My sister cares for my Mom who has dementia and has been living with my mother for 6 years. Since then my mother has been diagnosed with dementia. My sister has power of attorney. I have suspected for 4 years that my sister has been taking mom's money. Over the past 4 months, other relatives have expressed to me their concerns. I have talked to my sister but she will not let me help her and will not let my mother visit me. Recently I saw credit card statements with balances worth thousands of dollars. The purchases are not things for mom. I do not know where to begin to help my mom. I do not have money to hire an attorney. In addition mom is not getting the care she needs emotionally and physically but I can not prove it.
Does your mother have a large estate? Does she have assets and funds to be stolen? Is you mother paying for her room and board and for her care? Explain a little more about the financial arrangements.
How/why does your sister "not let my mother visit me." Do you mean she cannot come to your house? Are you asking for a few hours in the afternoon or a few days or what? How close do you live to your sister's? How would Mom get there? Does she allow you to visit freely with Mom in her house? Please explain a little more about this. Isolating an elder from her family can be serious, but more details will help us understand what is going on.
The credit card statements that you saw -- these were for cards in your mother's name? If Sis is buying things on Mother's credit cards and then paying the debts with Mother's money, that would be a violation of POA responsibility. If Sis is paying the bills with her own money, that would be different. And if Mom is "giving" these things to Sis, that is gray area.
What makes you think that Mom is not getting the care she needs? I understand how hard these things can be to prove, but what is causing you to conclude this? Can you give us some examples?
You definitely want to protect Mom from poor care or financial abuse, while at the same time you want to be supportive of a caregiver who is doing her best.
Provide more specifics and maybe we can help you sort this out.
If you are absolutely sure about the bank statements' showing payments from your mother's account that could not possibly be for anything of hers, or made with her permission, then I agree with Pam that you ought to report this to APS. It is elder abuse and it's serious. It is also not going to go down well if it can be shown that you and other family members were aware of the abuse and did nothing about it.
If there is room for doubt, though, you could send your sister information about the correct administration of vulnerable elders' accounts and see if that gives her a jolt. I don't know which authorities are responsible for overseeing powers of attorney in the US, but a quick internet search, if you're discriminating about what's on offer, should suggest a number of authoritative guides.
Ah! - Here you go. The Consumer Financial Protection Bureau offers a pdf called "Managing Someone Else's Money - help for agents under a power of attorney." I can't put the web address on here because the moderators don't like it, but it's a consumer finance.gov website and looks just the thing.
Now, then. It may be that your sister has already got herself neck deep in trouble. I'm impressed that you're still interested in helping her, which I think is an exceptionally constructive attitude - well done. It's a matter of getting her to come clean if she has made a mess of this, rather than just getting herself in deeper in an effort to get away with it. Do you have a friendly family lawyer, such as the one who drew up the POA, you could consult?