United States v. Jose Salvador Lantigua

CourtCourt of Appeals for the Eleventh Circuit
DecidedSeptember 20, 2018
Docket17-12684
StatusUnpublished

This text of United States v. Jose Salvador Lantigua (United States v. Jose Salvador Lantigua) is published on Counsel Stack Legal Research, covering Court of Appeals for the Eleventh Circuit primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
United States v. Jose Salvador Lantigua, (11th Cir. 2018).

Opinion

Case: 17-12684 Date Filed: 09/20/2018 Page: 1 of 17

[DO NOT PUBLISH]

IN THE UNITED STATES COURT OF APPEALS

FOR THE ELEVENTH CIRCUIT ________________________

No. 17-12684 Non-Argument Calendar ________________________

D.C. Docket Nos. 3:16-cr-00125-TJC-PDB-1, 3:16-cr-00141-TJC-PDB-1

UNITED STATES OF AMERICA,

Plaintiff - Appellee,

versus

JOSE SALVADOR LANTIGUA,

Defendant - Appellant.

________________________

Appeal from the United States District Court for the Middle District of Florida ________________________

(September 20, 2018)

Before TJOFLAT, JILL PRYOR and NEWSOM, Circuit Judges.

PER CURIAM: Case: 17-12684 Date Filed: 09/20/2018 Page: 2 of 17

Jose Salvador Lantigua was sentenced to 168 months’ imprisonment, a

significant upward variance from his applicable Sentencing Guidelines range, after

he pled guilty to conspiracy to commit mail fraud and wire fraud, in violation of 18

U.S.C. § 1349; bank fraud, in violation of 18 U.S.C. § 1344; passport fraud, in

violation of 18 U.S.C. § 1542; and aggravated identity theft, in violation of 18

U.S.C. § 1028A. On appeal, Lantigua argues that the district court erred by

imposing a procedurally and substantively unreasonable sentence. After careful

review, we affirm.

I. BACKGROUND

A. The Fraudulent Scheme

In April and August 2012, Lantigua applied to borrow $2 million in loans

from Fidelity Bank (formerly known as American Enterprise Bank), a federally

insured financial institution in Jacksonville, Florida. During the application

process, Lantigua submitted a false and fraudulent statement of a life insurance

policy from Hartford Universal Life, reflecting a cash value of more than $2.4

million, and a false and fraudulent statement of his personal assets and liabilities.

Under the loan agreements, Lantigua assigned life insurance benefits as collateral.

Based upon the false information provided to the bank, the loans were approved

and funded.

2 Case: 17-12684 Date Filed: 09/20/2018 Page: 3 of 17

In early 2013, with his business financially suffering and having borrowed

$2 million based on fraudulent documents, Lantigua decided to fake his own death

and allow his family to collect his life insurance benefits to pay off his outstanding

debt. He told his wife, Daphne Simpson, that he suffered from a fatal brain disease

and had one year or less to live. He said that he could travel to South America to

undergo a potentially life-saving treatment.

Shortly before his trip, Lantigua revealed to Simpson that he had no brain

disease, but he continued to lie to her. He told her that his military past was

catching up with him. He explained that he had led an Army special operations

team, his team had taken out a drug cartel leader, and he was being blackmailed by

a rogue CIA agent. Lantigua told Simpson he had been blackmailed into paying

money to avoid exposure to the alleged cartel leader’s son. He also said that

members of his former team had already been killed and warned Simpson that both

of their families were in danger. Simpson believed the fabricated military story

and agreed to help him out of fear for their families by applying for Lantigua’s life

insurance benefits after he secured a sham death certificate.

Lantigua flew to Venezuela, where he obtained the fraudulent death

certificate and a fraudulent certificate of cremation. Simpson met Lantigua in

Venezuela and used the fraudulent death certificate and certificate of cremation to

3 Case: 17-12684 Date Filed: 09/20/2018 Page: 4 of 17

obtain a certificate of death abroad from the U.S. Embassy. She then returned to

the United States with the fake certificates.

Simpson submitted false claims to seven life insurance companies,

representing that Lantigua had died in Venezuela. She directed Lantigua’s

attorney, who was unaware of the scheme, to prepare the documents necessary to

seek death benefits from the life insurance companies. The cumulative value of

these policies exceeded $6.6 million, but only three of the companies paid death

benefits, so Simpson only received $871,067.11. Simpson and Lantigua’s

unwitting attorney went to federal court in an attempt to obtain payment on at least

some of the policies.

Meanwhile, Lantigua illegally returned to the United States by paying an

individual $5,000 to take him from the Bahamas to Florida on a fishing boat.

Lantigua and Simpson then traveled to their second home in North Carolina, where

Lantigua used a New York driver’s license and birth certificate in the name of

“Ernest Allen Wills” to obtain a North Carolina driver’s license in that name. He

used his fraudulent driver’s license to apply for a passport in Wills’s name.

Officials with the U.S. Department of State caught on to Lantigua’s fraudulent

passport application, and law enforcement arrested him in North Carolina.

Lantigua pled guilty to one count each of conspiracy to commit mail and wire

fraud, bank fraud, passport fraud, and aggravated identity theft.

4 Case: 17-12684 Date Filed: 09/20/2018 Page: 5 of 17

B. The Sentencing Hearing

In preparing the Presentence Investigation Report (“PSI”), a probation

officer calculated a total offense level of 24 for Lantigua’s convictions for

conspiracy to commit mail and wire fraud, bank fraud, and passport fraud. This

calculation included 18 levels based on an intended loss amount of over $8 million,

as well as a three level reduction for Lantigua’s acceptance of responsibility. With

a total offense level of 24 and a criminal history category of I, the calculated

guidelines range for Lantigua’s conspiracy, bank fraud, and passport fraud

convictions was 51 to 63 months’ imprisonment. The guidelines sentence for

Lantigua’s aggravated identity theft conviction was 24 months consecutive to all

other counts, making the total guidelines range 75-87 months. See U.S.S.G. §

2B1.6.

The district judge who sentenced Lantigua was the same judge who had

presided over the civil cases through which Simpson fraudulently had attempted to

recover benefits under Lantigua’s life insurance policies. At the sentencing

hearing, the district court noted its familiarity with Lantigua’s case based on the

previous civil cases. The court adopted the guidelines calculation in the PSI

without objection from either party. The court entertained extensive argument

from the government and defense counsel and reviewed statements from victims of

Lantigua’s fraud, including Fidelity Bank, Five Star Insurance, and Michael

5 Case: 17-12684 Date Filed: 09/20/2018 Page: 6 of 17

Wienckowski, a former friend who had loaned over $1.7 million to Lantigua.

Even though Wienckowski was not a victim of the counts of conviction, he and his

wife spoke at the sentencing hearing about the money they lost as a result of

Lantigua’s fraud and through litigating against Lantigua and Simpson to recover

against them for the fraud.

The district court at length considered the Sentencing Guidelines and the

factors set forth in 18 U.S.C.

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United States v. Jose Salvador Lantigua, Counsel Stack Legal Research, https://law.counselstack.com/opinion/united-states-v-jose-salvador-lantigua-ca11-2018.