A Napa woman is sitting it out in jail after police say she opened 10 fraudulent credit card accounts on the Internet using her former roommate’s identification.

Gina Marie Riggs was taken into custody by Napa police on Monday at her residence in the 2400 block of Old Sonoma Road.

A woman told police Riggs had racked up $37,000 in losses in her name using the credit cards, according to Napa Police Sgt. Tim Cantillon.

Events began to unravel at the end of April when the woman received confirmation from a bank for a change of address an a credit card account, a change she did not initiate, Cantillon said.

The woman did some investigating on her own and that’s when she learned about the 10 fraudulent cards that had been issued to her, he said.

“The victim had reason to suspect Riggs was responsible and confronted her,” Cantillon said. “Riggs admitted it, said she was sorry and agreed to pay the victim back. But she didn’t, and that’s when we came into the picture.”

The woman reported Riggs to police, who did an investigation on the fraudulent credit cards.

On Monday, detectives contacted Riggs, and she admitted to using the Internet to open the 10 credit card accounts in the victim’s name, Cantillon said.

Riggs, 43, was arrested on suspicion of felony burglary, grand theft, fraud and identity theft.

She was being held in the county jail on $100,000 bail.