Fremont insurance agent’s license revoked for illegally borrowing money from insurance client
News: 2021 Press Release
SAN FRANCISCO, Calif. - California Insurance Commissioner has revoked the license of insurance agent Jung Ok Kim, aka Angie Kim, 46, of Fremont, for illegally borrowing $25,000 from her insurance client.
The Department of Insurance alleges that Kim borrowed $20,000 from her client in December 2018 and another $5,000 from the same client two days later. Kim only repaid $3,000 to her client.
California’s Insurance Code prohibits licensees from borrowing money from their insurance clients. The Department issued an Accusation against Kim on June 8, 2021, and issued an order of revocation after Kim failed to respond.
Kim’s actions may fall under a type of underreported affinity fraud – where perpetrators prey on members of their own ethnic community and rely on victims not to reach out for help, for various reasons, including embarrassment or distrust of governmental authorities. This makes these victims especially vulnerable and crimes perpetrated against them often go unreported.
The Department’s function is to protect all of California’s insurance consumers, especially those in vulnerable communities, and urges anyone who may be a victim of this or any type of fraud to contact Investigator Leanne Borden at (707) 751-2059.
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Media notes:
북가주 프리몬트지역 보험에이전트, 손님에게 불법으로 돈 빌리고 갚지 않아, 캘리포니아 주정부 라이센스 박탈
SAN FRANCISCO, Calif.-- 캘리포니아 보험 커미셔너는 보험에이전트, 엔지 김으로 알려진 김정옥(Jung Ok Kim, aka Angie Kim, 46세) 씨가 손님으로부터 불법적으로 $25,000 불을 빌린 사실을 근거로, 주정부 보험 라이센스를 박탈한다고 밝혔다.
캘리포니아 보험국에 따르면, 김정옥 에이전트는 지난 2018년 12월, 본인의 보험 손님에게 $20,000 불을 빌렸고, 2일 후에 $5,000 을 추가로 빌렸으나, $3,000 을 돌려준 혐의를 받고 있다.
캘리포니아 보험법은 보험 에이전트가 본인의 보험 손님에게 돈을 빌리는 것을 엄격히 금지하고 있다. 보험국은 해당 에이전트에게 소명을 요청했으나, 응답이 없기 때문에 2021년 6월 8일부 김씨를 고발하고, 캘리포니아 주정부 보험 라이센스 자격을 박탈한다고 발표했다.
김씨의 혐의는 전형적인 친분사기(Affinity Fraud)에 해당할 수 있으며, 이는 주로 소수 민족 커뮤니티에서 발생하는 친인척 또는 친분이 있는 사람들에게 발생하는 범죄들로서 많은 경우 리포트 되지 않는 경우들일 수 있다.
캘리포니아 보험국은 이러한 취약한 커뮤니티의 보험 고객들을 보호하기 위해 기능을 다하며, 특별 조사관인 Leanne Borden (707-751-2059)에게 직접 신고할 수 있도록 하고 있다.
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Led by Insurance Commissioner Ricardo Lara, the California Department of Insurance is the consumer protection agency for the nation's largest insurance marketplace and safeguards all of the state’s consumers by fairly regulating the insurance industry. Under the Commissioner’s direction, the Department uses its authority to protect Californians from insurance rates that are excessive, inadequate, or unfairly discriminatory, oversee insurer solvency to pay claims, set standards for agents and broker licensing, perform market conduct reviews of insurance companies, resolve consumer complaints, and investigate and prosecute insurance fraud. Consumers are urged to call 1-800-927-4357 with any questions or contact us at www.insurance.ca.gov via webform or online chat. Non-media inquiries should be directed to the Consumer Hotline at 800-927-4357. Teletypewriter (TTY), please dial 800-482-4833.
