Factual Proffer — United States v. Patrick Ductant (S.D. Fla.)
Summary
A Factual Proffer for defendant Patrick Ductant in Case 0:23-cr-60119-AHS, in the United States District Court for the Southern District of Florida, entered on the docket January 30, 2024. The United States and Ductant agree that Ductant conspired with others to commit bank fraud and wire fraud using stolen personally identifiable information, counterfeit driver licenses and fraudulent accounts to obtain bank loans and PPP and EIDL loans from the SBA. It gives examples, including a USAA Bank loan of $39,500 and an EIDL of $125,500 obtained in the name of R.W.D. Innovative Specialty Trims LLC, with proceeds diverted to Ductant's companies. It states that the conspirators caused an actual loss of $3,097,825, of which $1,045,325 was incurred by USAA Bank and $2,052,500 by the SBA.
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Cite this document
“Factual Proffer — United States v. Patrick Ductant (S.D. Fla.).”
Original at ecf.flsd.uscourts.gov. Archived at Pandemic Darlings, https://pandemicdarlings.com/source-documents/court-filing-usa-v-ductant-et-al-dkt-83-s-d-fla-a79d2c368c/
, SHA-256 0e97e9446dbca7af4ab9a53a1e2dc402ee12e1443c1f2dbb76a5781a527584d0.Full text
Case 0:23-cr-60119-AHS Document 83 Entered on FLSD Docket 01/30/2024 Page 1 of 8
UN ITED STA TES DIST RICT C O UR T
SO U TH ER N DISTR ICT O F FL O R ID A
FO R T LAU D ER DA LE D IW SIO N
CA SE N O .23-60019-CR -SIN G H A L
U M TED STA TES O F AM ER ICA
VS.
PATW CK DUCTANT,
D efendant.
. /
FA C TUA L PR O FFER
The United States of America (the çEunited States'') and Defendant Patrick Ductant
(tr efendanf')agreethat,werethiscasetoproceedto'
trial,theUnitedStateswouldprovebeyond
areqsonabledoubtthe following facts,am ohg others,wllich occurred in the Southez'
n Diskictof
Florida and elsewhere: '
.
From at least O ctober 2019, and continuing through M ay 2021, D efqndant
l
conspired and agreed Mdth lzervens Saint-Hilaire (KlKe1wens''), Vladimir Saint-l-lilaire
.. î
CçvladimiF'l,and others,tocommitbnnk fraudandwirefraud. Thepurpose oftheconspiracy
was for Defendant and llis co-conspirators to llnlawftzlly emich them selves by devising and
executing a scheme and artifice to defraud financialinstiG tions and the U.S.Sm allBusiness
Administration (tçSBA''). Defendantknew theunlawfulpurposeoftheplan andwillfullyjoined
Thebank fraudobjectoftheconspiracyinvolved,nmongotherthings,Defendant
and his co-conspirators unlaWfully using the m eans of identification of other persons, and
othenvisem aldng materially falseandâaudulentrepresentations,to obtain money,fllnds,credits,
and assetsunderthe custody and controloffinancialinstitutionswhoseactjountswereinslzred by
Case 0:23-cr-60119-AHS Document 83 Entered on FLSD Docket 01/30/2024 Page 2 of 8
theFederalDepositInsurance Corporation,including,butnotlimited to,U SAA FederalSavings
Bank (hereinafter,IEUSAA.BaI)k'')andW ellsFargoBank,N.A.(hereinafter,EûW ellsFargo').The
wire gaud object of the conspiracy involved,nmong other things,Defendant and hij co-
conspiratorsunlawfully using them eansofidentitk ation ofotherpersons,and otherwisem nking
materially false and fraudulentrepresentations,to obtain loanstvough the SBA'S Paycheck
ProtectionProgram (çTPP'')andEconomicInjuryDisasterLoan(E&EIDL'')program.ThePPP and
' y
EID L program w ere designed to provide em ergency financial assistance to the m illions of
Americanswhoweresufferingâom theeconomiceffectscausedbytheCOVID-19pav emic.
To carry outthe conspiracy aùd accom plish itspurpose,Defendantgnd his co-
conspirators unlawfully acquired personally identifiable information (GTII''),including social
security numbers,dates ofbirth,and driver license numbers,of other persons (hereinafler,
çGldentity Thef'
tVictims''). Someofthe Identity TheftVictimswere inmatesthen cpnfined itl
federaland state prisonswho played no role in the conspiracy and did notknow thatDefendant
andhisco-conspiratorhadacquiredtheirPI1.Co-defendantDavis,who duringtheconspiracyhad
accessto PIIthrough herem ploym entata company in Atlanta,Georgia,wasone sotlrce ofPII
w hom D efendant's co-conspirators paid for such PII. ln exchange forpaym ent,Davis provided
the requested PII to Co-conspirator 1,who in ttu'
n provided the P1Ito Defendant and his co-
conspirators.
4. In furtherance ofthe conspiracy,D efendant'and his co-conspirators used Identity
Theft V ictim s' PI1, including counterfeit driver licenses obtained by.D efendant and his co-
conspiratorsbearing Idergity TheftVictims'PIIwith otherpersons'photographs,to acco>plish
thefollowing: (a)apply for and obtain fraudulentloansfrom financialinstitmions,including
Page2 of8
Case 0:23-cr-60119-AHS Document 83 Entered on FLSD Docket 01/30/2024 Page 3 of 8
personalloansfrom USAA BankissuedinthenamesofIdentityTheftVictims;(b)applyforand
obtain fraudulentloansfrom the SBA ,including loansthrough the PPP and EIDL program sissued
inthenamesofIdentityTheftVictims;(c)openfraudulentbankaccolmtsatfinancialinstitm ions
in thenamesofIdentity TheftVictim sand conductfraudulentfmancialtransactionswithin such
accotmts,includingdepositingandwithdrawingtheproceedsoffraudulentloans;(d)fraudulently
obtain andusecreditcardsand debitcardsissued byfm ancialinstitm ionsinthe.nnmesofIdentity
TheftVictim s,including the ptzrchase ofm oney orders made payable to Defendantand his co-
conspirators;and (e)othem ise divertâaud proceeds obtained in the nnmesofIdentity Theft
'. .
Victim sfoitheuse and benefitofDefendant,llisco-conspirators,and others,including,butnot
limitedto,purchasesofand/orpaym entstoward hom es,hom eimprovements,luxury vehicles,and
jewelry,andotherexpenses.
5. The following acts,nm ong others,representthe marmer and m eans by which
Defendantandhisco-conspiratorssoughttoaccomplishthebnnkfraudobjectoftheconspiracy:
a. Defendantandhisco-conspiratorsunlawfully acquired from co-defendant
Davis,thename,date ofbirth,socialsecurity'number,and Florida driverlicensentzmber
ofan ldehtity TheftVictim whose initialswere &ûJ.H.'' Atal1relevanttimes,J.H .wasan '
inm ate serving a term of imprisonm entin a federalprison and did notopen any bank
accounts or apply for any loans. Using J.H.'S Pl1,Defendantand llis co-conspizators
acquired a counterfeitdriverlicense bearing J.H .'Sactualdate ofbil'th and Florida driver
licensenllm berwith anotherperson'sphotograph.D lzring and in relationto theconspiracy,
and withoutlaw fulauthority,D efendantpossessed?used,and transferred J.H .'Sm eans of
%
identification,that ij,a copy ofJ.H.'S cou terfeitdriver license bearing J.H.'S Florida
Page 3 of8
Case 0:23-cr-60119-AHS Document 83 Entered on FLSD Docket 01/30/2024 Page 4 of 8
driverlicensenum beranddateofbirth,whichD efendantexchangedviatextm essagewith
co-defendantK ervens on oraboutFebruary 26,2020.
b. On orabotltDecember10,2019,Defendantandhisco-conspiratorscaused
theorllinesubm ission ofaU SAA Bnnk consllmerloan application thatincludedJ.H .'Sfull
nam e,dateofbirth,and socialseclzrity ntlmber,am ong otherinform ation.Theapplication
requesteda$50,000loanforiiW eddingorEngagementExpenses.''USAA Bnnkapproved
theloan in thenm otmtof$39,500,and disbursedtheloanproceedsviapapercheck ntlm ber
0009529439datedDecdmber12,2019payabletoJ.H.(hereinaftgr,theGCJ.H.USAA Loan
Check').
C. On oraboutJanuaty 29,2020,Defendantandhisco-conspiratorscausedthe
onlinesubmissionofanapplicatioh to open'aW ellsFargo checking accotmtin J.H.'jnam e.
The application included .
J.H .'Snam e,date ofbirth,socialseclzrity nlxmber,and Florida
driverlicense num ber,nmong otherinform ation. W ells Fargo approved the application
and openeb accotmtn'
lzmberending in 2290 in J.H.'Snnme (hereinafter,theIGJ.H.2290
Accotmf).
d. Op M arch 2,2020,Kervensdepositedthe$39,500 J.H .USA A Loan Check
into thq J.H .2290 A ccountusing an A TM m achine located in Pem broke Pines,Florida.
A n A TM surveillance cnm era recorded K ervens m alcing this deposit. There w ere no
additionaldeposits made hlto the J.H.2290 Accotmtafterthe depositofthe $39,500.00
J.H .U SA A Loan Check.
On M arch 15,2020,Defendantdiverted to him self$9,000 f'
rom the J.H .
USAA Loan Checkproceedson depositintheJ.H.2290Accotmtby forgingchecknum ber
Page4 of8
Case 0:23-cr-60119-AHS Document 83 Entered on FLSD Docket 01/30/2024 Page 5 of 8
105 from theJ.H.2290 Accountand m aking itpayable to Defendant's company,ççcoral
11550,''fora pùrported çtsecurity D eposit.'' Defendantdeposited said forged check ihto
.' j .
. '
Coral11550'sW ellsFargo bank accotmt,forwhich Defepdantw asthe sole signer,using
an ATM m achine located in Pembroke Pines,Florida. An ATM surveillancezcnm era
recordedDefendantm akingthisdeposit.
On M arch 24,2020,Defendantdiverted to himself $9,200 from the J.H.
USAA LoanCheckproceedsondepositintheJ.H.2209Accounttyforgingchecknumber
106 from the J.H. 2290 Accotmt and m nking it payable to Defendant's company,
GtM iddlem an LLC,''for purported Gtlnstallation and Repair.'' D efendant'deposited said
forged check into theM iddleman LLC'SW ellsFargo bnnk account,forwhich Defendant'
wasthesolesigner,usin:ganATM machinelocatedinPembroiePines,Plorida.AnATM
surveillancecamerarecorbedDefendantmakingthisdeposit.
g. Additionally,Defendantandhisco-conspiratorsusedJ.H.'SPlItoapply for
andobtain creditcards,including aU SAA BnnkVisacreditcard endingin accotmtnumber
2675,whichwasissuedinJ.H.'Snnme(theECJ.H.2675Visa'').Amongothertmauthorized
transactions,Defendantcaused theJ.H.2675Visato creditthe W ellsFargo accountofhis
com pany,The M iddleman LLC DBA M erciM arketing,in the nmotmts of $2,563 and
$3,256onDecember21and23,1019,respectively.
6. The following acts,am ong others,represent.
the m nnner and m eans by which
Defendantandhisco-conspiratorssoughttoaccomplishthewirefraudobjectoftheconspiracy:
a. D efendmlt and his co-conspirators unlaw fully acquired the nam e, date of
birth,social security num ber,Florida driver license num ber,and other PI1 ofan Identity
Page 5 of 8
Case 0:23-cr-60119-AHS Document 83 Entered on FLSD Docket 01/30/2024 Page 6 of 8
TheftVictim whose'
initialswere 1&K R .'' Ata11ielevanttim es,K.R.wasaretired police
officerwhodidnotapply forany SBA loan oropen any barlk accounttoreceiveany SBA
loan. U sing K .R.'SPlIw ithoutauthorization,D efendantand hisco-conspirators acquired
acounterfeitdriverlièensebearing K.R.'Sdate ofbirth andFlorida driverlicensenuniber
w ith anotherperson'sphotograph.
On oraboutJanuaty 6,2021,D efendantand hisco-conspirators caused the
onlinesubmissionofanapplicationtoopenaBarlkofAmericachecldrk accoun'
tinK.R.'S
nam e. The application included K.R.'S nnm e and socialsectlrity nllmber,am ong other
/
inform ation. Bank of America approved the application and opened accotmt ntlmber
endingin4426inK.R.'Sname(hereinafter,tlleCtK.R.4426Accounf').
On oraboutJanua!y 7,2021,Defendantand lAisco-conspiratorscausedthe
online submission of an application to the SBA for atl EIDL on behalf of R.W .D.
Innovative Specialty TrimsLLC ($:R.W .D''). Theapplicatipn representedthat'K.R.was
the prim aty contactand 100% owner ofR.W .D.,and it included K.R.'S socialsectlrity
numberand dateofbirth,am ong otherinform ation.The applicationpresentedthat,forthe
lz-month period priorto January 31,2020,R.W .D.had gross revenue of$295,876 and
costofgoodssold of$45,000. Furthennore,the application supplied theaccotmtnufnber
and routingptlm berforthenewly created K.R.4426Account.SBA approved theEIDL in
theamountof$125,500(theGGR.W .D.EIDL''),and on January 20,20201,disbtlrsed the
entiretyoftheR.W .D.EIDLprocéeds(lessa$100appticationfee)viaACH transfertothe
K .R .4426 A ccount,w hich caused the transm ission ofa w ire com m tm ication in interstate
Com m erce.
Page 6 of8
Case 0:23-cr-60119-AHS Document 83 Entered on FLSD Docket 01/30/2024 Page 7 of 8
d. Among other transactions, on Januaty 27,2021, Defendant diverted to
him self$6,444.19 ofthe R.W .D.EIDL proceedson depositin the K.R.4426 Accountby
authorizing ballk check ntlmber 3550435 payable to GKDU CTANT,PATRICK.'' On
Febnlary 26,2021,Defendantdiverted to him self$2,250 oftheR.W .D.EIDL proceedson
depositin the K.R.4426 Accolmtby authorizing bank check nlzmbe;4035992 payableto
ET H E W D D LEM AN LLC ''Defendant'scom pany.
e. Defendantanbhisco-conspiratorsalsodivertedtothemselvesandothers
theR.W .D .EIDL proceedson depositin theK .R.4426 Accountby m aldng withdrawals
anddebitstherefrom topayforW esternUnionM oney Orders,jewelly,Comcastbills,and
otherpm chases.
Defendantand his co-conspirators conducted m uch ofthe fraudulent activity ill
f'urtheranceoftheconspiracyfrom aleasedofficespaceloùatedinM izamar,Florida(theçtM iramar
Office''). Dtlring the execution of a search warrant of the Miramar Office ptemises,1aw
enforcementrecovered tangible evidence ofthe fraud âom ,am ong otherplaces,a desk used by
Defendant(tûDefendant'sDesk'').Additionally,DefendantlsDeskcontainedphysicalcreditcards
gaudulently obtained in thenam esofIdentity TheftVictim s,includingdebitcardsassociated with
gaudulentaccolm tsthatreceived proceedsoffraudulentSBA loans. Law erlforcem entrecovered
similardigitâlevidenceonthecomputerlocatedonDefendant'sDesk (andonDefendant'sother
electronicdevicesseized andsearched plzrsuantto warrants),includingdozepsofIdentity Theft
Victim s' PII and other sensidve sectu'ity inform ation regarding hom e and business addresses,
M edical D octor Liçenses, passw ords and access ntlm bers, driver's license num bers, U SA A
memberntlmbers,and otherIdentityTheftVidim inform ation.
Page 7 of8
Case 0:23-cr-60119-AHS Document 83 Entered on FLSD Docket 01/30/2024 Page 8 of 8
8. Asa resultofDefendant'spartiqipation in the conspiracy,Defendantand his co- .
conspiratorsare responsibleforcausing an acm allossof$3,097,825,ofwhich $1,045,325 in loss
.
wasincurred byU SAA Bnnk and$2,052,500in losswasincurred bythe SBA.Defendantand his
co-conspirators used the fraudulently obtained proceedsto emich them selves and others through
approxim ately M ay 2021.
The United Statesand Defendantagree thatthese fads,which do notindude a1l
factslçnown totheUnited StatesalldDefendant,aresufficienttoprovebeyondareasonabledoubt
theelem entsofconspiracy to comm itbnnk fraud and wire fraud,in violation ofTitle 18,Urlited
States Code,Section 1349,and aggravated identity theft in violation ofTitle 18,United States
Code,Section 1028A(a)(1),thatDefendantisinfactguiltyofthoseoffensesàschargedin Count
1apdCouflt19,resyectively,oftheIndictment.
M ARKENZY LAPOINTE
UNITED STATVS ATTORNEY
Date: 01 Q # Jo Byq
DA V I A .SN ID ER
A SSISTAN T IT D STA TES A TTORN EY
o -t-, )l?.b/7@ DA V ID S ER
ATTORNEY FEkDAXT
! .&a z y .
'>
D ate:
PA TRICK D T
DEFEN D AN T
Page 8 of8
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