A Charlton woman recently pleaded guilty in federal court in Worcester to obtaining more than $110,000 in Social Security benefits, private pension payments, and COVID Economic Impact Payments, according to federal prosecutors.
Gina M. Cummings, 61, pleaded guilty to one count of bank fraud, according to the United States Attorney’s Office for Massachusetts. Judge Margaret R. Guzman of the United States District Court has scheduled a sentencing hearing for August 20th.
Prosecutors stated that Cummings was apprehended and prosecuted in December 2025. From January 2020 to July 2025, she fraudulently collected approximately $110,428 by acquiring access to the checkbook of a Social Security recipient and pensioner who died in August 2019.
Prosecutors claim Cummings failed to report the beneficiary’s death to the Social Security Administration, the pension plan, and the bank where the monies were stored. Instead, she forged 84 checks in the deceased beneficiary’s name and depleted the account on a regular basis with recurring bill payments.
The bank fraud accusation carries a maximum term of 30 years in prison, 5 years of supervised release, and a fine of up to $250,000, or double the gross gain or loss, whichever is higher.
The case is being prosecuted by Special Assistant United States Attorney James J. Nagelberg and the Worcester Branch Office.
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