Below are highlights of our civil and criminal achievements for consumers in 2012.
Debt Collection Practices
- Dorsey Thornton & Associates, LLC, a Georgia debt buyer and collection company, and its principal officers Wyteria Dorsey and Michael Thornton, entered into an Assurance of Voluntary Compliance with the Governor’s Office of Consumer Protection (OCP), to resolve charges that the company committed multiple violations of the federal Fair Debt Collection Practices Act and the Georgia Fair Business Practices Act. OCP’s investigation stemmed from a series of reports from consumers that Dorsey Thornton & Associates harassed and deceived consumers by threatening consumers with arrest or imprisonment if they did not pay the debt; refusing to send consumers written proof of the debt owed; identifying themselves as “Investigators” rather than disclosing that they were debt collectors attempting to collect a debt; contacting third parties and divulging information about the debtor’s account; calling consumers before 8:00am or after 9:00pm; and continuing to contact consumers even after they told the company to stop calling them. Under the settlement, Dorsey Thornton & Associates was required to write off 31,433 accounts that it had purchased as disputed accounts. This write-off represented a total of $15,491,899.36 in consumer debt. The company further agreed to pay an $80,000 civil penalty and a $5,000 reimbursement to OCP for investigative and legal expenses.
Unfair and Deceptive Marketing Practices
- Dick's Sporting Goods - OCP alleged that Dick’s Sporting Goods compared merchandise “sale” prices to inflated or false “original” or “list” prices to give consumers the impression that they were receiving larger discounts than they actually were. The company signed an Assurance of Voluntary Compliance requiring it to pay a total of $500,000, $350,000 of which is cy pres restitution apportioned as follows: approximately $121,000 worth of sporting equipment to the Georgia Department of Natural Resources, to be divided among the Wildlife Resources, Parks, and Law Enforcement divisions; $100,000 in cash to the Board of Regents of the University System of Georgia to be used in connection with athletic programs; and the remainder, approximately $129,000 in cash to the Georgia State Games Commission. The company also paid a $100,000 civil penalty and $50,000 in administrative expenses and agreed to refrain from using false or misleading price savings or comparisons in its future advertisements.
- Vacation Station, LLC d/b/a C.T.A. Vacations and its principals, Randy Gardner and Joseph Shirley sell travel club memberships at an average cost of $3,000-$8,000 each. The company has been selling these memberships in Georgia since December 2010, from locations in Atlanta, Brunswick and Savannah. An OCP investigation revealed that the company sent promotional mailers to consumers promising “free” roundtrip airline tickets in exchange for attending a sales presentation about travel club membership. However, consumers who attended the presentation discovered that they had to pay a significant amount of money in order to receive the “free” tickets. The investigation also revealed that Vacation Station was operating as an unlicensed buying club. At the conclusion of the investigation, the company and its principals entered into an Assurance of Voluntary Compliance under the terms of which they paid $183,793.29 in consumer restitution and a $100,000 civil penalty.
- OCP entered into an Assurance of Voluntary Compliances with Safe Hands Transfers, LLC and Direct Transfers, LLC. The businesses, which are owned by the same principals, provide timeshare transfer and lien release services to consumers throughout the country, including in the state of Georgia. OCP began investigating the companies after receiving complaints that they were employing a variety of deceptive and illegal sales and advertising practices. OCP’s investigation revealed that the companies were sending out postcard mailers to consumers implying that they would offer consumers money in exchange for their timeshares. Consumers who responded by attending a sales presentation were instead allegedly pressured into paying thousands of dollars to transfer their timeshare deed over to the companies or to sign up for the companies’ lien release services. Consumers who agreed to the companies’ lien release services claimed that they were not informed that this act might have a detrimental effect on their credit score, could result in their being subject to collections or sued by creditors or debt collectors, and might lead to foreclosure. The companies also allegedly failed to inform consumers verbally or in writing of their three-day right to cancel their contracts. To resolve these allegations, Direct Transfers, LLC agreed to refund consumers approximately $59,000 and to pay $37,500 in penalties and administrative costs. Safe Hands Transfers, LLC was required to pay approximately $29,000 in restitution to consumers and to pay $37,500 in penalties and administrative costs. The companies were also required to cease and desist from offering and performing lien release services in Georgia.
- American Mattress Manufacturing, Inc., Mattress 4 Sale, Inc. and Kamal Shelbayah, Individually - OCP alleged that these companies represented to consumers that the mattresses they were selling were new, when they actually contained used or refurbished materials. The companies and their owner entered into a Consent Judgment with OCP, under the terms of which they paid $61,694.15 in consumer restitution, $5,000 for investigative and administrative costs, and a $40,000 civil penalty. The companies were ordered to immediately stop representing to consumers that the mattresses they sell are new, unless they are wholly comprised of materials that are new, have not been previously used, are original to the merchandise in question, and do not contain any refurbished materials. They were also required to stop advertising that their mattress prices are "discounted" if the prices are, in fact, being compared with prices for mattresses that are not made from refurbished materials; and to ensure that all disclaimers used are clear, conspicuous and in close proximity to the corresponding representations.
- Watch Brokers – OCP entered into a settlement with International Estate Brokers, LLC d/b/a Watch Brokers and d/b/a www.webuywatches.com, and its individual proprietor, Ronald L. Bergh III, resolving allegations that the Atlanta-based wrist-watch brokering company engaged in deceptive advertising, sold watches on behalf of consumers without paying them their share of the proceeds, and failed to return watches that had gone unsold to the consignors upon their request. In settlement of this matter, Watch Brokers entered into an Assurance of Voluntary Compliance under which the company was required to pay restitution to 475 consumers in the amount of $651,258.92, to cease from making false representations in its advertising, and to pay a $20,000 civil penalty. Because the company failed to comply with all of its obligations under the settlement, the Administrator filed suit seeking, among other things, the appointment of a receiver to manage and control the assets of Watch Brokers. The receiver has already taken control of Watch Brokers’ offices and showroom and is assembling its inventory. Over 600 watches have been returned to their owners. The Administrator is also seeking a judgment against the company and its principal.
- Skechers USA, Inc. - OCP, along with 43 other states, the District of Columbia and the Federal Trade Commission, was part of a multi-state settlement with Skechers USA, Inc., the makers of Shape-Ups, Tone-Ups, and the Skechers Resistance Runner athletic shoes. The settlement alleged that Skechers made health-related claims in the marketing, packaging, advertising, offering, and selling of its line of rocker-bottom shoe products including Shape-ups, Tone-ups, and the Skechers Resistance Runner that were not adequately substantiated at the time the claims were made. Among other things, Skechers claimed that these shoe products caused consumers to lose weight, burn calories, improve circulation, fight cellulite, and firm, tone or strengthen thigh, buttock, and back muscles. Under the settlement, Skechers is prohibited from making these claims unless it has adequate substantiation to do so. Skechers is allocating up to $40 million for consumer refund money to be paid back to consumers who purchased the shoes. Skechers also paid an additional $5 million in fines and penalties to the states.
- Magen Enterprises, Inc. d/b/a Timeshare Services of Dahlonega and TS Timeshare Resale, Christy Hilliard, Individually, and Daniel Hilliard, Individually - This Georgia-based company charged consumers an up-front fee for marketing and selling/renting timeshares, but OCP alleged that the company's only actual service was placing passive real estate timeshare listings. The company and its principals signed an Assurance of Voluntary Compliance requiring them to change the service agreement and sales/solicitation methods, to pay $12,608.30 in consumer restitution and a $77,500 civil penalty.
- BCB Marketing Services, LLC, and Robert Williams, Individually allegedly disseminated advertisements that claimed all consumers who had enrolled in post-secondary education could receive funds through the "American Opportunity Act," which the ads implied was related to federal stimulus and recovery programs. In fact, these funds were available only if a consumer qualified for the American Opportunity Tax Credit, and could be obtained only through filing eligible applicants' income taxes. The company also induced consumers to use its services by representing that the principal provided tax services, when in fact the business was only a marketing and referral service. The company entered into an Assurance of Voluntary Compliance requiring it to cease from representing that it offers tax preparation services or that Mr. Wiliams has any tax education or experience; to change the service agreement and sales methods to include certain disclosures; to pay $500 in consumer restitution, $1,000 in administrative costs and a $15,000 civil penalty.
- Bernando Davis d/b/a Davis Tax Service allegedly disseminated advertisements that claimed consumers could receive money through the "American Opportunity Act," which the ads implied was related to federal stimulus and recovery programs. In fact, these funds were available only if a consumer qualified for the American Opportunity Tax Credit, and could be obtained only through filing eligible applicants' income taxes. The company also filed applicants' taxes on their behalf without first verifying whether they were actually eligible for the tax credit, and without obtaining their permission, which resulted in incorrect and false information being submitted to the IRS. The company signed an Assurance of Voluntary Compliance requiring it to pay a civil penalty of $10,000, administrative costs of $1,000 and $500 in consumer restitution.
- Credit Guard of America, Inc. and Roger Costa and Juan Vallardes, Individually - This Florida company provided debt adjustment/settlement services to Georgia consumers while collecting fees for these services in excess of what is permitted under the Georgia Debt Adjustment Act. In addition, Credit Guard automatically enrolled consumers in a membership program as part of its contract for the provision of debt adjustment/settlement services, without adequately disclosing to the consumer that there are additional charges associated with the membership program or that the program was optional. The company and its principals entered into a settlement with OCP under which they paid $26,416.95 in consumer restitution, $20,000 in administrative fees and a $20,000 civil penalty.
- Orion Processing LLC d/b/a Clear Your Debt, and Roger D. Peugh, Individually - This Texas debt settlement company failed to complete the necessary insurance and audit filings for debt adjusters doing business in Georgia. In addition, the firm violated several other portions of Georgia’s Debt Adjustment Act, including accepting fees from Georgia consumers in excess of what is allowed under the statute, and failing to distribute consumer funds to creditors within 30 days. The business signed an Assurance of Voluntary Compliance requiring it to cease doing business in Georgia and to pay a $7,500 civil penalty and $2,500 in administrative expenses. As part of a May 2012 settlement of a civil suit brought privately by its Georgia customers in Bulloch County, Georgia, the company had already paid nearly $25,000 in consumer restitution.
- Jared A. Fishman, Individually, and The Fishman Company d/b/a Aribtronix – OCP alleged that the company engaged in unlawful debt adjustment services by collecting fees in excess of the amount permitted by Georgia law and by failing to obtain and file with OCP the required annual audits and insurance policies. The company failed to respond to OCP’s Notice of Contemplated Legal Action (“NCLA”), prompting OCP to issue a Civil Penalty Order in the amount of $10,000.
Deceptive Auto Sales and Advertising
- CarSafe - CarSafe LLC, an Oklahoma City-based company, which markets vehicle service contracts to consumers nationwide, and its principals, Mark Eckman and Nils Flodberg, entered into an Assurance of Voluntary Compliance in connection with the dissemination of allegedly misleading direct mail solicitations and misrepresentations of material terms of its vehicle service contracts to Georgia consumers. The direct mail solicitations at issue falsely represented: that CarSafe’s vehicle service contracts would “extend” consumers’ factory warranties; that the company was affiliated with vehicle manufacturers; and that a consumer’s vehicle warranty had expired or may be about to expire when this was contrary to fact. In addition, when Georgia consumers called the phone number on the mail solicitations, CarSafe’s salespeople allegedly claimed that 100% of car repairs were covered under its contracts, which was not true, and failed to disclose all the terms of the company’s refund policies. In settlement of this matter, CarSafe and its principals entered into an agreement requiring them to pay a $30,000 civil penalty, $20,000 for investigative expenses and $50,000 in direct consumer restitution. In addition, CarSafe paid cy pres restitution in the amount of $25,000 to the Georgia Governor’s Office of Workforce Development’s “Go Build Georgia” Education Foundation, for use in funding auto repair training programs.
- Willett Imports/South Inc. d/b/a Willett Honda South - This automobile dealership in Morrow, Georgia distributed mailers listing specific vehicles for sale on specific sales dates. The mailers represented that all vehicles had been inspected and were in "good condition" with "no problems". Through an undercover investigation, OCP determined that these representations were deceptive. For example, the company advertised a 1994 Lexus for approximately $1,000. However, it required over $4,000 worth of repairs and would not pass an emissions test. The mailers also advertised vehicles that the dealership had previously sold to consumers or wholesaled due to poor condition. Willett Honda South signed an Assurance of Voluntary Compliance requiring it to cease its false advertising practices and to pay a $20,000 civil penalty and $10,000 in administrative costs.
- Union City Nissan, Inc. d/b/a Nissan of Union City - This automobile dealership disseminated a direct mailer that contained a number of allegedly deceptive representations, including comparing used vehicle prices to their original Manufacturer's Suggested Retail Price ("MSRP") and failing to includeall promotional disclosures. Consumers also complained that the dealership took significantly longer than 30 days to apply for title, resulting in consumers being unable to register the vehicle and obtain a tag. Other consumers indicated they understood financing was approved, but after driving the vehicle for extended periods of time were told to return the vehicle because financing had not been secured. Upon returning the vehicles, the consumers should have received refunds of their down payments, but not everyone did. In settlement of this matter, the company refunded down payments to the consumers for whom it was unable to obtain financing, and paid a $10,000 civil penalty.
- Kia Autosport of Columbus, Inc. offered $6,000 to consumers who brought in a trade-in vehicle and purchased a new Kia. Although this offer, which violates this agency's prohibition on guaranteed trade-in offers, was routinely available, Kia Autosportadvertised it as a unique and special end-of-the-yearsale. These practices, along with others, such as excluding a "doc fee" from an advertised price, violate the FBPA. The dealership has signed an Assurance of Voluntary Compliance requiring it to pay a $10,000 civil penalty.
- Alpha Cars LLC - Alpha Cars LLC, its principals, Jonaid Malik and Rehan Saeed, and related entities known as “Alpha Carz” and “AAA-GA” entered into a settlement relating to allegations that Alpha Cars engaged in a variety of unlawful sales and advertising practices, including: failing to disclose to consumers that vehicles had frame, unibody or other damage when consumers asked about a vehicle’s condition; stating in Internet advertisements that certain vehicles had no known accident history, when that was not the case; failing to disclose to consumers that their deposits were non-refundable; and misrepresenting to consumers that certain vehicles were still under a manufacturer’s warranty, without determining whether such warranties had become void due to significant accident damage the vehicles had sustained. Under the settlement the company paid $16,419.26 in consumer restitution, a $15,000 civil penalty and $10,000 in administrative expenses.
- Efficiency Motor Cars, LLC, an independent automobile dealership operating in Roswell, Georgia, advertised vehicle service contract availability on virtually all vehicles when not all vehicles qualified for coverage under the third party service contracts. For instance, some vehicles were not covered due to mileage limitations or the vehicle's mechanical history. The dealership also sold vehicles without a valid emissions certificate and revised the date of vehicle temporary tags when not authorized to do so. The dealership agreed to numerous compliance provisions including providing consumers with accurate vehicle history reports, providing consumers a copy of the vehicle service contract for review prior to purchase, and only offering service contracts on vehicles qualified for coverage. The business was required to pay a civil penalty of $8,000.
- Lara's Trucks, Inc. and Lara Truck Sales, Inc. are two affiliated independent automobile dealerships operating in Buford and Chamblee, Georgia. An OCP investigation revealed that these dealerships routinely installed "demo" wheels on advertised vehicles but excluded the wheels' significant costs from the advertised price. Consumers who declined to pay the additional fee for these wheels were supplied with inferior or mismatched wheels. In addition to these advertising violations, the dealerships also sold vehicles without valid emissions certificates and failed to submit title application documents to the county tag agent within the time period required by law. The business signed an Assurance of Voluntary Compliance requiring it to cease these and other deceptive practices and to pay a $5,000 civil penalty and $5,000 for investigative expenses.
- 1st Financial Services & Automotive Sales, Inc. - During its investigation of this Marietta-based automobile dealership, OCP learned that a dealership employee was maintaining a separate website advertising the dealership’s vehicles and referring consumers to the dealership. OCP further learned that several of the vehicles on the site were advertised as having no evidence of a wreck or car accident when the vehicles had actually been in accidents. The dealership also excluded dealer documentary fees from vehicles’ advertised prices. In settlement of these alleged FBPA violations, the dealership signed an Assurance of Voluntary Compliance, agreeing to numerous compliance provisions and payment of a $15,000 civil penalty.
Improper Disposal of Records
- Farzin "Tony" Amini was the owner of Money Source, Inc., a mortgage services business that was voluntarily dissolved in 2010.OCP began its investigation of Mr. Amini on March 1, 2012 after being contacted by the Lilburn Police Department, whichhad recovered boxes of business documents containing consumers' personal information in an abandoned strip mall in Marietta. The investigation revealed that the boxes contained mortgage records full of personal information for clients of the Money Source, Inc. The records had been improperly discarded in violation of the Business Administration Act and the FBPA. It also was discovered that not only did Mr. Amini own the Money Source, he was also the owner of the abandoned strip mall where the documents were recovered. Per the Assurance of Voluntary Compliance, Mr. Amini agreed to properly discard the business records from the Money Source, Inc. and provide OCP with dated receipts from a document shredding company indicating that this has been done. Mr. Amini was required to pay a civil penalty and reimburse OCP for investigative expenses.
Unlawful Liquidation/Going-Out-of-Business Sales
- Wahlquist Management Corp. is a Little Rock, Arkansas-based marketing company that creates and disseminates direct mail advertisements on behalf of furniture and home appliance retailers. OCP alleges that the company conducted a going-out-of-business sale that lasted longer than 90 days. Further, the company conducted a "$2 Million Inventory Liquidation"/"Total Liquidation" sales event, when in fact the retailer was just selling merchandise in the normal course of business and even planning to augment its inventory with new merchandise. In addition, the company advertised that the liquidation sales event was only offered for three days and that consumers' "immediate attention" was required, when the sale was actually running indefinitely. The company signed an Assurance of Voluntary Compliance agreeing to cease making these misrepresentations, and paid a $4,000 civil penalty and $3,500 in administrative fees.
- Nelson's Appliance & Home Furnishings, Inc. - This Cartersville, Georgia-based home appliance retailer allegedly violated the FBPA by conducting a "$2 Million Inventory Liquidation"/"Total Liquidation" sale event, when the company was actually just selling merchandise in the normal course of business and was, in fact, planning to augment inventory with new merchandise; advertising that the "liquidation" sales event was only offered for three days and stating in mailers that recipients' "immediate attention is required", when the sale was actually running indefinitely; and representing that a direct mailer was a "private invitation" and that recipients had to present the mailer to have access to the store and the sale, when in fact store entry and access to the sale were available to the general public without the mailer. In resolution of this matter, the company signed an Assurance of Voluntary Compliance requiring it to cease making these representations and to pay a $2,000 civil penalty.
- Raymond Pumphrey d/b/a Georgia Wholesale Furniture and Weekend Warehouse Furniture is a furniture store in Canton, Georgia. The company allegedly advertised that it was conducting a "going out of business" sale, but thereafter continued to conduct the same business in the same location under a different name. The company also used the terms "wholesale". Although it did sell merchandise to businesses for resale purposes, it also sold the same merchandise in the same store directly to retail consumers. The Assurance of Voluntary Compliance prohibited the company from misrepresenting its status and required it to pay a civil penalty of $1,000.
Four gyms -- Fitness-Tri, Inc., IT Fitness, Inc. d/b/a In Tune Fitness Studio, Bailey's Powerhouse Gym and Lailah's Studio -- failed to comply with the Fair Business Practices Act’s requirements for health spa contracts. The gyms were required to immediately stop using any non-compliant contracts to sign up new clients, to bring all of their current contracts with Georgia clients into compliance, and to pay civil penalties.
Home Repair Fraud - OCP conducted an investigation into Southeastern Roofing & Restoration, Inc. concerningallegations of home repair fraud and theft by conversion. The business’ owner, John Steven Ervin, solicited, contracted and accepted payments to repair/replace the roofs on homes of consumers in Gwinnett, Hall, Cherokee, and Cobb counties. Mr. Ervin allegedly failed to do any work and refused to refund initial payments from consumers. The first jurisdiction to bring Mr. Ervin to court was Hall County. Mr. Ervin elected to go to trial rather than take a plea, and after two weeks of witness testimony, on April 23, 2012, a Hall County jury found John Steven Ervin guilty of all charges. The charges included Home Repair Fraud, Theft by Taking, Theft by Deception, and Theft by Conversion. Mr. Ervin received a 10-year sentence of which he will be confined for one year and spend nine years on probation. Mr. Ervin was ordered to pay restitution to a victim in the amount of $3,746.
International Online Car Sale Scheme – Phase one of a 10-month criminal investigation concluded with the sentencing of three defendants on March 13, 2012. Ionut Catalin Budulan, Silviu Florinel Leoveanu, and Silviu Catalin Malea were each sentenced for their role in this international online car sales scheme. The case involved a multi-layered organization based in Romania that would post free online classified advertisements for the sale of new and used cars, trucks, lawn equipment and other vehicles targeting American consumers. The "posters" (i.e. the people who posted these ads) were in Romania and used sophisticated techniques to mask their identity. All contact between the victims and the posters took place via email and required the victims to wire funds through Western Union to a third party escrow agent that the posters claimed were representatives of eBay or other third party escrow services. The posters would respond to the victims in this case as both the seller and escrow agent, tricking the victims into sending the money to a fake identity through Western Union. The victims believed they were sending money to the third party escrow agent and were surprised when contact was terminated after the money was wired. The suspects in this case were referred to as the “arrows” and would travel to the United States and go store to store (primarily Publix Western Union outlets) collecting the money sent by victims.
On May 23, 2011 Secret Service Agents intercepted a package related to this scheme in which four counterfeit passports and four matching counterfeit foreign driver’s licenses were being sent from Romania to a UPS drop box in Lawrenceville, GA. The passports were hidden inside a Barbie toy and included a card written as though the package was from grandparents to a grandchild. In cooperation with Secret Service agents, OCP Investigators followed Leoveanu and another co-conspirator to an apartment in Gwinnett County. After monitoring the suspect’s rental vehicles via GPS for two weeks, a search warrant and arrest warrants were obtained for Leoveanu, Malea, Budulan, and another co-conspirator. The eventual raid and search revealed multiple Western Union checks and receipts, counterfeit passports, tools used to alter the passports to match the fake identities, and over $50,000 in cash hidden in clothing.
For their roles in the scheme, Silviu Catalin Malea was sentenced to 41 months in federal prison followed by three years of supervised release and ordered to pay $450,090.57 in restitution to 171 victims. Silviu Florinel Leoveanu was sentenced to 31 months in federal prison followed by 3 years supervised release and ordered to pay $174,272.50 in restitution to 69 victims. Ionut Catalin Budulan was sentenced to 54 months in federal prison followed by 3 years of supervised release and ordered to pay $500,985.57 in restitution to 239 victims. Other co-conspirators are being sought by Romanian authorities for extradition back to the United States to face prosecution.
Euro Capital – A suspect in the Eurocapital investigation was located in South Africa recently and agreed to voluntary deportation to the United States to answer federal fraud charges including mail fraud, wire fraud, and conspiracy. Dulin is the third and final defendant to face charges in the Eurocapital $5 million dollar investment fraud scheme. Two other defendants, Anthony Tobin and Katherine Twigg, are currently serving their sentences in federal prison. This is a joint case with the United States Secret Service and the United States Postal Inspection Service. Dulin fled to South Africa where he was arrested on overstaying his visa. Suspect Eyal Dulin was sentenced on September 6, 2012 in federal court to 72 months in Federal penitentiary and 48 months of supervised released. He was also ordered to pay $2.2 million in restitution to 70 victims. This case was prosecuted by the Northern District US Attorney’s Office.
CUBA Investigation - On September 5, 2012 arrest and search warrants were executed in a joint investigation between OCP and U.S. Homeland Security Investigations. Andres Castaneda Ramirez and Pablo Valdez Verdecia were arrested on multiple counts of aggravated identity theft and use of computers to manufacture counterfeit identifications (Georgia driver’s licenses, social security cards, and alien residence cards). The case originated with information provided by Roswell Police to OCP. Homeland Security Investigations joined OCP’s investigation. This case is being prosecuted by the Northern District US Attorney’s Office.
Sam's Club Membership Fraud - OCP's Criminal Investigation Division initiated an investigation referencing identity fraud and account takeover of several Sam’s Club accounts at Sam’s Clubs in several different counties. The accounts are Sam’s Club/Wal-Mart credit card accounts. The issuing financial institution is GE Capital Bank. The investigation revealed Asad Abdullah allegedly entered Sam’s Club stores in DeKalb County, with the actual Sam’s Club member's name and his (Abdullah) photograph on a counterfeit State of Georgia identification card, indicating he lost or misplaced his Sam’s Club membership credit card. Asad Abdullah was then photographed and issued a replacement credit card in the name of the actual Sam’s Club member. Asad Abdullah has been indicted on two counts of Identity Fraud and two counts of Prohibited Activities Involving a Computer or Computer Network. OCP has additional on-going fraud cases allegedly involving Asad Abdullah in Gwinnett and Henry Counties, and a co-defendant in DeKalb County still pending prosecution.