California Man Arrested in $1M Fraud Scheme in Washington

BELLINGHAM, Wash. — The Whatcom County Sheriff’s Office, in coordination with the Department of Homeland Security, has arrested a California man accused of orchestrating a large-scale fraud and theft operation that targeted Washington residents, resulting in losses exceeding $1 million.

“In May 2025, WCSO detectives and Department of Homeland Security agents launched an investigation into the activity of 56-year-old Xiaobin Zhou of California,” a WCSO press release said Thursday. “It was believed that Zhou was involved in ongoing fraud, theft and trafficking stolen property.”

Zhou was initially arrested May 15, 2025. As the investigation progressed, authorities developed probable cause for additional charges, including first-degree theft, first-degree theft from a vulnerable adult and criminal conspiracy.

Law enforcement has identified at least three victims in Washington state. Among them, an 86-year-old victim lost nearly $800,000, accounting for the majority of the total reported losses.

How the Fraud and Theft Operation Targeted Victims

Investigators say the scheme relied on deceptive links sent to victims. Once clicked, the links allegedly allowed access to victims’ computers. Victims were then instructed to withdraw large sums of cash, which were later collected by a courier.

Authorities say victims were also directed not to contact law enforcement or inform family members about the transactions, a tactic commonly used in fraud schemes to avoid detection.

Arrest and Upcoming Trial

WCSO detectives contacted Zhou on April 15, leading to his most recent arrest. He was booked into the Whatcom County Jail and is being held on $500,000 bail. Zhou is scheduled to stand trial July 27.

Authorities Urge Public Awareness

Authorities are urging the public to remain cautious when interacting with unfamiliar links. Officials warn that malicious links can install malware, steal personal information or compromise financial accounts.