Dabbling in Credit Card Fraud

Here's how this process worked:

Yvan had put a wrong-size window in the 2nd floor bathroom without the clients' knowledge. When they noticed it, they asked him to replace it. On September 17th, he asked for - and received - $500 so he could buy a new window. He ordered it from Payzant Home Building Supplies.

On October 21st, the clients paid Haince a further $500 (in cash) for installing the new window in the 2nd floor bathroom
. The wrong-sized window which had been originally installed, and was brand new, disappeared.

On December 5th 2014, the clients attended at Payzant in Dartmouth with Yvan to pick out another window, this time for a new dormer. The client paid for the window, using his credit card. The transaction was handled by Haince's daughter-in-law, an employee of Payzant.

And then the client's Mastercard statement landed on his desk. On it was a mysterious charge in the amount of $433.01, charged by Payzant on a transaction dated December 27th, 2014. The client checked his records and determined that he was nowhere near Payzant on that day.

A call to Payzant established that Haince had ordered a window from Payzant, for installation in the client's 2nd floor bathroom. He had ordered it on his account, but had not paid for it. Payzant called him up and demanded payment for the window. Haince appeared at Payzant on December 27th and told them to charge the window to the credit card number used by his client on December 5th, which had been processed by Haince's daughter-in-law and was still on file. As explained above, the client had already paid Haince $500 for the window in question.

window serial number supports fraud trailA paper trail produced the serial number of the window for which Haince paid with the client's credit card.
The serial number - shown here - was the same as that on the window in the client's 2nd floor bathroom. Payzant said they would reverse the charge on the client's credit card, and that they would resolve the matter with Haince. The charge was indeed reversed on the client's credit card account on the next statement, and nothing further was heard on the subject. The subsequent events between Payzant and Haince are unknown.

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