Matthew Cox | Inside True Crime Podcast - BandGang Javar’s McDonald’s Credit Card Fraud Scheme

Episode Date: March 15, 2026

BandGang Javar recounts how a troubled childhood and a lucrative credit-card fraud scheme pulled him deep into crime before prison forced him to rethink his path and start turning his knowledge into legitimate business.⁣ ⁣ Javar's links - ⁣ https://www.instagram.com/bgjavar/⁣ https://linktr.ee/bgjavar⁣ ⁣ Do you want to be a guest? Fill out the form https://www.insidetruecrimepodcast.com/apply-to-be-a-guest⁣ ⁣ Get 10% sitewide for a limited time. Just visit https://GhostBed.com/cox and use code COX at checkout. ⁣ ⁣ Send me an email here: [e-mail]⁣ ⁣ Do you extra clips and behind the scenes content?⁣ Subscribe to my Patreon: https://patreon.com/InsideTrueCrime ⁣ ⁣ Check out my Dark Docs YouTube channel here -⁣ https://www.youtube.com/@DarkDocsMatthewCox⁣ ⁣ Follow me on all socials!⁣ Instagram: https://www.instagram.com/insidetruecrime/⁣ TikTok: https://www.tiktok.com/@matthewcoxtruecrime⁣ ⁣ ⁣ Do you want a custom painting done by me? Check out my Etsy Store: https://www.etsy.com/shop/coxpopart⁣ ⁣ Listen to my True Crime Podcasts anywhere: https://anchor.fm/mattcox ⁣ ⁣ Check out my true crime books! ⁣ Shark in the Housing Pool: https://www.amazon.com/dp/B0851KBYCF⁣ Bent: https://www.amazon.com/dp/B0BV4GC7TM⁣ It's Insanity: https://www.amazon.com/dp/B08KFYXKK8⁣ Devil Exposed: https://www.amazon.com/dp/B08TH1WT5G⁣ Devil Exposed (The Abridgment): https://www.amazon.com/dp/1070682438⁣ The Program: https://www.amazon.com/dp/B0858W4G3K⁣ Bailout: https://www.barnesandnoble.com/w/bailout-matthew-cox/1142275402⁣ Dude, Where's My Hand-Grenade?: https://www.amazon.com/dp/B0BXNFHBDF/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1678623676&sr=1-1⁣ ⁣ Checkout my disturbingly twisted satiric novel!⁣ Stranger Danger: https://www.amazon.com/dp/B0BSWQP3WX⁣ ⁣ If you would like to support me directly, I accept donations here:⁣ Paypal: https://www.paypal.me/MattCox69⁣ Cashapp: $coxcon69 Learn more about your ad choices. Visit megaphone.fm/adchoices

I would go to McDonald's, and I could just tell by looking at you, like, you broke. Yeah. You want to get some extra money? You know, you see me driving a nice car. Yeah. A whole lot of money. You're like, yeah, I want to get some money. They'd call me, I'll break down what it is, but they're doing hundreds of thousands of days.

I was thinking I'd give you 50 percent. Like, this is cash. You're getting cash. I was born in Detroit. My daddy, he sold a lot of drugs. He really raised me to be a good kid, and I had such a great childhood until he died. And when he died, you know, because my mama killed him. And I know you're going to be like, how did that happen?

So let me get into it. It was like a domestic violence situation. So it was always like little stuff between them, like they are fighting and whatnot. But, you know, I'm used to seeing that because I'm a kid. And you just become so used to seeing it. When you say fighting, you mean arguing or physically fight? Really both. Like they're arguing domestic, like, you with this, you that, but they also arguing.

and throw this pan that you knock you up side of the head, you know what I'm saying? Not necessarily him throwing the pan, but mostly he hurt throwing the pan, but it was because of something he did. Like, you ain't getting the pan through it for no reason. So this particular day... First of all, how old were you?

I was 11. 11, okay. No, I was 11. I remember I didn't wake up, I was playing the game. My mama called me downstairs. She was like, she yelled my name. You know, you a kid. You're like, huh, maybe you.

maybe I'll just act like she didn't hear it, you know? Yeah. She yelled it again, but then it sounded like something was wrong, so I come downstairs, and she was hammed up against the wall. And then he let her go when he seemed me, like, you know, you're blowing my cover type, you know what I'm saying? So she was mad at me, like, I don't know why either. You know, like, I'm 11.

What do you want me to do? Right. She got a mad at me, like, you know, you go with your daddy then. You know what I'm saying? You want to be on the side. You don't know what it's thing? up for me. I don't even know what I was supposed to do in the situation, but hey. You're 11. He's a grown man. I mean. Yeah. But, so I wouldn't pack my bag,

came back downstairs. They was outside by now. So I go outside. They go wait in the car. I go stand by the car. The door's locked. It was somebody else in the car, but this is like my uncle. He, he wouldn't know nothing. So I'm looking at them arguing, you know, sitting outside the car. She'd throw a pan at him because he said something. I don't remember. what he said. He kind of rolled it off. Like, it kind of hit him, but it didn't hit him, like, not in the head. So he's like, you know how anybody it would be? You hit me with a pan? You know, go up to her to slap her. But as he go up to slap her, she had a knife in the other hand. So she'd going to defend herself, stab him in the chest, in the heart. He'd get to run it down

the driveway, blood everywhere. He's sitting in the car. I remember, like, clear as day, it was a white magnum. But with it being like a white-on-white car, and, like, it's blood everywhere. And his eyes rode in the back of his head, and he's just like, ah, this bitch stabbed me. And then he's just like, you hear, like, the air just come out of his lungs.

But to her credit, she came, she hopped on his lap. She said, go inside. Somebody would come get you. And she drove him to the hospital, sat on his lap, and drove him to the hospital, like, in the car. And I think that's what helped her case,

like when she ended up going to jail for it. but he ended up dying at the hospital. My grandma came and got me from the house. It was very sad, a very sad day for me. I remember, like, as a kid, you just wanted to be something you could do. Like, I'm upstairs like, man, if I could just make a sacrifice to bring you back, I'm upstairs ripping up the stuff like, man, I don't care about none of this, just hope you're all right.

I don't know what that, looking back, what would that do for you now? You know what I'm saying? You're 11. Yeah. But she ended up going to jail for it. They charged her with manslaughter. And then she ended up taking the plea. What happened to you?

Did she get out of jail? Like, you're not just hanging out for six months. I'm in my auntie house. So I got an auntie named T and her son, she got two sons, Lonnie and Darius. I'm staying with them at the moment. I was at my grandma house for a minute, but then they're like, you know, he'd be better off with the other boys. So I went over there. Now, my mama, she was on, like, work release so she could leave.

prison and like work or whatever while she was fighting the case i don't know how they worked out right or maybe i got the time mixed up and that's what her sentence was but whatever however it went i remember seeing her what all the stuff was going on i remember her bond i remember going to bond her out and we had to put up like she had like three houses and we had to put them all up mind you all the houses with some shenanigans my daddy was doing anyway because he used to buy the houses and burn them down to get the insurance money. So, you know. We was already doing some dad was something else, bro.

He was a cold man. He was kind of like on some pimping town because, like, he had had multiple girls and get him all to do the same thing. But looking back, I noticed at the time, I'm not realizing this. You know, I'm over all these girls' houses, talking to their kids. We just all over there. Look at back. He's like, man, cold blood.

And that's what they used to get into it about. Like, you got my son around these other women. like, da-da-da-da-da-da-da. Cote. Your mom took a plea. She took the plea. It was for manslaughter. They only gave her the plea because she was going to put me on the stand to say,

you know, it was domestic violence, it was self-defense, da-da-da-da. Right. And she would have beat the case, but I'm glad she didn't do it and put me on the stand because I didn't even know what was going on. I remember looking back at it, man, my mom had been in jail for life because I was just going to say what really happened. I didn't understand what they was. trying to have me do. Like, I remember the lawyer

sending me down trying to coach me. He wasn't coaching me right. Like, he wasn't saying you need to say this. Yeah, so tell me what happened. Uh-huh. Uh-huh. And, like, yeah, she would have been in jail. But, you know, it ended up working up, working out, you know, because going over there with my cousins, he ended up starting everything else for my life, too. So, and she ended up getting out of jail. So she took a plea and she ended up on some kind of work release, like a probation. She didn't have to go to prison.

Yeah. Okay. So she ended up having a, it was only one year. But she would go to jail at night. And during the day, she'd come out and work. And I get to see her sometimes and all of that too. And I remember one instance while all of that was going on, somebody had broke into the house. And this is what made me and my cousins closer because I was really like a dickhead kid.

I don't know how to really explain it. but I just wasn't pleasant to be around. So this experience, like, it was me and my one cousin Lonnie, not Darius, he wasn't there at the time. And I'm going to call him poop from now. But it was me and Lonnie at the house. Somebody kicked in the door, and then they said police, you know. But we from, being from where were we from, like, it just didn't sound right, didn't feel right.

He grabbed me and said, hey, come on. We go into the other bathroom. It's a bathroom. the basement we hide I hide behind the door he hide behind the shower I remember the people coming coming in the room like yeah I know you all somewhere in here like like ain't no police about to say nothing like that yeah so we just stay hiding eat use his phone called our mama's mom my mom would have left work you know she on work at least anyway ain't supposed to be doing none of this I'm telling them came over there by the time

everybody got there they had already left they stole everything I had a thousand and $1 bills stacked up. Oh, that's gone. How old were you? Probably like 12 at this time. How do you have $1,000 at 12? Because my daddy used to be

like extra like flamboyant. Like he'd come in and throw the money in the sky. Like yeah, dude, you know, just showing out for no reason. Right. That's just how my family is. My uncle do the same thing. Like all the kids, we'd be able to save up money from like these type of shenanigans going on

because everybody's selling dope. Right. So everybody got money and they're just doing people that sell dope things, you know what I'm saying? Yeah. So that lost all of that, started over, but it brought me in my cousin closer, and that changed a lot for me.

From there, it was one of my birthdays, I think, maybe my 12th birthday. My mom bought me a microphone from GameStop. It was like a little $20 cheap microphone, not like nothing this spectacular fancy. I decided, let's start rapping. So I downloaded this software from the internet, and this was back when Lionwire was popping.

We got the beats from Linewire, just other people beats and put it on this software named Go, Wave. It was terrible software, by the way. I don't recommend anybody try that. Start making songs. I thought I was going to be a platinum selling artist. I said, I'm going to drop this, and I remember sitting my whole family down for a meeting.

Like, I caught a meeting about this and said, listen, I'm about to get us out the hood. We're going to sell a million copies. They say, you don't even know a million people. I say, you hate it. I played them the songs. You know, the family tried to be a supporter. That's so nice. You can do it.

Some of them are you can do it. They should never fill my ego like this because I wouldn't try to do it. Filled tremendously. Sold all of nothing. They didn't even buy it before. It was talking. They didn't. even by it but I remember that's how my cousin uh like we'd already began to get close so he

was making music with me too in the basement he had come down there making music with me now getting a little bit older I'm broke daddy gone mama's struggling we living with auntie I'm trying to get a couple dollars so what us doing the music we had needed a music video shot one day we had ordered the video person to come shoot the music didn't show up, spent us. But like my mama always do, came in tremendous fashion for that Christmas. She had got me like a little flip camera for $50. I shot the video on the flip camera.

Edited the video, put it out. Then people started saying, who shot your video? It was me. So now I start charging people to do music videos. So now I'm getting a couple dollars. Now, why I'm getting this couple dollars, my cousins started getting that couple dollars. But they're not shooting music videos. They're doing scams.

And it's two different sets of cousins I got. I got the one I was staying with, Lani and Poo, and then I got Biggs on the other side. So Biggs, they doing jugging. My other cousins, they swiping. What's jugging? Jugging, that's the act of, say I'll make an Instagram page. I say my name on there, Big Money Mike.

Big Money Mike, all he do is post pictures all day, blashing money showing off looking good. So what people are doing? How do you get money? Big money Mike? It's just the nature of humans. Big money, Mike, like, you know, I do the Western Union transfers, you know? At the time it was vanilla reload. But what's going on now, somebody might say like a Western Union.

Like, I do the Western Union transfers, you know. I work up there. If you're Western Union to this name, I add an extra zero on the transfer, send you your cut back. So if you send $500, it's going to be $5,000. when a person come pick it up. Oh, Tom, ain't no big money, Mike. It's just you sending the money to me.

Right. And I picked the money up. That's the end of the game. There's no cut coming back to you. Now, some of my people, they took it a little step further. Like, they dropped the checks in a person's account. Like, yeah, all you got to do, you know, if you got a bank account, I work at the bank, I'm going to put something in your account to make it look like

50,000 pulled up. And then, you know, you send me my cut and da-da-da-da. Oh, that was a whole other level of fraud that was. beyond me at the time. Right. My cousin's doing that. The other ones is swiping. Swiping is the actor, you know, getting the MSR, reading the card through it.

Like we had the little MSRs, like the mini-DX, one, two, three. It's like the size of your thumb, a little black box. Right. What I later ended up doing is having people at McDonald's back cash, and this was what they was doing at the time, too, or not really done until I started doing it. Then they started doing it. So this is the way it works, right? Yeah, this is the way it works.

You get a cashier or somebody who's constantly getting their hands on credit cards to buy something. At McDonald's or Wendy's or Burger King, they work in the back cash, the first window. So when you come to the first window, you pay. They take the credit card swipes through the box real quick, then in the same motion, swiping through the real one.

Right. Hand your car back in the car. They stay stored on this box. It's not charged, it's just stored. So then later down the line, they get a box to me. However many cars, they got, I'll give them $10 a car. So if they got $100, they get it. get a thousand. I take the same hundred cards, go make 10,000 off it doing like a $100 transactions.

Right. Well, let's go back to where you are now. So your cousin, this is what, this is what your cousin is currently doing one set of cousins are doing that. One is running kind of an Instagram scam, right? Yeah. And the Instagram scam, it's funny because you know who got taken by one of these? Who? My wife, listen. And I told her, and she asked me first. She came to me. This was just, It was just silly, but it was Facebook. This was probably a couple of years, about two years ago, maybe a year ago. No, it was about two years ago. She wanted someone to braid her hair.

And she went on Facebook and she saw this woman. And she's like, I mean, she's got a Facebook account, you know, she's been on Facebook for a while. She's got a bunch of pictures of hair and this and that. And she said she'll come over and for, I don't know what it was, 50 bucks, braid your hair. Okay. And I was like, oh, okay. And she said, but she wants me to send her 25 up front for the appointment.

And she says, does that sound right? And I went, a deposit. I was like, I don't know. It's a deposit. I seems okay. And she, I go, I mean, what do you? And she says, well, what if it's a scam? I go, then you lose $25.

And I go, it's $25. That's nothing. She goes, okay. So she does it. She sends her $25. And then she's waiting and waiting, you know, two hours later or four hours later, whatever it was and the chick never shows up. And then when Jess goes to contact her, she's blocked.

And I'm thinking, she's like, how can she do this? Like if I report her and I'm like, yeah, but a lot of people don't report her. And I said, even if you report her, it doesn't mean they're going to take her page down. I said she's probably got 10 pages. If she gets four people a day, five people a day, it's $125 for what? She's posting the same pictures over and over. One plus one equals more of the greatest stories. Hulu on Disney Plus.

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Over again on 15 different accounts They close one account down She does the other one Maybe she'll text people back and keep them going you know, so she can continue to run. I go, it's just scams. She got you for $25.

Most people are not going to do anything for $25. They're not even going to tell Facebook. Yeah. You know? So it's the same kind of thing. Like, that's just what people do. This happened to be Facebook, but, you know, she probably, chick probably has Instagram, all kinds of,

but she's probably just little tiny bits and pieces, but, you know, if it's $150 a day, 200 bucks between all of them, that's a, that's $50,000, $60,000 a year, right? It definitely had to, like, we was making thousands of dollars. a week doing it. So I can only imagine, you know. And you guys were doing it when you were just new. Yeah. Like now that's the better type of scam. Oh, yeah,

of course. It's brand new. Nobody who knows it yet. Yeah. Then girls love booking with celebrity stylists, so if they feel like, you know, this is a deal. She'd do such and such hair, and she only want this. You know, they jump in the Senate 25. She probably get 10 people sent her to 25 a day. So I can only

imagine how much that person making. Then, like you said, more than one page, I had more than one page. I was doing like five pages a day. And then everybody trying to send some money for one thing or another. I mean, I wasn't selling hair, but, you know, I know people that sold phones, shoes. Yeah, but you could sell hair because you ain't doing no hair. Yeah. You could sell whatever I want.

I'm not going to, I'm not doing it. I could sell you glasses. Yeah, $50 for an hour, I'll mail you the glasses. You're never getting your glasses. It's really just you've got to have the imagination to even think of doing the scam. That's all it is the imagination. You could sell Bitcoin. Be like, yeah, I'm Sam Satoshi.

And I get a Bitcoin to your account. somebody's going to fall for it. Yeah. That's what I learned. It's somebody retarded enough to fall for anything. You could sell people their own house. They may buy it from you. Well, so what, so your cousin's doing that?

What'd you call it, junkin? Jugging. Jugging. And then the other one's swiping cards. Yeah, that's what happens at that point? So I remember it was one music video. You know, I started shooting our music video. So I remember I'm coming in thinking I'm doing good.

I got a couple hundred dollars from shooting music videos. everybody in the room just got thousands of dollars. Like, you had zero dollars yesterday. What's going on here? You know what I'm saying? Like somebody has to tell me what's going on. It's no reason everybody in the room got thousands of dollars. And then my cousin ended up telling me like,

man, I really don't want to give it to you, but I'm going to go on here and give it to you. So he showed me how to juke. This was Beeks. Biggs showed me how to juke. How old were you? By then it was, that was like 2013-14 type. I was probably like 16 around or somewhere. Yeah, it seems old enough to realize that this is a, you know, I'm saying?

Lucrative market. Yeah, yeah, that's something I can do. Yeah, so I started doing that, you know, I was in high school, so everything is moving. Like, life is going great. I'm coming to school with thousands of dollars in my pocket. The white buff zone feeling good. life is just amazing. Like women, I didn't have a lot of girlfriends at the time

because I was still lame, like money can't unlam you. So at the time, I'm still lame. It can help. It does help. And it did help. Like, I started having one and two, you know what I'm saying? Like, okay, I'm doing a little something, something moving around. And the rapping has started taking off because we actually get money now.

We can look like what we sound like. So everything is moving all at once. we just getting bigger and bigger. So you started doing Instagram juggling. Instagram juggins. Yeah. I can't say it right. What were you doing?

What I would do, I would make the fake page, so I would make it, I would say a whey on my Instagram jugs. So I would be like Boat Man 23 or Big Money 125, you know, random Instagram names. All I had to do to make people come by was post Photoshop pictures of this. this person who I don't know on Instagram holding it. I just go on Photoshop, not to class in high school on Photoshop. So it's really a blessing that they taught me such criminal things. Yeah.

So Photoshop like a pound of Google images, put it in this man's hand. And then people would be like, yeah, he got the boss. And then to get the people that was targeted advertisements, I would go into like, where's Kleeffa's post and then post like, you know, I got the boss. and then follow all the people from Weiskelepo that follow him. Like, I know these people are interested in weed. So it was like targeted ads for free. Then when they came to my page,

I remember the first one I ever got that I was so amazed that it actually worked. He called me off like a text plus where I was on my text plus. He's like, yeah, man, I'm trying to get a couple pounds from me. I see you doing your thing. You know, woo, it's all I love. I'm in New York. Can you ship them to me? I say, yeah, I can ship them to you.

How many of them you need? He said, I need like 10 of them, but, you know, it's our first time dealing with each other. This ain't, you know, for the price you charge, you know, this petty. I want five of them right now, Western Union of money. I say, cool, I'm about to send you the name. I call it my people, let me Western Union this money to you. They said, for sure. The money come.

The man paid for five pounds up front. How much is a pound? I think I was giving him like a, it was like some random number like $350. But he sent it. Right. And all five of them. This is $1,700, over $1,700. Yeah, it ended up, whatever the math was,

ended up being like $2,500. Okay. It was over $2,000. I don't remember what the actual number was. All right. But he bought them all. So you almost said you were giving him a deal. Yeah.

He felt like he was getting a deal. I wish I could have sent it to him for a real. Right. Later down in life, I actually did, like, opened up grow houses and whatnot. But at the time, you know, I could only imagine if I really had the grow houses, the chugging I would be able to do. Fantastic. So, oh, especially if you could actually send it just a few times, do it for, do it for a month.

Give them a, what is that, it almost be like a rugpole or a, you know, Ponzi scheme, right? Right. People would start being like, man, you got to do this. It's amazing. It's amazing. And then they start flooding in. And then you just yank it out. But, you know, once I could do it for real, it's like, why would I mess up this good business

with somebody that's actually going to pay? And he just wanted a couple fronted. Yeah, I'll front you to them if you actually pay for him. Nah, that's, you know, that's a whole other thing, getting people to actually pay for him, you know. So what happened? So he sent the money. He sent the money. I picked it up.

I was steal. I didn't even have a car yet. Or did I? No, I was so young, I didn't even have a car yet. I called my friend. He a lawyer now. He ended up pulling up of you. taking me to the hood to get the money from my other men's.

And I remember we all sat in the car and they're like, come sit in the car with us, bro. Let me talk to you. I went and sat in. I'm like, why is everybody so quiet in the car? They're like, how did you do this? How did you get somebody to send this much money through Western Union? So I ended up breaking the doubt to him.

I'm like, you know, y'all being a little weird. Why y'all send me down like this to sit down like you're about to kill me and something about to the method? You know what I'm saying? You're like your little bit. the same way y'all gave you the method, I'm going to get you the method. So a couple of people ended up trying to do my method, didn't work out for them. But I ended up enhancing their method too because I knew how to make a website.

So I made the websites for them. So now when they was telling people, yeah, I'll flip your money, you know, I got a system that worked. We had like a website set up to where it looked like we was doing stuff. Right. It didn't really make any sense, like looking back on it. But the people, it made sense. Like, okay. They say on the website, if I do this, I'm going to do this.

It was like a form of legitimacy because not everybody had a website. Other people that was doing and didn't have one. But that ended up stopping because somebody had lost some money and they felt like I took the money or something, but everybody was using the same site.

So like when your money came up, you could just look into it and see, you know, who named this was and all of that. Are they paying through the website? I think they're paying through Western Union. They was, we was doing vanilla reloads at the time.

So I was doing Western Union, but they was doing vanilla relos. So they'd say, like, flip your 500 and the $5,000, send a picture of the vanilla reload card. They had reload cards. So on the back of the car, it's like a code. So they upload, they code to the site, then wait for the money to double on that end, which never doubled with. Right. But I thought it was a website for Bud.

No, that's for me. Oh, okay, okay, okay. For them, they did something different. Oh, okay. So how long did this the so once the guy sent the money then he comes back and says I didn't get anything He was a he was I tried to rerock him. I tried to hit him again like yeah man you know There's a problem with the package sent it again man he cussed me all so bad He said you bitch-ass dig when I catch you up to kill your whole family

So what did you do start another Instagram or you just kept going on start it up with the same one they kept working Until it didn't work and they deleted my page somebody who had to be mad at enough to tell of me but you know yeah yeah somebody at some point went to instagram just screenshot or all this stuff and went to Instagram said hey this is what this guy's doing they'll shut your page down quick and once but this was before it was quick shutdowns like back then it was like a person had to really look at your instagram yeah nah it's just the AI if the AI'd look at it to be like yeah this makes sense it's over it but that's really what slowed down juggin in general too once

the AI got involved it was over it because they could just see the page and be like nobody even had to report you. If you was just, your captions, just said something about cash flipping and doing all of that, it was over with. He said, let me in the caption, over with. Page, deleted, can't get it back. And that forced everybody, like,

in the crew to switch over the swiper. So then, my other cousin, he ended up going to jail. Like, the older one of us, he ended up going to jail with something, he's like, yeah, why I'm locked up, I want you to hold it down with the swiping. He's like, you smart. If I have anybody,

everybody else do it, they're gonna fuck it up, but I trust you. So I'm like, yeah, I got you. You know what I'm saying. Show me what to do. So we had like a whole, like, meeting about this. Like, I'm about to show you. I'm about to show you. And he did show me.

He showed me the site he was buying the cards all. He showed me what the MSR was, which is the magnetic strip reader. Like on that back of every card is a magnetic strip. Yeah. Read the writer. Yeah. It also writes them. Yeah.

So he showed me how to read a card, how to write a card, how to buy the card numbers offline, to write onto the card and where to get the blanks, which was just like stealing it from a Meyer or Walmart, like regular gift cards and then changing them to be like an American Express or whatever. So with that information, he sent me on my first trip with my other cousin.

They going in the store, I'm getting $300 to drive. I'm like, this is great money. I was shooting music videos for $50. I'm getting $300 to drive around the city for one day. So they going in, coming out, bags of gift cards you know I'm not really pocket counting how much money it is or whatever you know I'm just driving okay I end up going with them the next day to turn all the gift cards in this is where they really messed up because I saw how much money came out what it was like

$20,000 over one day of work wait wait so they went to go turn the cards and what yeah what does that mean so what it is in like Detroit it's like check cash and you can go to it's like three man once everybody goes to that without saying the location you would just go up there you go into the back and say you know i got gift cards to turn in i know it sounds crazy to everybody else but it's so normal to us so if you walk in be like you buy gift cards they be like yeah you know come to the back how many you got so if i got do they sell best buys okay so why i get best buys what they won't buy the best buys okay well what they got what do they buy they buy like the master visas oh okay so So if it's like a master card that has $500 on it, you walk in and say, hey, man, I got three master cards.

They're not even in your name. Right. Are they, do the cards actually look like cards or they look like gift cards? They look like gift cards. But with the, so it's a master card, right? Yeah. So those don't even have names on them, do they? Nope.

So you go and here's what I got. And then what do they give you? They check them? Yeah, they check them. Well, what they do? They got a POS in the back. Right. So they just buying air from themselves.

You know, on the screen, I'm sure it looks like somebody is buying something actually, but they just ringing it, ringing it, ringing it, ringing it, and buying nothing. And then they give you 85% and they keep whatever the 15% minus the 3.5% for the transaction fee. They're giving you 85%. I was thinking. But they're doing hundreds of thousands a day. I was thinking I'd give you 50%. Like, this is cash.

You're getting cash. No. If you sold them on the street, you'll get 50. No. And a lot of people do. Like the best buyers you were talking about, 50%. Right. But the master visa is 85.

And so they have some, they probably have multiple companies set up. Yeah. With they've got the, what do you call it? They got the merchant account. Yeah. So they can run it through. So to the merchant, it looks like somebody just bought $492 worth of products or whatever. And they're giving you a chunk of a piece of that.

Okay. And you know, they got real business. So they actually do normal transactions to mix in with it too. Not great. Just like a clothing store or something or? It's a, uh, most of the time it's like a phone store or a check cashing or it might be like a combination of both like. From the very beginning, how does it work?

So from the very beginning, what they do, they go into like a Walmart, Kroger, Meyer, any type of store that sells gift cards. Steel gift cards off the rack. Like it could be any type of card as long as it got the magnetic strip on the back. Right. So when they walk out with that, just like how you were showing me how to, you know, use the reader and the writer. Right.

The cards we bought offline, now we write those onto those. So we take the numbers that were on the card, remove those. And with this machine, it puts the new numbers on the card. This is somebody real credit card information. So you're buying, you're buying that data online. Yeah. Right now. At the time was the risk cater.

Right. But right now, so at this point, you're not having anybody use the MSR device. Right now you're just going online and buying them. What are they? Like three bucks a piece or 10 bucks? 10 bucks piece. It's what it's called a dump or something like that. That is a dump.

It's dumps in CVV. CBV is if you're going to use it online. The dump is you're going to use the Magstrip. Okay. I'm not an astronaut. I don't need an astronaut. Audiences have spoken. Project Hail Mary is an awe-inspiring masterpiece.

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So now you got a card that says MasterCard that has MasterCard information on it. Right. That you can go into a store. Right. And you could go buy a new TV or whatever just because you're going to the point of sale, the POS. and they're like, oh, go ahead and run your card. They don't know, but it looks good.

You can swipe it. We didn't even go to people. We went to self-checkout. Oh, okay. This was right when that was introduced. So instead of going to, like, buy TV, we're going to buy more gift cards with the same gift cards. We're just going to like a Meyer self-checkout, Walmart self-checkout.

Walmart was a little bit more strict, so we had to focus on like a Meyer or Kroger. And there was like little nuances with all of them, like Kroger, you can only do $50 at a time or it would do assistance needed. And then if it's assistance needed, then somebody got to come over and help you. Right. And if they help you, they're like, this don't make sense. Like, what are you buying a gift card with a gift card? Then they flag it.

Don't none of the cards work. So you really want to do like a mire. That way you can just rank up a couple at a time, rip the little piece off the back, scan it, think, scan it, think, scan it, think. Swipe it with the one you then remade with the credit card dated from offline. Right. Pay for it again. Now these are clean money.

Because you can't take the credit card. data even though they look the same because both of them you just stole the same card that you activated yeah but you can't take the one that stolen credit card data and turn that in for cash because on their end it will pop up still as a credit card right and it would end up getting a flagged from disputes right so just to keep everybody above board and keep the system flowing you got to take them the gift cards so you're you're using the You're using the stolen information placed on the gift card to buy new gift cards. And then you're placing money, additional money on that from the gift card.

So it looks like it's gift card money when it swipes. So it can't be, you're basically laundering the money. You're cleaning, you're cleaning that stolen, that stolen money from the dump. So you're cleaning it. So when you go to sell that, there's no way it's going to, it's going to be, like a clawback or what do they call it when it's there's not going to be a fraud alert on that it'll be on the original card this is a clean card does that make sense so well I guess they could do it but it'd be a lot of work for them to do that for what 500 bucks you know because you're clipping

this guy for 500 this one for 500 this one for 500 this one for a thousand and sometimes they do clip but unless they clip it before you get it to the people you're good yeah you're good okay And nothing happens to them either. As far as they're concerned, you took a legitimate card. Because how can MasterCard say you did something wrong? Somebody brought you a MasterCard. So it's on really them because why are you selling stolen MasterCard? You let somebody commit this fraud.

So how is it my fault? It's just like if I open a credit card in your name, go spend it with somebody, they didn't do anything wrong. Right. This is a legitimate card. So back to the Cud. So when I saw them make that much money, And then they came out and one of them said something funny like, yeah, you see, you only made that 300.

We'd have made X amount of like 7,000. No, he had made like two, but my other cousin that made like seven after profit or whatever. And just talking like that, it was over with. I said, I'm about to do it myself. Why would I keep working for you for the 300 and you just tried to home me like this? It's preposterous. So what I did, like he showed me how to buy the big box, like the one you was talking about the MSR. I went and bought the many

because I had it in my mind well, what if I can cut the site out? We don't even know if all these cars are going to work. Sometimes you buy one. It's not fresh. It's not going to work. What if I can get them direct from the source? And I don't know what made me even try this because it's like not knowing if it could work

and he told me not to buy it. I remember. He was mad when it ended up coming. Like, why would you buy that? I told you to buy this. I said, I bought that too. So I started running my own thing on the side. like I said, having the girls at McDonald's Burger King. So what is that? How do you,

how do you go to... Convince them? Yeah, bro, you just don't... You don't go buy a hamburger and say, oh, by the way, could you swipe? No, it is like that. Really? Like, I would go...

This wasn't how I got my first one, but I would do what you said and go to McDonald's, and I could just tell by looking at you, like, you're broke. Yeah. You're hungry. Then I'd really cut into you.

Like, hey, you want to get some extra money? you know you see me driving a nice car a whole lot of money you don't be dressing nice you're like yeah I want to get some money call me take my number that call me I'll break down what it is you're at McDonald's

this is a life changing experience for you yeah and every time it will work like that so you explain to him what for every card that you give me that works I'll give you $10 bucks and you could probably do 100 a day shit I was just thinking that by the end of the day they probably got 100

they easily that should be easy you know what they do now by the way, I notice it because, you know, when I hand someone a credit card, I watch the whole time what's happening. Now, a lot of places you go through the drive-thru, like I'll go through Dunkin' Donuts, they have it up here. So you hand them the card, they go, and they hand you the card right back. And I remember thinking to myself, this guy's like you. That's why they can't keep it even. They don't even do it slightly below, because, you know, sometimes they get the window and it'll be over here. I was like, listen, these, these cashier, they're so

good. You know, they'll slash, like they'll put it behind it and swipe through both of them. And you don't even, you'll think, oh,

they just wiped it once. No, they did it twice. You just can't see. Especially if you're, you're in a car and you're looking up, and they got too much time. And then you know,

most people, like, me and you would know to look for it. Most people don't even look. Nobody else knows. Get back on your phone. Okay, no, you have to know someone like Boziac

or you to really be paranoid. Yeah. After talking, have a conversation with you, people would be paranoid. People will watch this and be like, of hell no or even worse

they drop the card you drop the card no I don't give me my fucking shit back give me my I don't don't don't do it don't do it

but then it's like it don't charge it immediately either so it's hard for them to really pin it back on you if I wait a week to go use it I know right

yeah you don't know yeah because you know Kobe they drop the card they bend down that's where they I guess sorry no

no yeah you're right it could be a month It could be forever. They've got the information. They can put it on the website somewhere and it gets sold six months later. As long as that cards hasn't expired

or still good, you have no clue where that happened. How many times have you used that card in the last six months? You don't know where it happened. Yeah. Then some people don't even check their credit card statements. Right, yeah.

Like, even me. Like when I was poor, I used to check it all the time. But now you just be like, yeah, I'll probably do spend that and just pay it. That's how I feel like every time these I get a some kind of a a subscription goes through for $999. I'm like I don't even fucking know what that is.

I'm sure I did it though. I'm sure I signed up for something stupid. Then if I canceled I'm going to be bad when I can't use it again. Sign up. I sign up for some stupid face thing that makes you look older. It makes you smile, not smile. Gives you good hair. It makes you younger.

Remember when that came out like three years ago? I'm still fucking paying for that thing. Like $4.99 a month. And every time I'm like, fuck, I got to stop. but nobody feels like actually going in there and stopping it. Yeah, I'd have to hit all the like six buttons to get that to get that to stop. It's too much. Too much.

Definitely too much. See, that's the next scam somebody going to do, making one of those. Oh, listen, anytime you talk to any business person, the first thing they think of is there's some way we can do this on a subscription. Yeah. Because any subscription-based business makes a ton of money. Yeah. That's how I make money now of subscriptions. Nice.

So what happened? So you get the information, you talk to a few girls. Well, let's go to the first girl. All right. It was somebody I went to school with. So, you know, it's an easier approach. I'm like, hey, you know, I got this thing I'm doing. I know you work here.

You probably ain't getting that much money. Let me do this for me, you know? Then, you know, we're feeling like we play our students. You know, do this for me, do this for me, baby. You're doing her a favor? Yeah. Doing you a favor. So I remember she did it.

She had a hundred of them. And then I pressed the wrong button. on the machine and deleted them all. I said, listen, you're not going to believe me. She didn't believe me. She instantly cut out on me. But then it was too late because I knew it worked by now. So now I had to go find somebody else.

And just using the method, I just thought, you know, when found somebody else did the same thing. This time, didn't delete it. Rode them up and they all worked. What was the feeling when you pressed that delete? Oh my God It wasn't even just me in the house It was me and one of my friends

They said What's wrong Get it back I can't get it back I just sat there for like a hour Trying to get it back But you can't get it back I'm Googling stuff

How to hack into the box Get stuff that's deleted Refreshed It's over with Once you press delete on that box It's never coming back I almost wanted to shit on myself. So the next chick.

So the next chick, you know, is going good. She ended up having friends, having the friends do it too. So you take that information, you write it on some cards, and you go use a card. What would happen with the card? Like the first cards you use, what did you do by gas? The first card, well, I already knew what the method was, so I'm going straight to gift cards.

I'm not skipping no steps. We're going straight to the money. So just the same exact way, I take it, write it on the card that we stole, or a stolen gift card, take it in the mire, swipe it for another $100 gift card, try it again another $100 gift card until it stopped working. I try $100 gift cards and sit there a whole hour. Right. I have a friend that went to jail from sitting in Meyer and doing $50,000 in gift cards.

Staying to the police gang. But I feel him Because I wouldn't have left either Why do it keep working? Yeah, well This is God Who am I to not God's question? At least jump in my car

And drive to another fucking Another buyer And I stop working by the time you get there It doesn't I don't have to go to jail I get stuck with all these cards Now I got to go If you had $0 yesterday

And you have 50,000 a day A burden of hand I probably would have stopped At 50 But How long does it take To scan $50,000 With the credit cards

It takes hours So obviously the staff realized like something's wrong. This dude's just standing there, swiping shit. You know what? I think I'd. And the staff in these places are very aware of what's going on. Like they're on the lookout, you know? Yeah, it's been places I had to run out the store.

But even then, we used to take gift cards from the stores that were hot like that where you would have to run out the store, then take them to the other one and use both. I didn't sit in stores and used 100 cars at a time. Like Grand Rapids used to let you do that. especially on the late night, somebody black there working, he don't care. It's not to be racist, but you know my people don't care. Listen, it had been me, and it was me at Keep Rex. I ain't going to say his real name, but we just sat at the Meyer and Grand Rapids.

It's like 2 o'clock in the morning. This is our last 100 cars. He got 50, I got 50. We just sat there, squite, swipe, swipe. Luckily for us, a lot of them weren't working that day. So, you know, but when they was working, this was a great being, 519269, it would go for $4,000. So you could do two $500 gift cards, and it's going to pop. So out that store, I think we did like $10,000 off that 100 cards, which you might think

and be like, damn, the eyes is terrible. The eyes is terrible, but they're good at the same time. So all you need is one to go for you to make your money back. Cards is $10 a piece. So then you take that card and you drive to the place. and say, hey, I got. You got the $500 gift card. You're getting 85% back for it.

But it wasn't all the sunshine and rainbow. Sometimes it was bad. Sometimes, you know, stores, I didn't, I went to a store. You know, by now I got to run like a business. I got two people that's working for me. I'm paying them 20%.

I'm getting 100% off the ones I do, of course. But sending them to a different self-checkout lane to me. Because, you know, every store, like Walmart, Mike Crowder, they got two of them on both sides. of the store. So check out lanes. So I send them over there. I'm going to go over here. Everybody on them over there because it's three of them doing this over here. So I'm just over there having a great old time by myself. And sometimes like secret shoppers are watch you. Then you would be able to tell because they had this big, clunky-ass phone. Like, what are you doing

with a home phone and crow over? As soon as you see it up, you know, you got to leave. But then they'd start following you. They'd start trying to walk you to the car and get your license plate. And then we just have to start running. Like, I didn't have some of the hummies come with me, he even ran down the street, jumped the fence. And this was like a security guard that chased him. And then it's like, you know, he took his job too serious this day. Right. But he was on, like, detective, stop it. He was trying to grab him. And he said, I dropped the give-is on the fence. I turned the car around, went back, and we didn't grab the give-is again.

You mean the gift card? Yeah, the gift cards. Yeah, the gift cards. I mean, we had some great stories, great times with that. And it ended up getting so big to where I send out multiple cars. So I have a car that I go to this state and then another car sent it to this state. And I used to Great Lakes area. And these are buddies of yours that are these buddies of yours or guys that you like met through somebody else?

Most of the time it's my people like, you know, because we was rapping and we like had a group of a rap group. So a lot of people be around. Like, you might be band gang, but you ain't band gang. And that was the name of the rap group. And we were so big at the time because now we're getting a lot of money. First Juergen was a little bit of money. Now we're getting a lot of money. So we're doing like $10,000 a store, or not a store a day.

And I'm sending out three cars so I can do $30,000 a day. At Desjardin, our business is helping yours. We are here to support your business through every stage of growth, from your first pitch to your first acquisition. Whether it's improving cash flow or exploring investment banking solutions, with Desjardin business, it's all under one roof. So join the more than 400,000 Canadian entrepreneurs who already count on us. And contact Desjardin today. We'd love to talk. Business.

And it just got so big, even though I got to pay out everybody, I was, making too much money for my own good. And it got to the point where I really didn't care about no consequences because it's like even think about it and not. Like would you do a couple years in prison for a million dollars? Well, maybe not you.

But a 16 year old? Most people, I think, listen, right now, I tell you right now, people will be in the comments going, I'll do, fuck yeah, I'll do. For a million dollars, I'll do. You know, because let's face it, it's half a million. If you could keep the The problem is if you could keep the half, or keep the million, you know, in two years, could you keep it? The problem is most people, what they don't realize, they would say that, and they don't

realize that in two years, they'd get out and they go to whoever's holding the million dollars for them, and it's gone. Yeah. No, see, I thought I was going to, I opened a business, and I thought I was going to, and what? Where's my money? Where's my money? They got nothing left. I didn't have that problem, though.

My mama kept most of my money. My cousin, Ed, Poo, he kept some of my money. and everybody paid me when I got out, did the right thing by me. Yeah, that's very rare, you know. But I will say this, when I was locked up, not nobody but my aunties, the person I was locked up with his mama and me sent me some money. Right. I mean, my mama sent me some money, but it was my money.

She just took it out of my money. He said to me, but, you know, you talk to your men, and it's like, I got you, man. They don't got you, man. No, they don't. I swear to God. they don't. But I do that for my people. I got people locked up now that's doing 20-year bids and I take care of them, take care of their families, because I know how I feel to be in

that situation and be like, you know, you really dependent on people on the outside. Like if you're out there and you're committing fraud, no. Once you get in there, it's just you. You can't even go get your own money and send it to yourself. You need a person. Yeah, and those people are typically, although they seem solid on the outside the moment you're in around for a couple of months. I'm telling you. Listen, I know guys, I know guys that I've sent people money to send to them. And they sent part of the money. You know?

And this is, I'll tell you, but I know people that were holding money for people. And the money is a thousand, you know, a thousand dollars. You know, there's $3,000. And they sent $2,000 someplace. And where's the other thousand? Man, I'm sorry. I'm, I got you, bro. I got, like, I'm in prison or I'm in jail.

You should have sent me the money. What are you doing? And these are people that know each other for decades. You just can't trust anybody. One of my homies in jail was just telling me about that about one of the other homies. Like, yeah, you know, I sent such and such money. He talked about he spent the money on this, da-da-da-da-da-da.

My bad. Like, what do you mean? My bad. Yeah. Like, I'm in jail doing 20 years. Yeah. And you didn't spend my money. Rent, you only have $5,000 spent one of it.

But it's like, still, you weren't supposed to spend one of it. Right. You don't get a fee for holding my money. Yeah. Then I had to come up with it, but, you know, that's a whole other thing. I didn't fell out with people in jail. And this probably helped me in life too because, you know, they'd be bills. They'd be real bills.

So I had a homie who got a current homie. He and Jill doing maybe like 30 years for a murder. So he called me. He said, yeah, man. And then this is the thing, too. When you in jail, you can't take care of nobody on the outside. He called me, talking about paying somebody rent. That's free.

Like, a free human being. I don't remember if it was like his chick or whatever. Like, man, listen, if they're asking you to send them money, they don't love you. He's like, no, man, but you don't understand. I'm a man. I got to take care of this. No, you don't. No, I'm a man.

You're in prison. I'm the one paying. You're, that's not. No, no, no. But he asking me to borrow the money. He's like, I'm going to pay you back. Nah, bro. I'm not even talk to that dude again.

If he even said anything, no, you're right. If he was like right away saying, you're right, you're right. If that'd be fine. He said, but I'm going to still figure it out. He said, I'm going to call you back tomorrow. He figured it out. He went and ran off on somebody in jail. Oh, my God.

Then sent the money, then said, man, it's bad in here. He said, they own me. I needed to send me the money and they're going to run me up top. I said, bro, I feel like you're pugging me for the money now. Yeah. Now, now it's the same situation. You had somebody else pay that bill. Now I'm supposed to pay you back to pay him.

Why, I should have just paid them to begin with. Yeah, you know what I'm saying? Like, this is preposterous. Nah, we're done. You're too stupid to fucking help. But I still take care of his kids or whatnot because the kids don't deserve it. They didn't do nothing. But your daddy, your daddy's something. But I told him about himself, you know what I'm saying?

He ended up apologizing, but still you can't apologize off that. Yeah, you just, yeah, now I know you're an idiot. So at some point, one of the chicks ends up. what happens? Like, they, they, the cops, the cops start looking into it. They realize that they put it together that, look, we got a series of people, all the one, the one thing that's consistent with all these credit cards is they've all gone to this McDonald's.

Yes. So what happens? One day she's at work or at home, what happens? It was a strong correlation because it was like over a thousand cards from the same McDonald's at the same time. It's a coincidence. And you were working all of those shifts. And they had her on camera.

So she came in to work. They was waiting for it. Like, yeah, come on with us. You know, you ain't working today. Got to talk to you. But I had three people at McDonald's. So then other people started coming and me telling me like, who are you telling on this?

I said, me telling on you. Why would I do such a thing? I'm not even the jail. So what happened when they got her downtown? She told on everybody. She says, okay. But she says your, what was your rap name? Rap name was Jafar.

Okay. You know. real name Devine so that you Oh okay I didn't know that I thought it was Javar but for them

I guess they just never looked into it enough they probably thought she was lying anyway like you know you're doing this for you or for one of the other dudes that was working there like y'all probably just had a ring of doing it but then one of the other people he ended up going to Taco Bill still doing it for me and I feel like looking back

I was crazy to still trust that man but he was good money He went, got another job at Taco Bill, still worked. Another person worked at a different McDonald's. I don't know why McDonald's people always went to jail. They came and got him, showed him a picture of me,

said, we got you going in the store. They swore up and down, it was him going in the store doing the crime. The man didn't even look like me. Right. You know what's going to look like, took his ass to jail. Then I was scared of him because I feel like, man,

you're going to tell on you. Yeah, you for sure going to tell him. And you know it wasn't you. me like that's easy clearly it was this man right but you know what I'm saying I think he ended up beating his stuff because you know legitimately it's not you

you were probably somewhere else at the time this was happening maybe you're assuming he had a good public defender a public defender might have been let's just take the charge it's a felony no big deal I'll get your probation no big deal it is a level six

that if I got 10 years later five years later two years later he goes to join the military or he goes to You know what I'm saying? People have no idea. Yeah, felon needs to ruin your life. It didn't rule mine, though. Luckily, I just had so much going on.

This is like, the felony is probably the best thing ever happened in my life. I remember I had a girlfriend. He called me cheating while we was out swiping. This is back when I used to cheat nowadays, I don't cheat. I just tell you straight up, like, you know, I got more than one chick I talk to is what it is. You got to accept it or respect it or check it.

But we went in the store. You know, it's a good day. I'm feeling good. It's hitting. Make it money. I'm the last one to leave out. I left my phone in the car while I was in the store. She'd get out first.

When she goes out in the car, she checked my phone. See, all type of nonsense in their shenanigans. I'm in there cheating crazy. But my cousin, Skinny, God rest of the soul, he came out next, sat in the car with her. She's like, don't tell them nothing. you get in here, I'm fucking him up. We're looking back

and you're like, damn, that's crazy. Skinny should have told me something. With you, I left out, I hop back in the car. She's driving, I'm like, you know, she gets to speed on the freeway to the next stop. I'm like, what the fuck is wrong with you? We got all this in here and you speeding? Like, you're going, we're going,

I'm cussing her out crazy. Like, bitch, you're trying to get us put in jail playing. So we finally pull up at her house. I hop out. I'm cussing her out. She, how about, she didn't send all the messages to her phone, like screenshots to what I didn't did. She's talking, look at you, stupid bitch.

Throw the phone in my head. Oh, shit. Man, that is me, ain't it? I didn't have to scoop her up? Like, no, you know what I'm saying? Yeah. She ended up being the one I was still with when I went to jail. Ooh, terrible.

She couldn't wait for her big one. She didn't went and did everything. It lasted about six months. while you were in jail? Yeah. And before I went to jail. That's a trooper. Six months, that's a trooper.

She lasted last to six months. Oh, that was, you know. Six months are doing nothing, though. Like, you didn't have to send me no money or nothing. Like, what was your real burden? Okay, well. I guess you came and visited me once. But I had just bought her, like, a ring.

Like, you know what I'm saying? Like, I know. It means nothing. I was going to say me. I'm fucking all your friends and I'm currently incarcerated. But I did buy you a ring. Yeah. It means a lot.

With the stolen credit card. Coming from me? That's been a lot. It was my money. Oh, that's my credit card. You're stolen money. Yeah. You know what I'm saying?

That was money. Once it's my money, it means so much more. No, no. As soon as it's cash, that's mine. I swear to God. It's my money. Once it's on the card and if I lose it, you know, I can accept it. If it's mine, I didn't got to turn to the end and it turned into cash, that's mine.

I can't lose this. If I spend that on you, I love you. What? I don't get these that often. What do? You know? They don't make this every day. But hey, she ended up leaving me.

She told me her daddy said, I don't need to be talking to nobody in jail. I said, oh, that's a cold. That's a cold way to even tell me. Didn't your dad go to jail? Good chance her dad did go to jail. I think her daddy was a cop. Oh, yeah. No, he's not.

He did the right thing. He said that it was the right thing. So you're, so you got a crew going around, hitting these places. Yeah. How old are you at this point? I'm probably like 17, 18. Got a car? Got a car?

I had an Audi. My first car was Saturn. It ended up having bullet holes in it. When you bought it, it had bullholes? No, no, no, no. I was shooting a music video because I still was trying to shoot music videos. You know, trying to do business

because, you know, I'm trying to be a businessman. Right. I'm just trying to do fraud forever. I'm doing this new business. So I'm shooting somebody music video. After the music video, I don't even know why to this day. I'm sitting at the park counting the money from music video.

Somebody just get to shooting at the car. Oh, I get down. I'm in a car with two, three other people. Drive off. I can't really say what happened after that, but you know what I'm saying? It was, I ended up being okay. The car was full of bullets. And, you know?

Not, not really. No. No. I mean, was it jealous? You think it's just some jealousy or something mad at the other guys? I truly don't know. Or there's just somebody just... I ended up talking to the people afterwards.

They're like, you know, we never even knew that happened to you. Because they left and didn't happen. But it's like, you know, I don't know whether you tried to rob me, tried to just kill because you ain't like me or whatever it was going on. Then we had beef with some people at the time, too, so it could have been about that. You know what I'm saying? Like, it's people that really died behind a lot of things, you know what I'm saying?

So it could have been that. I can't really just be. blame them and put it on them like that, but just in case I'm going to just stop dealing with you. You know what I'm saying. And then you bought an Audi, and then are you living, are you still living at home? I was. I was still living with my mom for a minute. Then she kicked me out.

She said, she found something under my bed. I think it was like a clip or a gun clip or something, or it might have been some gift cards. There might been both. And she's like, yeah, get the fuck out. Like, you know what I'm saying? You're not living under my room, living like that. So I did move out. And then I ended up.

going on the block, which is never where you're supposed to go. If you're from the streets, never go stay on the block. What is the block? The block is just like the block everybody hang out on. Okay. So this is where all the crime is happening. Yeah, yeah. But, you know, I'm too young to even get an apartment.

I can't even go get an apartment about that. So I'd go over there with the hummies. You know, one day, while I go on the road, they end up having a shootout on the block. This is like, I didn't just got over here. What's going on? They seized my car, everything that was in my car, everything that was in the house I had. But I was so blessed to have went on the road that day. I went May, $20,000.

I dropped off 10 to the lawyer, ended up getting the car back. But I lost everything else that was in the house. Why did they take your car? Because it was there. They seized everything from that house. It was a band-off. So anything that was over here, shouldn't have been over here anyway. Okay.

But that's probably how I got it back, too, because you really didn't have no reason to seize it. the car and I went to go get it out. The detective I ended up talking to was another girl, Daddy, I used to sleep with. I remember he was looking at me, but he didn't say nothing. Then I caught her when I left out, like, yeah, you know, I just seen your daddy up there, you know what I'm saying?

I thought he would have worked it out for us, you know what I'm saying? Oh yeah, he hates you. I said, hey me, what I do? He was always cool when I came wrong. I said, yeah, you know, I ain't never tell you this, but I got into two of my parents one day and I told him we used to be fucking in the basement. He hate you. I said, oh, so we're going to see that motherfucker for a while.

But I ended up having to get the lawyer. The lawyer ended up going up there. You know, you all really don't got no reason to keep the car. So either give it back or we're going to see you for the car. So they gave it back. But that's why you should keep your dick to yourself. Just swinging it everywhere is bad. You know what I'm saying?

But I learned that growing up, seeing all of these things nowadays, you really got to mean. something for me to give yourself. But they was trying to figure out who was involved in the shooting. And the person that was shot was my cousin. So it was like, you know, I know she ain't saying I shot her or nothing like that. I'm out of town anyway. Right.

Well, yeah, yeah, yeah. It's quite unfortunate the situation. And stuff like that used to happen all the time. Like, didn't have a shootout with the police over there or a type of just dumbness. So why stay in that neighborhood? Man, young and dumb. Extremely dumb. Too much money to really deal any, any.

of that. Like, I could have paid a chick to get the apartment in her name. But I'm just thinking dumb. Like, you know, I'm a real one. I'm going to stay on the block with the homies. Dumb. Nah, pass. So what happened? So, I mean, do you get in trouble at any point here? Or do you just tell us this keep going? Not from that. It ended up stopping. Not too far from that. but I think stuff got a little bit bigger before it stopped. Like I started, like I stopped Stop going and stealing the cards

Like I'm using blank white cards Like I buy them off eBay Just in a hundred pack or a thousand pack And just use those, you know what I'm saying? Like I had a HTTP 5,000 card printer So I could print the face on a card Like it can look like a real chase card now Right

I could print the numbers on it and everything It's going to look like a real legitimate card take those in the store and now I can buy anything. So I still do gift cards but I do like iPads and stuff too because gift cards end up getting a little bit hot. Hard to do

100,000 of gift cards in the same town because they start calling the other stores. Like hey, these guys coming through buying gift cards we see them call the police. And you know, people will go to jail like my people who went to jail before and when somebody go to jail,

something got to change. You got to change up the method at least a little bit. Did your guys ever get, any of your guys get caught and then you, like, they ever try and set you up? Or did they get caught in, like, the other, you know, sometimes, whatever, you're driving around and you get the phone call that says from somebody saying, hey, man, you know, Jennifer just got picked up by the cops in fucking Walmart. And you're like, oh, shit.

You know what I mean? Like, oh, like, and then it's like, is she calling you from jail? Is she not calling you? And then you get the phone call two days later, hey, what's going on? How are you doing? And you're like, oh, how's it going? You know what I mean? And you're like, oh, how's it going?

Doesn't even mention that she got arrested and went to jail. Right then you know, oh, she's wired right now. She's trying to, oh, hey, can we get together and talk? I want to talk about the next score. No, they always told me they went to jail because they always wanted some buying money. They're like, come get me now. That's the thing, too. I always bide you out.

I don't get a fuck with you to go to jail for him and get you out. Because if you sit in there, all you got to think about is ways to get out. And I'm the only thing that's going to come to mind. So I'll get your ass out immediately. We can care what it cost it. Get you a lawyer, all of it. You know what I'm saying? There was a big credit card ring.

This was 20 years ago in California. And this guy would actually go and get girls that were going to college. And he would give him credit card. He could make, give them the credit cards, and then he would make fake IDs for them, send them in with a shopping list. And they would go in and they would buy. like whatever Louis Vuitton right coach bags you know everything so they're they

buy the the bags and everything and then I remember the guy's name that he was considered the con man his name was Chris they would come back and give him all the stuff and they were paying the girls like 20% or 30% of whatever the the retail price was and then they would take the bags and that Chris's wife ran a website through eBay or not website through eb sorry She had a store, and she was, first it starts with her just reselling everything on eBay for like a 30% discount. So they're paying these girls 20%. So they're making 50%.

And so, and they're selling. And then what they decided is I think they ended up either making a website and selling the bags. And then it turned it. They were getting so many bags and so many just all top-notch stuff, right? like Beverly Hills, like wherever Reda or Jariff, whatever it is, where they go and they're shopping in these stores. And so she ends up opening up

a store. Like in like Beverly Hills or some area, you know, upper crust area in L.A. So she ends up opening this store and she's selling the bag. Like it's it's a nice high-end store. And the girls would get

busted every once a while. but he had it so down that he like when they sent them in like you only buy up to this much money up to this much this and they all knew like if you get arrested immediately give them the stuff don't say anything go to jail i'll have you out the same day i have an attorney i will bond you out like and the worst that will happen is you will get you'll get a felony but you'll you'll end up i've got a lawyer and as long as you haven't done this been arrested more than like twice or something for this. We can, for the first two, they'd get it knocked down to like a misdemeanor and probation. So he had a whole system. He explained everything up front. So the girls are walking

in the door. They're not even worried about being arrested. They've been arrested. So they get arrested and knew exactly what to say. They said nothing. They went to jail. They were out that day. Because also, California, they were very, very liberal on letting people nonviolent criminals right out of prison. I'm sorry, right out of jail. You come in, you get fingerprinted everything, boom. They either bond you out or you sign yourself out. It's nonviolent. It was only, it was under $20,000. And then they get the lawyer. He pays for everything. So he had a system, man. He was doing this for years. And eventually, eventually the main, I think the main, wasn't the main guy that got caught or somebody got caught and then they built it. They went in. They built an entire case on them.

I don't know if one of the girls had been arrested too many times or something. Because, you know, at that time, they had the three strikes law. Yeah. And it didn't matter what you had done. You got life. Yeah, you could get life. And so somebody was involved that said, hey, you know what? And they set the guy up.

And then the guy that was actually, the guy that was actually getting the credit card information from him or for Chris. I remember he got busted. His name was Max. And I remember they swarmed into, and he was waiting to get by the guy. He knew he was getting busted. Like he had a whole system where he had it all set up so that he could basically hit like one switch or something. And it would wipe all of his computers. And it was a whole system.

Like he was a techie guy, right? Like a geeky kind of a techie guy. And they just got to him before he could. Because he literally, and he knew it. Like they explained. Like he, everybody knew he had it. So like Chris knew. Anyway, Chris was supposed to get.

This was Chris's, Chris had met this guy, Max. while incarcerated. So he, Chris was supposed to get a life sentence. When I read the article, there was an article in Wired Magazine. When I read that article, he was currently fighting to try and not get life at that time. Because at that time, at one point it went back to the judge where the judge could either implement it or not implement it, right? Like I can either say that this, you qualify for it or not. And he was trying to, he was putting up a fight saying he didn't deserve life.

but he had a real system. But yeah, in his system, these girls would get arrested. They just go to, and I'm not talking about like six girls got arrested. We're talking about like 30 girls of the course of two or three years got arrested. And none of them said, none of the girls said anything.

It was some guy, there was some random guy that got arrested or something like that that told on him. So your girls are, these, some of the chicks are getting arrested, some of the guys are getting arrested. None of them are telling. None of them told, you know, by the grace of God. Because that's what it's really all about systems. I didn't really necessarily have a system to where that, you know, elaborate.

But it's just like a known thing. If you get arrested, call me or have somebody else get in touch with me, we'd get you out of jail because that's what need to be done. Right. Now, of course, it was other things that happened, like, negative. Like, I'd have lost crazy amounts of money on trips, but it wasn't necessarily, like, the swiping trip. Like, it might have been something else.

I was doing, like, phones, like, using a profile, which is like name, social, fake ID, going in the store, getting phones, but you know it's all about the system, like I say, scaling it up. I'm not trying to go get one phone. I'm trying to go get 500 phones. So ahead of time,

I used to put the money on the Go Bank cards. This is before Go Bank even wanted, like, facial verification. But even now, like I said, you can pass the facial verification. All you would need to do is put the money for the taxes on the go banks. Go in with the good credit profiles and the fake ID and say,

hey, I want to open a phone line. A person never had Verizon before, so you go in, they look at the ID, scan it, scans, walk out with the phones. All you're paying this to taxes, $100 for a $1,500 phone. And one day,

I wouldn't do it. But the first name was the last name on ID and the last name was the first name. but it was a state, it was California. Right. And when you look at the California ID, like, it's backwards. Okay. Like, for me, like, common sense, it would be the other way around.

So I'm thinking it's the right way when I go down there. But when the people looking at it and they scan it and they're like, it's not right. It's not coming up. I ended up cross-referencing it. Then they say like FN and L-Ean, oh, it's backwards. I sent us down here and waste it. All of this money I didn't put on the cars for taxes. I think I had $20,000 in taxes on the go banks waiting, and I had.

All the money I spent on the, uh, IDs, it was like 50 IDs. The money I spent for the rooms, I didn't flew everybody out. We were supposed to be down here for like a month. I lost a crazy amount of money doing that. And I just went home and went to sleep. You couldn't do nothing for like another month, a couple months. If you sleep hot at night, you know how disruptive that can be. When you're not resting well, everything else feels harder.

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It's always going to be the last year. It was going to be the last one. I had a thousand cards on me. I was going to make so much of money, I never had to do it again. But it did not last long. I think we got to, like, the third stop. But the reason I even did it like that because we was going on tour for rapping. And this was the first tour, but it's like, you know, rap doing good, everything doing good.

I don't really even need to do this. If I can just do this one last one, I can be done with it. So I goes put the thousand cars in, got the MSR in the car, the embosser in the car to put the numbers up, punch them up, the tipper to make them silvery, the printer to put the face on it, all of that's in the car. We go to Meyer. It's not good. Not good. It's not good. That's manufacturing.

That's, you know, that's 15 years? Yeah. They could be bad. Yes, very bad, very bad. And it's an enhancement. man. But do we go to Meyer? It worked. Everything good. I do a thousand of giffies in the iPad. We left out. It went back in. Did it again. But we only went back because one of my people that was with me had to get a book bag. Like, man, I need a book bag for the stuff. I said, man, it's green. Let's go

back in. It was not green. It was red. But I didn't see the signs. I saw the signs, but it was too late. walking out the second time I looked behind me something made me look behind me I saw the lady with the big block phone I look I see the police turn in the corner

I say it's over I start trying to speedwalk it's like oh maybe I just throw the cars off my pocket under a car or something police was not going because the lady pointing at me him get him

so you know as I'm trying to get away it was over with it happened too fast and the police whooped down on me like yeah you know and he was trying to be cool like yeah man you know they call us up here all the time for people just using cars you know what I'm saying they they really are little races up here so if you can just show me the ID you pay with in the car everything would be all good say yeah I had a Canada ID I'm no nobody knows what the Canada ID look like and an ID you're like

yeah okay I'm gonna run it he run the numbers or call it in like you know the ID number, did it just come back to anything? No. Okay, he under arrest. Other people, they was down there, they under arrest too. They had, like, in-state IDs,

but they looked at terrible. It was good enough to fool, like a Walmart employee, not to the police. Well, yeah, then went to jail. Did you get a bond? Oh, they're about that bond. That's a good story. I'm glad you brought that up.

I could have got a bond, but the first day of me going in, I caught back You know, so you get your phone call My phone call was Shit hitting By another printer, I'd be home Have it ready for me

Judge was like This niggins, I just got to have No bond No bond You're dated to the community Plus you were arrested with a fake ID That probably didn't help But the other people got by

They were arrested with fake IDs too I would have to buy If I didn't do that Right It probably ended up better for me Because sitting in jail that long, it taught me so much. Like, you know, I ended up being the better in every aspect of life. So what happened?

So what was your lawyer say when they grabbed, I mean, when they came? What were they offering two years? Or is this federal or state? It was federal. It was state at first, but then. The feds said, man, you might as well not even pay attention to this because the fed is going to come get you, which they did. Like the next day.

FBI or Secret Service? Secret service, I believe. But we really didn't even talk to them. They came. said, do anybody want to talk to us? They just went down the line and all our sales. I remember where he was sat in one cell too long. I said, man, what's going on over there,

man? But he was asking some dumb-ass questions. He was just in there talking about when did they take us to the other building and all this other nonsense that don't mean nothing. So we went from what town was being? I think not Allen County. Allen County is where we went.

We was in Stuban County in Indiana. Very like Hicktown. Like even when I went back into the county, like, no disrespect. It was like a lot of white junkies back there. Right. And I remember my lawyer telling me, don't tell nobody about your case because they're going to tell on you. Which I also didn't listen. I was instantly telling people about my case.

But it didn't come back to back to me that time. They ended up going to Allen County. Now, that's more like a urban community. You know, you got a mix of white people, black people. learned a lot in jail what ended up getting me less time I was reading the book busted by the feds you haven't been read it yeah yeah no I've never read it but I know

people have read it oh that book saved me it was a story in there about somebody that got a downward departure for what was it like it was only so many reasons you could do it that you could do family mitigating circumstances right yeah yeah like you got a sick family member not even that you could do it because my daddy died I could use that.

It's mitigating circumstance. Like this is what made me do the crime. Oh, okay, yeah, yeah. Yeah, there's like productive environment. There's a few different things that you can get, get your sentence, a downward departure based on what the sentencing guidelines say. Yeah, but I couldn't have got it

with me calling back and, you know, trying to do all the other stuff because it's like you're still dangerous to the community. So I had to offset that. will offset that. It was another story in there about somebody doing something good and like the judge looking at it. I'm like, I can do that.

So I gathered everybody around in the jail. Like, look, I just need you all to help me. And I'm generally a cool person, so, you know, I fuck with everybody in there. They're like, yeah, if it can get you less time, why not? So everybody wrote a letter for me and sent it to the judge

and they signed a petition saying, not a petition, but like a little paper saying, they were in the class I made to keep people from recidivizing. Never made such class. Right. The judge didn't know that. She looked at all that and she was like,

this man has genuinely changed. I remember going to court, my lawyer said, I don't know what you did, but that judge loved you, you're going to be all right. Say yes. The judge ended up talking about it. She said, man, all of those letters,

I've never had nobody send so many letters and do this. I hope you change you're a better man for this. I'm not going to get you what the state want to get you, but I'm not going to get you what your lawyer want to get you either.

Meet you somewhere in the middle and get you 24 months. And that was cool enough for me. No, I got 26 months. But that was cool because you do 24 through 26. Right. But somewhere along the line, you know,

I can't say what happened when I got out of jail was, you know, somewhere along the line, let's just say. Stuff started getting bigger to, you know. like I realized with facial verification and all of this like scams really changed so I brought things to show this is what I really do now I teach people about fraud so now with facial verification people get stuff like this

what I show the camera like this yep what is that this is a facial prosthetic so say I wanted to go in the store but I didn't want them to be able to identify as me in the store or I want to do something online and pass the KYC verification. I can put this on. This is the forehead. This is over the eyebrows,

under the eyebrows, cheeks. I'm a whole new person. Add some makeup to it. You knew. You ever seen the movie Bad Grandpa? I don't think so. What? You ever seen the movie, not Medea.

What is this? That's the fat face. Same way. You could be fat. You got the forehead. You got two cheeks. got under the cheek and it's like under the lip. So you could be fat, you could be skinny, you could be old, you could be everything you want to be.

Let me flip it around for you. You could be whatever you want to be. You know, scams is just what I do now. I teach people about stuff like this. Okay. So the people get on only scams, the only scams.org. And for fraud prevention, you can go report these people. I'm not telling nobody to go use this.

But if you just go report it and say, these people are doing fraud, you just stop these. people or maybe you a pen tester and you need to go have these people to go do whatever you need to do or make a red team report is there for you so a pen tester is somebody who's basically trying to they're trying to basically it's like a a professional white hat hacker yes right who who hacks sites to try and find their weaknesses for the actual business that's running those those whatever websites or but you could be a pent tester and do any crime as long as you got permission to do the crime.

So whoever, like if he was going to do visa, you have to have visa's permission to use that credit card. And there's a methods and lessons test tab, so even if you don't know nothing about fraud, you can learn everything anybody knows about fraud. That's what I do not. I'd make like $50,000 a month doing that. Right.

Then there's other scams that came and went, like, I think everybody did PUA. It was the simplest thing in the world to go get four or $5,000 a name, even when they first started, you could just backdate it and they put all of that onto the card. And you can do it with the go banks too, the same way we was putting taxes for the money on the go banks.

Right. What is it? PUA. I don't know what that is. Pandemic unemployment assistance. Oh, okay. Nobody can't even talk about PUA over here yet. No.

Wow. Okay, I'll give you all that. So when PUE was going on, I think everybody knows that the pandemic boys, everybody was doing it. All you would have to do. And not to say, I did this and nothing. I just so happen to know this hypothetically.

So what they would do, say you go get a go bank. Right. You go to the pandemic website, like it was PUA website, for whatever state you were in. You would say you qualify for pandemic unemployment, not regular unemployment, but PUA unemployment, which was more money, and they would backdate it. So for however long you've been unemployed,

they would put all of that money onto the car up to the start of when PUA started. So like when I first got into it, it was like $4,000 already just for the back day, so it might have been like $3,500. But they would load it all onto the GoBank. You just put the GoBank, robbing an account number in.

That was your bank account. They loaded it on there. No verification whatsoever. You just say, if you could have put a fake Social Security number, they would have loaded the money. And a lot of people put fake Social Security numbers. Now, it did get to a point

where they started locking the cars. But all you had to do was called and be like, no, this was me. Right. And then, oh, I get it. Your money was right. It was still good. It was like when the tax scam first, you know, started happening. Like, it went for years where people were just, if you had any social security and a name attached to it and you sent in your taxes, they were going to give you a refund.

They usually making up the employers, making up the addresses, making it. You just, your name, date of births, social security number matched, and you're getting seven, eight, three. thousand dollars sent to a green dot card you know like i mean just just like that seven thousand eight thousand another one eight thousand four thousand seven thousand just as many as you could get they just they were just all of them were worried this because i've talked to a bunch of the guys like this that were locked up but they're like bro you don't understand we do 20 of them 20 of them worked all of them worked they were like that one that was like that for years it was the biggest problem you had was just finding the names dates of person social security numbers that was the

biggest hurdle of the whole thing they said and then suddenly they started not sending the money. And then suddenly they started wanting you to call. And so I knew guys that said, and I'd call. I'd call and I'd answer the questions. And they'd say, okay, we'll go ahead and, you know, give it a couple, you know, within five days, we'll put the money on the card. They'd do it. He said, and then it got to a point where they were like, we're going to mail you a PIN number, you know, or do you have your PIN number from last year or do you have? And then they were like, then it got to a point where it was like, out of 10, you do 10 of them, maybe two would work. But it was seven or eight thousand dollars. Like, what do I care if I have to do 10 and I get two that

work. It's still good money. They were like, then it just got so hard. It became such a problem, the combination of getting the information, getting, yeah, it became like, Jesus, I could, you know, so many of them weren't working anymore. It's become very difficult to do now. And so it's dried up. A lot of people still do taxes, but it's more about the credits than anything now. Now it's just throw a whole bunch of credits that person don't deserve on there. Once you get this $30,000 refill and you better withdraw it because you never get in taxes again. You might go to jail. but, you know, everybody knows when they couldn't hook up.

Like, I was just talking to somebody that wouldn't say they got the hookup and didn't know they got the hook up, but they, now they can't never get that taxes again. It's all of it. Oh, well, you know, how many people will you go to and say, hey, look, you got a bank account? Yeah, I got a bank account. Okay, listen, here, I can get somebody deposit like 30 grand in your bank account when we split it. And people are like, oh, okay, well, what do your thing's going to happen? Like, I was wonder, like, they, then when, you.

When they get the 30 grand, they withdraw the 30 grand, they give you 15, they've got 15, and then three days, four days later, it reverses, and now you owe the bank 30 grand, and now they're pissed at the guy that sent the money to the 30 grand. What I understand? What did you think was happening? Yeah. Are you so stupid that you thought I was just going to give you $15,000? Would they do me?

You made, you did you think just by withdrawing the money? money you were going to make 15 grand? Mm-hmm. And I was, I got 15 and you get 15, and that there was no backlash. Well, I thought, like, do you, like, what are you one of these guys? You're, you, you probably believe everything, like, the Earth's flat. We never went to the moon. You know, like, you must believe all the fucking, like, anything, right?

Like, that's, like, these are, these are things that just, come on, man. What about, like, 10 years ago, like, the CPN started becoming a thing, right? And then there was like five years where people were just doing it, right? And it's working. And then like five years ago, like when I started this, I was making videos about how CPNs are illegal. It's not legal for you to put this number. No, no, I got an issue by a website that just because it's a website doesn't mean

this is some guy who's scamming you. He's using children's social security numbers that are inactive because they were issued to children. It don't even got to be that. It could just be a made-up number. It could be as long as it's not being used. Yeah. So it's a, it could be, okay, so let's say it's a social security number that's never been issued.

So they're issuing you the CPN. You're then using that CPN in place of your social security number. So when you go to apply for a credit card or something and it says social security number, you're now giving them a CPN, whatever the fuck that is. You put that in there. And then if you do it enough and you do enough things, you can build a fake profile, you can get money. Do you have, and when I was making these videos talking about how, hey, This is illegal.

But people are like, no, bro, don't you understand? I've used one. I have one. I bought a car. I have this. Okay, that doesn't make it. Just because it worked. Just because you got away with it.

You're telling me that every guy that's selling rock on the corner that's been doing it for six months, it hasn't been arrested yet. It makes that makes it legal? No. And so now, listen, in the last year, I can't even tell you how many TikToks I have watched where people are getting arrested in car. dealerships and having people show up, getting arrested by police officers, by the FBI, but and all of them. All of them. No, no, no, no, no.

It's a CPN. It's a CPN. They're like, okay, that's illegal. And they're like, no, no, it's not illegal. It's not illegal. No, it's a CPN. Stop saying that. Saying it's a CPN doesn't make it legal.

You know, you, where it said social security number, you put another number down, you created a fake profile, you built it up, you borrowed money, you just bought a car, Like, this is all illegal. But it takes four or five, for these scams, these new scams that come out, it takes four or five years. It has to kind of become an epidemic for the government to come in and say, hey, we're going to change something in the system. Or we're going to come, we're going to track these people down. We're going to start arresting people. Because initially things work out.

And then when they go good for a year or two, people just, they become, they're like, oh, this is. is, they become emboldened. This is a foolproof scam, and it is for a little bit. For a little bit. You got a little bit of time. The U.S. attorney issued a statement on it and said it was illegal. And once I seen that, nobody else could tell me.

Because this is a lady that's going to prosecute you. And if she said, if you do it, I'm going to prosecute you. I'm going to fuck what nobody else told me. It's illegal. I watched one the other day where literally the it was a chick that was in a car dealership is arguing with the two police officers and a detective that this is absolutely perfectly legal.

I have three credit cards. I have a car loan. I'm buying a new car. This is legal. Like, you're arguing, and you're burying yourself. You're on the, you're on camera burying yourself. Talking about how, no, I bought this from a website. I've watched videos on it.

And yeah, I understand. lots of videos that doesn't make. But it's just like the people that tell you, you don't got to pay taxes. You can just tell the government. Yeah, I opt out. Yeah. I've decided not to pay. Yeah, let's see. Let's see how before they work for you, you know what you. Yeah. Okay.

That's going to... But people have been selling snake oil for so long, it's so easy to sell a little bit more, you know? People that believe anything, and then anybody that call you a liar, you just cuss them up. And that's all they need. Well, I mean, I think the... It was just like we were talking about the the chick with the I mean think about what an easy scam that it with the I braid hair yeah or I come

to your house and I cut hair like I braid hair I cut hair I can come to your house I it's mobile nails like you can advertise anything and then if you've got 10 10 web or 10 Facebook pages up and one of them gets taken down yeah you know if you if you're smart you've already built up these other ones and then you just move to the next one you start another one you just always keep 10 going use the same photographs over and over over and over and over again, maybe different profiles, slightly different profiles, different names. You're always kind of building up, building up, building up, you know.

So these people, you can hold off, hey, I'm sorry, something came up with my son. Can we reschedule for Friday? No, but I need it today. Oh my gosh, I'm so sorry. Look, let me send you your money back. And you just, you could always hold them off a few days, a week, two weeks, but eventually you wear them down. People don't realize you have enough interaction with someone, you wear them down.

Right? It's why when you go to the car dealership, they don't walk in immediately and say, well, this is how much the car is. Here's how much we'll reduce it at max. This is it and there's no more. They don't do that. They drag it out over hours because they know the more we drag it out, the longer we drag it out, the more you've invested in the transaction, and the more you'll pay for the car. Some course, fellas, see, you didn't already spend all of this on it. You don't want to just give up all of that that you invest it.

And there's less time in the day for you to now go somewhere else. Yeah. They just got me like that. Yeah, well, okay, I'll go ahead and pay $2,000 more than I really should have. Like, what? Just because you sat here for two hours? Yeah, it's psychology. They know what they're doing.

They're professionals. You know, looking at it now, I just went to border Bentley, but when I was in the dealership, and I feel like I just should have took more time. You know, I was already there, and I'm two hours out. I drove my car there to go by the other car, you know, just like, man, I'm already here. I'm not about to go leave and find it.

another Bentley. Like, where else am I even going to find one? So I ended up buying it for overpriced I should have bought it for, but you know, hey, here we are. Next time, and then this is the thing. I called them beforehand, made sure everything was right. But how did I get here and not something different? Now, you told me, oh, it's a chip in the paint right there, but are bad. You already down here now. You already two hours out. You already got the check here. Where are you going to go? Yeah, I had that happen, what, about two years ago. You remember that, Colby?

But I drove, I drove like an hour and a half because online, I found a Bronco. This is when car prices were much, much higher, right? And probably about two, two and a half years ago, I decided one time, you know what I'm going to do? Like, I sat down, I thought, I'm going to buy a brand. I don't, I hadn't had a vehicle in years, you know, and I've been, you know, just, you know, I've been really just, living, you know, very, very humbly. And for some reason, I decided, you know what I'm going to do? I'm going to buy a Bronco.

I love the new Bronco. I love the way it looks. And I'm so glad these guys actually did this to me, by the way. I drove an hour and a half to get to the dealersch because I found the dealership and it was on sale, or not on sale, sorry, the price was like 30, no, was it like, let's say, I don't remember, but let's say it was like 38,000. It was just this rock bottom price. And it was amazing.

And it was like the MSRP, let's say, whatever, whatever that is. And I was like, I called down, I said, bro, is this the price of the vehicle? And the guy said, yeah, I said, there's nothing extra. No, no, that's, that's the MSRP. He kept saying, that's the MSRP. That's the sticker price. That's the price of it. Come on down.

You're going to love this vehicle. It's okay. We had a day off. I drove all the way down there, went to go, walked in, said, hey, is Todd here? They said, oh, it was Todd's day off. I'm pretty sure Todd is just sitting in the side room right there because Todd knows he don't want to talk to me after me driving an hour and a half.

I said, really? I thought, I said, wait, I told me to show up here to look at this vehicle. And he goes, oh, yeah, he's out. Yeah, I'll handle it. And I go, okay, we go out to get in the vehicle as we're getting the vehicle. I can tell it's kind of jacked up a little bit, right?

Like, it's a little bit, it's got a lift kit. The new, different tires. But I could see that in the photos, too. I just didn't really realize that in person, I was like, oh, wow, this is like, and so as I'm approaching, I remember thinking, this isn't stock. Like, is it, maybe this is an upgraded package or something? I don't know. And so as I'm getting there, we get in the vehicle, and I go, man, this thing is great. I cannot believe this thing.

Yeah, starts up the vehicle, starts driving. I go, I can't believe this thing's going for 38, bro. I said, I'll just pay 38. Like, I'm, I just, I'm ready to go. And we're driving, he goes, oh, no, he was, this is, was it? Like, oh, no, this is $56,000. Oh. And I went, actually, that's not even true.

It was like $62,000. It was over $20,000 more than what it's supposed to be, like $24, $25. He goes, oh, no, this is this is $62. What, what, you think it, is it, you thought it was 38? And I went, what? He said, yeah, well, I mean, he is, oh, I think the MSRP is 38. He said, no, with the tires and the lift kit, that's 20 grand, the tires. And I, whoa, whoa, whoa, and we're now driving out of the, like, whoa, whoa, whoa, I say,

turn around. Make you you turn here. Make you turn here. Right here. And he goes, what? You don't want to? I said, no, no, no, go back. Go back. He's what? You don't want to drive? I said, nope, I don't want to drive it. Turn around. Turn around. I said, no, I'm not fucking around, bro. Turn around. Because I knew immediately. He turned around. He goes back. You don't want to drive? I said, no, nope, nope, nope, nope. He said, you're okay. I said, no, I'm good. I'm good. I'm good. I just want to go, I'm good. I just want to, I get in immediately what happened. Todd is there. He just knows we had a very specific conversation on the phone. He didn't want to get in the car with me and tell me that and go, oh, I misunderstood.

Go fuck yourself, bro. You didn't fucking misunderstand. Like, he knew what that conversation was going to be bad. And so guy pulls out, I hop out. I said, yeah, I'm good. He's like, well, wait a minute. Mr. Cox, hold on. What's the problem? Let's let's work out a price for it. Let's let's let's no, no, no, no, nothing to work out. There's nothing to work out. Go. Get in my fucking, so I leave, right? Like I leave.

I get my, actually I know, I let them, I go back and I did let them run up the numbers. And first they tried to, well, we have another Bronco without the lift kit, no,

no, no, no, that's the one I want. I said, go ahead and run it up. What's the price? So I let them, I had nothing do all day. And I know I'm not buying it.

And so they came back, I forget what, it was like $1, $1,400 a month, something like that. Then they came back and they got down to like 900 a month.

But that was like, it's like a seven year loan on a car. So you let them run your credit? No, no, they're just giving me the, the, oh,

no, you're not pulling my credit. No, I already told them. I said, my credit at the time, I was like, no,

I got a 780 credit score. I was like, so I'm good. I said, you know, and then, well, let's go ahead and run. I said, bro, I'm leaving.

No, no, no, let me, let me, let me get my manager. Let me, let me see, let me see the numbers. Let's do the numbers. I'm like, because you can just tell I can give a flock, bro. I let him run the number a little bit and we went back and I just kind of started laughing.

I said, listen, man, I'm, I'm leaving. I'll leave it. And of course, the great thing is typically when you go into a car dealership, they have your keys. And so they got your keys and they're going to, they're checking your car out how much you're, you know, and they kind of hold your keys hostage in a way. Oh, let me go get your keys. And then they go back and then 10 minutes later, they come back and they go without your keys. Hey, I talked to him.

He never does this. he's going to drop it $2,000. Like, where the fuck are my keys? But that, you know, but that, he didn't have my keys because I was driving like my, I was driving my wife's vehicle. So I'm not even, you know, because I didn't have a vehicle. So, because for, I went at least two years without a vehicle at all. Just because we were working out of my house, my wife and I were sharing her vehicle.

I don't need a vehicle. So you know what? After that, I still didn't have a vehicle for. another year or so. It wasn't until just before we moved in this studio. I went and bought a vehicle.

I didn't even buy... I didn't even buy a vehicle. Yeah, I'm sorry. I had already bought... My wife was driving my vehicle at the time. I had bought a vehicle. I bought a Toyota, like...

I don't even know what it is. Tacoma? Tacoma. I have a Toyota Tacoma. And that's... But that was her vehicle. She's driving. I just financed it.

And then so it was like a month or so before we got in here. That was one of the other things I was disappointed about. I got to buy a vehicle. I really liked not having a vehicle. Did it make sense? Like if I have to, I don't go anywhere. So at that time, so it was like if I need to, if I need to go somewhere, I will get an Uber. And it's 40, I can go anywhere in Tampa for 45 bucks.

You know, I can get all the way from where I live to Tampa to back. and forth like what am i spend 80 dollars like i'm going to have to do that 20 times a month to end up paying a car payment car payment insurance a gas so it's at least 800 bucks a month and i i like not and i i'll probably only use an uber twice a month so i was happy with that and then so i went but i went ahead at this point because we're going to move here i was like fuck man that was one of my big things like i'm going to buy a vehicle and we bought a 2007 uh Toyota FJ Cruiser. Like a Jeep?

2007, bro. It was like $6,000. It was like $6,000. Oh, yeah. This thing's got $250,000 miles on it. You're an animal. Listen, I'm not doing it. I don't need to impress it.

I'm not buying. I'm not doing it. But I know you don't because, like, you're married and you don't rap. You don't have no reason to go show out. Like, if I was, I wouldn't either. No, I don't want to leave my house, man. And I'm old. How old are you?

29. Oh, for God's sakes, bro. It's ridiculous. It was like a child. No, I'm 56 years old. Like, I don't want to leave my house. I don't want to. Listen, we went to the Florida Strawberry Festival last night.

I never been so unhappy. I didn't write any rights. I don't want to be there. You went with the family? Yeah. My wife and her. Her daughter, they're riding rides. I'm sitting there.

I'm just, I don't want, listen, exhausted. I got home at like 10.30, and I'm like, what am I doing? I'm coming home at 10.30 at night. I'm tired. I'm filled with fair food, which always seems like a good idea until, you know, by the third little station you stop and you eat at and you're just like, you're sick to your, I'm still sick to my stomach. Just horrible.

I just, I don't, and I told, I told when we were leaving, I said, looked at my wife, Jess and I said, I'm not doing this anymore. You know what? I said, I'm never, you understand, we'll never. I'll never go to the fair again. Never. You're going to be at the next fair next year. No, she goes, I actually, I know you're, I have said that before.

She said, that is what she said last year. She said, but I understand, I understand you're, you don't like, listen, it's loud. There's loud music. There are, like, no, I'm not fair people. Fair people are, it's a rough crowd, bro. These are some rough-looking people, too. Who are at the clowns? No, no, just the people.

Oh, at the fair. Yeah. You know what? When I went to the La Quinta, which is the hotel I came here and first stayed at. And then you couldn't, you couldn't stay, right? It was two dope fiends. One of them was a fat dike, and the other one was like a skinny dope fiend. I said, I'm at the wrong hotel.

Yeah, I can't do this. I can't do this. I can't. I ended up going to get another rule. Right. Sometimes you just got to see for yourself. Yeah, listen, and you know, here's the thing about my wife grew up in an area very poor. Well, she grew up very poor.

I don't know, Okachow. It's an area called Okachobi. And I'm sure there's rich areas there, but she didn't grow up rich. Listen, she always, always picks the cheapest. And she's like, well, there's this. I'm no, no, no, no. We're not saying there. No, no, but it's super inexpensive.

For an extra $30. for an extra 40 bucks, you know? Like, you can stay in like a nice place. Like the cheap places aren't that cheap, you know? It's like they're, they're $180 for 210. You get a much nicer hotel. Yes. So it's like, well, what are we doing?

It's $30. Like, you'll spend $30. You'll spend $20 at Starbucks. I can't even go to Starbucks anyone. So in one thing, I don't want to be in a bad area. around rough people or anything, but I also don't want to eat at Starbucks. I go to Dunkin' Donuts. I got a Dunkin' Donuts.

It's good. It's better than Starbucks. It's way better than Starbucks. It's $20 at Starbucks. It's $4.80 for medium coffee. I drink a Red Bull. I drink a Red Bull, you know, for a dollar. I'm going to get the same bulls to be out of this world.

No, I can't do it. It tastes horrible. It's horrible. It takes. Once you start drinking it, it tastes good. It's like coffee. if they're sponsoring you. If they're sponsoring you, it's amazing.

Because listen, I live just like that. Well, I wield for that chick. Yeah. I live however you all need. Yeah, exactly. Yeah, I can, my loyalty can be bought. I swear to God, it can't for the right price. And I know y'all got it.

Yeah. If you don't want to sponsor me, sponsored Matt, you know you might look out one person or something. Look at you, someone. That's all to really come down to about the money. Right. Exactly Anybody that would have sponsored anything

For the money I will talk about your product You could sell shit Nah I'm I'm gonna let people know You know I don't know if this is shit or not

But Somebody paid me to talk about this And you might not think it's shit You might think it's gold Do you have an Instagram now Yeah What is it What is it predominantly

Do you have a personal and a business one or what? No, just my. Just your, oh. Once I learned how to work, Instagram, oh my God, I went from making $10,000 a month of only scams to doing $50,000 a month. It was like, just the right post

can change your whole scenario. Yeah. So like I'm saying, Red Bull, we can put together the right post. What are your posts on Instagram? Do you talk about just credit and credit profile or credit? Because, you know, I'm a rapper too, so it would be mostly like,

I might do a skit or it might be something funny. I think a lot of people think I'm funny. I don't really find myself to be funny because I'd be dead serious. Like, you know, and I probably didn't give you all that side of me. Right. But I talk a lot about funky bitches and a scam. I do talk a lot about fraud. But you know, that's what it all come down to.

Money. People really just want to see me show a lot of money. So I'll pull a lot of money out. But to me, it's crazy. crazy because, like, I feel so much better with that money in my bank account. You know how unsafe I'd be feeling right around? Like, 100,000. Like, ooh, wrong person catch me today.

It's going to be a rap. When I was younger, they used to be normal because, you know, we're getting all the money in cash for now. I make more off legal ventures than anything else. I don't really need to do anything else. I'd just be chilling. I got another business with credit. I fixed the people's credit.

You know, I found out. People will pay you. to fix that credit and get credit cards in that day? Yeah. This is insane. Why have nobody told me this? I was doing it illegally and then found out. I can get 25%.

Most people do like 10, 15. I want 25 because it's a lot of work. But also, most people want you to already come. Like, with a cool credit score or whatever. I'm going to pay to get whatever off your credit report we need to get off. I'm going to pay the people. I'm going to pay the ad to primaries. You could come to me with a 500 to $1 to $1.200.

too much you're going to have an 800. Then we're going to go get all the loans. We're going to get all the credit cards. What you do is up to you. I don't care what you do with this money. If I can get you $200,000, get 25% of that, listen, I'm going to go do that every time.

And people will be all on my phone. When is going to come? You know, because these people ain't never had $200,000. They never had $100,000. Right. So they're going to call you every single day. I will deal with that. For $50,000 a person, I'll deal with it every time.

And that's most of my life. That's where most of my money comes from, though. Like, only scales to be cool, like 50 a month. This is 50 a name. That's like, I love this to death. Yeah. You should start it. No, good.

I don't feel comfortable at all. I can't be back in front of a judge explaining anything to him. But what you're doing illegal? I don't know. It doesn't sound good, though. It's legal, though. Like, this is people paying you to tell them what bank to go to, and you need to do this, do that, and do the third.

You should pay the money back. Most people should, yeah, most people you hand them that, they're just going to make a bunch of bad decisions. And that is your choice. Yeah. That is your God give it right. If you want to go buy a hellcat, that is your God given right, and I'm going to get it for you. What is a hellcat?

A charger. Oh, yeah, yeah, yeah. Okay. They love hell cats. They're nice. So many people just go get a hell cat. I don't care. Listen, I don't need a hell cat.

as you know what I also realized buying stuff like Hillcats or make people come to you and spend more money with you. Like, I don't really care about no clothes, about no cars, about no houses. I just be chilling and I want the money. But I realized I have to spend the money

to get the money. Because they're going to think I don't got the money unless I show the money. Even if I go pull out a million dollars, they get me like, eh. Could be probably fake. Prop money. Yeah.

You got to spend it. Do I got a prop car and a prop house? I mean, I guess some people do. shit they ain't got a paper uh well maybe they can you probably can fake everything i'll probably should have did it that way yeah you can fake everything right i should have did it that way yeah you can fake every yeah you know look at these instagram people look i i one of my favorite instagram posts is uh where the the chick says you know the the way to make a hundred thousand dollars a month on instagram is the first thing you do is you post a video about how you make a hundred thousand

and that's really what it is. Like get yourself on a yacht. Get yourself in front of a goat. And here's the thing. People are like, like, faking a super wealthy Instagram person, right? Like, they think they'll get the stacks of money, stacks of, like, like, all the fake jewelry and fake. Like, you don't, you can have nothing put on a conservative outfit and you can walk downtown. You can go into the Marriott.

Right there. where all the boat slips are and all the mega yachts are, or you can go to Harbor Island, and you can get photos of you standing on the dock with the yachts behind you. There's a good chance if you kind of walk back and forth, and there's people on the yachts, somebody will invite you on, or if you ask, hey, can I come on board, take a picture of me on the yacht?

They'd be like, absolutely. Let's show you around the yacht. They love to show off their yachts. Or you go to the Marriott, go into the lobby, You ever been in the lobby of the Marriott's downtown? It's amazing. It's phenomenal. You walk down there, take photos of yourself.

Just take some photographs. Put those all on Instagram. And after you've got 20 or 30 different locations over the course of a month, people will believe anything you tell them. You could go into a car dealership, sit in the car and take selfies of you sitting in the car in the dealership. Nobody knows you're in the dealership. Yeah. Of a $200,000 Porsche. anything. They don't care. They get it all the time. You do that. You can build a completely fake page.

You really just got to wait and see. If it's real, the person is going to be able to keep uploading the same thing. Did you know that there are people that have fake the inside of a fake jet built in a studio that you can pay and go and you can do a little bunch of Instagram little things, a little bunch of selfies? You can even rent it for an hour and do like a 15 minute conversation. of you and somebody else, and you're sitting there, it's quiet. And then when you put it into Final Cut Pro, you can drop airplane noise in the background as you're talking to the person. Like, you know what I'm saying? Like it's complete and complete fake all, and it's absolutely looks real. There are people that have complete and complete fake pages. And the moment it looks real, people start asking what you do. And then what do they do? They can end up saying, well, listen, here's what I do. And if you send me $600. Yeah. I'll send you.

you back $2,000. You don't, you know. And that is called a scam? No, what's the other name? Junkin. Junkin. Jugging. Jugging.

That is Jugging. Jugging. That's a made up. Jugging. I mean, we made the word of it. Yeah, come on. Can't expect me to know made up words. Hey, you guys, I appreciate you watching.

Do me a favor. Hit the subscribe button at the bell so you get notified of videos just like this. Also, please share the video to anybody that you think would be interested. Also, if you want to get in touch with bandgang Javar, we're going to leave his links in the description box. So you can click on there. There's a website, Instagram. Do not send this man, you know, $600 because he's going to give you back $6,000. We're not doing that anymore.

I'm not asking for that, by the way. We're not, yeah, yeah, no. This is for advice on fraud prevention and other business ventures that he's got going. We're going to leave those links in the description box so you can follow him and get in contact with him. So once again, I appreciate you guys watching. Thank you very much. If you want to be a guest, you can go to, we're going to leave a link for our website where you can click on that. Go to our website.

Go to the Be a Guest page. You fill out like a, I think it's like five or six questions and leave a short video. We'll get back in touch with you as soon as possible. Did you see the one I sent you or the guy? I don't watch it yet. Did you see it? Oh, sorry. Somebody filled out a guest thing and sent a video, like a three-minute video,

and then contacted me on Instagram and was like, listen, man, and he gave me his name. I'm not going to say his name. Listen, bro. He said, I just sent in an application. I'm being honest with you, bro. I was drunk. He said, I was at a bar. I was sitting on the toilet in the fucking in the toilet stall or something like that.

And he's like, and I filled out the application and left a video. Bro, he said, please disregard. He's like, I was super drunk. Please disregard the whole thing. And he's like, keep up the good work. So I thought it was hilarious. I sent it to Colby. I said, this guy's crazy.

That alone, he almost wanted to have him on. All right. So once again, thank you very much. See you.