The police investigation began last March when a fraud analyst for the $3.4 billion Campus USA Credit Union in Newberry, Fla., reported a pattern of their members getting calls from persons claiming to be credit union employees.

These persons, however, were fraudsters who managed to spoof Campus USA’s phone number that popped up on the caller ID screen on members’ phones.

The impersonators allegedly told members they were calling to verify changes made to their accounts, a partially redacted police report indicated.

Unsuspecting members gave the fraudsters their banking information including the last four digits of their ATM card, user ID and a one- time verification code.

After getting access to the accounts, the fraudsters transferred hundreds and thousands of dollars of members’ funds to other accounts, including one that allegedly belonged to Northover.

The Campus USA fraud analyst also told investigators that Northover allegedly made ATM withdrawals after other spoof call cases that occurred in September 2023. What’s more, after one spoof call incident, $24,196 was transferred from a members’ account to other accounts that were allegedly involved in the fraud scheme, according to the police report. After this incident, the fraud analyst said Northover allegedly withdrew funds from one of those accounts.

In total, this spoof call scheme resulted in a loss of $29,271 for Campus USA, according to the police report.

The credit union fraud analyst believes Northover was the alleged ringleader of the spoof call fraud and the new accounts that had been opened to support the scheme, the police report showed.