Matthew Cox | Inside True Crime Podcast - Accountant For Criminals Finds Infinite Money Glitch

Episode Date: August 26, 2023

Accountant For Criminals Finds Infinite Money Glitch

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And so all the people at that Wells Fargo Bank got fired, like five or six years. Hey, this is Matt Cox, and I'm here with Sean Cowgill. Got out a few years ago, started a prison channel. He was locked up for wire fraud. And he's got an interesting story, which we're about to hear. So check it out. Yeah, I got off probation December 23rd. So that was my early Christmas present.

three years probation three years so you've been out three years yeah well sick i got you know if you count halfway house time three and a half and then december was like five months ago almost so close to four years now i mean out of the prison you know right i went to the camp of uh florence in colorado and then uh my day job was at the super max and then you come back to the camp at night all right so so what i mean where were you were you raised in florida no no no I don't know. It was Florence, Colorado. But no, I've been born and raised in San Francisco. So you were born in San Francisco? Yeah. And normal childhood? No, not at all. Mean old father, drunk, white beater, child beater.

You know, pretty bad raising mom was a drunk, dad was a drunk. They got divorced when I was about 10. but my mom we spent years running from my dad and he find us here and there and uh it wasn't the best childhood lived in a pretty bad neighborhoods and mom uh really was a housewife for a long time and then she decided got the courage to run for my dad and uh lived in these really uh really bad neighborhoods and uh you know the vv of san francisco that stands for very few whites right so so what so i mean your mom you're saying your mom was also an alcoholic though she was an alcoholic and uh you know and a battered wife and uh but uh that's one thing i kind of try now is to i'm i kind of i don't i've had women on my show that are battered but trying to you know i guess uh

put all that trauma behind them and it's tough it's real tough thing it still goes on today but I lived it so I know what it's like my father he died while I was in prison and I didn't really cry so right I did a little I did a little could I you know I made I made some amends with him before I went in but he never made amends with me so um so I mean you went to high school were you in trouble trouble were you yeah kind of uh well I didn't get started getting in trouble till after high well I didn't start getting caught till after high school But I started getting into drugs pretty early, smoking pot. And summer of sixth grade, I remember, smoked my first joint.

I didn't really like it. But I used to get beat up a lot when you're living in these neighborhoods. And like I said, very few white kids, you get beat up a lot. But when I started smoking the pot, they all left me alone. I was like one of them. They took everything changed like overnight. So in my mind, I thought, well, if I hang out with these guys who do drugs, I won't get beat up no more, you know?

And I don't know if that's true or not, or maybe it was all in my head, but, uh, you know, are you trying to fit in trying to fit in, trying to fit in. And I eventually did. I eventually did. Were you selling drugs or just buying them? I mean, I'm just buying them. I'm just not even then. I was just people who just give me, give me drug.

You know, when you're 12 or 13, you don't got no money for that. But I think I went to like 11 different schools, um, elementary, junior high schools, because we were always running for my dad. He finally, he finally caught us in, you know, He sold a house and bought a bar, and my mom went right back to him because of that bar. She's an alcoholic. That's like showing up with a big bag of crack. Hey, look what I got, you know.

Right. So, and that lasted a few years until they drank the bar away. And they lost everything again. But, my idea is still in a way to recover. I don't know why people do that. I knew a guy that was a recovering alcoholic who bought a bar. You know, within six months, he's drinking again. And, you know, six months later, the bar is gone.

like why would you have put yourself in that situation to begin with yeah why not back a crack house in a meth lab too if you're if long as you you know um so so you go through high school did you ever get in trouble in high school no no trouble yeah just got more you know more drugs a little cocaine lSD a lot of lsd was my way of escaping uh you know going to grateful dead concerts at like 16 and you know tripping on acid i did that kind of stuff i did that kind of stuff but not not like daily but uh yeah i you know i finally finished high school um but i did i worked at a hotel my first job out was a marriott hotel and kind of been a restaurant in hotels for i don't know good 20 something years um but you know i started getting really

bad into crack cocaine in like the late 90s late 80s i mean so bad that i ended up homeless a couple times and being homeless is what got me to prison. That's another story. But I, you know, I'd work a couple years at different hotels and I've worked my way up to like food and beverage manager and, you know, I was a headshot. How do you go from smoking pot to smoking crack? Gateway drug, is it true? I went from smoking pot to LSD and magic mushrooms and masculine and that kind of stuff. And then in high school, all the kids, would bring these different pills from their older brothers. There was stuff like yellow jackets and Christmas trees and reds and beans and cross tops

and all these different pills we would pop in black beauties and they were kind of like uppers. And I remember I always liked those and it was kind of like the poor man's cocaine. So one day I found out I found somebody who had cocaine and a couple years later somebody told me you could take that cocaine and you can cook it up and it's called Freebase and that was really expensive I only tried it a couple times and crack came out on the market and a friend of my said hey you got to come down to this neighborhood you just pull up any time of the night they'll I don't care if you got $5 $20 you don't got to call the guy first you could set nothing up you just pull drive in your car walk over there they'll sell you this that freebase

it's already made up and everything you just put it right in your pipe and he's smoking I was like wow really you know I was sold because it was hard to get that stuff before before crack came out And then it took me a year or two before you end up homeless and losing everything and, you know, selling your, I mean, I see people literally selling their mother out on the streets and get another hit. It's pretty bad. Um, okay. So how, so how long did that go on for you? Oh, probably 10 years. I went in and out of drug rehabs and homeless three or four times. I didn't stay homeless long. I'd get a job at McDonald's or Jack in the Box, kind of worked my way out. I'd be homeless maybe a month and I'd either go to a shelter or a residential drug and alcohol program. I kind of use those as shelters. So my thing was to lose everything, get desperate so I could get strong again to get

everything back so I could get high again and sabotage it all and go back and just an endless cycle. Yeah. And that went on for 10 years. I mean, so how old were you? at that point. Oh, 30s. I haven't touched crack now. Probably, God, almost 20 years. There's a cure for crack cocaine. All the rehabs and stuff, it's called crystal meth. That got me off the crack. So then 10 years of that. So now I haven't done anything like that in nine, nine, 10 years now, more than that. Yeah, 10 years. But you're not, you weren't selling it.

Never sold it. Never sold. I tried once. And I was, I was, my own best customer. So how does that lead into your, I mean, were you ever arrested for it? Yeah, 11 times. I didn't know how many times I've been to jail, but when they were, when I was getting indicted, they asked me how many times I've been to jail. I said, I don't know, five or six. They said, well, it says you're 11.

We just wanted to check for just little quarter grams, half grams, nothing more than $50 worth of, always a traffic stop. always in a car, going to get something for somebody else, and they're going to give me a little piece of it or something or giving somebody a ride to get something, whoop, getting pulled over. Because the neighborhoods I would go to, when a white guy is driving in a black neighborhood,

they just swoop up on you. I wasn't driving the best cars or anything else. And I lived in the neighborhood, but the cops didn't care. I got pulled over a lot, a lot. And usually you had something on me. So it wouldn't matter if I refused for them to search the car and those neighborhoods they'll just bring the dogs on the car and if the dog waves waves his left paw or wags his tail they say there's a sign and what are you going to take it to

court and throw it against the trained canine officer right and they did find crack yeah oh yeah yeah yeah they'd be different if they didn't find anything yeah I wouldn't be going to court then I wouldn't have to you um all right so so what happens so I mean you're running out of money you're you're getting you're losing jobs you're getting jobs again you're getting you know periodically getting yourself back on your feet yeah i've had really good jobs you know managers and you know i said um head chefs all that but i worked my way up and uh i don't think's go good and i want to celebrate i don't know um it's been an endless cycle i think i kind of broke that cycle because prison i'm going to say probably saved my life because i got off the crack and i got on the

of crystal meth and uh with the stuff i was doing as i haven't got into yet i you know i had plenty of money and i was just always had a bag of crystal meth and every single day i was using that stuff and so bad that i went to the hospital once because my heart and they said they kept me there and they said your blood person is like 240 and i said excuse me yeah they said you what are you doing walking you know and i had never been in a hospital in five 10 years so uh if i didn't stop i was going to die so i kind of thank the feds for that one yeah all right so what were you doing to support your habit toward that got you in trouble at some point i mean well i've just always worked at restaurants and blown my whole paychecks on on drugs but um uh you know i buy some things in

car here and there but what what brought me to prison was uh doing taxes for all those drug addicts and homeless guys that are out on the streets yeah i was kind of smart on computers and stuff so uh you know, a lot of the crimes that you guys talk about on your show, I've done all that, that credit card stuff and check, you know, I did, I, I want to say, dabbled in a few things, you know, a mailbox fishing, you know what that is? Yeah. With the rap paper and a fish line. So how, how, how did you, like, what was the first, like, fraud that you were committing? Bad checks, making phony checks with magnetic ink on a computer and just getting some account number and, you know, recopying the check. And I had other people going into banks to cash it.

But one time a guy was taking a little bit too long and I thought I was outside and I waited too long. And he had already went to that bank like five times he didn't tell me. So red flag went up. And they came, I don't know if he pointed to me or whatever, but they swooped on me and they found like checks that had Mickey Mouse and Donald luck made out to them. Those were my practice checks and that's all they needed. So I got six months on that one in jail. That's the only, that's the only fraud I ever got caught for. I did a lot of credit card fraud and stuff. When you say credit card fraud, what do you mean? Like how did that, how does that? Well, there was a drug dealers that needed a, they would take a,

they had, they had credit card numbers, but they didn't, and they would put them on a different card, right? You know, clone it, not really cloned a card, but I remember they'd give me a lady, A credit card with a lady's picture on it, and they had, like, it would say American Express on the card, but it was a visa card. These guys, I mean, they were thinking stuff through. And they thought a white guy could go into the malls and the stores and stuff, but buy stuff with this card. You know, once you just swipe and you put it back in your pocket. So they were using me for that, and they would give me crack or they would give me, you know, some kind of drugs for it. And it didn't give me much money at all, but they were supporting my drug habit.

And I was kind of being used like a pawn. and that's kind of so you know i started uh the people that they were making those cards for was supposedly the japanese mafia in san francisco was such a thing but i started to get the notice guys and one of the guys kind of taught me what he was doing and i so i then i learned that i could do i could do what he's doing and so i started making my own little credit cards and uh you know i did a little bit nothing big i mean i get enough to you know maybe make three or four hundred bucks in one week just little little little little stuff trying to sell stuff, just enough to support my habit.

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supposed to go bring you back, whatever, 1600 or whatever that comes to. Back then, you get your refund in about seven to 10 days, at least for the. the current year you go back three years on they get refunds if you have it filed see i did people that didn't have a job i mean i was doing drug dealers escorts i put people down as a dog walk or a house cleaner uh the escorts a home and personal care services uh whatever your hustle was if you're stealing copper you know i put you down for recycling uh aluminum cans you know i had a title for everything you know if you're breaking in houses you're doing house cleaning you know what I mean if you're just sitting home at it's sitting at a crack house babysitting

you know but these are guys these are this is their real social security number their real IDs it's really them it's not like they were they going out and getting people and bringing them to you yeah so my deal is so I'm at homeless children and a guy comes comes through one day he comes in and he says hey I'm working for this guy this lawyer and he can get you stimulus money Obama stimulus money did you get your and I go, no, I mean, I never got it. I did it. I filed my taxes and it came on there and he goes, oh, you know how to do that? I go, yeah, I kind of.

And he goes, because I'm gathering people for this guy. And he goes, I got all these, he had like eight or nine out people's tax forms. And he said, if you could do it because this guy ain't paying me shit. And I go, well, let me see those. And they're all the same. It all had $6,500 for income. And I looked at this. And I go, these are all the same.

he just makes copies i mean anybody could do this and i i go i can get more money than this guy's even getting so next he goes well here uh want you to take a couple of these and i'm let's tell the guys let me ask if it's okay because we didn't do anything without somebody's permission i even had him signed affidavits giving their permission to have their social security their driver's license all that stuff for the purposes of taxes because they tried to get me for identity theft and what i kept every every client well want to call them client but every person i ever did i had i had a file so they had to drop a lot of the charges they got me really because i had had their refunds going through a wells fargo bank and they told me uh we're not really here to get you on the taxes you found

all these loopholes and i remember when they were raiding my house they said uh now uh everybody that you've got you got like 800 people and they all made exactly $6,500 that year uh I I don't know how you found them or how they found you. And half of them live at your post office box. That's another thing. And he says, you know, and why do you have to put $6,500? Why don't you put $6.40, 638? Oh, you wanted every dollar.

You couldn't even even even $8 you had to have that, right? I remember them telling me all this, why they're searching the house. So I had a deal. If you tell anybody that if find somebody in any needs their taxes, then never had a job and hasn't filed their taxes, I'll give you $100. bucks right also i'm going to call it 800 number to see if they owe money for child supporter or their or their uh student loans and if that clears and i do a little check to see if they they file before if they get it because you get accepted in 10 minutes after i file it so i gave

everybody 100 bucks the phones were ringing off the hook mat i ended up having three or four uh girls answering phones just writing down people social and date of birth and address and again 50 bucks just to answer the phone and write that stuff down it got off the hook i had to teach people how to do this so i had nine co-defendants at a that many people i mean we did thousands of them i mean it started off with two people that i did and they told two friends and i said i'll give them a hundred bucks got two more friends i'll give me another hundred bucks and i made sure everybody got that hundred bucks uh and it just you know that that refer a friend program it works when you're dealing with all these people on the street and drug addicts you know because i'm getting them five

six thousand dollars they're going to get two or three two or three grand like in 10 days so man they're calling me left the right i got the whole neighborhoods of san francisco all there they're getting this they're getting this on a card right yeah well see back then it's this was 2010 2009 not most of them didn't even have ID right uh they uh didn't there was green dot netspan cards back then but people didn't even have addresses the people i'm dealing with right some did a few mind I had a bank account or a card most of them did not so I would uh at first I would say well you better pay me when this comes right and I stupid me in the beginning I did all three years for them so then they wouldn't pay me for any of them so I just do one year at a time and give me

the money off the first year and then I'll do the other two and and they still were burning me so I opened up a business bank account I went and got a paid tax preparer number I got legit and business uh I got a business license and uh it wasn't hard to do and I went to Wells Fargo because that one guy who I copied this little idea from he was at this Wells Fargo and they told me that

yeah we won't have a problem with your other people's tax returns coming through here as long if there's ever a problem you know then we'll have to talk about that and I got to know the guy and he said so you're taking 20% and they get 80

why don't you just let me do the work for you so every week I would give this guy Jose and this guy Edward here's the names I got 27 people this week he'd do the math for me He'd cut the cashier's checks. And in return, I told them to open up a bank account with Wells Fargo. He had a second chance program.

So they'd go down in Wells Fargo. I mean, there'd be, I don't know, sometimes 80 people all lined up at the bank. And they got mad at me because they go, we can't cast all these checks. These people want their checks cast. We don't have that much money in the bank. So that got to be a problem. So then the manager of the bank got in on a deal. He started referring me to people.

And when I kind of died, I didn't know something was wrong. here's the thing i didn't know that they so they told me you got to go through a um i when they were raiding my house and stuff and i got you know indicted i said if i don't have the money i go to hr barb i don't have the money for my refund they'll take it out of my refund well spark was doing that for me they go oh no no no see what you're doing is like laundering money you got to go through a government bank it's called santa barber tax group and i said well i'll do that and the guys go we're kind of raiding your house right now a little too late i didn't know about this place i don't even know if they were to let me do it they don't

I only let the big companies do it. But, so all the people at that Wells Fargo Bank got fired, like, you know, five or six years. Well, plus I bought them laptops for Christmas. And I remember they go, we've got to do this in the parking lot. We've got cameras. We're not allowed to take gifts. But at first, the two guys that were the business banker guys that were working with me, they got promoted to like assistant manager.

One guy was manager and the manager got promoted to a general manager. Because all those people they did opened up banking. accounts. So, you know, they're looking good. Yeah, I mean, they had that program where, uh, they were getting people to open up bank accounts because they were getting fees and they were in the more bank counts you had, the more fees they could charge and. Sure. Sure. Um, okay. Uh, I mean, did you have any idea? Like, how long did this go on? About a year before they raided the house. Um, you know, I told you I was in a homeless

shelter. I started doing this, man, within two weeks, I'm, I'm renting a motel with this other guy, Joel, when we each got her own room. And then I started, I mean, the money started coming in before I knew. I bought a car within three weeks. My little 20% was, you know, I don't know. I get people about $8,000. So, you know, $1,500 a person. But, I mean, I've done thousands.

I mean, I don't want to say too much, but I'm off probation. I think they've got me. But a lot of them I did before I opened up the bank account. But I even paid rent on a house a year in advance. The PG&E, that's the power company. I gave them a check for $5,000. I wanted to cover my ass. So in case anything happened, at least I got a place for a year.

When they did raid my house, like 30 cars up and down the block and black SUVs, I think they were. It was the Treasury Department. You familiar with those guys? No. No, no, mine was FBI Secret Service. Oh, okay. Well, that's the Treasury came to my house. they had been watching me and you know watching my internet and tapping my phone all my little I thought I was just paranoid from too much drugs but no there was a silver owl in the tree and the head used to spin I thought I know somebody's watched me they told me yeah that was us too all you all the little things that you were paranoid about they were true they were listening on my phone they were watching me through the computer yeah they'd been watching me for about three months and then they I thought

I was so legal that I kept all the money in the bank and they froze everything. Yeah, but, okay, so, but you know what you're doing is illegal. Yeah, but I got the Wells Fargo Bank. I'm walking in the bank and, you know, they're telling me, oh, Mr. Calgill are coming up to me here. What can we do? They're kissing my ass. And I'm thinking. But they work for the IRS.

I know. And, you know, I didn't research it. You had a business permit, paid, you know, I even went and took a little test at the county. uh for for paid tax preparer for like next year and i i thought it was legal i knew it was like too easy you know these little loopholes i found but you know these guys really didn't have jobs but um you know in my mind you know well they came up with money that year i mean it was selling drugs or you know escorting or you know whatever robin houses was stealing copper and you know catallac converters or whatever but i mean still he didn't want to pay their taxes for that i'm just

helping the government i'm you know my head was, I thought it was Robin Hood, still from the rich, which is the government, and give to the poor, which is the drug addicts, right? That's all. So when they come in, they raid you, did they arrest you? I got a, no, I got a call from, I told you had nine other people. One guy called me and they said, hey, they're here right in my house,

and I think they're going to hit you next. They've already hit, what, the mics and Joe's and Davids and Sarah's. I was the last house. They did nine houses in one day. They had different, you know, parties doing this. They didn't get to my house to about 3 o'clock in the afternoon. So I already knew they were coming. And here I still held my ground.

I thought, you know, they got nothing on me. I even had a sign. IRS, start right here. Here's the pile. Here's all my files. Number two, start here. This is what you guys are going to need here for evidence. And still, you know, I thought it was missed.

I was kind of turned into a pompous little asshole. I thought they had nothing on me. So. I was wrong. I'm saying did they arrest you? No, they made me stay in the garage. They said, we're going to be in your house for a while. We need your keys.

They have me turn over the keys. They said, you can go. You're not taking your car. And we need your wallet and your phone. But you can go and maybe eight hours will be done. Or you can stay here. So I stayed there. And it kept me in my garage.

And they just kept coming out with evidence. There two agents would watch me and they'd come out with evidence from the office. Well, what's this? What's this, what's this here? What's this here? And they just kept coming out like, I don't play with my mind. Maybe I should have walked. But David told me we're not here to arrest you. We're just here to seize evidence. Did they take your car? They wanted to, but I bought it before I started doing this crime because they found the pink slip and they, oh, he owned this for three years already. So I bought it before. It's a $500 car. They didn't know about another one that was in my girlfriend. name so they didn't get that one we had moved that that day um and my girlfriend was at a

safeway store and um uh sitting in her car doing a scratch off and uh undercovers came and got her i had a friend that was staying in one of the rooms they found him at a uh what was he's at a bowling alley or something outside of his car they they've been falling all these people uh they made uh they didn't rest anybody out of all the nine people they just grabbed all I mean, they took my TV. They took a, it was almost Christmas time. And I remember they took all the Christmas presents that were under the tree. My girlfriend, I just bought her son, like an Xbox.

They took everything. My widescreen TV off the wall, all the computers. They basically left the furniture. You know, they took everything. So what happened? Do you get a lawyer? Did you just kick back? Oh, I still, they froze on my bank accounts, but I had maybe 15,000 bucks and loose money kind of.

So I did go to a lawyer that cost $5,000 just to answer some questions, really. They said the lawyer, it was a lady. She said, well, I know, like, you know what the lawyers, I guess they learn us in law school. Oh, I know the DA. I know the district attorney. I know the prosecutor. I mean, they're all, they all know them. My brother-in-law is married to the sister of the judge.

Don't worry, I know everybody. Well, that's all great. What does that do for me? So they, she used that spiel on me, you know, oh, I know everybody. Well, of course they do. They all drinking a bar together and all that. But I gave her $5,000, and basically all she did was call it the treasury and tell him, hey, I'm representing Mr. Cowgill.

If you need to talk to him, you're going to go through me now. And she said, they're going to probably indict you. It could be a year. It could be six months. And that's really all she did. And by the time, it was a year. By the time the year came by, she called me. She went to answer my calls the whole time.

I could call her, like, maybe. me every three months she said i could call or two months to check in and see if anything happened she'd always say no news is good news so the day i get died and she calls me says you got to show up the court they're going to sign you out on a bond and i'm not going to represent you anymore unless you have 75 000 i had nothing and uh that year i paid for the house i remember i said i paid a year ahead on the rent uh that year went buying and i paid another rent right before they came so i had two years paid in advance on the house otherwise I said I would have been asked out homeless, which I ended up being almost after I got indicted

because the landlord evicted me as soon as that little deal was up and he knew about the the raid on the house and everything. They got rid of me soon that they sent me on a victim notice and I tried to sell some of the furniture I had in there. I had all these friends when I had the money and the drugs, they're gone. Next to you know, man, I'm sitting in a, I go get a guided and they told me I got a court in two each. I'm sitting in a park homeless again. I just got a little backpack with some pictures of my family members that aren't even alive anymore, some clothes, some underwear. Nothing, man. I got a

cell phone that's got like 5% power left on it. I remember because I got a text about going. I had to be at court in the morning and they said there was an emergency pretrial wanted to see me in court. anyways i didn't go um i had no money to get there and if i did i at that point i i just wasn't going to go i was going to go on the run with what i don't know i just uh so i had warrants out for me now and uh hadn't even started really the indictment process but uh they i ended up turning myself in a couple weeks later and uh they let me do a get out of jail and do a drug program right program and then i had to stay in sober living houses the whole time until i got which was four years until like four years before you got sentenced yeah and before that it was a year

before when they raided my house that's five years their life on hold but you know I needed a I slipped one time on the drugs and they maybe do another program a 90 day program and uh but then after that I haven't done it I've been good I've been a good boy as far as that goes so what happened like ultimately you get like a letter or they called you or they just come pick you up when I was out on bond you're what you said it was took four years before you got what sentenced four years on pretrial right five years would be count when you first before you get indicted and I mean pre pre trial had me pissing in a cup three four times a week sometimes I pissed in that cup for us that was back in 2011 it's I got raided in 2011 2012 I started

pre-trial. It's 2023 now. I'm standing there 12 years and I only did really three months, three years in the prison. So for 12 years they've owned me though. Right. Well, I'm saying like when you they send you a letter or something

saying hey, can you know, you know, you knew hey I got to show up at this time. I'm going to plead guilty. Oh, as far as that was. What did the lawyer say? Like what happened? They kept putting it off because they wanted to make sure I went last. So I had nine co-defendant. minutes. By the way, five went to prison. The other four, you know, you figure it out. You know,

they made their deals. One was my, uh, fiance at the time. And, uh, she wore a wire. She told me, she called me, like, I don't know, a couple days after she wore a wire on me, after I'd already take the, uh, responsibility, you know, where he's, she's at the table and you basically tell on yourself. Did you do that? Yeah. To get the two points off. So, uh, I told her, hey, they've already got everything on me. You know, I told her, I was kind of mad, but it wasn't mad. I said, you know, you do what you got to do. And they got everything on me.

If you didn't meet me, you wouldn't be looking at prison time right now. Right. That's how I felt about it. A friend of mine said, well, she was on drugs, too. She was going to go to prison. I don't know if she was going to go to prison. So I can't say that, but I felt it was my kind of fault that I brought her along with it. I got her, started doing her own tax business.

it was called she file her and her girlfriend and they started their own business and she kept doing the business after she got indicted she didn't care she ended up getting 29 months right and that's after she whatever deals she made uh i think whatever ever did when she wore the wire and stuff they already had everything on me i don't know what else they were looking for i know they were looking for money that i had hidden i wish i would have known in advance i would have took it all out but You know as well as I do. You can't just go to the bank and say, give me $100,000. Right.

Well, so they gave you a lawyer. A court-appointed one. Now, I went through four of those because there was always a conflict of interest with the nine co-defendants. One knows this guy and this guy's that day. And one, you know, and there was the public defender's office. I started with them and then they gave me a quarter-appointed lawyer. And then they apparently one of my co-defendants got assigned to that. that lawyer as well but it was a different it wasn't on the same ticket you know there was three

of us on one ticket and then the other remaining six had their own little court tickets and i'm tickets not the right word but a case number and stuff right and then they separate all three of us and then we went on our own um it was going to be some joint thing but they decided i had a leadership role which they dropped at the very end and they just charged me with wire fraud I don't know why they dropped the leadership role, but I'm glad they did. It probably was looking at more time. But so I knew when I was going to get sentenced. You know, and that's where our dad Dan came in and Walt Pablo.

Do you know him, Walt Pablo? Yeah. Yeah, you do because he's been on the show. Of course you do. So those guys helped me out. I had no money to pay him and they helped me out. You know, Walt put $100 on my books every single month. Never missed a month.

Nice. Yeah. But he really helped me. He wrote me letters. He'd take my phone calls from prison. You know, we still talk. And, uh, I mean, those guys inspired me to start the channel and to help other people, you know, um, because I, I, for years, I just took phone calls and I help write letters to the courts and stuff for guys. And I, you know, I wasn't charging money or anything.

I just wanted to, you know, pay it all forward, you know. So, so how much time did you end up, uh, getting? 52 month sentence. I got it, I got it reduced. I was category, my criminal charge. like i was category four you know on the one through six criminal criminal um history yes i was i was category four because i've been arrested 11 times for you know just a little little like i said twenty dollars worth of drugs but that gave me a category four but the judge dropped which from

four to one because i did a lot while i was on pretrial you know i i i wanted two residential drug programs i live in sober living houses i was feeding homeless on friday nights we'd go uh in a in a van with this church group and we handed out blankets and food and everything and i volunteered at alcoholics anonymous at their main central office i was cleaning their toilets and bathrooms and answering their phones and stuff like that i did a whole lot of other stuff i was cooking uh for a uh residential drug program for free for well for room and board they gave me a little bed to stay in but i you know i worked like 40 hours a week with no for no paycheck so i did a whole lot of stuff to impress the judge that I was, you know, trying to change my ways.

And she said, that's what she told me. And she went from category four to category one. And I went from 96 months to 52. So it was the low end. It was 51 to 70 when you got to category one on my, my points were 24 on the, you know, the numbers. So I still didn't know if I was going to a camp. When I got my paperwork, I got sentenced.

They told me I have 60 days in term. myself into self-surrender and R-Dap Dan and Wal-Pabla helped me get the R-Dap out of the way, you know, on my PSR, so I knew I was going to do R-DAP, but I didn't know where it was going. My paperwork said, FCI Florence, and I found out now that all the camps are connected to a bigger prison, that's kind of the headquarters, and that's like the hotel that you check into, and then they'll escort you over to the camp. So anybody that's going to camp, if it says FCI, someone, you're not going to the FSA. Yeah, you're going to the camp, but that's the headquarters.

So even my lawyer didn't know that. You know that I called him, he didn't know. The lawyer I had at the end, the fourth lawyer, he was a prick. I remember I called him up and said, this paperwork tells me I can go straight to the camp, but I don't know about the FCI. It doesn't matter. You got to turn yourself into the marshals. I said, no, I'm supposed to self-surrender the camp.

and I think Ardab Dan called up my lawyer and he got pissed he called me back and he says who's this guy telling me you tell me my business right you call me one more time if anything back he said you're going to turn yourself into the marshals and you're going goddamn FCI and leave me alone everything you said was wrong that's lawyers for you yeah well um yeah you get pricks in you know every profession but a lot of lawyers can definitely be assholes um so all right so you went to the what went to the camp and you know what happened you you got there the first day yeah that was surreal man you know you can you can prepare all you want for four years you know were you locked up during your pre-trial or were you out you're probably locked up

right well locked up yeah of course it's different on the outside you you know that four different lawyers they're telling you probation one week then they're telling you 12 years the next week and you know a year goes by two years goes three years goes by nobody's believing that you're going in prison anymore oh you just you're on you're on probation man no i'm on pretrial yeah whatever pretrial probate they don't they don't know and they think since you've been going to court for three years why would they lock you up now you've been doing good you don't get it guys one day i'm going in prison and nobody you said nobody believe me i called people up from the prison are you happy now i'm in prison you were wrong but uh you know you got

to be like that um but that first day i remember i had a friend in colorado colorado springs he lived nearby and i i stayed with him a couple nights i took a grey humbus up there and uh he drove me to prison in the morning got there about 830 9 in the morning uh i'm supposed to turn myself in at noon but i was told if you get there a little early they'll process you in and out and uh wal pablo told me that he says the day you leave you're going to leave at 6 a.m so you'll get the hours back but if you show up at noon like it says they're doing a guard change it's lunch hour you may be thrown in the shoe across the street or something until you know they're ready to take you into the camp but if you go

early you'll be in and out and he was right about 30 minutes i was processed change dressed out but i remember he dropped me off there's a there's a there's a gate a little booth with a thing that goes up and down and we drive up to the gate and uh and i tell the the officer in the gate i'm here to turn myself in. I have to self-srender. He says, well, you can get out of the car, just wait by the side of the road, and we'll call somebody. And they wouldn't let us in any more part of the prison. So I said my goodbyes to my friend. He took off, and I'm standing there at the gate. And a little white pickup truck pulled up. And I said, that can't be for me. A lady grows down the window. She can't get on in. You're here self-srendered, right? You're Mr. Palgill. I go, yeah,

she goes, I get in. And I get in. I remember the first thing, do I have to put my seat on? No, we're just going to the camp. Don't worry about. She's really nice. and we go up there and she goes yeah just get out of the car we're coming to the side door here you know we'll get you checked in and said am I going to the camp she goes yeah what did you think I said

paperwork says FCI she's no you're going to the camp man she goes and I go you're not like I don't have handcuffs and she was man this is the camp relax she says it's going to be fine this is my first impression I'm I'm tripping so she opens up the door

and she goes there's some chairs there just have a seat somebody would be with you an inmate comes up on i remember it was a black guy and he's talking he said in prison i didn't know politics i just been watching you know shawshake redemption and you know escape from alcatraz and oz and all this stuff all my life and even though i did camps were like cupcakes i was scared shitless man yeah a black guy comes up in me he goes he gives me a clipboard and he goes hey whatever is my name's later how you do i go i'm doing all right i can talk to you and he goes what do

you mean you can talk to me i go you know i'm white he goes hey this is a camp again it's a camp so i had to fill out some information and he says you hungry and i go sure he brings me at lunch and it's it's like salami and turkey on like on a hokey roll and i'm all no ballooning sandwich he goes man we've got it good here and then the guard comes down and he's hey man i got i get her dress you out and get you in and so he says you take out your clothes he goes you know you got to bend over cough and he was really nice and he goes down what do you want me do with these clothes send him home or i don't know i don't really have a home he says okay we'll just donate him and he says their shoes look okay though i think you wear those he grabs him and he goes hey yeah put

him on i mean i'm gonna shove drugs and who knows uh he was too nice everybody who's too damn nice uh and i'm going something's wrong here man that it can't be like this and and it pretty much was except for the ceos that like to do shakedowns the lockdowns or remind you that you're in prison but when you're dealing with the staff at a camp the administration the doctors and you know educators and stuff like that the chaplains we treat you just like a person it was kind of like that the whole time at camp if you treat them you know with respect and dignity that you get it back because at a camp we don't have a fence there's just an out-of-bound sign so any contraband

that comes in there we don't use the staff we don't use the guards or the COs they know they're going home that night they're not they're not they're family's not going to get threatened, you know, they're not going to get manipulated. The inmates do all that. So, you know, they treat you back. They treat you like that. And plus it's kind of nonviolent people. I'm sure some of them had a share of violence. They're not there because of that, though. Bent is the story of John J. Boziak's phenomenal life of crime. Inked from head to toe, with an addiction to strippers and fast Cadillacs, Boziac was not your typical computer geek. He was, however, one of the most cunning scammers, counterfeiters, identity thieves, and

escape artists alive, and a major thorn in the side of the U.S. Secret Service as they fought a war on cyberprime. With a savant-like ability to circumvent banking security and stay one step ahead of law enforcement, Boziak made millions of dollars in the international cyber underworld with the help of the Chinese and the Russians. Then, leaving nothing but a John Doe warrant and a cleaned-out bank account in his wake, he vanished. Boziak's stranger-than-fiction tale of ingenious scams and impossible escapes, of brazen run-ins with the law and secret desires to straighten out and settle down, makes his story a true crime con game that will keep you guessing.

Bent. How a homeless teen became one of the cybercrime industry's most prolific counterfeiters. Available now on Amazon and Audible. I know at a low, it's a little different. You were at the medium. The politics. little different right yeah but i mean i's nothing that had like that stuff the nice thing is is you know you're either participating in it and you're not and i just don't participate in anything

i just you know i had a job and you know you when i went to the medium really the medium and the low like you're i'm a white collar guy a white white white collar guy yeah yeah who's college educated who speaks well and so you know you become kind of an authority where they don't want to mess with you because they might need you to hey can you read over my paperwork can you help me write something

can you help me figure out how to do this can you teach a course can you can I ask you a question so you know you're you're like a non enemy combatant in a war zone like there's people shooting each other or stabbing each other and getting into fights but that's nothing to do with me

you're just, I'm just walking through the, the middle of it, and they all kind of just move around me. And, you know, they're not interested in having a problem with, with me because that guy's got nothing to do with what we got going on. So, you know, that was three years at the medium. And then when I went to the camp, it was pretty much the same thing at the camp, except it's a better, it's a less violent crowd. Although, when I went to the low, when I went to the low, when I went from the medium to the low, I meant. When I went from the medium to the low, like the low is a less violent crowd but it's funny because people got they were still stab at each other there they were it just wasn't as frequent or as i want to say as brutal but be honest i saw some really bloody

stuff at the at the low but it just didn't happen as much yeah we had to bloody stuff in the camp too but usually gambling debts or drug debts or something yeah it's stuff that you brought on yourself like it's not like random fights well that's not true at the um at the low one time This guy attacked another guy. It was actually comical. So this, I mean, the way it worked out, like this guy had snitched. So there was, these two guys were in the same case, and this guy snitched on this guy. So this guy goes away for like 15 years.

This guy gets like three years. Goes to, gets out, catches another charge, gets himself like whatever. 7, 8, 9, 10 years, goes back to prison. But when he gets there, they ask, have you cooperated again? anybody he said no because on that case he hadn't so he wasn't understanding that they're saying look is there somebody in this prison that might want to hurt you yeah and so he was what but they'd say what they said have you do you have our separatise on anybody have you cooperated against anybody he was like oh no I didn't cooperate against anybody on that case so they put him on the yard well this guy who's still doing time

for the first sentence first crime sees him and goes and like gets a it gets like a lock you know gets a lock and a sock and ties it around his arm his wrist and comes up and then finds him in the rec yard and just brow brow brow just beats the hell out of him beats him bloody and the guy you know of course he's sitting there like you know he had he had no clue that hey yeah that guy from seven eight years ago that you cooperated against is still doing that time so you know to him that was like oh that's long gone No, not for him, and it's not. So anyway, yeah, so you saw stuff like that that would happen.

People would. I did. The Pisces kind of run the camp. You know, you know what the Pisces is, right? I don't know if they have them in Florida. Yeah, they have them, but, you know, it's like, you know, run, like, I don't know, even, you know, at a low, like, it's basically like, these guys are associated with this gang. These guys are associated with that one. But I just didn't pay attention to any of that.

That has nothing to do with me. um and so i never went to a camp i'm sure it's even there's even less of that at the camp oh yeah there's less of that when i said they run the camp i mean they're like they're like you want something from outside you go talk to a pisa he'll have it here in two days you know what i mean they're they're running the it's a business they're not really they have their meetings i've never you can't go in they'll take over a tv room and they'll have some two guys at the door you know and i've been told by some of my friends now that we're out you know they're beating the fuck out of somebody in there for whatever reason whatever they did you know but they handle

their own um you don't they keep it out of the eyes of anybody so you don't really know what's going on and that and that's about as deep as it goes all everybody else is just freelancers i mean probably 20% is white collar most of it's drug mules or uh you know uh higher ups that got there you know they're there for conspiracy or rico act because they were three cars two mercedes and no job So they can't get them on anything to stick. So they use that conspiracy that the feds were famous for, you know. So you did, so you did like what, three years? Yeah, it was 52 months.

I actually, I did the R-Dab. That took a year off. And then they give you six months halfway house. And the first act was just starting then, so I didn't get any credit for that. Plus you had a good time. I got my good time. I did 26 months at the camp. and then six months halfway house and then you start your probation a lot of people don't know when

you're in a half house you're still an in me you're just there yeah yeah that's why whenever people that's why i always say 13 years because i was in the halfway house for seven months and to be honest with you i'd have rather been in prison i've a lot of people feel that way um i i you know i had no money or anything other than what mat wall pablo gave me 100 bucks a month and they started taking that for my restitution so i kind of needed the job and uh i got a job washing dishes uh 19 bucks an hour in san francisco uh at st anthony's dining room and it was just like working uh the chow hall you know washing the dishes there with the same machine same kind of trays nothing changes but i'm getting 19 bucks an hour you know yeah i mean it's the same way like

i'm glad i went to the halfway house like i would have rather stayed in prison but i'm glad i went because i needed to get a job and save some money yeah so it but it was it was worse being at the halfway house than it was being in and oh yeah ours was horrible it was three stories at about 400 people live there uh i don't know how many joan was registered child molesters were in about 40 because we looked up on the phone one day and uh some girl me and some girls were talking and they said oh i didn't know they're here and they went to go talk to the management of the halfway house and they uh said if you bring that up one more time you're going back to prison yeah and they're so we don't we don't feel safe here you know well don't go back to prison

you know i was going to say but i mean plus not just that like their child their their their child molesters so you're an adult woman you're fine yeah at your age you're okay um so so you did that you got out where'd you go when you left halfway house uh i was in san francisco so uh my probation office came to visit me and uh that's sober living kind of a place that i was on during pre-trial I've been writing them letters and stuff, so they had a place for me. So I went to stay with them, and it was in Oakland, which wasn't bad for me, because I already knew everybody there. And I continued that job, dishwashing.

They had a drug program down the street, and they actually gave me a job cooking for $24 an hour. Then the pandemic hit, and, you know, they closed that place down, and for about a year and a half, I was just collecting $600 a month unemployment, like a lot of people were doing And, you know, I was kind of happy to see the whole world on lockdown because I've been on lockdown and now it's your turn, man. You know, so. All right. Well, what happened then? I mean, you, now what are you doing?

Like, you started a YouTube channel. Yeah, I started that at the Sober Living House. And I just wanted to do a couple videos about my first day in prison, you know, and I started getting comments. And I put my phone number up there. Anybody needed help. And it's just been going ever since. I just been doing one after another. And one day I get a call from a lady here in New Mexico.

And a friend of mine was doing community service there that I did time with. Apparently, New Mexico, the feds make everybody do at least 100 hours of community service when you get out of prison, regardless if it's state prison or federal prison. I didn't have to do that, but they do it here at their halfway house. So he told this lady to watch my show. and she started watching and I get a call from her one day and she said I've been watching the show and Tom says he knows you he has the time together and she says would you like to come on my Facebook thing she does a Facebook show and talk about you know what your you know your experiences I did

that then I had her on my show a couple months go by I'm talking to her back and forth then she offers me a job in New Mexico I said well I'm still on probation she said I think you can make a difference out here. She said, I know probation here. I'll call your probation. She worked it all out. And probation gave me a transfer. And when she, she actually, they actually helped pay for the, I'm in an apartment now. I pay 800 bucks a month. Where I was living, I was paid $950 a month to share a room with three other guys in a house, you know, in Oakland. One refrigerator. We had eight guys in a two-bedroom place uh you know it's it's so expensive out there in a bear you're never going to get ahead unless you're uh you know working as a in the tech industry or something

and i do have a college education man i forgot to mention that all those jobs i was going to college part-time so uh i got an aa degree in uh in advertising and marketing and then i took i got another one in broadcasting uh and i went to columbia school of broadcasting but none of that ever I never pursued it. So this YouTube channel is probably the closest thing I got me. I don't know. I've been watching, listening to Talk Radio since I was about 12 years old, you know, all the right wing stuff, even some of the left wing and Art Bell and all that,

and always wanted to be a talk show host. And I guess he took going to prison. I guess I'm kind of like that. But, you know, I don't know. So that's where I, I, i don't know where i'm going with that but uh i've lost now i'm stuck uh the youtube channel you start the youtube channel you thought hey it might be a good fit for you and you've been putting up videos yeah and uh you know i've interviewed people before they go in in prison now i've

probably 10 guys have come out of prison and i interviewed you know and uh i'm making i'm making people call me and they just said you i've been watching your videos and i kind of thank you i get two or three a day match sometimes five nothing more than five nothing more than i can't handle but they're every day i mean i know this one's the phone's been ringing here and i see it's it's a it's a there's a text that says something about watching youtube video and uh i get them all the time man and they just say that i'm they can get through this pretrial now or people that got out of prison they said you know uh my wife always want to know it's like a prison we watch your channel and you know i just get them all and it makes me a purpose in life now i feel

like, hey, I helped somebody else out. I made a difference in somebody else's life. So I'm 59 years old, Matt. You know, I'm still, I used to think I'm all washed up, been to prison, jail 11 times, right? Eviction, you know, car repossessed, all this bad credit. I mean, who would want, you know, what good am I to the world? Well, I think I'm finding that out now when I get these calls every day. If I have a bad day or a bad week, man, I just talk to these people and it just makes a difference man right and you know i've been writing character reference letters for them and helping them get into programs anything i could do kind of the stuff ardaft dan does and they do that for a couple years and our dad dan told me you know you you just start charging for this

stuff and i said man i'm not going to charge what you guys charged but i've been hearing it so i started doing out a few oh four months ago i've had uh nine clients now so i'm helping guys out at a fraction of the cost but uh it's a lot of work but uh so i i was i switched from full-time to part-time at Wings for Live, the CEO and founder has been asked to step aside of what from her organization that she founded. Since now she's a 501C, so is that correct? So she used to be a ministry. She switched to the 511C to get government money and stuff. So what we're hearing, I had to go in front of the board two weeks ago and everybody kind of told their story because I actually quit about a month ago because she was,

yelling and screaming at me and belittling me and it been going on every day and there was at least 14 people that felt the same way everybody kind of quit on her and uh she'd become like a hitler it's her way or the highway and then we found out she tells everyone she's poor so now we're finding out she owns hotels apartments there's three million dollars missing that the government the organization you work for yeah so the board has asked her to step aside if she doesn't they're going to bring up criminal charges so now i'm going i'm going back so i haven't been with them for probably a month and a half now uh it's a long story that day uh i had it up to hear with her and i just she yelled and screamed at me for not putting a comma after the word albert i mean yelled

the screen at me in front of everybody like like i burned down her house and i'm not the first person she's done it to and you know that was she was making us work weekends and doing these events and charity things uh for free and if we didn't show up then we were going to get fired so it got pretty bad so and when 14 other people showed up at this board meeting i said wow i didn't know they were all feeling the same way so it there's a big changes a friend of mine who i did time with i got him a job there he's going to be the new director and he's from florence so i'm happy for him he's a real smart guy he's been to mit and all that but he made his mistakes that got him into prison but now he's you know so we're going to reboot this wings for life and give it a new brand

and now we finally get to use our ideas. This lady wouldn't take anybody else's ideas. So anyways, I hope she doesn't watch this. Anyway, I don't want her to retaliate. I got a whole neighborhood, the tenderland of San Francisco and most of East Oakland, all money back. You know, so I think we probably did, oh, 2,000 tax returns for people. And each one of those was going back three years. So that's 2,000 homeless drug addict to have.

money that year they were they were living a lot you know most of them spent it all in three days i mean you're you're doing god's work you help you're just helping poor people yeah i'm a lot help most of them i mean drug dealers are bringing their customers to me because they know they're going to spend the money back with them yeah it's just about people helping people yeah i mean some of them actually you know used that money to come up you bought a car got got you know first last months ran on a place um you know some of them some of them did do they used the money wisely But most of them, nah, they just blew it, had a good time. You know, bought new rims for their car or something, gold chains, whatever.

A lot of them, they told me I did help them out. But now I'm really trying to help people legally, legally. I mean, they broke in the law. They're going to prison, but the legal end. All right, I feel like we're at the end of our rope here. Hey, if you like the video, do me a favor and hit the subscribe button, hit the bell so you get notified of videos like this. Leave me a message in the comment section, and I will return them. If you want to email me, my email address is in the description box.

Colby will leave the link to Sean's YouTube channel in the description box. Thank you very much. I appreciate you guys watching. Buried by the U.S. government and ignored by the national media, this is the story they don't want you to know. When Frank Amadeo met with President George W. Bush at the White House to discuss NATO operations in Afghanistan, no one knew that he'd already embezzled nearly $200 million from the federal government. government, money he intended to use to bankroll his plan to take over the world. From Amadeo's global headquarters in the shadow of Florida's Disney World, with a nearly

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Shrinker sits down with true crime writer, Matthew B. Cox, a fellow inmate serving time for bank fraud. lays out the details, the disgruntled clients who persecuted him for unanticipated market losses, the affair that ruined his marriage, and the treachery of his scorned wife, the woman who framed him for securities fraud, leaving him no choice but to make a bogus distress call and plunge from his multi-million dollar private aircraft in the dead of night. The $11.1 million in life insurance, the missing $1.5 million in gold. The fact is, Shrinker wants you to think he's innocent. The problem is, Cox knows Shrinker's a pathological liar and his stories of fabrication. As Cox subtly coaxes, cajoles, and yes, Khan's Shrinker into revealing his deceptions,

his stranger-than-fiction life of lies slowly unravels. This is the story Shrinker didn't want you to know. Bailout, The Life and Lies of Marcus Shrinker, available now on Barnes & Noble, Etsy, and Audible. Matthew B. Cox is a con man. Incarcerated in the Federal Bureau of Prisons for a variety of bank fraud-related scams. Despite not having a drug problem, Cox inexplicably ends up in the prison's residential drug abuse program, known as ARDAP. A drug program in name only. Ardap is an invasive behavior modification therapy, specifically designed to correct the cognitive thinking errors associated with criminal behavior.

The program is a non-fiction dark comedy, which chronicles Cox's side-splitting journey. This first-person account is a fascinating glimpse at the survival-like atmosphere inside of the government-sponsored rehabilitation unit. While navigating the treachery of his backstabbing peers, Cox simultaneously manipulates prison policies and the bumbling staff every step of the way. The program. How a conman survived the Federal Bureau of Prism. Prisons Cult of Ardap.

Available now on Amazon and Audible. If you saw anything you like, links to all the books are in the description box.