Information — United States v. Dennes Garcia
Summary
An Information against Dennes Garcia, Case No. 21-60146-CR-ALTMAN/HUNT, entered on the FLSD docket May 21, 2021, as Document 17, in the United States District Court, Southern District of Florida. Count 1 charges Garcia with conspiracy to commit wire fraud, beginning in or around May 2020, with Individual 1, Individual 2 and others. It alleges that the co-conspirators submitted PPP loan applications for Dhanda and other entities with falsified bank statements and payroll tax forms, offered and paid kickbacks for referrals, and diverted the proceeds for personal use. The attached penalty sheet lists a maximum penalty of 5 years' imprisonment for Count 1.
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“Information — United States v. Dennes Garcia.”
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Case 0:21-cr-60146-RKA Document 17 Entered on FLSD Docket 05/21/2021 Page 1 ofKS
9
May 20, 2021
UNITED STATES DISTRICT COURT
SO UTH ERN D ISTR ICT O F FLO R IDA
21-60146-CR-ALTMAN/HUNT
C ase N o.
18U.S.C.j371
18U.S.C.j982
U N ITED STA TES O F AM ERICA
V S.
D ENN ES G A R CIA ,
D efendant.
INFO R M ATIO N
TheActing United StatesAttorney chargesthat:
G ENE R AL A LLE G A TIO N S
Atalltim es m aterialto this Inform ation:
The Pavcheck Protection Prozram
TheCoronavirusAid,Relief,andEconomicSecurity ISCCAR-ES''IActwasafederal
law enacted in or around M arch 2020 and designed to provide em ergency financialassistance to
the m illions of Am ericans who are suffering the economic effects caused by the COVlD-19
pandemic. One source ofreliefprovided by the CARES Actwasthe authorization offorgivable
loansto smallbusinessesforjobretentionandcertainotherexpenses,throughaprogram referred
toasthePaycheckProtectionProgram ($TPP'').
ln orderto obtain a PPP loan,aqualifying businesssubm itted a PPP loan application,
w hich w as signed by an authorized representative of the business. The PPP loan application
requiredthebusiness(thzoughitsauthorizedrepresentative)toacknowledgetheprogram rulesand
m ake certain affirm ative certifications in orderto be eligible to obtain the PPP loan. In the PPP
Case 0:21-cr-60146-RKA Document 17 Entered on FLSD Docket 05/21/2021 Page 2 of 9
loanapplication(SmallBusinessAdministration(i$SBA'')Fonu2483),thesmallbusiness(through
itsauthorizedrepresentative)wasrequiredtoprovide,amongotherthings,its:(a)averagemonthly
payrollexpenses'
,and (b)numberofemployees.Thesefigureswereusedtocalculatetheamount
of m oney the small business was eligible to receive under the PPP. In addition,businesses
applyingforaPPP loanwererequiredtoprovidedocumentation confirm ingtheirpayrollexpenses.
A PPP loan application w as processed by a participating lender. lf a PPP loan
application was approved,the participating lender funded the PPP loan using its ow n m onies.
W hile itw as the participating lenderthatissued the PPP loan,the loan w as 100% guaranteed by
the SBA. Data from the application,including inform ation aboutthe borrower,thetotalamount
ofthe loan,and the listed numberofemployees,wastransmitted by the lenderto the SBA in the
course ofprocessing the loan.
PPP loan proceeds were required to be used by the business on certain perm issible
expenses- payrollcosts,intereston m ortgages,rent,and utilities. The PPP allow ed the interest
and principalon the PPP loan to be entirely forgiven ifthe business spentthe loan proceeds on
these expenseitem swithin adesignated periodoftime and used adefinedportion ofthePPP loan
proceeds on payrollexpenses.
The Defendant,R elated Entities and lndividuals
5. DhandaCorporation(CûDhanda'')wasaGeorgiacorporationwithitslistedprincipal
address in Atlanta,G eorgia.
6. D efendantD EN NES G A RC IA ,a residentofFulton County,G eorgia,w asthe sole
ownerofD handa.
Case 0:21-cr-60146-RKA Document 17 Entered on FLSD Docket 05/21/2021 Page 3 of 9
Bank 1wasa financialinstitution based in SaltLake City,Utah,thatwasinsured
bytheFederalDepositlnsuranceCorporation (t$FDlC'').Bank 1wasanapprovedSBA lenderof
PPP loans.
8. Bank Processor 1 w as a third-party com pany processor,based in Redw ood City,
California,thatprocessed PPP loan applications forBank 1.
9. lndividual lw asa residentofBrow ard County,Florida.
lndividual2 wasa residentofBrow ard County,Florida.
C onspiracy to Com m itW ire Fraud
(18U.S.C.j371)
From in or around M ay 2020,through in oraround N ovem ber2020,in Brow ard County,
in the SouthenaDistrictofFlozida,and elsewhere,the defendant,
D EN NES G A R CIA ,
didwillfully,thatis,withtheintenttofurthertheobjectoftheconspiracy,andknowinglycombine,
conspire,confederate,and agree with Individual 1,lndividual 2,and with others known and
unknow n to the A cting United States A ttorney,to know ingly,and w ith the intent to defraud,
devise,and intend to devise,a schem e and artitice to defraud,and to obtain m oney and property
by m eansofm aterially falseand fraudulentpretenses,representations,and prom ises,know ing that
the pretenses,representations,and prom ises were false and fraudulentw hen m ade,and,for the
purpose ofexecuting the schem e and artifice,did know ingly transm itand cause to be transm itted,
by m eans ofw ire com m unication in interstate com m erce,certain writings,signs,signals,pictures
and sounds,in violation ofTitle 18,United States Code,Section 1343.
Case 0:21-cr-60146-RKA Document 17 Entered on FLSD Docket 05/21/2021 Page 4 of 9
PUR POSE OF THE CONSPIRACY
11. ltw as the purpose of the conspiracy for the defendantand his co-conspirators to
unlawfully enrich themselvesby,amongotherthings:(a)submittingandcausingthesubmission
offalseand fraudulentapplicationsforloansm adeavailablethrough theSBA to providerelieffor
the economic effects caused by the COV1D-19 pandemic,including PPP loans;(b)offering,
paying,andreceivingkickbacksinreturn forreferring otherindividualsforthesubm issionoffalse
and fraudulentloan applications;and (c)diverting fraud proceedsforthe defendant'sand co-
conspirators'personaluse,the use and benefitofothers,and to furtherthe conspiracy.
M AN N ER A N D M EAN S O F TH E C O N SPIM CY
The maM er and naeans by which the defendant and his co-ccmspirators sought to
accomplishtheobjectandpurposeoftheconspiracyincluded,amongothers,thefollowing:
12. D ENN ES G A R CIA , Individual lndividual 2, and other co-conspirators
subm itted and caused the submission offraudulentPPP loan applications for Dhanda and other
entities,via interstate w ire com m unications.
The PPP loan applications subm itted by DEN N ES G A R CIA , lndividual 1,
lndividual 2, and other co-conspirators for Dhanda and other entities included falsified bank
statem entsandpayrolltax form s,am ong otherthings,and falsely and fraudulentlyrepresentedthe
borrowing entity'snumberofemployeesand am ountofmonthly payroll.
14. D EN NE S G A R CIA and otherco-conspiratorspaid lndividual1,Individual2,and
otherco-conspiratorskickbacks in exchange forfacilitating and obtaining fraudulentPPP loans.
15. As a resultof the false and fraudulentPPP loan applications subm itted as partof
this schem e, Bank 1 and other participating banks disbursed m illions of dollars' in PPP loan
proceeds,which were transferred to DE NN ES G A R C IA ,Individual 1,lndividual2,and other
Case 0:21-cr-60146-RKA Document 17 Entered on FLSD Docket 05/21/2021 Page 5 of 9
co-conspiratorsviainterstatewiretransm issions.
O VER T A CTS
lnfurtheranceoftheconspiracy,andtoaccomplish itsobjectandpurpose,atleastoneof
the co-conspiratorscom m itted and caused to be com m itted,in the Southern D istrictofFlorida and
elsew here,atleastone ofthe follow ing overtacts,am ong others:
On or about M ay 26, 2020, DEN N ES G A R CIA sent lndividual 1 an e-m ail
attaching personalinform ation and infonnation aboutD handa,as well as copies of his driver's
license,and a voided check.
On or aboutM ay 29,2020,D ENN ES G A RC IA and Individual 2 electronically
subm itted and caused the subm ission ofan application fora PPP loan on behalfofDhanda to Barlk
1through Bank Processor1intheam ountof$285,742.
On oraboutM ay 29,2020,DEN N ES G A R CIA electronically signed and initialed
a Cipaycheck Protection Program Borrow er Application Form '' on behalf of D handa, which
represented that Dhanda had 15 em ployees and an average m onthly payroll of approxim ately
$114,297.
4. On or about June 1,2020,DEN N ES G AR C IA sentlndividual 1 a text m essage
stating thatthe fundshad ithit''G AR C IA 'S account and thatG A R CIA w ould go to the bank as
soon asitopened to w ire Individual1 his funds.
On oraboutJune 2,2020,DENNES GARCIA wired approxim ately $71,435 to
Individual 1 from an accountatBB& T,w hich accounthad on June 1,2020,received from Bank
1theproceedsofaPPP loan toDhandain theam ountof$285,742.
Case 0:21-cr-60146-RKA Document 17 Entered on FLSD Docket 05/21/2021 Page 6 of 9
O n oraboutJune 3,2020,D ENN E S G A RC IA w rote a check payable to him self
for $100,000 from Dhanda's bank accountusing funds that GARCIA had received from the
Dhanda PPP loan.
A llin violation ofTitle 18,United StatesC ode,Section 371.
FORFEITU-RE ALLEGATIO NN
The allegations contained in this lnfonnation are hereby re-alleged and by this
reference fully incorporated herein forthe purpose of alleging forfeiture to the U nited States of
certain property in w hich the defendant,D EN NE S G AR CIA ,has an interest.
2. Upon conviction of a violation of Title 18,U nited States C ode, Section 371,as
alleged in this lnfonnation, the defendant shall forfeit to the United States any property
constituting,orderived from ,any proceedsthe defendantobtained,directly orindirectly,asthe
resultofsuch violationpursuanttoTitle 18,United StatesCode,Section 982(a)(2)(A).
3. lfany ofthepropertysubjecttoforfeiture,asaresultofanyactoromissionofthe
defendant:
a. cannotbe located upon the exercise ofdue diligence'
,
has been transferred or sold to,ordeposited with,a third party;
hasbeenplacedbeyondthejurisdictionofthecourt;
has been substantially dim inished in value;or
e. hasbeen com m ingled w ith otherproperty w hich cannotbe divided w ithoutdifficulty,
the U nited States shallbe entitled to the forfeiture of substitute property underthe provisions of
Title21,UnitedStatesCode,Section853(p).
Case 0:21-cr-60146-RKA Document 17 Entered on FLSD Docket 05/21/2021 Page 7 of 9
A11pursuanttoTitle 18,United StatesCode,Section 982(a)(2)(A),andtheproceduresset
forth in Title21,U nited StatesCode,Section 853,asincorporated by Title 18,United StatesCode,
Section982(b)(1).
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A CTIN G UN ITED STATES A TT RN EY A CT H IEF,FM U D SECTION
ex *
LIN D SEY L P LO S FRIED M A N PHILI B . UT
A SSISTAN T UN TATES ATTORN EY TRIAL TT RN EY ,FRAU D SECTION
Case 0:21-cr-60146-RKA Document 17 Entered on FLSD Docket 05/21/2021 Page 8 of 9
UM TED STAT ESDISTRICT CO URT
SOUTH ERN DISTRICT O F FLO RIDA
UNITED STATESO FAM ERICA CASE NO.
V.
DENNES GARC I
A, C ERTIFICATE O F TRIAL ATTO RN EY.
Superseding Caselnform ation:
Defendant/
CourtDivision:tselectOne) Newdefendantts) IT-IYes I
--INo
F-lMiami F-lKeyWest I'
Z FTL Numberofnewdefendants
IN WPB I--IFTP Totalnumberofcounts
1havecarefully considered the allegationsoftheindictm ent,thenum berofdefendants,thenum berofproG ble
w itnessesand thelegalcomplexitiesofthelndictment/lnformation attachedhereto.
1am awarethattheinformationsupplied onthisstatementwillberelied uponby theJudgesofthisCourtin
settingtheircalendarsand schedulingcriminaltrialsunderthemandateoftheSpeedy TrialAct,
Title28 U.S.C.Section 3161.
lnterpreter:(YesorNo) NO
Listlanguageand/ordialect
Thiscase willtake 0 daysforthepartiestotry.
Pleasecheck appropriatecategory andtypeofoffenselistedbelow :
(checkonlyone) (Checkonlyone)
I 0to5days Iz Petty E7I
11 6to10days E7) Minor EEI
ll1 llto20days I71 Misdemeanor EEI
IV 21to60days g;l Felony Zz
V 61daysandover E71
6.HasthiscasepreviouslybeenfiledinthisDistrictCourt? (YesorNo) No
lfyes:Judge CaseN o.
(Attachcopyofdispositiveorder)
Hasacomplaintbeenfiledinthismatter? (YesorNo)Yes
lfyes:M agistrateCase No. 21-6150-HUNT
Relatedm iscellaneousnum bers:
Defendantts)infederalcustodyasof
Defendantts)instatecustodyasof
Rule20 from theDistrictof
Isthisapotentialdeathpenaltycase?(YesorNo) NO
7. Doesthiscase originatefrom am atterpendingin theCentralRegionoftheU.S.Attorney'sOffice priorto
August9,20l3(M ag.JudgeAlicia0.Valle)?(YesorNo) No
8. Doesthiscase originatefrom amatterpendingin theNorthern Region oftheU.S.Attorney'sOffice priorto
August8,2014(Mag.JudgeShaniekMaynard?(YesorNo) No
9. Doesthiscase originatefrom amatterpendingin theCentralRegion ofthe U.S.Attorney'sOfficepriorto
October3,2019(Mag.JudgeJaredStrauss)?(YesorNo) No
Lindsey Laz po Ios Friedm an
AssistantUnited tesAttorney
FLA BarNo. 091792
*penaltySheetts)attachi REV 3/19/21
Case 0:21-cr-60146-RKA Document 17 Entered on FLSD Docket 05/21/2021 Page 9 of 9
UNITED STATES DISTRICT COURT
SO UTH ERN DISTR IC T O F FLO R IDA
PENA LTY SH EET
Defendant'sName: PENYMS GARCIA
C ase N o:
Count#:1
Conspiracy to Com m itW ire Fraud
Title 18,United StatesCode,Section 371
*M ax.Penalty:5 years'im prisonm ent
*R efersonly to possible term ofincarceration,does not include possible fines,restitution,
specialassessm ents,parole term s,or forfeitures thatm ay be applicable.
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