Gurrola, Maria v. State

CourtCourt of Appeals of Texas
DecidedOctober 16, 2003
Docket08-01-00107-CR
StatusPublished

This text of Gurrola, Maria v. State (Gurrola, Maria v. State) is published on Counsel Stack Legal Research, covering Court of Appeals of Texas primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Gurrola, Maria v. State, (Tex. Ct. App. 2003).

Opinion

COURT OF APPEALS

COURT OF APPEALS

EIGHTH DISTRICT OF TEXAS

EL PASO, TEXAS

MARIA GURROLA,

                            Appellant,

v.

THE STATE OF TEXAS,

                            Appellee.

'

                No. 08-01-00107-CR

Appeal from the

243rd District Court

of El Paso County, Texas

(TC# 20000D02316)

O P I N I O N

This appeal presents the question of whether one of two signatories to a joint checking account commits theft by depleting funds in that account without the knowledge of the other signatory.  Finding that, as a matter of law, signatories to a joint checking account are co-owners of the funds therein, but further finding there is evidence the joint account was established without the effective consent of both owners, we affirm.

Facts


Maria Gurrola, appellant here and defendant below,  is the niece of complaining witness Soledad Lozoya.  Lozoya is in her nineties, unmarried, has no children, and until March 1997 lived in Juarez, Chihuahua, Mexico.  At that time, a drunk driver crashed into Lozoya=s house, destroying it and sending her into shock.  Several days after the accident, Gurrola and her husband brought Lozoya to a hospital in El Paso.  Lozoya paid her own hospital bills.  She also paid  $2,300 to a Juarez neighbor, Jose Gil, to repair her home.  While the house was being repaired she lived with Gurrola and her family in El Paso for about five months.  She then returned to Juarez.

In April 1997, Gurrola took Lozoya to Norwest Bank in El Paso where Lozoya had her checking account.  Lozoya testified that on that day she was sick, was using supplemental oxygen, and did not understand what they had arranged there.  Gurrola and Lozoya met with Queta Zwittag, the banker who handled Lozoya=s accounts.  Zwittag first became acquainted with Lozoya in 1995 and for years saw her every month when Lozoya would come into the bank to have Zwittag help balance her account and facilitate her monthly withdrawal of about $400.  In the years Zwittag has known Lozoya, her customer always seemed quite sharp and lucid.


Zwittag opened joint accounts for Lozoya and Gurrola.  Zwittig said Lozoya seemed a little weaker than usual, and she was Akind of shocked@ to see her like that.  Upon opening the joint accounts, Zwittag advised both Gurrola and Lozoya that the joint accounts had rights and liabilities, including the fact that both parties can write checks, withdraw funds, and make deposits.  Lozoya and Gurrola opened two accounts that day--a joint checking account and a joint money-market savings account.  Each required only one signature to withdraw funds.  Zwittig testified she would have refused to open the joint accounts if she thought Lozoya had not understood what their joint status meant.

Zwittag characterized Lozoya=s spending habits as Avery conservative@ and noted that prior to the creation of the joint accounts, she made only a single monthly  withdrawal of money for Athe essentials.@  After the joint accounts were created, Zwittag found the account activity incompatible with Lozoya=s established pattern.  Zwittag did not see Lozoya for several months after she opened the joint accounts, which was also unusual.  One day Lozoya returned to the bank alone.  She told Zwittag she had returned to Juarez because her house had been repaired, and asked about the status of her accounts.  Lozoya was very upset when she learned that large withdrawals had been made from the joint accounts.  Lozoya told Zwittag she had not been receiving her bank statements, nor did Lozoya recognize any of the transactions when they reviewed them together.

Lozoya testified that $27,220 was stolen by Gurrola

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