My sister got scammed by coworker
My sister messaged my mother saying that her accounts are empty and not to ask why. My mom called to ask what was going on, and my sister explained that a coworker asked if she wanted to make extra money through "cash rewards." He put her in contact with a woman claiming to be from Navy Federal; my sister gave her account information to this woman, who then opened a credit card through my sister's account.
I’m not sure if it was the woman or the coworker, but one of them told her to go to the bank to take out money (the "cash rewards," which was actually a cash advance). The coworker said they would split it since he helped her get the rewards. While she’s been paying her bills with the physical card, the coworker and his girlfriend have been transferring money out of my sister’s checking and my nephew’s savings account.
She has been asking them for her money, but the coworker is acting like the lady is the one delaying giving the money back. The woman added two accounts to facilitate the transfers; my sister received an email each time which included two names. We searched those names, and one is connected to a business that was charged on the credit card. Another transaction name listed the coworker’s name followed by "sales." One transaction was for $14,000, but it doesn’t list a merchant, only the category "restaurant/dining."
The woman also tried to dispute the charges, and while the bank was investigating, they added a temporary credit to the account, which the coworker and the woman then spent in its entirety. The bank eventually concluded it wasn't fraud.
My sister’s account was eventually blocked. When she called the bank, they asked if she had shared her password with anyone and she told them no. (I was so annoyed, but she said she was scared she would get in trouble.) My sister has a child on the way and sometimes struggles with her mental health. I’ve sent her a lawyer's information for a free consultation. Although she deleted the messages between her and the coworker, she still has the messages from the woman and screenshots of the two names that were added to send the money.
I suspect the ”Navy Federal“ employee is actually the coworkers girlfriend that owns a com that was listed in one of the transactions (1k). My sister also told me that the coworker is on probation, I searched his name and there’s a case that could match.
What could be outcomes for my sister?