In the days between Christmas and New Year’s Day, the United States Postal Inspection Service arrested five people—across four states—on federal allegations connected to a multimillion-dollar counterfeit coupon scheme. Two weeks later, in an unrelated case, a Massachusetts woman pleaded guilty to larceny charges related to $27,000 in fraudulent shopping coupons.
Both criminal investigations received assistance from Bud Miller, a University of Maryland Global Campus (UMGC) alumnus who serves as executive director of the Coupon Information Corporation (CIC), a not-for-profit association of consumer product manufacturers dedicated to fighting coupon mis-redemption, counterfeiting and fraud.
“Every year that passes, the fraud becomes more sophisticated,” said Miller, who has applied his UMGC master’s degree in international management to a career as a fraud buster.
Miller is no stranger to high-stakes police dramas. A few years ago, he helped investigators stop one of the biggest coupon frauds on record, a $31 million scheme the FBI said ran for three years from a Virginia home. Graphic artist Lori Anne Talens and her husband, Pacifico Talens Jr., used technology to manipulate coupon barcodes and create authentic looking counterfeits that sometimes inflated coupon discounts so much that consumers could get products for free or nearly free. The Talens sold the coupons online to other fraudsters.
People in the theft network made their money by reselling the coupons, using them and then returning the discounted products for a full-price refund, or selling them online or at flea markets.
Miller helped expose the racket in 2020. Lori Anne Talens was sentenced to more than 12 years in prison for the fraud; her husband received a 7-year sentence. They were also ordered to pay $31 million in restitution. The U.S. Post Service podcast, “Mailin’ It,” highlighted the bust in its Feb. 11, 2025, episode.
Although the Talens were convicted, their scheme was far reaching. The recent postal service arrests involved five women who had purchased counterfeit coupons from the Talens. Prosecutors said one suspect alone was responsible for $1.3 million in retailer losses. If convicted of mail fraud, wire fraud and conspiracy, the five women face significant jail time and financial penalties. The postal service became involved because the coupons were sent through the mail.
The Talens case was featured in headlines across the globe, but it was not necessarily the most famous of the cases Miller worked on. He earlier helped expose three Arizona women whose fake coupon business inspired a movie, “Queenpins.”
In that case, Miller accompanied law enforcement agents who had a warrant to search the ringleader’s home. Police found not only boxes and plastic bins containing $40 million in counterfeit coupons, but they also came upon a cache of firearms.
“There were weapons scattered throughout the building. We called it the three-second rule—you could grab a weapon from any location in the building within three seconds,” Miller said. “When the search warrant was served, one resident had a gun in his hand. He wisely put it down when he realized that a SWAT team was at his door.”
In addition to nearly two dozen guns, the fraudsters—Phoenix residents Robin Ramirez, Amiko Fountain and Marilyn Johnson—also had purchased 21 vehicles, many of them luxury cars, a 40-foot boat and other lavish items.
The women were charged in 2012 with illegal control of an enterprise, forgery, counterfeiting, fraud and trafficking in stolen products. Ramirez, the main defendant, was sentenced to jail time, and all three women were ordered to pay $1.3 million in restitution to the companies they bilked.
The Arizona case—including the CIC’s role—is the centerpiece of a new coupon fraud exhibit at the Alcatraz East Crime Museum in Tennessee.
CIC was also involved in exposing a high-profile Texas coupon fraud ring in which three people were charged with theft and 87 other people across 23 states were linked to the scheme, which bilked manufacturers out of millions of dollars.
Since it began operations in 1986, CIC has exposed illegal coupon operations worth more than $750 million. Miller said people are often surprised by the amount of money involved in the schemes, adding that large-scale coupon fraud can be more profitable than selling drugs.
“It does not cost a lot of money to create a fake coupon. It’s either slips of paper or electronic files that are circulated through secret groups on social media platforms,” he said. “Like anything else out there, coupons are evolving. There’s greater emphasis on digital coupons, and that’s the fastest growing area of the industry.”
A survey by Ad Age magazine just more than three years ago found that 68 percent of consumers have used coupons. The American Society for Industrial Security in Alexandria, Virginia, characterizes coupons as the most effective way to introduce consumers to new products, services and restaurants.
“The United States is the largest coupon market in the world. Americans are coupon crazy,” Miller explained. “When everything’s working correctly, coupons are a great deal. Manufacturers are selling their products, retailers are meeting sales goals and consumers save money.
“Unfortunately, on the other side, we always have cases going on.”
Miller said coupon fraud carries a direct cost to retailers while also forcing them to bear the expense of tracking and monitoring coupon use and misuse. Fake coupons also rob states of tax revenue.
Before launching CIC, Miller traveled across the country to observe how coupons were produced, introduced into use and processed. Today, while CIC’s biggest effort goes into work with law enforcement officials to end fraud and prosecute the wrongdoers, it also gives manufacturers, retailers and restaurants guidance on how to improve their coupon safety, including by adding holograms or special logos to the coupons. It has developed a phone app that allows cashiers and law enforcement to scan coupons to verify their authenticity. And it keeps a database of fraudulent coupons which can be used to prevent them from being accepted.
Miller said one large chain store recently reported its counterfeit coupon exposure dropped 95 percent after implementing CIC’s file.
The search for scammers is a slow and methodical process. Often, CIC purchases counterfeit coupons then works backward to find their source.
“You have to be persistent at this job. Running the CIC is a pretty intense job,” Miller said. “Frequently, it’s more than 9-to-5 and it’s more than five days a week. And every day is different. You have to be able to think beyond the box, and you have to be able to think like a criminal.
“I never know if I’m going to be talking to a CEO or to a heroin addict—and I have to be comfortable enough to deal with both.”
For CIC, it’s not just about catching and prosecuting wrongdoers. Prosecutions add to deterrence, but the ultimate goal is to secure the couponing system.
Cybersecurity expertise and data analysis programs offered at UMGC, are good platforms for working in the anti-fraud field, which is increasingly high-tech, Miller said.
“Con artists are constantly evolving and becoming more sophisticated. We’ve already observed them attempting to take advantage of digital promotions,” Miller said. “CIC’s Tiger Team is addressing this growing challenge with new technologies and creating new techniques for high-tech-enabled law enforcement investigations.”
Miller is an engaged alumnus at UMGC, where he and his wife established the Ed & Jean Miller Answering the Call Scholarship in honor of his parents. The scholarship supports servicemembers who have served in a war zone in the 24 months prior to receiving the scholarship, UMGC students currently serving in a war zone or family members of servicemembers who lost their lives in combat.
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