUESTION???

A bank account is absolutely credit. U moron. LOL.

 

[Some Random Guy]

According to PA law

Identity theft - 18 Pa. Cons. Stat. § 4120 - Pennsylvania Attorney Resources - Pennsylvania Laws

if the total value involved is less than $2,000, the offense is a misdemeanor of the first degree;

And yes, $0 is less than $2,000. So long as the use of the other person's identity is for an unlawful purpose its a crime.

 

[kingcuppie]

Some Random Guy cant read either

the statue says
(c) Grading.--The offenses shall be graded as follows:
(1) Except as otherwise provided in paragraph (2), an
offense under subsection (a) falls within the following
classifications depending on the value of any property or
services obtained by means of the identifying information:
(i) if the total value involved is less than $2,000,
the offense is a misdemeanor of the first degree;

KEY WORD HERE is OBTAINED! NOTHING WAS OBTAINED SINCE THE CHECKING ACCOUNT WAS DENIED. PEOPLE PLEASE LEARN TO READ!

 

[Zigner]

the statue says
(c) Grading.--The offenses shall be graded as follows:
(1) Except as otherwise provided in paragraph (2), an
offense under subsection (a) falls within the following
classifications depending on the value of any property or
services obtained by means of the identifying information:
(i) if the total value involved is less than $2,000,
the offense is a misdemeanor of the first degree;

KEY WORD HERE is OBTAINED! NOTHING WAS OBTAINED SINCE THE CHECKING ACCOUNT WAS DENIED. PEOPLE PLEASE LEARN TO READ!

You obtained their services in attempting to establish an account.

u moron lol

 

[cosine]

A bank account is absolutely credit. U moron. LOL.

Hmmm. I never got any money out of my checking account. Oh, wait ... I didn't overdraw my account. Silly me.

But what about accounts where no overdraw is allowed? Banks have to do that, now with the new law now in force.

 

[kingcuppie]

Zigner is totally ilogical

Zigner said "You obtained their services in attempting to establish an account."
SO TO ZIGNER, ATTEMPTING TO OBTAIN AND OBTAINING IS THE SAME THING! OMG WHAT GRADE SCHOOL DID HE FAIL??? LOL

 

[Zigner]

Zigner said "You obtained their services in attempting to establish an account."
SO TO ZIGNER, ATTEMPTING TO OBTAIN AND OBTAINING IS THE SAME THING! OMG WHAT GRADE SCHOOL DID HE FAIL??? LOL

Read it again dumbo