On 05/13/2025, while assigned to marked unit East-4, I was dispatched to Citizens Bank at 40 Union Square for reports of a fraud. East-1 (Officer O'Leary ) responded as well. Upon my arrival, I was met by the two reporting parties, Mr. XXXX and Ms. XXXX. Ms. XXXX stated that I just missed the woman by thirty seconds. Mr. XXXX explained a female had come into the bank and used a fake ID to open a bank account. He showed me two photos of ID cards issued out of New Jersey with different names and the same photo. I asked if she was on foot or car and he stated she got into a blacked out Jeep Cherokee with New Hampshire Plates. I conveyed this to Dispatch. Officer O' Leary pulled up, asked for specifics and then went down Bow Street and turned onto Walnut Street.

     Mr. XXXX described the suspect as a black female, wearing black, and with braids. I then got into my cruiser to search as well. I would note that Summer Street was closed due to construction. Along with this fact and that I was standing outside of the bank long enough that a vehicle would have had ample time to make it's way to Somerville Ave and come back Eastbound towards the bank where we would have seen it. Due to this I began going Westbound on Somerville Ave. I noticed a blacked out Cherokee in the area of Park and Somerville Ave. Upon getting closer, I saw the license plate was from Florida. Due to the lettering on both Florida and New Hampshire both being green and the commonplace of seeing New Hampshire License plates in this area I could see the confusion as from a distance only the green font would be visible.

     I noticed two parties in the vehicle and contacted the bank and asked Mr. XXXX if the female had gotten into the driver or passenger side of the vehicle. He stated the passenger side and that there was one other person in the vehicle. When I was able to see in through the rear windshield I noticed a female in the passenger seat who appeared to have braids, with a male in the driver's seat. I updated dispatch with my location. The vehicle turned onto Elm Street and upon approaching Cedar Street, East-2 (Officer N. Moreira) advised that he was behind me. Upon approaching Hancock Street I activated my emergency lights and siren, the vehicle pulled over. I approached the passenger side and immediately recognized the passenger to be the female from the photos of the license photos I was shown. I asked for identification. The Operator, Mr. XXXX gave me a North Carolina Driver's License. The passenger stated she did not have an ID. She gave me the name of Shanique Brown which would later be confirmed via finger prints.

     About this time Officer O'Leary and Sierra-9, Sergeant Van Nostrand arrived on scene. I approached the vehicle again and asked Ms. Brown to step out of the vehicle to speak to me. I read her Miranda Warnings from a card I keep in my vest. She declined speaking to me and requested a lawyer. Due to the information I had at this time I placed her under arrest (DL). Officer Moreira requested the Detainee Transport Vehicle (Unit-200). I also requested a female officer to search Ms. Brown. Delta-11 (Detective Reece) responded.

     Ms. Brown would ultimately be transported to the Somerville Police Department and booked in the usual Manner by Lieutenant Capasso.

     Sergeant Van Nostrand contacted Avis car rental as Mr. XXXX could not produce the rental agreement. Upon speaking to the security team there the rental company requested that we take possession of the vehicle as Mr. XXXX was not authorized to operate the vehicle. Stephen's Towing ultimately towed the vehicle. The vehicle was searched incident to arrest to locate the New Jersey Driver's License that was presented at the bank. In the front seat I found a debit card issued by Citizens Bank with the name XXXX on it. It was located between the passenger seat and the center console. With the debit card was a check made out to the same name in the amount of $6,300.00. The account the money is drawn from has the names XXXX and XXXX on it. The bank is following up with them to determine the authenticity of the check. Then in the back I located a large Manilla envelope that contained the account documents with the name XXXX on it. I removed the contents of the glove compartment, in doing so I moved the compartment and heard a clicking behind it. I could also feel something tapping against it as I moved it. Behind the compartment I found the Driver's license with the name XXXX on it.

     After the vehicle was towed I made my way back to the bank to get a full accounting of events from Mr. XXXX. He explained the following to me: Ms. Brown on May 10th, 2025 went to a Citizens Bank in Dorchester and attempted to open an account under the name of XXXX. The photo is the same as the XXXX ID and both are issued out of New Jersey. Ms. XXXX for whatever reason abandoned her attempt to open the account and left behind the XXXX License. In turn this raised flags for the personnel in that branch. Citizens has a procedure in place to send out suspected fraud to nearby locations as persons may attempt to commit the same fraud in multiple banks.

     Yesterday, May 12th. 2025, Ms. Brown entered the Union Square branch and successfully opened an account under the XXXX name. When the bank saw the information from the other branch they froze Ms. XXXX account. Today Ms. XXXX returned to the bank to sort out the problem which is when Mr. XXXX called 911 to report the fraud and that Ms. Brown was back in the bank.

     Ms. Brown was charged with: Uttering, Forgery, Forge/Misuse of a RMV Document, and Identity fraud.

     Photos of the Debit card, Check, ID confiscated, and bank documents will be attached to this report. All originals will be placed into evidence.

     Respectfully submitted,

     Officer Christopher Fusco #328