ATM ‘Tap-In’ Scam: Florida Woman Used Social Media to Lure Followers with Bank Accounts.

ATM ‘Tap-In’ Scam: Florida Woman Used Social Media to Lure Followers with Bank Accounts.

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A 24-year-old Tampa woman, Janetcilize Martinez, has been arrested for masterminding an ATM “tap-in” scam that went viral on social media.

Florida authorities say Martinez openly advertised on TikTok and Instagram, flaunting wads of cash and urging followers to “DM if you have a bank account.”

Individuals responded and willingly handed over debit card access in exchange for a cut.

Martinez then deposited fake checks into their accounts and quickly withdrew the funds from ATMs before banks could flag the fraud.

This wasn’t identity theft—it was collaborative fraud, and officials warn that those recruited could also face charges.

During a raid on Martinez’s home, police uncovered 117 stolen credit cards, $6,292 in cash, drug paraphernalia, and a semi-automatic handgun.

She now faces multiple felonies, including fraudulent use of personal ID and intent to sell cannabis.

Authorities caution that so-called “easy money” schemes online can spiral into serious legal consequences.