Monday, February 20, 2012

In Credit-Card-Number Case, Identity-Theft Victims Finally Get Some Respect

     The three last week lost a Federal Appeals Court case involving sentences they received for fencing high-end stolen goods. Their sentences were 12 years in prison (Ms. Sandoval, the ringleader), 40 months (Ms. Hicks) and 21 months (Mr. Vanderhack). And while the legal matter involved how one interprets sentencing guidelines, their misdeeds should make you pause the next time you give out your credit card numbers.
     Ms. Sandoval, Ms. Hicks and Mr. Vanderhack managed to steal card information from right under the noses of retailers like Neiman Marcus, Bloomingdale’s and Saks Fifth Avenue and fraudulently ordered merchandise that they then kept, resold or returned for cash or merchandise credit.
They stole what are known as clientele books from high-end stores. Those books include information on valued customers like “their names, addresses, clothing preferences, birthday, and, most importantly, credit card numbers,” according to the appeal.
      It seems to have been shockingly easy to pilfer the information, with Ms. Hicks acting as lookout. The posse would use the card numbers to order many thousands of dollars of merchandise and arrange for items to be either held for pickup or express shipped to destinations.
Judges Frank Easterbrook, Diane Sykes and Ilana Rovner handled the appeal, and Ms. Rovner wrote the opinion. “Depending on the package delivery methods, the defendants would pick it up from the store, steal it from the porch of the delivery address (often the victim herself), or intercept the delivery person and claim to be the intended recipient,” wrote Ms. Rovner.
After that, they either fenced the goods at discounted prices or brazenly returned them to the store for cash or credit.
       Saks was suspicious when Ms. Sandoval ordered $5,000 worth of goods using Susan Schweiger’s card information. It contacted Mrs. Schweiger and stopped delivery. She and her husband placed a decoy box on their front porch, and later spotted Mr. Vanderhack walking by and talking on his cellphone.
Ms. Sandoval’s appeal of her sentence is illuminating in informing us who is defined by the law as a victim these days. Before 2009, it was only someone who suffered a financial loss. Now it’s not just pecuniary harm but also anybody “whose means of identification was used unlawfully or without authority.”
That means that her victims were not just the 40 stores and credit card companies that sustained losses but also the 65 people whose cards were used.
Another big holiday loser is ATA Airlines Inc., now defunct, which saw a panel of Mr. Easterbrook, Richard Posner and Diane Wood reverse a $65,998,411 judgment against the Federal Express Corporation and do some vivid, derisive finger-wagging about the key expert’s testimony.
The case involved the substantial passenger and cargo services that commercial airlines provided the military in the Civil Reserve Air Fleet. FedEx was the leader of one team, which included ATA. The airline’s share of the team’s revenues peaked at $406 million in 2005, with its profits exceeding $90 million.
FedEx dropped ATA from the team in 2008 — a change “pregnant with menace,” Mr. Posner wrote — and largely prompted its bankruptcy and breach-of-contract suit.
But the panel did not believe the claim should have ever gone to trial and eviscerated ATA’s forensic accountant, Lawrence Morriss. Mr. Posner concluded that neither side’s lawyers — and, by clear implication, Richard Young, the chief federal judge in Indianapolis — had understood Mr. Morris’s dubious regression analysis in assessing ATA’s damages and, if they did, “are unable to communicate their understanding in plain English.”
“Morriss’s regression had as many bloody wounds as Julius Caesar when he was stabbed 23 times by the Roman senators led by Brutus,” Mr. Posner said.
It isn’t smart for a lawyer to blow a deadline in filing a client’s appeal, even if there are extenuating circumstances. But those apparently don’t include running for governor of Illinois.
Rich Whitney, a Carbondale lawyer and Green Party candidate for governor in 2010, persuaded a lower-court judge to cut him slack and extend a deadline he had missed soon after the election. An appeals panel of Mr. Posner, Richard Cudahy and Ann Williams reversed that, with Ms. William writing:
“Many practicing attorneys run for office or submit themselves for consideration for positions on nonprofit boards or bar associations but cannot do so to the detriment of their clients.”

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