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Articles & Publications
The professionals at EFP Rotenberg regularly publish articles in professional journals, trade magazines and newspapers.
Cost Segregation
Money Could Be Hidden In Your Exam Room Walls
Your Healthy Practice, Winter 06
by Lou Camarella
Are you the proud owner or part owner of a medical office building, surgery center or other professional building? If you aren’t depreciating your property as quickly as permissible under current law, you may be grossly overpaying your federal income taxes. Cost segregation can help…
SEC Practice
XBRL Reporting Update- Small Reporting Companies
by Chuck Sullivan
On January 30, 2009, the SEC released final rules that require issuers to provide to the SEC financial statements in interactive data format using eXtensible Business Reporting Language, or XBRL
Read the XBRL Reporting article
Business Valuation
Maximize Your Business's Value Now Before You Decide to Sell
Rochester Business Journal, May 2010
by Kurt Litzelfelner
Owners of privately-held family owned businesses have a variety of options to consider when they are ready to step down from day-to-day management and transfer their businesses. For many, this will be one of the most difficult decisions of their business careers…
Read the Business Value article
Use a Valuation Expert for Shareholder Buyout Transactions
Words on Worth, Fall 06, published by CPAmerica
by Maureen Rutecki
Shareholder buyouts occur frequently in closely held businesses because of retirement, death, divorce or disagreement among shareholders. These buyouts can be costly to parties who feel they receive too little or pay too much for the transfer of shares…
Read the Valuation Expert article
Tax Strategies
Small Business Jobs and Credit Act of 2010 Provides Amendment to Section 1202
by David P. Veniskey, CPA and Kevin C. Hill, CPA
Code Section 1202 is not a new law; in fact it’s been around in its current state for some time. The original law stated that non corporate investors may exclude up to 50% of gain they realize on the disposition of qualified small business stock issued after August 10, 1993 and held for more than 5 years. Then in early 2009 to help stimulate the economy, the section 1202 exclusion was raised from 50% to 75% on gains from the sale of certain small business stock issued after February 17, 2009 and before January 1, 2011. Small business stock, as defined in this code section, is any stock in a C corporation which is originally issued after August 10, 1993. The stock must be originally…
The Facts about the Residential Energy Property Credit - What changed and how does it affect you?
by Michael Doody and Justin Sansone
If you have turned on the television recently you more than likely have seen a commercial from your local heating and cooling company advertising your entitlement to a $1,500 tax credit for residential energy efficiency improvements. What is not mentioned is the fact that you need to spend at least $5,000 out-of-pocket and meet specific requirements as prescribed by the Internal Revenue Code in order to claim the $1,500 tax credit.…
Read the Energy Credit article
Fraud & Forensics
Tax Preparers are Obligated to Administer Welfare Program
The Daily Record, February 13, 2012
by Gina B. Bliss
Consider this scene. It’s tax season. A beleaguered tax preparer sits at a desk in a neighborhood storefront. A new client comes in. It’s a young man, and he has his girlfriend with him. His return is simple. He has two W-2 forms from his jobs and some student loan interest. The income totals about $8,000.
The girlfriend says, “He lives with me and my son, and he can take my son as a dependent. I brought my son’s date of birth and social security number for you.”
Now it’s not so simple. Three different things could happen.
Read Tax Preparers are Obligated to Administer Welfare Program
Racing Breeds Fraud
The Daily Record, February 13, 2012
by Gina B. Bliss
One of my favorite authors is Dick Francis. He died on Valentine’s Day in 2010, but he was a prolific writer. He wrote more than 40 international best sellers, all set in the world of horse racing.
Last summer I had my first personal experience with horse racing. I went to Batavia Downs and watched harness racing with some friends. It was interesting, but I quickly learned that it’s a lot more exciting if you have some money on the race. The betting changed me from an objective observer to someone emotionally invested.
It’s the betting that attracts fraud to horse racing. The methods for cheating the betting public are varied and some go back centuries. Recently, there have been innovations to keep up with technology, both for fraudsters and for those who fight fraud.
How to keep your church from getting fleeced
The Daily Record, January 9, 2012
by Gina B. Bliss
Over the years, I’ve heard many, many sermons on tithing. It’s a difficult topic for pastors, priests and rabbis. I’ve heard great sermons on the topic, and I’ve heard some that were not great.
Churches are businesses, in a way. Their missions are not about money, but their missions can’t be carried out without money. So, every couple years, usually at the urging of the Finance Committee, tithing is the subject of a sermon.
The worst thing that could happen in a church is for the congregation to discover that the tithes they have given for the mission of the church have been embezzled. That disclosure will destroy trust and erode giving.
Read How to keep your church from getting fleeced
Student Test Scores Subject to Fraud, Cheating
The Daily Record, November 15, 2011
by Gina B. Bliss
About a year ago I watched a documentary titled Waiting for Superman, which was about the need for education reform here in the United States. The movie depicted desperation among parents in low-performing districts who wanted to send their children to charter schools where admission was based on a lottery system. The documentary followed a handful of students and their families and showed the very real consequences of not winning that lottery and being trapped in schools that are “dropout factories.”
Read Student Test Scores Subject to Fraud, Cheating
Recognizing and Reporting Welfare Fraud
The Daily Record, October 17, 2011
by Gina B. Bliss
I was listening to the radio on my way to work recently. A listener asked the radio hosts for advice on an ethical dilemma. The listener said that she had a best friend who got married two years ago, but never changed her last name. The friend’s husband has a great job and travels often for work. He’s only home eight or nine days a month. They live an affluent lifestyle. They have a boat that sleeps six and a new truck for towing it. They have a big house and flat screen televisions. There’s a new camper and another truck. All vehicles are registered in Florida. The listener recently found out why. Her best friend is still collecting food stamps and receiving heat assistance and medical benefits. Should the listener turn in her best friend?
Read Recognizing and Reporting Welfare Fraud
Fake Facebook Profiles
The Daily Record, September 12, 2011
by Gina B. Bliss
Last year I watched a movie called “The Social Network.” It was a great movie about the founder of Facebook, Mark Zuckerman. He created the first version of Facebook from a dorm room in 2003. At the time of the movie, Mark Zuckerman was the youngest billionaire in history. The end of the movie depicted the legal problems with former friends who collaborated on the creation of Facebook and invested in the early stages.
Read the Fake Facebook Profiles Article
Medicare Fraud
The Daily Record, August 8, 2011
by Gina B. Bliss
My father is 72 years old. When he was 16 he was in a car accident and damaged his knee. He’s had pain in that knee every day since then. For the last 10 years his doctor has suggested he have knee replacement surgery. My dad wouldn’t consider it until last winter, when he had to use a walker to get around. He’s a little stubborn.
When your parents need Medicare it changes your perspective on the program. I’ve never paid any attention to it, but now that my parents are older and need it, I’m grateful that they have it.
Read the Medicare Fraud Article
Casey Anthony Not Guilty?
The Daily Record, July 15, 2011
by Gina B. Bliss
America has been transfixed by the Casey Anthony trial. We’ve been so interested because of her extensive lies, her apparent coldness and her allegedly disfunctional family.
When the verdict came in, she was acquitted of the murder charge, the manslaughter charge and the child abuse charge. She was convicted of four counts of providing false information to law enforcement officers. The burden of proof just wasn’t met for this jury to find Casey Anthony guilty beyond a reasonable doubt of murder or even manslaughter.
Read the Casey Anthony Not Guilty Article
Food Fraud
The Daily Record, June 13, 2011
by Gina Bliss
Food fraud dates back to at least 1820, according to New Scientist magazine, when a German scientist wrote an expose on the food fraud of the day. London bakers would cut their flour with alum and chalk to make the loaves whiter.
Does Fraud Thrive During a Recession?
Rochester Business Journal, May 20, 2011
by Jim Marasco
As this country emerges from one of the worst recessions since the Great Depression, high-profile frauds seem to have waned. Three years ago, it was tough to pick up a newspaper without reading about a newly discovered fraud or its perpetrator. The courts are still cleaning up these cases, but it has been a while since a new one has hit the headlines.
Read the Does Fraud Thrive During a Recession Article
Elderly POA Fraud
The Daily Record, May 9, 2011
by Gina Bliss
My grandmother lived to be a very old lady. She lived by herself until the very end. She loved talk radio. Grandma didn’t believe in prescription drugs and treated all her ailments with herbs. She had a little money in the bank. She wasn’t wealthy, but she was comfortable. Some of my cousins borrowed small sums of money from her and never paid her back. Was that a crime?
Read the Elderly POA Fraud Article
Everyone Does It!
The Daily Record, April 7, 2011
by Gina Bliss
When you get to be my age it seems like all your friends are getting divorced. One of my recently divorced friends told me that she made a deal with her ex-husband to accept some of her child support in bill payments instead of cash. For instance, he would pay her electric bill each month and reduce her child support payment by that amount. That way he could run the payments through his business and take a tax deduction for them.
Read the Everyone Does It Article
Black Market Cigarettes
The Daily Record, March 10, 2011
by Gina Bliss
When I was a child, my father smoked. He smoked in the house and he smoked in the car. I don't remember if he cracked the window open when he smoked, but I doubt it.
Read the Black Market Cigarettes Article
Love Hurts…Especially When Fraud Is Involved.
The Daily Record, February 14, 2011
by Gina Bliss
Cybercrooks, like advertisers, want to have a broad appeal. At this time of year they adjust their scams to fit the Valentine’s Day holiday.
Your Phone may be Smart, but is it Safe?
The Daily Record, January 13, 2011
by Jim Marasco
Current estimates from the wireless communications industry boast that, of 234 million active cell phones in the U.S., approximately 20 percent are “smart phones”. Their growing popularity has created another opportunity for thieves to gain access to your confidential data. Making sure this device is adequately safeguarded should be a priority.
Taxpayers Against Fraud
The Daily Record, December 9, 2010
by Gina Bliss
I work with a group of school districts on their internal audit work. Lately, I’ve been helping districts reduce risk in the area of their Medicaid billing. Medicaid is a federal program administered by the states. School districts receive financial help with Medicaid eligible students that receive services such as physical therapy, speech therapy, nursing services, occupational therapy and transportation to those services. Extensive record keeping is required in order to properly submit claims.
Read the Taxpayers Against Fraud Article
Debit Card Disaster
The Daily Record, November 7, 2010
by Gina Bliss
Last week I shopped at Wegmans. My bill was over $300 and I paid with my debit card. My debit card was rejected. So I wrote a check on the same account since I knew there was money in it. But I thought about that on the way home and decided I’d better look at my account online.
Read the Debit Card Disaster Article
Is Anything Really What it Seems?
The Daily Record, July 2010
by Jim Marasco
As someone who frequents South Florida, I’m constantly in awe of the mansions, yachts, luxury automobiles and well-dressed individuals. As we continue to read newspaper headlines about fraud schemes, one has to wonder – how much of what we see is genuine?
Read the Article - Is Anything Really What it Seems?
Identity Theft: How to Prevent it, How to Respond.
Fraud Matters, Summer 10, published by CPAmerica
by Jim Marasco
If you or someone you know becomes the victim of identity theft, you’re not alone.
According to available statistics, approximately 11 million Americans will fall victim to identity theft this year. Nearly half of these victims discover the intrusion within three months of its taking place.
Read the Identity Theft Article
Protecting Your Intellectual Property from Fraud and Abuse
Fraud Matters, Spring 10, published by CPAmerica
by Jim Marasco
There is an old adage that states the value of your business walks out the door every night.
Human capital is a critical part of your business. However, your intellectual property may be just as important, if not more so. Safeguarding this from walking out is crucial to ensuring your company’s continued success.
Read the Intellectual Property Fraud Article
Internal Revenue Service Cracking Down on Tax Fraud
Fraud Matters, Spring 10, published by CPAmerica
by Jim Marasco
The income tax system of the United States is essentially based on the notion of voluntary compliance. You are expected to report and remit the income you’ve earned and the corresponding taxes that are due to the government.
Herein lies the potential for fraud and abuse.
Protecting your Organization from becoming a victim of the Underground Economy
Fraud Matters, Winter 10, published by CPAmerica
by Jim Marasco
Most organizations in this country operate their day-to-day operations without a passing thought to the “underground economy.” To most, it sounds like a television drama involving organized crime or narcotic dealers. However, unsuspecting businesses may become victims. How insulated is your organization?
Read the Underground Economy Article
Cyber Crimewave
The Daily Record, February 7, 2010
by Gina Bliss
Do you remember that movie “Catch Me If You Can”? I loved that movie, probably because I’m a fraud geek. It was based on the true story of Frank W. Abagnale who was a very successful con artist before the age of 21. He was the charming bad guy.
Read the Cyber Crimewave Article
How Healthcare Fraud Affects Us All
Fraud Matters, Winter 10, published by CPAmerica
by Jim Marasco
As the debate over national healthcare reform wages on, another topic has started to receive notoriety. Healthcare fraud is running rampant…
Read the Healthcare Fraud article
Embezzlement in the News
The Daily Record, January 7, 2010
by Gina Bliss
Rochester news this week included a story about an embezzlement at a small local bank. I have assumed that embezzlement is very difficult at a bank….
Read the Embezzlement in the News article
Fraudsters Mess with the IRS
The Daily Record, December 15, 2009
by Gina Bliss
A client called me and was excited because he had received an email from the IRS that he had an additional refund just waiting for him to claim…
Read the IRS Phishing Alert article
Grandma and the Computer
The Daily Record, November 9, 2009
by Gina Bliss
Last December I went back to my home town to visit. I was window shopping on Main Street when an old friend from high school came up to me. He wondered if he could talk to me about my grandmother. My high school friend, Dave, was working for a package delivery service over the holidays and had delivered several packages with my grandmother’s name on them to a different address…
Read the Grandma and the Computer article
New Red Flags Rule to Prevent Identity Theft
Fraud Matters, Fall 09, published by CPAmerica
by Jim Marasco
The Federal Trade Commission (FTC) has reported that identity theft affects over nine million Americans annually. In response to this endemic, the government has acted to curtail these occurrences. Implementation of the widely publicized “Red Flags Rule” becomes effective November 1, 2009. Will your organization be affected? …
Read the New Red Flags Rule article
Increasing the Perception that Fraud Will be Detected
Fraud Matters, Fall 09, published by CPAmerica
by Jim Marasco
One of the key elements to understanding fraud is to realize that where opportunities exist, perpetrators can act. An organization’s ability to heighten the perception that fraud will be detected will substantially lessen the likelihood of its occurrence…
Read the Increasing Perception article
Is Stealing Time Harder Than It Used to Be?
The Daily Record, August 11, 2009
by Gina Bliss
If your employer provides you with a vehicle, it’s possible they know where you are whenever you use it…
Read the Is Stealing Time Harder article
The Whistleblowers Among Us
The Daily Record, June 8, 2009
by Gina Bliss
In the fraud arena, whistleblowers are heroes. Time magazine selected three whistleblowers as its “People of the Year” in 2002. Harry Markopolos recently became famous for trying, and trying, to blow the whistle on Madoff’s Ponzi scheme…
Read the Whistleblowers Among Us article
Where Have All the Internal Auditors Gone?
The Daily Record, May 11, 2009
by Gina Bliss
Now is a great time in American history to be a fraud professional. Fraud is rampant. Actually, it’s been rampant for a long time, but a lot of cases are just coming to light because the economic downturn makes some kinds of fraud difficult to sustain…
Read the Internal Auditors article
Fraud Du Jour
Rochester Business Journal, April 09
by Jim Marasco
It seems that with every economic downturn (or recession, if you will), Americans are introduced to a different type of fraudulent activity. It has been estimated that nearly 20%…
Read the Fraud Du Jour article
Protect Yourself: Don’t be a Victim of a Ponzi Scheme
Fraud Matters, Spring 09, published by CPAmerica
by Jim Marasco
As the economy continues to falter, Ponzi schemes nationwide have become exposed and revealed billions of dollars of losses for investors…
Read the Protect Yourself article
Downturn Revs Up Work-at-Home Scams
The Daily Record, April 13, 2009
by Gina Bliss
There have always been work-at-home scams, and they’ve always targeted certain groups. Stay-at-home mothers, the elderly, disabled and undereducated job seekers face difficulties navigating the traditional job market…
Read the Is Work-at-Home Scams article
One Victim Details a Real Fraud
The Daily Record, March 9, 2009
by Gina Bliss
Owners of small businesses usually consider fraud as something that could happen — to someone else. Recently, I interviewed a small business owner who is a victim of fraud…
Is it Tax Fraud, or Just a Simple Oversight?
The Daily Record, February 9, 2009
by Gina Bliss
Most people experience a little stress this time of year while getting their tax returns done. You have to find all of the right documents, remember things that happened a whole year ago, use last year’s return as a reference for what’s needed this year and wait for all the statements and 1099s to arrive through the mail…
Read the Tax Fraud or Oversight article
Avoiding Investment Fraud
January, 2009, Rochester Democrat and Chronicle Guest Essayist
by Jim Marasco
Fraudulent investment schemes have been in the news both nationally (Bernard Madoff) and locally (Richard Piccoli in Buffalo)…
Read the Investment Fraud article
Economic Hard Times: The Impact On Fraud
Fraud Matters, Fall 08, published by CPAmerica
by Jim Marasco
As the economy continues to falter, your organization, like many others, may find itself more susceptible to fraud. It is estimated that U.S. organizations lose approximately…
Read the Economic Hard Times article
Theft By Collusion: Five Times More Loss
Fraud Matters, Spring 08, published by CPAmerica
by Jim Marasco
Collusion accounts for as much as 40 percent of fraud, with median loss of approximately $485,000 – nearly five times that of crimes perpetrated by an individual alone…
Read the Theft-by-Collusion article
Employee Fraud: How Much Should You Spend to Prevent It?
Fraud Matters, Winter 08, published by CPAmerica
by Jim Marasco
Forensic accountants stress that the best way to prevent fraud is to establish an efficient control system. How much should you spend on such a system? What mechanisms have worked best for other companies? And, perhaps, most importantly – what is the price of doing nothing? …
Read the How Much to Spend article
Why Internal Controls – And Reviews – Are Needed
Audit America, Winter 07, published by CPAmerica
by Jim Marasco
Every day, during the normal course of our lives, we encounter numerous controls or safeguards. Whether your place of work requires an identification badge or a key fob, a password to log onto your computer or an access code to use a copier, controls are a way of life…
Read the Internal Controls article
Payroll Fraud: How It’s Done, How to Prevent It
Fraud Matters, Summer 07, published by CPAmerica
by Jim Marasco
In any kind of business that issues payroll checks to employees, the possibility of payroll fraud exists. There are various ways payroll fraud can be perpetrated. The Association of Certified Fraud Examiners 2006 Report to the Nation on Occupational Fraud and Abuse refers to payroll fraud as…
Read the Payroll Fraud article
Using CPAs in Fraud & Embezzlement Cases
Fraud Matters, Summer 07, published by CPAmerica
by Jim Marasco
A qualified CPA with litigation experience can be a great asset to your fraud case. In searching for help, there are some important factors an attorney should consider…
Read the Use of CPAs in Fraud Cases article
Anatomy of an interview
How to best solicit the truth. Suspect interview should be conducted by professionals.
Fraud Matters, Spring 07, published by CPAmerica
by Jim Marasco
Conducting a third-party or corroborative interview is a key step in most fraud investigations and should be conducted by experienced professionals. There may be only one chance to interview an individual in an investigation, so investigators must make the most of it. It is important that a trained investigator conduct that interview…
Read the Anatomy of an Interview Part 2 article
Anatomy of an Interview: How to Best Solicit the Truth
Verbal – and nonverbal – clues point to guilt
Fraud Matters, Spring 07, published by CPAmerica
by Jim Marasco
A properly planned interview can yield much more than simply learning about a subject’s background information. Techniques such as behavior analysis can be used to determine whether someone is being truthful or deceitful…
Read the Anatomy of an Interview Part 1 article
Fraud: Safeguards Can Help Mitigate Risks
Fraud Matters, Winter 06 – published by CPAmerica
by Jim Leisner
You may think your company is protected against fraud, but statistics say that as much as 10 percent of all fraud in the nation takes place in manufacturing companies. Approximately one-third of these cases involved fraudulent billing, according to the 2006 Association of Certified Fraud Examiners’ Report to the Nation on Occupational Fraud and Abuse…
Read the Fraud Safeguards article
Is Your Organization Susceptible to Fraud?
Fraud Matters, Winter 06, published by CPAmerica
by Jim Marasco
The typical organization loses 5 percent of its annual revenues to occupational fraud, according to the Association of Certified Fraud Examiners 2006 Report to the Nation on Occupational Fraud and Abuse. Some industries are more susceptible than others. Do you know how your organization fares? …
Read the Fraud Susceptibility article
Where Did All the Money Go? Finding Assets Postmortem
Fraud Magazine, Summer 06
by Jim Marasco
Time is of the essence when trying to recover assets after the death of a suspect of a bankruptcy. Assets need to be secured and the facts need to be determined quickly. Here’s how to do it…
Read Finding Assets Postmortem article
Your Best Options for Getting Your Money Back
Fraud Matters, Summer 06, published by CPAmerica
by Jim Marasco
The typical organization loses 6 percent of its annual revenues to occupational fraud, according to the 2004 Report to Nation on Occupational Fraud and Abuse, Association of Certified Fraud Examiners. A well-designed plan can help you maximize your recovery…
Read the Getting Your Money Back article
When There's a Team Effort to Defraud
Fraud Matters, Spring 06, published by CPAmerica
by Jim Leisner
Auditors routinely excuse themselves from the responsibility of detecting fraud, collusion in particular. It is difficult enough to uncover fraud when it is committed by an individual, but detecting a team of individuals working together to defraud an organization can be especially difficult. What steps can you take to detect and deter collusion? …
Read the Team Effort to Defraud article
Expense Reimbursement Fraud: Ten Ways to Protect your Organization
Fraud Matters, Spring 06, published by CPAmerica
by Jim Marasco
The Association of Certified Fraud Examiners determined in its 2004 Report to the Nation on Occupational Fraud and Abuse that approximately 22 percent of all fraudulent disbursement schemes investigated involved expense reimbursement fraud. Keeping your organization safe from pilfering employees demand strong controls, tough actions against perpetrators and management leading by example…
Read the Expense Reimbursement Fraud article
How to Reduce the Threat of Internal Credit Card Fraud
Fraud Matters, Spring 06, published by CPAmerica
by Jim Leisner
Because credit cards are as liquid as cash, they are subject to risk. Theft or abuse by an unauthorized outside party is typically the first concern, but credit card abuse and fraud by those within an organization can also be a source of threat…
Read the Internal Credit Card Fraud article
Who Are You Hiring?
There's more to background checks than calling references
Fraud Matters, Winter 05, published by CPAmerica
by Jim Marasco
More and more employers are learning that background checks are a necessity in their hiring practices. Simply confirming dates of prior employment isn't going to work for most companies today. Estimates are that nearly 10 percent of candidates applying for jobs have criminal violations, according to the Northeast Human Resource Association. As exemplified by the company featured in the associated case study, failing to adequately scrutinize new hires can have disastrous results. What precautions should your organization implement? …
Detecting Fraud: When Good Employees Go Bad
Fraud Matters, Fall 05, published by CPAmerica
by Jim Marasco
Even the most trustworthy of employees can succumb to pressures and commit fraud against the company. Stock market losses, a spouse’s disability, college tuition and unexpected expenditures can all lead to unavoidable pressures on your employees…
Read the Detecting Fraud article
Nonprofits Face Special Challenges in Protecting Against Fraud
More than Money: Financial News and Notes for Nonprofit Organizations, Summer 05
by Jim Leisner
You may think your nonprofit organization is protected from fraud. Maybe you should review the status of your internal control systems to be sure. Internal controls are the safeguards put in place to protect an organization’s assets. Nonprofits face special challenges in this area…
Read the Nonprofits Fraud article
The Most Common Disbursements of Fraud
Fraud Matters, June 05, published by CPAmerica
by Jim Marasco
It’s been said ‘cash is king.’ This is especially true for perpetrators of fraud. But businesses beware: You can become a victim of fraud when no cash is involved. Check tampering, billing schemes, payroll schemes…
Read the Common Disbursements of Fraud article
Investigating an Allegation of Fraud
Fraud Matters, February 05, published by CPAmerica
by Jim Marasco
When a fraud is suspected, organizations must proceed quickly, yet with caution. In most situations, simply calling the local police won’t help…
Read the Investigating Allegations of Fraud article
Developing and Implementing Franchise Audits
Franchising World Magazine, February 05
by Jim Marasco
It is in everyone's interest that no one be allowed to cheat the system. Moreover, even the compliant franchisee will get direct benefits from an audit because auditors can pass along information that can assist the franchisee in improving its operations, including issues such as internal theft, weak internal controls, and out-of-line operational costs…
Read the Franchise Audits article
Debit Card Disaster
The Daily Record, November 7, 2010
by Gina Bliss
Last week I shopped at Wegmans. My bill was over $300 and I paid with my debit card. My debit card was rejected. So I wrote a check on the same account since I knew there was money in it. But I thought about that on the way home and decided I’d better look at my account online.
Read the Identity Theft Article