A Farmington woman has been charged with theft and identity theft after investigators alleged she carried out dozens of unauthorized transactions using another person’s debit card in San Juan County, according to a criminal complaint filed in Aztec Magistrate Court.

The case was filed April 8, 2026, and stems from financial losses reported in late December 2025.

What Court Records Allege

According to the statement of probable cause, Jinna Swift is accused of making or facilitating 87 unauthorized transactions between Aug. 5, 2025, and Dec. 26, 2025. Investigators allege the transactions included ATM withdrawals and debit card purchases tied to an account belonging to another individual.

The reporting party told deputies she had been out of town during the holidays and later noticed her wallet missing. When she asked about it, the suspect reportedly said it was in her vehicle. The reporting party told deputies she had never left her wallet in that location and began reviewing her financial records.

Bank statements reviewed by investigators showed transactions totaling approximately $4,410.39 over several months, according to the affidavit. The reporting party told deputies she had only withdrawn about $300 herself and believed the remaining transactions were unauthorized.

Investigation and Interviews

Deputies contacted the suspect by phone, where she acknowledged having access to the debit card and said she had used it while helping with errands. She also told deputies she needed money for purchases but did not have permission to use the card, according to the affidavit.

During a later in-person interview, investigators said the suspect stated she had taken about $4,400 from the account. She told deputies she had been helping the reporting party and believed she should have been paid for that assistance.

The suspect also provided investigators with information related to the debit card, including that she had access to the PIN. She identified certain ATM transactions but denied responsibility for others, according to the report.

Surveillance and Financial Records

Investigators requested surveillance footage from multiple ATM locations, including Speedway stores and bank branches across Farmington and Bloomfield. According to the affidavit, video footage showed a female matching the suspect’s description making withdrawals and, in at least one instance, completing a purchase using the debit card.

Some transactions were confirmed through surveillance, while others could not be verified due to unavailable footage. Investigators also reviewed transactions at retail stores and restaurants in San Juan County.

The affidavit states that even for transactions the suspect denied, investigators found it “reasonable to believe” she made additional purchases because she had access to the card and knew the PIN.

Charges Filed

• Unauthorized withdrawal, theft or use of a card of another — fourth-degree felony (five counts)
• Identity theft — fourth-degree felony (five counts)

Case Status

A summons has been issued in Aztec Magistrate Court. No additional hearings were listed in the filed documents.

Source

Criminal complaint and statement of probable cause filed in Aztec Magistrate Court by the San Juan County Sheriff’s Office.

Jinna Swift is presumed innocent unless and until proven guilty in a court of law. Charges are allegations. No determination of guilt has been made.