background checks do your homework

Do you use background checking or dating checking apps to check on people for employment, property rentals or before giving out credit?

http://liarcatchers.com/background_checks.html

Or maybe you were turned down for a rental, employment or date and don’t know why… The FTC sent letters issued letters to makers of six apps, warning them that the apps must comply with FCRA the Fair Credit Reporting Act.
The FTC warned the apps marketers that, if they have reason to believe the background reports they provide are being used for employment screening, housing, credit, or other similar purposes, they must comply with the Act.
Some of the apps include criminal record histories which could be used in employment and tenant screening.
Mobile apps that supply such information may qualify as CRAs under the Act. CRAs must take reasonable steps to ensure the user of each report has a ‘permissible purpose’ to use the report; take reasonable steps to ensure the maximum possible accuracy of the information conveyed in its reports; and provide users of its reports with information about their obligations under the FCRA.
In the case of consumer reports provided for employment purposes, for example, CRAs must provide employers with information regarding their obligation to provide notice to employees and applicants of any adverse action taken on the basis of a consumer report.
According to the letters, the agency has made no determination whether the companies are violating the FCRA, but encourages them to review their apps and their policies and procedures to be sure they comply with the FCRA.

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pedophile tracking Still not fit for trial

SAGINAW — A Taymouth Township man who authorities say confessed to having “too many” sexual assault victims to remember them all still is not mentally fit for trial.
Saginaw County District Judge Kyle Higgs Tarrant today relied on a report from the Center for Forensic Psychiatry in Ypsilanti to rule that Alan J. Blaney, 24, is not mentally competent and cannot be found criminally responsible.

http://liarcatchers.com/pedophile_tracking.html

Tarrant made a similar ruling in October, and Blaney was to undergo treatment with the goal of making him mentally fit. Blaney will continue to undergo treatment.
Blaney, who last lived at 2360 E. Burt, is charged with three counts of second-degree criminal sexual conduct, which involves serious variations of touching. Saginaw County sheriff’s officials say Blaney sexually assaulted a 2-year-old girl about 2 a.m. Aug. 22 while spending the night at a friend’s house in Burt.
Sheriff’s Detective David Kerns has said that Blaney confessed to sexually assaulting three girls younger than 9 since 2004 and told police he had “too many victims to recall.”
Blaney remained jailed today on a $1 million bond.

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cheating spouse investigation on Valentines Day?

It’s just human nature,” says private investigator Ryan P. McCormack, one-half of the Newport-based two-man team at Coastal Investigation Group, in explaining why there is a greater chance of catching an unfaithful person on surveillance during the three-day period from Feb. 13-15 than at any other time of the year.

http://liarcatchers.com/cheating_spouses.html

“Around Valentine’s Day, people naturally want to spend time with someone they are romantically involved with. They let their guard down a little, or maybe one person in the relationship pressures the other one, because it’s Valentine’s Day,” says McCormack, who notes that it’s a well-known phenomenon in the private investigation industry.

“I’d estimate there is a 75% chance of catching someone during those three days, whereas during the rest of the year your chances are less than 50-50,” he says.

McCormack says less than half of Coastal Investigation’s caseload is related to infidelity, and he also says there is misconception about an infidelity surveillance assignment, which people often assume means a physical act needs to be caught on tape. Infidelity surveillance assignments often come from divorce attorneys rather than individuals, and they are looking for patterns of behavior or spending that can be important in a case. “For example, if [the unfaithful spouse] is going out and spending $200 on dinner with someone once a week, but then in court they claim they have no money, then that’s when the video footage can be important.”

McCormack and his partner, Brian Cartwright, both licensed private investigators, do much of their work on Aquidneck Island. McCormack has master’s and bachelor’s degrees in administration of justice from Salve Regina University. Cartwright has a business degree from the University of Rhode Island and extensive experience with covert surveillance on the national and regional level.

McCormack notes there can also be clients’ frustration when infidelity surveillance produces no results. “What people don’t understand is that there are high times and low times for unfaithful relationships, so if you hire a private investigator for a particular 8-hour window, there’s a high chance nothing will be happening, simply because of bad timing,” says McCormack, who notes that the fee for surveillance ranges from $50 to $100 per hour.

With Valentine’s Day, however, it’s a targeted time frame: “One person may tell the other, ‘I can’t call you or see you on Valentine’s Day because it’s too obvious, but the day before or the day after might work.’”

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Missing persons investigation “She was too scared to file a protective order”

The tearful father of missing Alaska teenager Samantha Koenig abducted by an armed man said that she filed a protective order against a man in November but was too scared to follow it through.

“She filed for a restraining order against a person she barely knew and was too afraid to go through with it in court,” James Koenig told ABCNews.com.

http://liarcatchers.com/missing_persons_investigations.html

He said he could not elaborate on the situation or the man’s identity, but he did not believe that his daughter felt that she was in danger or that someone wanted to hurt her before she disappeared.

When asked if he had any theories about what may have happened to her daughter, he said, “I do, but I cannot divulge.”

In November, Samantha Koenig filed the protective order, but she did not show up for a hearing and the order was never issued.

Samantha Koenig, 18, was last seen Wednesday evening on surveillance video that showed her leaving the Common Grounds Espresso stand with an armed man, who police said was wearing a dark hooded sweatshirt and possibly a baseball cap.

All of the coffee stand’s cash was also missing.

The reward for a Koenig more than tripled over the weekend to $41,000.

The Anchorage Police Department has received criticism for not releasing the surveillance tape, but police spokesman Lt. Dave Parker said they won’t do it because, “There’s no way this video is going to further the investigation.”

Parker said the tape has “evidentiary qualities” that make it valuable to investigators but that it would not be useful to release it because the alleged kidnapper’s face is not visible. He said the key to the video for investigators is Koenig’s response to the perpetrator.

“You can clearly see that she is being taken against her will. You can see her reaction,” Parker said. Police will not disclose what type of weapon the abductor had, but said the man is armed.

“We know they left the area on foot. Did he have a car parked somewhere? Did he go to a friend’s house?” Parker said. “[Investigators] are absolutely beating the boards in the investigation and they are working very hard.”

Parker said that numerous detective units are working hard on the case as tips come in, but they do not have any hard leads that they could share.

“She’s still gone. We don’t know where she went,” Parker said. “At this time, they have not released the name or description of anyone who is a person of interest.”

Koenig’s father James Koenig has his own theories, but is similarly tight-lipped.

“I have suspicions, but that’s all they are,” Koenig said. He said he did not wish to name any people that may, in fact, be innocent.

Samantha Koenig had been working at the Common Grounds Espresso stand for about a month and her father said she was really enjoying it.

“She’s a sweetheart. She’s got the biggest heart and she has genuine love and care for people. She befriends people so easily,” Koenig said through tears. “Everyone that meets her, they call her their best friend. That’s just her personality. She’s funny and she loves life.”

Koenig is the fourth of six children. She has three sisters and two brothers who James Koenig said are working hard to search for Samantha.

“No one is holding up,” he said. “They’re doing all they can. They’re handing out flyers and talking to whoever will listen.”

Koenig is 5-foot-5 and weighs about 140 pounds. She has brown hair and eyes. Authorities are asking that anyone with information contact the Anchorage Police Department at 907-786-8900.

“I want her to come home and I want the people who did this to go away forever,” Koenig said.

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Fraud Investigation Mortgage Fraud tornado

It’s Only Money still gets e-mails from readers chiding it for defending deadbeat homeowners just about anytime it writes a story or column about victims of mortgage fraud. Wrote one anonymous e-mailer after this story:

“Why don’t you do an article about the THOUSANDS of people, purposefully NOT paying their mortgages for YEARS with no ramifications other than living FREE off of people like you and me?”

So, It’s Only Money once again points readers to other stories on the matter that do a good job of summarizing the difficult-to-grasp problem. This weekend’s excellent story comes from New York Times writer Gretchen Morganstern. Its title: A Mortgage Tornado Warning, Unheeded.

http://liarcatchers.com/fraud_investigation.html

Turns out, a confidential 147-page investigation into mortgage fraud commissioned by Fannie Mae uncovered some of the very abuses bedeviling homeowners today. Yet Fannie appeared to take no action on the 2006 report. The investigation was triggered by a wealthy businessman’s allegations in 2003 that servicers were filing false foreclosure documents and “playing fast and loose with the law.”

“It is axiomatic that the practice of submitting false pleadings and affidavits is unlawful,” said the report, a copy of which was obtained by The New York Times. “With his complaint, Mr. (Nye) Lavalle has identified an issue that Fannie Mae needs to address promptly.”
Mr. Lavalle and Fannie’s investigators found lawyers filing “sham proceedings” in eight states on behalf of either Fannie Mae or the Mortgage Electronic Registration System (MERS).

“From my own personal experience and 20 years of research and investigation, nothing — and I mean nothing — that a bank, lender, loan servicer or their lawyer says or puts on paper can be trusted and accepted as true,” Mr. Lavalle told the Times.

New York’s Attorney General Eric Schneiderman, who heads a federal task force investigating criminal mortgage fraud, sued large banks over their use of MERS on Friday, saying its recording system led to faulty foreclosure filings.

It’s Only Money has written about MERS issues in Oregon, as well, as courts try to decide whether it has standing to foreclose on homeowners. Writes Morganstern:

Mr. Lavalle warned Fannie years ago that MERS couldn’t legally foreclose because it didn’t actually own notes underlying properties. The report agreed.

Recall last week, Oregon Attorney General John Kroger said he’d sign on to a $25 billion multi-state settlement that absolves five large loan servicers of civil liability for faulty foreclosures. It doesn’t waive Oregon’s right to pursue criminal charges or to sue MERS.

Morganstern’s story ends with this ominous assertion from whistleblower Lavalle:

“Any attorney general, lawyer, bank director, judge, regulator or member of Congress who does not open their eyes to the abuse, ask pertinent questions and allow proper investigation and discovery,” he said, “is only assisting in the concealment of what may be the fraud of our lifetime.”
The Oregon Senate Committee on General Government, Consumer and Small Business Protection was scheduled this morning to take testimony on new protections for homeowners in foreclosure.

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crime scene investigator find stolen Artwork

Robert Wittman had a handgun in each pants pocket.

http://liarcatchers.com/crime_scene_investigator.html

Just in case.

This wasn’t any ordinary art transaction. He was dealing with Miami mobsters trying to sell $65 million in stolen Picasso paintings. And Wittman’s life was in real danger.

“They were angry,” says Wittman, 56, a former FBI art detective who has helped recover an estimated $225 million in lost art and other historical treasures. “They said they were going to kill me, and I had to face them down.

“I had to convince them that I wasn’t responsible for certain aspects of their losses.

But, of course, I was.”

It wasn’t the first time Wittman had faced death. As the FBI’s top art investigator, he often went undercover to root out crooks, thugs, scammers and other assorted criminals. Once, he even had to disarm a man who had him at knifepoint.

Wittman will tell stories from his 20-year FBI career tonight in Bonita Springs.

“Affair of the Arts No. 5” is a fundraiser for the Center for the Arts of Bonita Springs.

Forget any Hollywood notions of art thieves. Most aren’t glamorous at all. And many wouldn’t know the difference between a Monet and a Manet. Or even between a
Rembrandt and a Picasso.

“They’re just thugs,” Wittman says. “They’re just criminals.”

Take, for example, the Manet and Renoir paintings stolen from a Palm Beach house about seven years ago. The thieves had no idea what to do with the things afterward.

“We did get them back eventually,” says Wittman, now a private security consultant. “The thieves weren’t looking for art when they broke in. They were looking for jewelry and money.

“It took us about a year to get the art back. The paintings were in a closet in one of their homes.”

The son of an antiques dealer, Wittman started working as the FBI’s top art-crime investigator in 1988 and eventually founded the agency’s Art Crime Team. In that time, he posed as Mafia members and art buyers and traveled to places as far-flung as Paris, Rio de Janeiro and Madrid.

His recoveries included an original copy of The Bill of Rights, Geronimo’s eagle-feather war-bonnet and a $36 million Rembrandt self-portrait stolen from The Swedish National Museum in Stockholm.

Wittman, now retired, wrote about those cases and more in his hit book “Priceless,” now being turned into a Hollywood movie.

He has no idea who should play him in the film. “How about Danny DeVito?” he jokes.

“Hell, I don’t know!”

Wittman says he isn’t much of an art collector, himself. He loves art, but he can’t afford the big names.

“I’m just a working guy,” he says. “I don’t have any Manets. I have some nice reproductions that my nephew painted for me. He’s in art school. That’s the closest I get to Manet.”

Still, he appreciates the value of those priceless items.

“This artwork is irreplaceable,” he says. “Once it’s gone – a piece like that – it’s gone forever. We’re losing a piece of our culture.”

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pedophile tracking catholic summit

SCORES of Catholic leaders from around the world have gathered for an unprecedented anti-abuse summit hosted by the Vatican intended to find ways to stamp out pedophilia.

http://liarcatchers.com/pedophile_tracking.html

Bishops from 100 countries and the leaders of 33 religious orders will take part in the four-day meeting, as well as the Vatican’s anti-pedophilia prosecutor Charles Scicluna and one abuse victim, Ireland’s Marie Collins.

Pope Benedict XVI is expected to issue a special blessing for the conference at the Vatican’s Gregorian University, which will also launch a Centre for Child Protection in Germany to fight sex abuse by the clergy in the church worldwide.

The symposium entitled “Towards Healing and Renewal” will include a service tomorrow in which representatives of seven religious orders which had pedophile clergy in their midst will plead for forgiveness.

Abuse victims’ groups have already criticised the conference.

“You can have all the symposiums you want but why don’t you open a constructive debate. The church is too closed in on itself,” said Roberto Mirabile, head of the Italian victim support group La Caramella Buona.

The meeting starts with a keynote speech by Cardinal William Levada, the head of the Congregation for the Doctrine of the Faith, the top enforcement body of the Catholic Church which has led efforts against abuse.

The congregation has requested that all the national bishops’ conferences of the world must submit by May a set of comprehensive guidelines on how to combat pedophilia, stressing that abuse is not only a problem for Western churches.

But Vatican officials say some countries are having trouble formulating these rules because of “cultural differences” over what exactly constitutes child abuse and victim-support groups say the measures lack enforcement powers.

Father Hans Zollner, a Jesuit priest and psychotherapist who heads the new Centre for Child Protection, said on Vatican Radio today: “The best measure is to listen to the suffering.”

Bishops attending the meeting were asked to hold “listening sessions” with abuse victims before travelling to Rome to help them understand and psychologists and child health experts will address the conference.

Francois-Xavier Dumortier, rector of the Gregorian University, said: “This is a crucial problem for the church.
“The pope has taken a very clear and I think very courageous position not to skate over the surface of the problem but to go deeper.”

“We want to provide all the means to prevent the problem,” he said.

Dumortier stressed the importance of training for men and women of the clergy, including the 2000 students at his university.

“We have a major responsibility to look at this open wound in the church with open eyes and try to do everything so it does not happen again,” he said.

Collins, who was raped by a priest in a hospital in Dublin when she was a little girl and has become a leading voice in pushing for justice for victims in Ireland, said her decision to attend was not an easy one.

“Despite apologies for the actions of the abusers, there have been few apologies for protection given to them by their superiors,” she said earlier.

“There seems to be a lack of penalty for any of these men in leadership who deliberately or negligently covered up for abusers.”

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Electronic surveillance legal on your own neighborhood?

When D.C. police began installing surveillance cameras in neighborhoods more than five years ago as crime-fighting tools, privacy concerns voiced by civil liberties groups limited their scope and use.

http://liarcatchers.com/electronic_surveillance.html

Now a less-formal agreement from a citizens association planning to expand the Metropolitan Police Department’s watchful eye in Georgetown over the next few months is hitting a similar hurdle.

The Citizens Association of Georgetown, a private neighborhood association, plans to pay for the installation of up to 10 cameras in the hopes that the additional surveillance will deter crime.

“The No. 1 thing we would like is deterrence,” said Diane Colasanto, a member of the association’s public safety committee. “We just want crime not to happen here. But if crimes are committed, we hope the images from the cameras are images police can use.”

The Georgetown group’s cameras will tape public spaces such as streets and sidewalks, and video that could be used to solve a crime will be turned over to police, the group’s members said. The cameras will be located on private property, such as in residents’ yards, and as a result they will skirt the stringent rules imposed on the police department’s closed-circuit camera system.

With video-recording technology often just a cellphone click away and surveillance cameras prevalent in private businesses and homes, the notion of being watched is nothing new. But as the association begins to draft protocols for how the camera recordings will be handled, Ms. Colasanto said members have begun to raise more questions about who will have access to video taken by the cameras and under what circumstances.

“We want to make sure people’s privacy is protected,” she said.

Privacy concerns

A new wave of public-private surveillance partnerships, such as the one in Georgetown, has also caught the attention of civil liberties groups who caution that the original intention of a camera system is not the only way it can end up being used.

“Once the camera is there it’s very tempting to say ‘Let’s look at it for other reasons,’ ” said Arthur Spitzer, legal director for the American Civil Liberties Union of the Nation’s Capital.

As an example, Mr. Spitzer said, a divorce lawyer might try to subpoena surveillance footage that could show evidence of a spouse’s affair by recording the person’s travels through the neighborhood.

“Once something exists, it can often be hard to protect it from being used in other ways,” he said.

Before installing the first of what is now 83 crime cameras monitoring D.C. neighborhoods after a 2006 crime wave, the Metropolitan Police Department adopted regulations governing their use, including the dictate that signs must be posted around their locations and that residents be informed of their implementation. Rules also governed who was allowed to view feeds from the cameras, how often the recordings were deleted and the viewpoint the cameras could have.

But no such rules are in place governing private cameras or the guarantee that citizens installing cameras will be versed in privacy issues, said Sharon Bradford Franklin, senior counsel with the D.C.-based Constitution Project.

“When you have such routine and regularized recording by a private group that is not covered by those regulations, it raises concerns,” she said. “They could be subject to various abuses through ignorance of the kind of concerns they should have.”

The neighborhood crime cameras are separate from the more than 5,000 cameras placed at traffic intersections, in schools and other government-run facilities that are monitored by the D.C. government.

D.C. Council member Phil Mendelson, at-large Democrat who oversees the District’s public safety committee, said the placement of Georgetown cameras is analogous to property owners who put cameras in private parking lots or banks which may capture footage of the surrounding areas.

“They don’t run into trouble unless the tape is misused,” Mr. Mendelson said.

Test run

One block in Georgetown has had a test run with camera surveillance and residents’ experiences are helping to guide the wider use of cameras in the neighborhood.

For three years, N Street resident Edward “Chip” Dent has helped operate three surveillance cameras on his block. The three cameras, paid for by the block’s residents, have taped crimes such as hit-and-runs, the theft of packages from neighbors’ doorsteps, and vandalism, Mr. Dent said.

Each time a resident reports a crime on the block, Mr. Dent transfers camera recordings — which are kept under lock and key in a closet in his home — to investigating police officers.

“Over a couple-year period, we’ve had six felony apprehensions and three convictions,” Mr. Dent said, adding that police will often use the tapes to identify license plates or suspects.

Police officials could not say whether other neighborhood groups are using security cameras in a similar way but condoned the practice.

“The Metropolitan Police Department supports efforts of residents to secure their own property. If they obtain footage that may be useful in solving a case, we would review it and follow up accordingly,” police spokeswoman Gwendolyn Crump said.

Mixed results

Community groups in cities including Newport News, Va., and Houston have installed camera systems in recent years to ward off crime. Although they may bring peace of mind to residents, cameras are not always as helpful as people may expect them to be, specialists said.

“The cameras by and large do not prevent crime and by and large do not increase police closure rates,” the Electronic Privacy Information Center’s general counsel John Verdi said. “All it does is shift the burden from one area to another.”

A four-year study of the Metropolitan Police Department’s own camera system also found that the citywide system was ineffective at reducing crime.

Both the low number of cameras in the District as well as the fact they were not monitored live contributed to their ineffectiveness, the 2011 study by the Urban Institute concluded.

“If the cameras are not going to be live-monitored, there are even further questions about efficacy,” Mr. Verdi said of the Georgetown plan. “Folks end up spending a lot of money on the technology … but the benefits are marginal at best.”

In Chicago and Baltimore — where camera systems are much larger and live-monitored — the Urban Institute study found that crime did tend to decrease in neighborhoods under surveillance.

For the Citizens Association of Georgetown, which expects to shell out between $2,000 and $2,500 per camera, the possibility that the cameras will do some good is worth it.

“People are very concerned about people getting mugged. We’ve had some crimes involving guns here, and that’s very disturbing to people,” Ms. Colasanto said. “The No. 1 thing is peace of mind of the residents.”

Noting the faults he has seen in his block’s cameras, like when glare from headlight blocks a license plate number, Mr. Dent admits the cameras are not perfect.

“But they are significantly better than having no one there,” he said.

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Missing Person Joshua Davis Jr toddler

SAN ANTONIO – It’s been a year since a New Braunfels toddler disappeared and now a private investigator hired by the family is talking about what he thinks could have happened to the boy.

http://liarcatchers.com/missing_persons_investigations.html

18-month-old Joshua Davis Jr. was reported missing at about 8:30 p.m. Feb. 4, 2011. A few weeks later, private investigator Charlie Parker says he was hired by the child’s grandmother. Parker says he worked “day and night” on the case for about three months before he ran out of money.

Parker believes the boy could have gotten out the back door of the home that night.

“That’s an average door, that’s 36 inches high,” Parker said about the door knob. “Baby Josh could not only walk but he could run.”

Parker showed News 4 WOAI the route he thinks Josh could have taken, out the back door, down the steps and to the front yard of the house.

“If he got out into the street, he could have been run over. It was late at night. Drunks were going home. Someone could have hit him, picked him up, put him in the car, and tried to make it to the emergency room but panicked and dumped him,” Parker said.

Police searches turned up no sign of Joshua and despite Parker’s interviews and surveillance work, he says he found no evidence to support or contradict his theory.

“Remember, there’s no blood in the house. There’s no forensics or body fluid. There’s nothing of any kind of evidence that shows a baby could have been killed in the house,” he said. “I know that from sources I have.”

Police believe there “probably” was an accident inside the home.

“If there was an accident in there, the only way I see that is if the baby got ahold of some pills or drugs. Then there wouldn’t be blood or body fluids,” Parker said.

New Braunfels Police say they have confirmed with the family the child was not kidnapped and that the child did not get out of the home.

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electronic surveillance eyes longbeach robber

LONG BEACH – Police released photos and a description of a suspect wanted in three armed robberies Thursday and Friday.
The first of the robberies was reported at 10:34 p.m. Thursday at a convenience store in the 200 block of Orange Avenue, said Lisa Massacani of the Long Beach Police Department.

http://liarcatchers.com/electronic_surveillance.html

The second robbery happened 30 minutes later at a food establishment in the 3100 block of Broadway, Massacani said.

The third robbery was reported at 9:28 a.m. Friday at another food establishment in the 400 block of Obispo Avenue.

“In each of the incidents the suspect enters the business and demands cash, while showing a handgun,” Massacani said. “Once he gets the cash, he exits the business and flees on a bicycle.”

The suspect is white, between 20 and 30 years old with light brown or dirty blond hair. He is 5 feet 10 inches to 6 feet 3 inches tall with an athletic build.

Officials also urged business owners to practice the following safety tips:

• Keep windows clear of advertising material and decorations, which can serve as a screen for intruders.

• Avoid working alone, and have a phone that is easily accessible. Calling 911 and leaving the phone off the hook summons the police to your location.

• Transfer excess cash from the register regularly; cash registers should be emptied at night.

• Maintain surveillance cameras, and train employees how to retrieve video footage.

• Keep parking areas well-lit and covered by surveillance cameras.

Police urge anyone with information regarding these armed robberies to contact Long Beach police robbery Detective Don Collier at 562-570-5537. Tips may also be submitted anonymously via text or email at www.tipsoft.com.

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