Fraude en transacciones con tarjetas financieras

Explicación Simple

El fraude con tarjetas financieras es cuando alguien usa una tarjeta sin permiso para robar dinero. Esto puede incluir mentir sobre una tarjeta perdida o intentar usarla sin el consentimiento del dueño. Es un delito serio y puede llevar a prisión.

Es como si alguien tomara el control de tu cuenta de ahorros y sacara dinero sin que tú lo supieras. Así, esa persona estaría robando tu dinero sin tu autorización.

Ejemplo Práctico

Imagina que Juan encuentra la tarjeta de crédito de su amigo Carlos. En lugar de devolvérsela, decide comprar un videojuego. Esto es fraude porque Juan no tiene permiso de Carlos para usar su tarjeta.

Penalidades

Las penas varían de prisión de hasta 20 años y multas que pueden llegar a $100,000, dependiendo del monto involucrado.

Texto Original del Estatuto (Inglés)

ed to obtain a public assistance benefit; (7) with intent to defraud, falsely notifies the issuer or any other person of a theft, loss, disappearance, or nonreceipt of a financial transaction card; (8) without the consent of the cardholder and knowing that the cardholder has not given consent, falsely alters, makes, or signs any written document pertaining to a card transaction to obtain or attempt to obtain the property of another; or (9) engages in trafficking of SNAP benefits. (a) A person who commits financial transaction card fraud may be sentenced as follows: (1) for a violation of subdivision 2, clause (1), (2), (5), (8), or (9): (i) to imprisonment for not more than 20 years or to payment of a fine of not more than $100,000, or both, if the value of the property the person obtained or attempted to obtain was more than $35,000, or the aggregate amount of the transactions under this subdivision was more than $35,000; or (ii) to imprisonment for not more than ten years or to payment of a fine of not more than $20,000, or both, if the value of the property the person obtained or attempted to obtain was more than $2,500, or the aggregate amount of the transactions under this subdivision was more than $2,500; or (iii) to imprisonment for not more than five years or to payment of a fine of not more than $10,000, or both, if the value of the property the person obtained or attempted to obtain was more than $250 but not more than $2,500, or the aggregate amount of the transactions under this subdivision was more than $250 but not more than $2,500; or (iv) to imprisonment for not more than five years or to payment of a fine of not more than $10,000, or both, if the value of the property the person obtained or attempted to obtain was not more than $250, or the agg