A Miami woman faces a charge of wire fraud after she allegedly used the Massachusetts MyRMV site to help create IDs in other people's names that let her apply for federal loans that she'd deposit in bogus bank accounts as she traveled by private jet and posed at fancy hotels with fancy cars that she showed off on her Instagram account.
Danielle Miller, 31, who already has a record for larceny and identity fraud stretching across five states, managed to access the accounts of 27 Massachusetts residents through the RMV portal just between Aug. 1 and Aug. 20 of last year, according to an affidavit by a Homeland Security agent on the case. She's the latest in a series of people who now face charges of trying to defraud federal pandemic programs.
The affidavit does not state where Miller allegedly got the social-security numbers required to access information through the RMV portal, but says that with them, she was able to obtain new IDs in other people's names, which she then used to apply for loans from the Small Business Administration's Economic Injury Disaster Loans, at a time when those loans were mainly geared towards small companies hurt by the pandemic.
The affidavit states Miller's fraud began to unravel in October, when an Abington resident got a $50 refund check from a Texas apartment-management company for canceling an apartment lease there. The company sent her a copy of her application, which showed she'd opened a TD Bank account.
Only problem: The resident, identified in the affidavit as L.M.S., never submitted a lease for an apartment in Texas and didn't have a TD Bank account, so she went to police, who contacted Homeland Security. When she talked to a Homeland Security agent, she said she'd also noticed that her MyRMV account listed a phone number that wasn't hers.
TD Bank records reflect the deposit of $102,400 from SBA to the TD Bank account xxx-xxx1010 on August 6, 2020. L.M.S. has reported that she did not apply for an SBA loan. Based on my training and experience, I believe these to be fraudulent proceeds of a loan unlawfully submitted under the name L.M.S.
The affidavit continues the MyRMV site was not completely porous: While Miller was able to link a phone number of it, she was unable to change the listed address - which explains why the Abington resident got the Texas apartment refund check - and so could not order a duplicate license.
Still, just 30 minutes after she accessed the Abington woman's MyRMV account, Miller used the Abington resident's name to open an online account at TD Bank. She apparently used her real phone number and Miami address to do so. Just ten minutes after that, she was on the SBA Web site, successfully applying for the $102,400 loan that was then deposited in the TD Bank account, the affidavit states.
On Aug. 4, the affidavit continues, Miller used another Massachusetts resident's MyRMV account to create another SBA loan request - which, however, was rejected as fraudulent. In total, she applied for some $900,000 in SBA loans.
She also used information about residents outside Massachusetts to successfully obtain unemployment funds from Arizona - which she had deposited in the account originally opened in the name of the Abington woman - the affidavit continues.
Miller, the feds charge, used the money to live the good life. Some of the money from the SBA loan based on the Abington woman's name went to money orders from a Publix supermarket near her home, made out to a nearby jewelry store.
On Sept. 4, she used the account's debit card to pay $2,390 for a flight in a private plane from Fort Lauderdale to Van Nuys, CA. As ID, she used a fake Massachusetts license in the Abington woman's name, according to the affidavit.
On Sept. 9, she used the card to spend $173.64 on something at the Beverly Hills Hotel - at which she 'grammed herself in front of a Rolls Royce. However, she was actually staying at Petit Hermitage, another luxury hotel, in West Hollywood, where she used the card to pay her $5,500 bill - and at which she posed for an Instagram photo in her room.