Massachusetts Woman Sentenced for Bank Fraud

BOSTON - A Charlton, Mass. woman was sentenced yesterday in federal court in Worcester for fraudulently obtaining Social Security benefits and pension payments.

Gina M. Cummings, 61, was sentenced by U.S. District Court Judge Margaret R. Guzman to one day of prison deemed served, three years of supervised release and was ordered to pay $110,428 in restitution. In May 2026, Cummings pleaded guilty to one count of bank fraud. In December 2025, Cummings was arrested and charged.

From January 2020 through July 2025, Cummings fraudulently obtained approximately $110,428 in Social Security benefits, private pension payments and COVID Economic Impact Payments. Cummings had access to the checkbook of a Social Security beneficiary and pensioner who died in August 2019. She failed to report the beneficiary's death to the Social Security Administration, the pension plan and the bank where the funds were deposited. Instead, Cummings accessed the improperly paid funds by forging the deceased beneficiary's name on 84 checks and regularly depleted the account funds through recurring bill payments.

United States Attorney Leah B. Foley and Amy Connelly, Special Agent-in-Charge of the Social Security Administration, Office of the Inspector General, Office of Investigations, Boston Field Division made the announcement. Assistant U.S. Attorney James J. Nagelberg of the Major Crimes Unit prosecuted the case.

On March 26, 2026, United States Attorney Leah B. Foley announced the creation of the Benefit & Voter Fraud Team, a district-wide initiative established in response to the rampant fraud being uncovered across Massachusetts. The Team is led by two senior federal prosecutors serving as Fraud Coordinators, whose mission it is to aggressively investigate and prosecute misuse of taxpayer-funded benefits in Massachusetts.

Members of the public are encouraged to report suspected benefit fraud in Massachusetts by calling 1-855-SCAM-MA-1 (855-722-6621).

On April 7, 2026, the Department of Justice announced the creation of the National Fraud Enforcement Division. The Fraud Division is investigating and prosecuting those who commit fraud against the American people. The Department's work to combat fraud supports President Trump's Task Force to Eliminate Fraud, a whole-of-government effort chaired by Vice President J.D. Vance to eliminate fraud, waste, and abuse within Federal benefit programs.