They know who cleared the bank account, they don't know where it is?

The Montenegrin police failed to track down the fraudster who, with a forged Budvanka identity card MO, took 230.000 euros and 1,2 million dollars from her account in Lovćen bank, but allegedly, they know who she is, "Vijesti" learned unofficially.

According to the same information, the inspectors identified the fraudster and the criminal group under whose instructions she worked, and whose members were not from Montenegro.

The "Vijesti" source also said that, most likely, a crime team from a neighboring country provided a forged identity card in which the name and surname of the account owner, her date of birth, social security number...

On that fake identification document, it says that it was issued on October 10, 2022, at the Budva branch of the Ministry of Internal Affairs.

However, the Police Administration did not announce what they have done so far, who they have interviewed, whether they have found the fraudster...

"Police officers of the Security Department of Herceg Novi are taking all measures and actions by order of the State Prosecutor of the Basic State Prosecutor's Office in Herceg Novi in ​​relation to the case in which you have expressed interest, and for the sake of the smooth flow of the investigation, we cannot give you more details," the administration replied bluntly. of the police.

Lovćen Bank replied to "Vijesta" that they are fully available to the competent state authorities in order to conduct the entire investigation.

"Unfortunately, we are not able to make any statements, so as not to disrupt the course of the investigation," explained the financial institution.

Fraud

The unusual fraud happened on April 12, and the day before, a girl of about forty years old, dark hair, very blue eyes, about 175 centimeters tall, of medium build, walked into the branch of that bank in Herceg Novi and announced that she was going to withdraw the money she was keeping at them.

The Police Administration unofficially told "Vijesta" that she did not know how much money she had:

"She has already asked for all the money from the bank account to be paid to her, without specifying the amount," it is written in the police files, in the statement of the banker who spoke to the fraudster, thinking that she was the real owner of the account.

He also explained to the inspectors that the day before the fraudster withdrew the money from their client's account, he spoke with the real owner of the money on the phone, about a completely different transaction, while her mother was in his office.

He also said that he had never seen the MoD live and explained the procedure for identifying clients - with an identity document, as well as what the rule is when clients withdraw a larger amount.

After the checks, it was agreed that the savings of millions would be paid the next day, around 15.30:XNUMX p.m. The fraudster initially agreed to it, but a little later she asked for the money to be paid to her early in the morning.

Also, she asked the banker not to inform her parents, who have authorization for the same accounts, about the fact that she withdrew the money.

According to police records, the fraudster entered the bank the next day - April 12, around 10.30:1.360.000 a.m., dressed the same as the previous day - packed a total of XNUMX euros in a black backpack and left the branch ten minutes later.

It was discovered that she was not the owner of the money on April 13, when the MoD called the bank and asked for clarification - how much it lacks to reach the limit, because it expects a larger inflow of funds from abroad.

Checked if it was close to the limit, found out that it was penniless

Police officers working to detect fraud in the Herzegovinian branch of Lovćen Bank are also determining who could have known that MO had money in the account, as well as who could have known her social security number, date of birth and other information, "Vijesti" was told.

In that investigation, the inspectors, in addition to bank employees, in their capacity as citizens also questioned the account owner, her parents...

Allegedly, she explained to the inspectors when and how she called the banker with whom she has been doing business for a long time and how she discovered that her money was missing.

The interlocutor of "Vijesti" explains that the MoD was trying to check how much money it had to withdraw, so as not to exceed the account limit.

"After checking, the bank told her that all the money was withdrawn on April 12," the files say.