Matthew Cox | Inside True Crime Podcast - Credit Card Scammer Makes Millions Living a Double Life

Episode Date: February 26, 2025

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One of my best friends is a U.S. Marshall. Nobody knows that I'm a scammer. So I was charged with bank fraud, wire fraud, aggravated identity theft. My mindset is, bro, I'm coming back with a vengeance. The girl that I was talking to at the time, she's like, hey, listen, you have the gift of gab. You know, I know you got this college degree. Nobody's really hiring right now because of this recession thing that's trying to blow over. This is in 2010.

And she's like, hey, look, why don't you just come? I'm working this collection agency, right? So I'm like, all right, cool. Yeah, I'll try. There's no shortage of collections. I'll try it out. I see what's going on. So in my mind, I'm thinking bill collector the whole time, right?

That's what I'm saying. Yeah. I'm thinking bill collector. So the pay wasn't, it wasn't that much. I think it might have been $12 an hour at the time. Like I said, this is 2010. And I'm like, all right, cool. So boom.

Go to the collect. collection agency, my first month, I made a bonus, because what they did was they paid you 25% of whatever, okay, so you had a goal. Let's say your goal is $7,000, right? But you collect $10,000. It's 25% of the $3,000 over is what your bonus would. All right? So my first bonus was $2,000, you know, plus the $12. Plus my $12 an hour, right? So I was like, it can't be this easy. So what we were doing, we were collecting on payday loans.

Okay. Online payday loans are like Ace Cash, stuff like that. So I'm like, man, this is pretty sweet. So. That's like $85,000 a year, $85,000 a year. That's on the low end. That's on the low end. That's on a low end.

Like if you're just a trash collector, like, you know, you might, you, you know, trash collector's clear. 60. Right. But I actually, so I actually got in the character with this stuff, right? So I had a shake name, right? I had a shake name and I will also have a close name. So whenever I called the people, it would be like, ring, ring, ring, ring, ring, ring, hello. Hey, this is Victor Royi. And so this is a thing too. You have to, you, okay, so look, this is how the collections used to work, you had to abide by the FDCPA laws. Okay.

So I can't call you and say I'm the sheriff. I'm not the sheriff. I can't call you and say, I'm anybody that I'm not, but I can be a process server. Okay. Anybody can be a process server. You, me, Kobe, anybody, right? So that's what I would do. And I will also use different lingoes to be like,

let's say like Lakeland County, right? I would never say I'm with Lakeland County. I would always say I'm within Lakeland County. You understand what I'm saying? So I will call you. It'll be something like this. Boom, you answer the phone. Hey, hello? Hey, Matthew, I wouldn't even ask if there was a mail on the phone and I'm calling a mail, I would never even ask. Is this? Because I'm giving you the opportunity to lie right right so when i call you is hey matthew yeah yeah hey how are you this is victor roohy i'm calling um i'm a process server calling within lakeland county i've been trying to reach you at such and such address and at uh whatever place of employment right i have a formal complaint that i'm trying to serve to you and i've been unsuccessful in doing so well ain't nobody tried to serve me

well I went over there two days ago blah I'm lying right I went over there two days ago yeah I went over there two days ago and then also what I might do too is call your employer ahead of time right so I might call your employer and be like hey what's the protocol and procedure for me to serve this individual at the place of employment I'm trying to be discreet da da da da da oh it's da da okay what's your name ma'am oh my name's Cindy. Okay. So now I know that your boss is Cindy. Right. So I tell you that over the phone as the process server, right? And I got this stern voice. Yeah, you need to call 855, da-da-da-da-da-da, right? And I bang it on you. Hang up the phone. I don't give you any. You don't get to know any additional information. I'm just a process server. All I want to do is get you served, right? And I'm

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weeks, ORA will tell you if any of your personal data is exposed. You don't want to wait for your data to be leaked to realize you need protection. Do yourself a favor. Go to Aura.com slash Matt to get your free trial and start protecting what's yours today. So what do they do? Call. And you answer is the other person? Oh yeah. Hey, how are you? This is Brent Horton. Hello? Yes. Okay. yeah man they gave me a case number and mind you now let's say that I wasn't able to get in contact with you right

and I spoke to maybe your mother because you know we had skip tracing you know we had Lexis Nexus Nexus and stuff like that accurate Lexis Nexus and all that so I had to skip tracing so I'll call all your family members really before I call you too they know you're out they know it's something's happening it's out there somebody's told called you they said hey

I'm leaving voicemails on their phones I'm all also contacting your mother, father. I'm talking to the auntie that you haven't spoken to since the family reunion five years ago. Right. You know what I mean? Hey, Matthew, you need to call these people. Then it turns into, hey, the police looking for you. Yeah, yeah.

You know what I'm saying? Because it goes from process server to the police, right? So they called back and I collect on it, you know. So what we did was we had green money and blue money. Green money was money was money that day. Right. And blue money was post-dated money. So let's say that my account for you was $500, right? Me personally, I would always put like an extra $200 on it. Right. And that's just to boost my, you know, that's just to boost my bonus. Right. You know what I mean? And guess what? I need that today.

Right. no i need it today right yeah yeah yeah oh well hey i can't do anything to date sir i need something to date matter fact give me a second let me let me put you on hold let me go speak to the attorneys let me see what they can do i don't even know if they can do anything for you at this point in time um you know if they can't i'll go ahead and get uh who'd you say if some guy roy he i'll get oh victor yeah i'll get because of course it was me yeah i'll get victor to go ahead and get you served, you know, probably at your place of employment, you know, and we go ahead and get this thing in the court.

Man, hey, did you see what you can do for me, man, please put him on hold. And I swear, I'll let them sweat. I sit there, I'll let them sweat. I'll keep them on hold three, four minutes, come back. Hey, listen, your account is showing $700, and they're saying that needs to be paid today. What I can do for you, Mr. Cox, is I can go ahead and, you know, I can get half of that in today, and I can go ahead and get the other half next month. Hey, look, man, I can give you $200.

Absolutely. All right. So, on my end, absolutely. I don't know, sir. Let me see what the attorneys have to say. I know I keep putting you on hold. Just one second. You know I'm taking the green money.

Yeah, yeah. That's green money. That's for today. That's guaranteed. So that's what I would do. And then I would just post date the remaining 500, you know. So it would be, you know, I say the count might say five, but I put seven on it. And he gave me the two today.

I'll post date the remaining 500. So it would be 250, 250. Sometimes I split it up, you know, give me 250 next month and 250 in March, right? How often do those checks go through? They were clearing. Oh, all of them? Okay. That was that. So at that point in time, we were taking checks, too. We were taking, writing in account numbers.

But the green money would be. Well, the green money is good now. Like, I get, you probably get that. I'm saying when they say, hey, the green money is on the card. Right. Oh, okay. I didn't know how you did it. So, yeah, we're processing the card right now. Right. Yeah, we're doing the green money. I was thinking, I was thinking like you were maybe printing check, you know, like the check. You know, yeah. They used to do the checks. No, we would. So, so we would put a check in account on file. But what we started running into was. that that stuff would start bouncing. Right. You know, and that was another thing, too, though. So I had a script, right? My script was not just a shake, but my closing script, you know,

hey, look, I see here you were with Woolfors Bank. I see your, you know, your bank account went into an R-O-1 status, which means insufficient funds or a closed bank account. our client here CMG group they feel like you tried to defraud them like you took their money and you tried to defraud.

They're fraud in there. Sounds like they're going to get arrested, right? Like this could be a fraud charge. Well, you did. I said could be. Well, what you did, Mr. Cox, was you did agree to pay the money back in a check form.

Right. and you didn't adhere to that. So, me and my client feels like you tried to defraud them. It feels like you took their money and ran. I'm not sure exactly what happened. Oh, I had this going on my account. I had to change over, like so many stories, you know. Right.

But the best time to really, the best, the most money I was making around the time was like tax season. Man, they didn't care. You know, they get $7,000, $8,000 back. They're paying that little $5, $700. They don't care. I just don't want it to, you know, mess with me. And, of course, you know, I made them feel comfortable. Hey, listen, I'll have my HR send you out a letter showing that you've paid this and da-da-da-da.

Man, we didn't have an HR to do that stuff, man. But it was very lucrative. So I did that, I did that for about. Four years, actually. Okay. Yeah, I did that for about four years. It was really, really good. I put a lot of guys on, like, a lot of guys that I was friends with that I knew could actually, you know, talk.

Right. You know, and, yeah, man. Did they teach you that hustle, or did you kind of develop it? Like, did they have you like, hey, this is our basic script? And you're like, let me see how I can twist this and make it. No, I wrote my own scripts. Yeah. Yeah, yeah, I wrote my own scripts.

Yeah, like I said, I got in the character. When I was at work, I was behind the phone. So you can be anybody you want to behind the phone. Right. You know what I'm saying? Like, you could be anybody you wanted to be. So when I wanted to be aggressive, I was Victor Royhee. When I wanted to keep it cool, I was Brent Horton.

Yes. Sounds like a mad, sounds like a mad duck situation. Where did you get that idea? You just kind of like, hey, like, I think this will work. Well, you got to, so in collections, you can't think of it as, being a collector. You know what I mean? Well, I never did anyway. You know, I didn't think about it as being a collector. I thought about it as, you know, getting the money. That's what it was. That's what it was about. I have a $10,000 goal. I need to be $25,000 up, you know, and then my next month

for blue money, I need to be, I need to come into the next month at $15,000 or $16,000, you know, already at goal. You know what I'm saying? And collect on that as well. And that, That's essentially how it went, you know. When you're collecting like that, you know, it's, you never, you never want to start the next month off like under, I never did anyway. I didn't want to start under gold. I wanted to start over gold. Every month I needed my stuff well over $10,000, at least $15,000,000,000, and that's

pretty much what I did. So I did that, it was good, it was real good, it was lucrative. And at the time, the guys that I was actually working for, they used to work with me. So they opened up their own. So we went from like 11, 12 people, right, taking $50 payments, like taking the low end, just to like build up, you know, to, man, I think we had like 150 people, you know, when it was all set and done. so this is 2014 all right so 2014 this is around maybe uh may 2014 we going to work and when we going to work um the boss is like hey you know hey y'all got something to tell y'all um shutting the doors I mean, this is out of nowhere.

Right. Right? And I'm like, wait, what? Shutting it down. It's shutting the doors if you're not making any money. How is that possible? Mind you now, 2013, 12, 13, leading them in the 14, we're making $1.2 million a month. Right.

Collecting. So how's he shutting the doors? So. He's got to do some prison time? Nah, no, no. No, he didn't do that at all, at all. So about maybe about a week before that, a week, let's say about a week or two before that, the FDCPA came in and we started doing training. Okay.

So, you know, FDCPA, these are the people, anytime you're trained that way and like a bill collector calls you, that's the bill collector that says, hey, this is an attempt to collect a debt. Right. We were never saying that. Okay. We weren't certified. So now North Carolina law is like, hey, y'all getting these complaints through the attorney general in North Carolina, right? X-Said companies getting these complaints, right? So y'all need to go ahead and be FDCPA certified on paper, all right, and abide by that to stay open.

So he brought him in for like a week. And then I guess he was like, yeah, no, I ain't going to do it like that. You know what I mean? Like, so he literally, I mean, dude, I'm telling you, it's a hundred people down. We went straight to the unemployment office same day. Right. Right. So I'm thinking to myself like, golly, man.

Like, it's over. But there are other collection agents. So when you're in that field, you know the people that own collection. agency it's like an underworld right sense you know what i'm saying like oh yeah i know such and such has that collection agency and he does and he does and he does so yeah you could have bounced around and work for different agencies and stuff like that but it's like ah you know they probably not going to pay you what what you're going to get paid and the paper well i call it paper but it's the portfolios probably aren't that good they're probably stepped on stepped on meaning like um it's already been

through one collection agency they couldn't get anything One, maybe four. Okay. Yeah, man, I already heard this already, man. Get off my, get off my phone, man. Right. Y'all playing. And y'all still calling me, man.

That was 2007, you know. That's seven years ago, man. I don't care about all, you know. So somebody calling me from 2000 and, from 2000 and like, was it four? No, no, 2000. Recently? Yeah, recently. From 2002 and, I want to say 2002.

Yeah. And I was like, 2002. Like, I was like, when I went, I said, bro, that's, that's over 20 something years ago. Yeah, yeah, yeah. What are you talking about? Yeah, they're still trying to collect on it. Yeah. I said, I don't know what you're talking about.

And it's sad that somebody, it's sad that somebody even paid for that portfolio. Yeah. That's terrible. Yeah. I would never. 2002? Yeah, it was like 2000, because I remember thinking, and then I asked them, they said, well, we, you know, we've mailed just stuff. And we've been, and I went, where?

And they were like, 400, 5. East Amelia and I thought that's a house I owned in Ebor City 20-something years ago right and they were like they were like well you know it's so the debt is 13,000 we're letting we're allowing you to saddle it today for five for this is like nine or seven or something and I was like give you seven grand on a fucking 20-something year old debt I would have gave him a bullshit card a what bullshit card one of my old expired cards yeah here you go I got a card for you right now man just put it on file it'll be there tomorrow They were telling me, they're, well, you know, we can, or it's going to be, it's going to be handed over to the, to, they're going to file a, in the courts. We don't want to have this to get to the courts. Oh, yeah, that was me. Yeah. That was me. That was me for sure.

So, yeah, man, we all go down to the, to the, unemployment office and file for unemployment. And so, this is where I'm kind of introduced. reduced to fraud, right? So, but mind you now, I will say this, too. While I was there, right, I was, I used to write down socials here and there, like, ah, man, you know, just, you know, on my little sticky note, like, ah, that's an odd thing to do. Man, you know, wonder what I could do with this thing.

But I didn't know what I could do with it at the time, because I never really tried to tap into that you know i was i was by the book uh for the most part when i was when i was with the stripper though yeah i did get locked up for uttering a forged instrument okay in ashville north car well out of asheville north carolina i met up with some some african guys and we would take some trips and go to the pigly wiggly and uh pigly wiggily yeah that's a that's a i know it yeah yeah you know it yeah you know what pigly-wiggly is. So, yeah, we'll go to the pigly-wiggly, and I would cash the checks.

And, you know, back then, you could cash the checks at the grocery store. So they gave me straight cash, boom. Now, where he messed up with how I got caught and how I found out I got caught was he didn't change enough numbers on my license. You remember the old license? Yeah. You know, those were just like PVC and like a piece of whatever, you know, like just it was it was very simplistic versus now yeah very much so so he didn't change enough

numbers on there um they end up coming back and you know what i didn't even know i had a warrant out there i got pulled over for speeding right going to get the girlfriend from the strip club get pulled over all right and um dude like hey man you know uh he said man i ran you through the ncic you know you got a um you know you got a warrant in Asheville in bunkum county absolutely not for what i'm saying it's crazy yeah uttering the forage instrument do you know some Nigerians man sir what's that

it's it so yeah uh but end up getting out and um it wasn't a felony they just wanted me to pay um so actually only one check came back right so I just had to pay it was like $300 paid that misdemeanor

cool so boom back to 2014 though we did that and one of my homeboys that was actually living with me I had two of my homeboys that worked at the collection agency living with me at the time right one of my home boys he knew somebody that could do like the transfers with Bank of America right so I'm like all right cool I don't you know I don't know so but first first you went and got on unemployment.

Sure. Okay. And then you've got a bunch of social security numbers. I'm not doing anything with them. Okay. They just sitting on sticky pads. Right. Right.

Sitting on sticky pads. And so I'm like, ah, I don't know what to do with them, right? I just got the name, the social. Cool. All right. So my home boy, like, listen, I got a quick, you know, little money thing we can get, you know, we can do. And I'm like, all right, cool.

Let's do it. so he does it and it's successful mind you now what is it so they're transferring they're transferring the I guess like from your account to his right right and it shows up but it goes away or something like that

I didn't really indulge in what they were doing I just knew he did it and and he didn't pay the people that he was that did it for him right but he split it amongst us right so we all got like 3,300 a piece and now at this time now I'm dealing with this girl that lives in Houston so I'm like you know what I'm about to move to Houston so me and my homeboy pack up drive from North Carolina to Houston get out to Houston because she's she was an HR for her job at the time and she's like, look, baby, I got job interview for you.

Boom, boom, one, whoa. All right. I clear my job interview. I've been telling him, hey, bro, you got to stop smoking. You know, he's still smoking. So he fails his drug test. I pass mine. I passed the typing all that stuff, right?

It was for a logistics company. And I get the job, but I don't want to leave my home boy. You know what I'm saying? I'm like, ah, I'm like, dang, I'm like, so we come back to North Carolina. We go back to North Carolina, all right. So when we get back to North Carolina, he ends up moving to Orlando with my other homeboy, right? They take their money, leave me, and I'm like, dang, maybe I should have left him. You know what I'm saying?

Like, hey, bro, you know, I'm with the bros, you feel me? So they leave me. They come down here to Orlando. They come to Orlando. And that's when I'm introduced to the dark web. So if I would have known what I know now, I would have kept all my Bitcoins. Right. All of them, you know, because, man, we were getting Bitcoins for the, we would, we would pay $300 for 20, 30 Bitcoin's at that time.

You know, it was fairly low, you know. so they have so they end up meeting some guys from new york out here in orlando and um they have their little thing going on uh with the cards right so what they were doing was they had the reader and writer right so they had a reader they would take the card they would take your card number put it on a strip all right and they would go and make purchases. All right. This is, uh, do they still have Win Dixie out here?

Yes, they do. You remember Win Dixie? Yeah. So that's where they, they was, they, yeah, they were, they were banging Win Dixie out, too. You know, but the thing was, uh, they were guessing, because I came down here for like a week and hung out with them and, uh, saw what they were doing. I mean, these guys, they massive, massive piles of just like gift cards and stuff like that. and I'm like, dang, I'm like, bro, do y'all even, like, y'all just guessing, right?

So what do I do? I say, man, how can I make this better, right, instead of guessing? So I come back to Charlotte. I started working at another collection agency briefly. This is after the unemployment ran out. I started working for another collection agency. And in the midst of me working for that collection agency, I started doing my criminal mischief.

All right. So this is what I started doing, though. So let me think, was it? Yeah, all right, lending tree was out. So this is before credit karma and all of that stuff. So what I would do was I would check the person's credit ahead of time, right? Check their credit. Now, this is in 2014, yeah, into 14, 15, where, like, people, you're not really, at that time,

you're not really keeping up with your credit like that. You know what I'm saying? Like, you don't have alerts on your phone, like credit alerts, you know what I'm saying? So I would check the person's credit, see what credit cards they didn't have, and then I would apply for the credit cards. cards that they didn't have, right? So I would know the limits, right? And now the only bad thing about that was I would have it sent to your house.

All right. So I would have to know your mail schedule. So I could get your mail before you got it. Do you have to go sit in front of the house or you're just going to check in like that's, that's scary. Having to walk up, pull up, stop, get out. Get out. I ain't getting out.

I'm the mail man. So I'm not getting out. I'm the mailman. So that's how I actually incorporated myself into the fraud that I started doing. So boom. All right. I have the lending tree going. All right.

I'm checking your stuff. Okay, you don't have Amex, Discover, Capital One, Chase. And out of the platform. Well, first I checked your credit. what you couldn't and then I pre-qualified you right so I never really went in the blind and the reason why I had because I had a few trial and errors what would happen was you know a denial letter would get sent to your address so let's say that you didn't qualify for Amex but I'm like oh you have a 680 or you have a 700 just because you have a 700 doesn't mean that Amex is going

to give you a credit card right right so I would start seeing you. denial letters when I'm getting the cards and I'm like oh whoa okay how can I bypass that let me start pre-qualifying to see I also ran into like I also ran into hiccups with with getting the cards whenever I would do more than like four in a day so if I try to do like four credit cards in your name and one day, one of the credit card companies would kick it out, no matter, mostly city bank, city bank would kick it out real bad. Like they, they like, yeah, no, too many credit card inquiries for the day. Right, right.

Or the month, whatever. So, boom, I started doing that. So I'm getting the credit cards, and I had a few different trials and errors with the credit cards, all right? So I get the credit card. I activated, I'm like, oh, yeah. And mind you, now, this is when, like, with Capital One and Discover and stuff, you could just call and set the pin up instead of them sending the pen in the mail, right? You could just call, set the pin up over the phone.

So that's what I would do. First day, boom, activate the card, set the pin up. I'm going to the ATM. Baby, I got 15,000 in Matt Cox's name. And it's saying that I can get 75. $1,900 cash. I'm going to the ATM. I need that.

Because, you know, at that point in time, we didn't have the cash apps and stuff now. We didn't have VEMO, cash apps. It was hard. So I went, so this was one of my trial and errors. I go to the bank, I mean, excuse me, I go to the ATM, put the card in, put the number in. Mind you, I just activated this card 30 minutes ago, maybe 40. Right. Decline.

Nothing. Yep. Locked up. Card locked up. I call the people. Hey, I just got my card in the mail. I'm trying to figure out why, you know, I got denied for a cash advance. Oh, sir, I mean, that looks like fraud. I swear. Yeah. Yeah, the lady over the phone, when she said that, I was like, oh, okay, I was like, no, she was like, well, look, this is what you can do. You can send this in because this was Amex, actually. So, you know, Amex is the worst. They want you to send driver's license number in and proof of residence and all this stuff. So, of course, I couldn't send that in. So I did that and I'm like, okay, well, how, you know, how can I, get around that because at the time i don't i you know i'm not doing the id thing yet i don't you know i'm not i'm not um sophisticated this is like my first round right you know so i'm just buying little dumb stuff at walmart doing you know just just buying uh gas just just just little knick-knack stuff i'm not i haven't gotten built up yet to do anything all right come back down to orlando all right my guys they've gotten a little bit more sophisticated with what they have going on so now they have the uh what they call an embosser okay so now what they're doing is they're embossing

their names on the gift cards okay i'm like bro what yeah they little thing is make a little noise you got to line it up just right and they're embossing their names on the gift cards and also matching the last four, right? They matching everything. So I'm like, okay, I need to get an embosser then. However, I'm clicking in my mind like, wait, but how am I going to emboss my name on somebody else's card, right? Because your name already comes with your, you know, your card already comes with your

name on it. What I did was I started, I bought a flat iron, like the one that the girls used for their hair, and I started melting the card down. And it'll melt. So I melted the car down and I used a, like a brillo pad, scrape it right off. And then I would emboss my name over the top of it. Okay. Yeah.

But when the receipt came, it says Matthew Cox. Yeah, yeah. Yeah, not me. So I started bypassing with that. And then that just was that turn from little purchases into a few more big purchases. going to the mall here and there. And so what I did start running into was spending ability with the cards, right? So I, you know, I might go and try to make a $600 purchase decline.

That's my card decline. And I got $12,000 left on the card. You know, all we've been doing is eating out, you know, buying liquor or whatever, you know. So I had to sit back in. think i say god lee what you know how can i how can i get past that oh treat the card as if it's mine so once i start doing that make a payment no not at all just say you make one one or two payments these people no no no i'm burning this card in a month oh okay because you don't want them to get the bill in the mail you could go paper paperless not at that time no no not yet not yet not yet not yet not yet

Not check. Well, maybe. Some car. They're probably slowly switching over. Yeah, this was before the chip. Yeah, I ain't even have a chip yet. This is just straight slide. Right.

So, yeah, so I was like, all right, instead of me treating this as fraud, right, let me go ahead and start treating it as my own. Now, I'm still at the collection agency, and I'm like, you know what, I got enough money. I'm going to get my own collection agency. because the people that I was actually, like, taken from were people that were on my accounts. See what I'm saying? So it could kind of come back like, well, you know, if we went back and looked. So I'm like, well, let me just go ahead and get my own collection agency. And then I, so because I could get my own skip tracing service with the collection agency.

So that's what I did. I got my collection agency down in Rock Hill, South Carolina, because the FDCPA laws were different. I got TLO, right? TLO was through TransUnion. Now, TLO was so in depth with everything. I mean, this thing would tell me square footage of your residence. It would tell me who the lien is, I mean, down to your license plate number on the car that you had in 95. if it was registered to you.

You know what I'm saying? TLO was so in depth. So I'm like, yeah, cool bet. All right. So I got the collection agency up and running. It's, I mean, it's doing all right. You know, about, what I had? About 10 people in there, 9 of 10.

9 of 10 people in there. Everything's going well. And I'm just like, yeah, this still ain't enough. Right. I go back to doing what I'm doing, right? Go back to doing what I was doing. Because I stopped briefly, jump back into it. But when I jump back into it, this next time, this is in 2015.

When I jump back into it, the next time, it was just all systems go. So I started hitting, and this was my mistake too, I started hitting everybody on the same street. Right? So I was, all right, so this is what I would do. So the way that TLO works, right, I can have your phone number. And if your phone number is registered in your name, the only thing I have to do is put your phone number in and it's going to come up with your name on it

and I can see everything about you, birthday, social, relatives, possible associates, neighbors, everything about you, right? So what I would do is I would just go to a prominent neighborhood, right? Type their address in. That's it. Now I know who lives there.

right right so i'm like okay cool i'm gonna i'm gonna do this house this house okay they they're not at home they're not at home they're not at home um i figured out the postal routes so when you say you were the mailman like what are you doing are you just walking through the neighborhood and the man outfit what you no no so what i did was um so when i said i was the mailman what i what i did was on eBay I bought the like the rural mailman thing right go on the car so I didn't look out of place

when I went to the mailbox okay so I looked like what do you mean the rule what do you mean the so if you ever go to like a rural place they do mail service out of their personal vehicles right but so they have like you can buy something that says US like you're the

Is it sit on the car? Yeah, it's a magnet. It's a magnet. So, I mean, is it slap up against the car? Is it sit on the top? On the top. Okay. Okay.

I didn't know that. Yeah, yeah. I mean, I've seen people do it in their own vehicles, but they usually have, like, they'll have like a Jeep and they have like a magnetic thing stuck on the side, but it's like a regular car or something. Yeah, that's what I got. Yeah. That's what I had. But I usually saw the magnet on the side, not on the, not a, well, it was, I had one that stuck on the top of it. Oh, okay.

yeah so but then again this is oh this is on i was going to say this is rock hill there's a little no no this is in charlotte oh in charlotte okay oh yeah i'm in charlotte yeah i'm in charlotte doing that we're going to say rock hill's a tiny little town right yeah i'm in charlotte doing that you're just scoping out you're literally sitting in the neighborhood for a couple hours or 30 minutes You wait until like the real mail mound goes by and you swing him behind them. Oh, absolutely. Yeah. And then, so I also knew the pattern of the credit card people, right, which was if I did,

if I did an application on a Monday, I knew I would get it back on a Monday or maybe a Tuesday. You know, I never did anything. I like to get them in the beginning of the week. so that's what I would do I would apply for it for your applications on I would I would make a fake phone number on my phone this is like the text apps and stuff make a fake phone number fake email all right and I would do it like on a Monday or Tuesday because it would come back in seven days it would tell me hey you know your card is on the way this is on like maybe a Thursday your card is on the way da da da so I know what day to come pick it up

Right. Boom. Pick up your card. And so this is when I started like being the person. All right. So I get the card and I figured out like, okay, if I do go make a big purchase, I need to call a Discover card. So that, and of course I have the number on my phone that's registered with your application. Right.

So that's what I would do. I would call Discover card. Hey, how are you? um this is matthew cox i'm at louis viton right now i have here with the uh lovely lady uh brittany and i have a purchase for 1,623 and 84 cents um i just wanted to stay on the phone with you uh that way you know my my car didn't decline okay no problem mr cox uh yeah you have more than enough available da da and so at the time i didn't have the IDs yet so i would have it on speaker so she could hear it, I ain't really got to show no ID.

She know, you know, clear. I was going to say, I've done that before. I've been, like, listen, I'm going to buy something for $2,000,000. Like, I don't want to get up there and be declined. Right. And they'd be like, okay, well, how much is going to be a move? It's going to be under $2,500. And they'd be like, okay, you're good.

Yep. Because, you know, because you maybe had done it before for $1,000. Oh, man. Oh, man. Amex. Listen, dude, I have went to Walmart with an Amex, fresh Amex. $20,000 or like the green card,

gold card, whatever, you know, the titanium. Yeah. I've been meaning to apply for one, but bro, I owed them so much money when I left. Like, American Express keeps sending me these pre-approved American Express. Absolutely. Not American Express. I'm sorry.

Oh. No, I want to get an American Express, but I owe them a bunch of money. But I also owe... Capital One. No, Bank of America. So one of the people I owe money to is Bank of America. I own like, whatever, one point. $2 million or something ridiculous.

And I've actually gone and opened up a bank account when I was in the halfway house. I went and opened up a bank account. They let me put like $1,000 in it. And like two weeks later, they mail me cashier's check back for the $1,000 and closed my account. And then don't tell you why. They're like, you can call this number.

But if you call the number, they're like, it's up to us, we're allowed to do it. Chase did me like that. But see, they're holding resentment. Yeah. Chase did it. Like ARDAP, right? They're holding resentment because I don't.

That was years ago. I'm like, why are you holding resentment? And that's like, that's the past. Yeah, Chase did me like that, man. I was like, where is this coming from? Yeah, they sent them back. Well, you owe us $1.2 million. Oh, are you still on that?

Are y'all still on that? Golly. But so, yeah, so at this point in time, I'm using the card as if it's mine. All right. I meet this girl and come to find out she's doing fraud, too. but she knows how to make the IDs. Now, this is when it got good for me because now I have IDs to go with the car,

any card that I need. The relationship made in heaven. Man, golly. It was amazing. No, it really was, man. I ended up, man, I bought that girl with a range rover and some more stuff within this mix, man. I really did.

So, boom, all right. I meet her. She's giving me the IDs. So now I can go anywhere and do anything at this point in time that I want to do with the cards. And I'm doing it. I mean, man, I got my cousins, my dad, everybody. I got them in Vegas. I got them in Miami.

We in Puerto Rico. We, man, we are taking crazy trips. I mean, everywhere. And I'm paying for everybody. I mean, everybody. Oh, we're down at live one night. Yeah, the table's going to be $7,500. Oh, that's it?

I got $60,000. Listen, I got $60K. Yeah, I came out here with $60K in cards. You know what I'm saying? So I also transitioned to knowing that I had to wait a week and a half. I had to wait, yeah, I had to wait 10 days in order to start using the cards at the ATM, right? So that's what I did. And what I would also do was when I did use the cards at the ATM, I would go to

the ATM at like 1158 take 500 from this card let's say I got three cards take 500 from all three wait two minutes three minutes 12-01 take 500 more right and because I'm trying to clear this card in a month that's my that's my objective I got to clear this card in a month because I'm not paying a bill and when these people find out it's going to get cut off right so I'm trying to expense. I'm trying to like get everything, right? All right. Fast forward, I end up meeting somebody that works in the bank. That made my life so much easier. So if the car did get locked or anything, but I mean, if the car did get locked, what I would do is still call, hey, this is Matthew Cox. I'm trying to figure out when my car got locked. Oh, it's showing a suspicious

thing, da-da-da-da-da, because that happened to me one time in Arizona, actually. It happened to me in Arizona at a hotel. The girl ran my cart twice for the same thing, and it locked my card up. Mind you, I'm out of town, but when I used to go out of town, I had to find out very fast that when you go out of town with these cars, you have to put a travel notice on it. I didn't know that, you know. So I found out quick, okay, put a travel notice on this thing, but she messed my card up, So I call, hey, you know, this is such and such.

Okay. You know, I'm just trying to get my card unlocked, trying to make a purchase. So they run you through like the questionnaire. Okay. Have you ever owned property in Ebor City, 38, 38, EBoer Drive? Yes or no? Yes. What year was the Chevy Monte Carlo that you had in 98?

I mean, excuse me, what color was it in 98? black but I had all the answers right because I had TLO yeah so it was nothing for me to just you know and uh it's like the thing the instant credit thing that Zach would do he would have that he had lexas nexus and so okay they would ask questions you know for instant credit and he would go uh and he'd have his wife on the on the on the Bluetooth right yeah yeah yeah yeah and he'd be like uh what what college so that what college did I go to what time was it what what what because I switched college college Yeah, and she'd be like, you know, University of South Florida. He'd go, is it University of South Florida?

Because I actually switched school. And then they'd ask, and he'd go, uh, yeah, I had a couple. It might have been red, red. And they, you know, because she'd be going, oh, you know, what colors is such a red, red, red, red. That's tough in person, though. Yeah. See, over the phone is easy because I, you know, I got the cheat sheet right here and I can kind of like, oh, yeah, scroll to it. Keep my two, these people want you to have the, they want you to get the answer.

They're not trying to catch you for fraud, you know what I'm saying? Even when you're in person, he'd be up, shoot, that's a long time ago. You know, he would do a whole, I've been in person before where I didn't know the answer and you've done the whole thing where they're like, what's your date of birth? I'd be like, date of birth, that's a good, you know what? Hold on a second. I'd open up my, like, are you serious? Like, I'd open up my idea.

July 7th, 19, 7th, and they, July 7th, 1970, it's like, You know, you're sitting there like, because you needed to go through. Yeah, well, I also don't want to have to talk to the cops, you know. But yeah, they just think you're just being obnoxious. And they say, they tell the person, this is when they would call the bank. You know, you go to use the card and they'd say to call, like, American Express. Right. You call American Express.

They don't do this anymore. Oh, so you were, okay, so you're saying you were at the bank and they would. Well, no, it'd be more like you go to buy something for like 800 bucks and you give them your, you, they, they would, you would give them the card. they swipe it then something would show up and they'd be like um it's telling me to call hold on and they'd have to call american express right and american express would be like uh can you just verify that so they go yeah i need to verify your phone or not phone number but you're your date of birth and you know and i do you tell them they go okay okay thank you they'd hang up and keep going something they'd ask something that you right but imagine that you're sitting there the first time

that happens uh what's your date of birth and you're like fucking a you know luckily i have a fucking ID or something. I'm like, oh, you know, that's, who am I today? That's a fact. Like, that's a fact. But see, see, with me, too, I didn't do guys only. I did women as well. Okay. So, like, yeah, you better not tell me my name ain't Brittany. Right. My name is Brittany today. Brittany Dawkins. Right. Yeah, yeah, for sure. And I'm calling with my regular voice. Right. Yeah. Yeah. Yeah. I mean, it's equal rights. Yeah. Yeah. For sure. So, yeah, man. And, and And that made my life so much easier, though, with her working in the bank because now I can get, so if I get a $20,000 dollar card and they say, hey, you got $9,000, I can get the whole nine now.

Because I going in the bank, boom, she gave me the whole nine. I've given her like $2,000 out the nine, you know what I'm saying, walking out. Do you even need the, or you already have IDs? Well, I didn't need the ID she worked here. I know that. That's what I'm saying. I'm saying, you already had IDs, but regardless, you could hand her anything. As long as if it from the camera, they could see that she could say, okay.

And they say, well, what did he hand you? It was his ID. It was him. Yep. You know, so all that means is that this guy has a fake ID. Like, how am I supposed to know? Yep. I'd get a million grand.

So, so I even got even more greedier from just having all the cash, right? I got even more greedier. So what I started doing was I'd go to, so Money Graham used to kind of piss me off. Because they wouldn't allow me to do anything with my credit card, right? So I started going to CVS and Walgreens. So I started going to CVS and Walgreens and getting like the vanilla visas. So and then, mind you, though, I think I put a limit on Charlotte to where you can't get more than $1,000 a day, you know, per person at CVS or Walgreens. So you're using the credit card to buy...

Vanilla visas. And then you go get the cash? So how I was getting the cash was money orders. Okay. I would go to like the food lion, all right? I go to Food Lion and, you know, the money order, it would never be no less than 500 per vanilla visa, okay? So when I would go to Food Lion, I would give them, you know,

it would be like $500 and 27 cents. I would give them 27 cents physically, swipe my... Vanilla Visa, put a whatever pin in. Man, dude, I had so, I had so many, just, man, I had so many money orders. It was crazy. I mean, because I wanted everything off the card. I didn't want to just. How much is this scam making for all these different things?

Well, this is so far, it's really not fidgeting. It's really credit cards. So at this point. So how much a month is this? making uh it's six figures a month okay easily yeah easily so for one person right realistically um for one person let's say that you maybe have two credit cards or so um i get i get a no preset american express right discover card is probably going to give me anywhere from 17, 5 to 20,000.

Capital One, if I do a venture card, that's going to give me 20,000, you know. And I shot away from Citibank and Chase, because they were funny. Chase Sapphire was good, but like, yeah, they were funny. Yeah, well, I was going to say their fraud detection is too tight because they tend to give those cards to people with lower credit scores. so fraud seemed to be done they probably have a higher rate of fraud right and as a result of that

they basically they have they have the settings so tight on those things you just they're constantly shutting them off well you would think the discover card had it like that but they don't or amics you know because at the time i started learning like with amex the only thing i had to do was go to the app and go to spending ability and you know if it was a crazy purchase because you know they go off of how you actually spend. Like if you're a big spender, then they're going to know, okay, well, that's good. And they're going to keep raising it up and raising it.

Right. But see, I only have this car for a month. Yeah. I don't care about it, you know. So, yeah, fast forward that. Let's get into 2016, all right? 2016 comes, I got everything rolling. At this point in time, like, this is my job.

You know, I change my image, right? I start wearing different clothes. I'm wearing slacks, buttoned up shirts. Like, this is a normality for me because I want to look like, you know, I own a collection agency and this is where my money is coming from. Nobody knows what I have. Family, nobody. They just know that, oh, wow, you know, he's doing really well for him.

Plus, you're creating the collections. At this point, you can go in and say, hey, here's some names. These guys are going to be needed. These guys, we're going to be calling these guys in two weeks. That's a fact. That's a fact. I ought to buy a paper from them. Yeah. So, but yeah, that's what transpired. So I change my image. I'm wearing my slacks, hard bottoms. I mean, this is every day, you know, and traveling as well. Because, you know, if I'm traveling first class, I'm traveling, you know, if first class is taken, I'm right behind them. And I, you know, I have my friends. and family with me like this is this is my image when I walk up to a club or wherever a bank wherever I need to be presentable and that's how I started to carry myself so I started taking things a little step further now I start buying I start buying cars in people's name

I start buying properties in people's name okay it's a mistake it's a mistake Those are all titled. Like, that's going to be at some point. Not even. I mean, well, I'm the. Are you buying the, you're buying the property in their name? I'm getting, yes. You're using, you're buying property for you in their name or using their stuff.

I'm using their credit to purchase different things. Okay. Cars, cribs. So. But you're driving a vehicle in their name? A few times. Okay. Yes.

Yeah. That's going to be. That could be a problem. So, okay, so for instance, right, all right, it was a Corvette that I per- Okay, let me tell you what happened, right? I'm in Charlotte, all right, and I ride by this Chevrolet dealership, and I'm like, oh, my God, this is when the Corvette came out, the Stingray, the body style before the one now. Okay.

I said, God, it was convertible, white, it didn't have red interior, though, black seeds, black wheels, And I was like, man, I want that car. So I go up there and I'm like, I'm about to fill out everything for the car. And the sales associates are actually arguing with each other about who's going to get the sale. And honestly, I didn't like that. And I'm like, dang, like, I just need some help. But instead of helping me, they arguing about who's going to get the sale. So I left.

I ended up going on. this is before car gurus was even a thing. I go on car gurus, right? I see the vet that I want out of Ohio. Contact the people in Ohio. Send them over ID, right? Send them over ID with my face, someone else's name. I had a burner address that I used to have little stuff sent to packages or

Because I was buying, I was buying like expensive watches online, expensive glasses, like shades, all kind of stuff, expensive. Anything I bought online, I used to have it sent to the burner address. Now, the burner address was vacant. Nobody lived there. And it wasn't too far from my place, so I could get there accessible. And I contact these people out there in Ohio for the car. And they FedEx me the paperwork. They're like, all right, yeah, yeah. you know you're approved no money down blah blah and i and i asked them i say hey look you know i'm not trying to come to ohio you know can you include the hot shot you know the hot shot where they put your car in the enclosed trailer can you put uh can you put that inside of my my deal you know with the car because i don't want to pay that out of pocket yeah sure well so lo and behold Man, I signed that paperwork, sent it back to him, and I had that car in two days. I got that call on a Thursday. I remember for sure.

I got that car on the Thursday, and they met me instead of meeting at the address of the individual whose name I did it in, they met me at the mall. Okay. Yeah. So I go to the mall, pick the car up, and I was like, it. It can't be this easy. Right. Yeah, it was, yeah, it was, it was, it was very easy. So, all right, this is, this is when, this is when things started ramping up for me.

And this is when I was like, all right, so this little few, you know, maybe 100,000 a month, I need more. I need more, because now I'm greedy. I got, I got a vet, I do, the vet, all white, red, red, red, red, seats, red brake calibers, black wheels, convertible. I can drop the top without being in it. Like, yes, I need that. Z-O-6, all that. I need, so let me see how far I can go.

Before I end up in prison. I need to see how far I can go. My fear is that it's a real person that's eventually going to figure out, hey, I got a $90,000 Corvette or auto loan that was just taken out in my name. And once they start complaining, somebody's going to track that back to the registration that's going somewhere. Oh, okay. I'm going to get to that part.

Yeah, yeah. I'm going to get to that part. Okay. So I want to see how far I can take this. Right. All right. So I also went and got a crib in Miami in his name, a high rise. What's this guy's name?

Hey, I... That's their best. I'm just going to say Philip. I mean, his name is Philip, but I'm not going to say his last name. But it's definitely Philip. And he was, you know what? You know what was crazy at that time? Because this is in 2016.

At that time, he wasn't even that. Oh, he wasn't even 30 yet. He wasn't even... I think that kid might have been... 23 or 24 he wasn't that old right i get the vet i get a crib in his name in miami uh mind you i'm in the opera tower i'm not sure if you all are familiar with the opera tower so the opera tower has like 55 floors or 54 i'm on the 53rd okay right and i can see everything i can see all of Miami. I can see all of South Beach. I mean, this is...

Philip didn't know he could live this good. He didn't know, but I found out for him, for sure. On top of the credit cards I had in his name, too. And I got an ID. I got everything. Man, I am. I'd be terrified. I am Mr. Philip. Because, well, like, if I, like, I've done that whole thing, but I built the, like, the person doesn't even exist. Or it's a homeless guy that's five states away. Like, he has no clue that what's going on. He doesn't know I have a driver's license. and I've got a condo and two cars in his name. Oh, yeah, definitely got the condo.

But Philip at one point might go get, he might pull his credit, you know, and be like, so with the condo, with the condo. Terrified. But listen, though, I was paying the condo. You're on. So, yeah, so, okay, whenever I ended up getting a condo, and I bought it,

I was really, like, renting it through this low-life Cuban guy. right so it was like 11 grand up front i think it was something like that it was like 11 or 12 000 up front and the payments was 4,500 a month all right cool i'm not tripping about that um and then he asked me he like hey you know i know you got your corvette you want another car don't mind if i do what can i get lime green Lamborghini It, it's why, yeah, man, it was, it was bad. So I, and it's convertible. So I have, so mind you though, I'm driving the Corvette from Charlotte to Miami, right?

So now I don't even have to drive it to Miami anymore because I got the Lambo down there, right? And I did that. I went to Houston, Texas, in the gallery. Korea area with somebody else's name. I'm not going to say their last name, but their first name was Darren. You know what? Darren fucked me. Not literally.

Darren, Darren's the problem. No, yeah, Darren. Hey, listen, Darren is the reason why I got fucked up. For real, for real. Darren, motherfucker. It's really your fault. A black guy trying to pull off Darren. That is a white guy's name.

That's like Chip. No, I know a black Darren. Are you, really? I know. Now, Philip, that's a library. Really? I think. I look like Philip on the ID.

If they say anything, you go. Yeah, right there. So because, remember, I told you with those IDs, they were just the old ones with the, you know, the green or the, like the little green lines that was, it was just like, it was easy to make. Right. Like, not now. It wasn't a lot of raised. It wasn't any raised edges at that point in time. Remember?

Like those old IDs, kind of. I mean, I know what the, I mean, I know what the Florida IDs look like. And I know what a lot of them, like, it's funny because when I had the Florida ID and I had, like, I've had Florida, you know, Florida, South Carolina, North Carolina, Alabama. So the North Carolina IDs. So North Carolina. You remember, those IDs weren't hard to make. No, they were just the, you're just a PVC. That's kind of what they look like now.

The difference is that they had a very simple hologram. Now the hologram, it's in between, well, at least in Florida, like literally the holograms, like, one of the holograms is see through, through the plastic, and it's your face, and it's, like, there's all kinds of stuff now. I'd be like, this is a nightmare. You have to get special cards and, oh, wow. It'd be a nightmare. And I don't know how you do it. Other than, to me, it'd just be easier to just, let me just go in to the DMV and get them to give it to me. Right.

So, yeah, I go to, so. So, Darren. man listen i had a i had a field day with darren though i ain't so i get a condo well i got this townhouse in uh in um houston got a g wagon got a uh mercedes for my best friend like it was it was it was it was it was lovely and and listen and you know what darren i I ended up hitting Darren for about 100K. Right. Yeah, yeah, yeah.

And I was trying, listen, I had so much credit with Darren. I couldn't blow it all in the month. Like, that's how much his flowed over to the next month because I couldn't do it all. Because at that point in time, too, once I, like, started getting like maybe, let's say, $40,000 this person and $40,000 for this person. person and then I might do a hundred for you. Like at that point it was it was it was hard to kind of maintain and try to like get all of that stuff off the cards in that month. You know what I mean? And I feel like too because I stopped making it a job and I'm just having

fun at this point in time. You know what I mean? Like I'm just living. I'm just living. I'm flying girls in from that I met in Arizona to Houston because I'm bored. Hey, baby, you know, what you got going on? All right. The next flight out, you know, I'm doing stuff like that. At that point, we're just having fun. I got the crib. I forgot. I had a, I had another crib in, um, in, uh, Arizona. But that was a, it was, come to find out it was a female, um, godly, what was her name? It, but it was like an African name. I can't remember, but I couldn't find out it was a female. But I ended up getting a Maserati out there to Maserati,

and I had a crib in Scottsdale in her name. So I had a crib in Scottsdale. I had a crib in Houston and Miami. And then me being just my real self in Charlotte. Right. Yeah, so all of that's going on, and I'm having a good time. I'm really what I'm doing for real. I'm just taking trips, like, all the time.

I'm taking trips. I'm blowing money as fast as I can. I don't care what it is. I don't care what we're doing. I don't care what the cost is. Oh, I need, da-da-da-da-da. Man, I'm paying bills. I'm just, you know, I'm just really giving back because, honestly, I had never had anything.

I never had any real money, you know, with that magnitude. And I didn't realize, like, that money brings plenty of power. Like, you can do what you want to do when you want to do it. And, too, this is before, I wish we had DoorDash back then. I didn't even have DoorDash or anything. So it was, yeah, I didn't have, you know, you had to still get up and go get something. But let's say that they bought the clothes and you're like, hey, maybe I'll get you $500 to turn the grill back on now. Right.

You see what I'm saying? easy. Also, what I was doing, too, to try to get all that money off, I would open up Square. Remember Square? Square accounts. Man, PayPal has taken so much money from my operation. I still got money locked up with PayPal that I need invoices for. Them Square, it was Google pay back then, which is why I went to the money orders, because money orders made it easier for me to get all of the money off. You see what I'm saying? The squares, they had like the location tracking on it and, you know, I would swipe it, it go to my bank account or, you know, because at that time I wasn't thinking about putting bank accounts and other people's names,

which I wish I would have, but I didn't. You know, I just, you know, I just, you know, I just, just wanted the credit from the people. That's pretty much ultimately where my mindset was. I just want your credit. I want these credit cards. And I want whatever I can get, you know. And I want all the money, though. That was my main focus, too.

I wanted, when I went into getting a credit card, I was going to get cash. I mean, even if I left credit on there, I did get all of the cash limit off. Right. you know whether that was ATM or with old girl at the bank so running through 2016 like that and I am I'm having a field day all right all right cool having a field day and this one lady that I hit because I was I had burnt her card up in Miami with this one girl I mean jet skis boats everything I burnt her cart up with doing that.

There was a note, not a note, but a letter that came to my burner address, right, with her name on it. And I'm like, I'm like, I'm like, what is going on? And it was like, yeah, this is the U.S. Postal Inspector, Mrs. Such and Such. I can't remember. It was a Spanish lady. I can't remember her name. And we are, you know, we're working diligently. to, you know, with the claim, blah, blah, blah.

And I'm like, how did I get to my burner address? I get a little nervous, ball it up, throw it in the sewer. Because I'm like, dang, I'm like, how did that get to my burner address? And I'm thinking to myself, like, I've never had anything sent in her name to the burner address. And the only thing that I got in her name, I do distinctively remember that, was a Discover Card in the Capital One, and her Discovered card was only, like, nine grand. Right.

And the Capital One was like five, right. Mind you, though, she was an early person that I hit, too. All right? So I saw that note, didn't pay any attention to it at all. I'm still doing my fraud, still doing my fraud, just having fun, living life. we're going to fast forward to October, okay, October 2016. This is, this was like Halloween weekend, right? So me and my best friend, we go to Houston.

And this is what I was telling you. This is how I mess myself up. So I've been doing everything right, you know, not really leaving any traces or trails. And I messed around and paid my TLO bill with Darren's card. What's a TLO? The TransUnion, the skip tracing. Oh, okay.

Because it's in my name with the collection agency. Okay. Right? So now, you know back then, this isn't where you could just instantly transfer money from account to account like you can now. Right. It's going to take three to five. and another thing too with my business account that I had I never left any extra money in there aside from what I would pay the employees and that's just because I didn't trust them

because they might wash a check or something on me right you know what I'm saying and hit my account for because that happened when I was working at the collection agency one time that happened to the boss somebody washed a check for like 10 grand you know what I'm saying like they changed the number on the check. It's a real check, but they changed the number on it. It should have been 900 bucks, and they washed it and said 9,700, and they deposit that, and it went through. And it definitely did.

So I said to myself, like, I would never keep, you know, but a certain amount of money in there, and I forgot that the TLO was due at the end of the month, that particular weekend. Man, I was like, ah, I've been rolling for two years at this point, about a year. and a half. And I'm like, man, I'm going to just pay it. You know what I'm saying? I'm going to just pay it on Darren's card. Because like I said, it was like $2,500 in some change. I pay it. This is October. And everything cool, everything smooth. Middle of November. Let me see. Right, yeah, right before, this is right before Thanksgiving, 2016.

my TLO gets cut off. And I'm like, why my TNO cut? You know, my people are like, hey, you know, TLO ain't working, what's going on? I don't know. Let me see. I call them. Hey, you know, trying to figure out what's going on with my TLO. Oh, I see here there was a chargeback or something.

Oh, shit, Darren and found out. Right. that you know i'm like oh man charge back there and then found out so i'm like all right cool i'll take care of it you know this month and next month take care of it boom and in the midst of that beginning of december came no no no i'm lying i take the i take this girl on a trip to miami for art basil okay all right so we in the we in the lamo we because we flew we flew out there And we just having fun. And we were only supposed to stay maybe four days.

We stay for like almost two weeks, right? So I'm in like the middle of December at this point in time. So we're about to come back. And I bought our flights, right? I buy our flights. Boom. Everything good. Everything good.

We get the QR code. I sent her, her QR code. We get to the airport. and they're like, yeah, no, you've been kicked off this flight. And I'm like, wait a minute. You know, I'm like, I just bought these tickets like this morning. Yeah, no, I don't know. You need to go to the desk.

So I go to the desk. I'm like, hey, what's going on? Oh, yeah, we don't know. So I had cash on me. So I paid for the flights in cash, right? We missed our regular flights. Pay for the flights and cash. Get back to Charlotte.

And I'm like, dang, I'm like, what's going on? You know, so I'm at one of my residences in Charlotte. And at that time, too, so I had a townhouse in Matthews, all right? So I got a townhouse in Matthews. And I got cameras, right? I had cameras at both places, too. Man, this is about a week and a half before Christmas. I see the U.S. Postal Inspector.

Charlotte Mecklenburg police department, like all at the town. Yeah, at the townhouse, I'm like, oh my God, what is going on, right? My home boy is there, but he didn't answer the door. I guess he was sleep or whatever. I don't know. If you sleep hot at night, you know how disruptive that can be. Whether you're having trouble falling asleep, you're waking up sweating in the middle of the night or all of the above.

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Yeah. Okay. For sure. Looking for me. Yeah. I was going to say like, I don't know if this is maybe in somebody else's names. They're not looking for him. No, no, no, no. No. So, yeah, they're definitely looking for me for sure. Uh, so, so, whoa, they leave. Right. Now, uh, I will tell you my one of my other best friends is a, for sure. Uh, so, so, so, whoa, they leave. Right. Now, uh, I will tell you might one of my other best friends is a u.s. marshal okay right right now like right now right well he was then too yeah yeah yeah since 2011 um we grew up together and so i call him i'm like hey bro who is the u.s postal inspector mind you nobody knows that i'm a scammer right nobody knows this right nobody my parents nobody

they just think like you're just super successful running this man this collection agency. It's booming. Man, and it is. Yeah. It definitely is. So he's like, yeah, they deal with fraud and da-da-da-da. I say, well, they were at my place, man. I don't know what's going on. He was like, well, what happened? He was like, they probably just want to talk to you. And I'm like, no, motherfucker. You don't understand. They don't want to just talk. All right. So that, that happens. And I'm still, I'm, I don't, I don't, it. It spooked me, so, okay, yeah, that's, okay, so it spooked me to the point where I put the vet up, right? Because I still have, I had a, I still had a BMW at a 750 and an Audi as well.

So I put the vet, but the vet, of course, wasn't in my name. Everything else, the other two were in my name. I put the vet in my best friend's backyard, right? Like I parked it, because he had a privacy fence and everything. I parked the vet back there, and I'm like, yeah, okay, I'm not going to drive this vet. I need to lay low. I don't know what's going on. And then I was like, maybe they do just want to talk to me, right?

My best friend wouldn't know, wouldn't you? Yeah, yeah, swing by. Yeah. You didn't ask him, say, hey, can you do me a favor and run my name? Did I? What do you say? Yeah, he did. What did he said?

He did it. And there was nothing on my name. Okay. So that's when I went. So after that, I go back, get the vet. I'm like, fucking, it is what it is. oh another thing with the vets right what i started to do was um with the vehicles that i did acquire i would buy salvage titles of the same vehicle right right and swap out the the then numbers

and yeah so that's what i would do right and that's how i could register them even though the loans were with somebody else you know the registration it's irrelevant you just as you yeah the registration yeah swap out the numbers i've got it i'm good i got the registration i have the tags everything was good unless they have a you know like a low jack type device they ain't gonna find that vehicle that's over at all uh that's darren's problem that's problem yeah i hope you're not dealing with it if you see this darren i hope you ain't dealing with it buddy Uh, my bad, man. He's going to be all right.

Darren's, he's, he's, he's going to bounce back. He was young. Yeah. No, no, no, Philip was young. Philip. Darren was older. No, Darren, man, Darren had a nice house too. Because, you know, I was going through the neighborhoods.

Yeah. In the box, yeah, man, Darren had a beautiful, oh, my God, it's beautiful. He's going to be fine. Southside of Charlotte, you know. He's going to be fine. He's over there with Steve Smith, man, he's good. Yeah. Yeah, he got it written off for sure.

So I go back outside and, um, I stop. I stopped for a little bit, well, about a week. And then I'm like, ah, Christmas coming up. Got this little chick I'm dealing with at the time. We go out on the run, you know. And so within this run, right, the mailman was super late this day, for whatever reason. I don't know. He was late this day.

I go pick everything up. but I'm missing I'm missing a person and I'm like ah man and I'm just itching just to get go back and get that person when I really should have just left because I you know I got like two out of the three people I go back over there and the police pull me over right they're like yeah yeah for sure um yeah this is when it gets all bad so the police pull me over and um I got, I have the cards on me, but I give them to her. Because I know like, hey, what's up, boo? And she with it, though.

Right. Yeah, she, she take them because, I mean, we just hit like 30 minutes ago. We just hit these other, you know what I mean? These other mailboxes. So she takes them. They don't search her anything. Got the U.S. Postal thing on your, on the top of the car? No, because I'm in a vet.

Oh, okay. Yeah, I'm in the, yeah, I'm in, yeah. You're just emboldened by not. You're just blatantly just. Yeah, yeah, I'm in a vet. I'm in a vet at this point. And who's going to really think if you pull up in a vet get out in a nice neighborhood, you're in a nice fucking vet?

Who's going to think that you're coming in fraud? Yeah. And I dress well. Right. See what I'm saying? So, like, only thing else is he's black. Yeah, but you're in Atlanta. No, I'm in Charlotte.

Damn, I don't know where you are any times at all. Okay, anyway. It's all right. So they pull me over. so unbeknownst to me, though, with the vet, Philip has already found out. Mm-hmm. All right.

So this vet is actually on the radar anyway, and I didn't know that. So they're like, yeah, hey, you know, how did you, you know, blah, blah, blah. Because little thing's starting to match up. And I'm like, so I get arrested. I get arrested. But the feds don't come yet. What do they say when they arrest you?

You got a warrant? Nope. No warrant. I get arrested because of multiple people saying that I was going in mailboxes. Okay. Right. I guess that was wrong. It does look suspicious.

Okay. So I get arrested for that. And I also got arrested for the vehicle. It was like a stolen motor vehicle. Right. Okay, cool bet. I thought the VIN number was different, though. Right.

Okay, so the VIN number was different, but I don't know how they traced everything back. Right. You see what I'm saying? Like, everything was just traced back to Philip. So, honestly, I still don't know to this day. But they traced everything back with Philip and the Corvette and me in my face. Okay. Because, you know, when I sent everything over to the guys in Ohio.

Ohio, it had my face on the ID, right? So it's like, yeah, this is the same dude that we're looking for anyway, glasses, beard, yeah, this is him. So they, you see what I'm saying? So I think that's more so where they traced it, not necessarily the VIN. I think it was just more so like, okay, we have everything from the dealership because, you know, they did the loan and everything, gave it to the finance company. Everything that trickled down came back to me because my face was on it. All right. So I get locked up for that.

I get out. Get right out. And I'm like, I guess I'll just chill for a little bit. And I did. I chill for maybe a few days. Seriously, it was a few days, right? I chill for a few days. I'm out.

They had a concert in Charlotte. I'm outside. I don't care about none of this, right? Like, I'm outside, but I'm driving my regular vehicle. And I'm just thinking, like, okay, I do need to, I need to figure out, like, what, you know, what I need to do and where I, you know, I need to just wing back. Because I, at this point in time, though, I have money. Like, I got, like, I have six figures in cash. Like, I got cash, you know what I'm saying?

Like, for sure, for sure. Like, I got money. And it was in my chimney at the, at the, at the, at the, at the, at the, at the, at the, at the, at, I have. at my crib in Matthews, I had it inside my chimney actually wrapped up. So I got money, so I'm just, you know, I'm chilling. I mean, the collection agency is just collecting. Like, that's, you know what I'm saying? Like, that's not enough.

Once my peak hit, like, the collection agency is definitely not enough money to sustain anything that I have going on because you have to understand. I still got, I'm still paying for the car in the crib in Miami. right um and so everything i was paying for as far as like the uh properties i'm paying for the properties you know what i'm saying but i'm also paying for the properties with the cards right so i'm getting a lot of chargebacks at this point in time because everything is is catching up so i'm getting charge backs on stuff like some of the girls bills like females bills i was paying

getting charged back hey uh hey my time warner then kick back bro what's good What's going on? They're about to cut my phone off because I'm like, dang, I'm like, so this is when I knew, like, all right, everything is all bad. So I go to Atlanta for Christmas that year, and I came back, right? And I dropped my son off, okay? So I dropped my son off and his mom, like, hey, you know, I need some money, blah, blah, and I'm like, all right, cool.

I got, I have one card left. So I'm like, all right, I'll go to the bank, shoot or something, because, you know, this is it for me. I'm thinking in my mind, I'm going to take six to eight months off. Like, at this point, I can still sustain my lifestyle in, maybe not six months. Maybe three to four months I could sustain my lifestyle with the money that I had. Right. Cool. So I'm like, all right, I'm going to give her some money from this car.

you know, not from my stash, because my stash has always been a rainy day stash. I always, you know, thought about, what if I did get caught? Right. You know, so I was, you know, I was blowing a lot of money, but I was blowing a lot of credit money. Anything, majority of the money that I got from, like, the bank and stuff, I just put that up. Like, that was, or, you know, just paid my real bills with that too. See what I'm saying? So I put up a lot of money.

Well, enough, I felt at the time. which was what it was. And so I dropped my son off. I go to the bank, right? Well, I'm on the way to the bank. I run a red light. Well, the light is, you know how it turns red and you're going through the intersection.

And it pinged my license plate, right? So when it pinged my license plate, it alerted the police. So now I do have. have a warrant come to find out. Because I'm over in the South Park area, which is like a nice prominent area by the mall. And they're like, I mean, helicopters, everything. So I pull into the bank, no soon as I pull into the bank, police everywhere, everywhere.

And I'm like, man, I'm like, what's going on? Because now I'm thinking like, dude, I didn't miss a court date for the car incident. So I'm on like Charlotte Mecklenburg's warrant site and I'm like, dude, hey, I'm like, What are y'all pulling me over for? I don't have a warrant. So it was a rookie cop, too. He was pretty cool. He was like, hey, look, man, look.

Let me check it out. Let me see what's going on. And who do I see pull up? The U.S. Postal Inspector. So at the time, though, I had a card and an ID. And the way that my visor was, I actually put the card. So the visor opened up like this, and I slipped the cards in there and closed it. Because that's the only thing that I have to say, hey,

mandatory two, right, for the, you know, mandatory two years for aggravated identity. Yeah, absolutely. That's the only thing that could tie me to that. So they don't find it in the car, right? My homeboy, he comes, picks the car up, takes it to my son's mom, right? So they arrest me, take me into interrogation. And I tell you what, I will say this about the feds. A lot of times, they don't know anything unless somebody actually tells.

I'm going to say that. Like, if you're, all right, I'm going to tell you. So when I get there, I see they have, like, pictures. And they don't even know if it's me. They're like, is this such and such, you know, is this Jay? They got three different pictures. Two of them from other people's social media. I guess, you know, they found out about, you know, two of my friends, right?

Not from my social media, though, from theirs. And that picture that I had with Philip, well, I use that picture for everything, to be honest. I took that picture at CVS, like the passport picture. Yeah. Yeah, and I put that on everything. I put that on everybody's name. But they were like, yeah, we don't know if this is him.

boom, you know, and they were actually trying to intertwine my two friends as well. And I'm like, what are you? I'm like, y'all, y'all really are lost. So instead of me like, hey, let me get an attorney and all that, because I didn't want them to be involved because really they were just alone for the ride, you know. one of them knew what I had going on but like well really both of them did but you know

they were just alone for the ride you know what I'm saying like they weren't active participants at all at all you know so I told them I'm like no listen it's me it's not them tried to try to get my son's mom off didn't work they're like oh no so come to find out it was so I would give her now she she she she did what she did I would give her I would give her cards and you know what I'm saying and she do whatever she did with them and it was one time so this is what they told me it was one time that one of the cards locked up and she called from her real cell phone number so when I get my discovery I see it in depth like oh Um, uh, um, um, um, um, uh, Danty de Cain called Discover Card. Um, is this Jay's girlfriend. Da, da, da, da, da, like, this is all in my discovery. Now, come to find out, Discover card is hip to what I have going on as well. And that's because I let, I, I, I would hit everybody on the street on the same street and then it would be the same police reports so that's what prompted like

man hold on there's a pattern so I'm giving these people a pattern now instead of me just staying in Miami for like two weeks three weeks and hitting people in Miami then probably hitting people in Texas and hitting people in Phoenix I just want to stay in Charlotte and just you know that that's That's where I messed up it. Right. I wasn't. Is that how you're doing it now? Just joking.

I work. I have a job. I do. I have a job, though. I promise I got a job. I'm scared. Listen, dude, I'm not. Listen, dude, I'm scared to lose my freedom again.

That is not a fun thing at all. I ain't just me. I don't like it. I like to be able to. to be out here with y'all hang out um i mean i mean the car was nice outside but i mean i'm yeah yeah it doesn't yeah the what is it the the worst day out here is better than the best day in sure yeah so um yeah so i get locked up and um i can't take the rap for her they lock her up at the daycare oh she has a daycare job no no no no no no she was dropping my son off

Oh, okay. So, well, she's working at the collection agency. Okay. The one in Raquel. Right. Right. So I know I didn't really incorporate her too much, but whatever. So, so, yeah, they lock her up at the daycare and she gets right out.

Me, I had to wait until the first of the year to get out because so I go to, oh, man, my bond hearing, dude, these people. Mind you now, my record, my record wasn't, wasn't bad. Like, it was a lot of speeding tickets and stuff like that. And when I go to my bond hearing, though, like, the DA is like, yeah, your honor, he has, he has speeding tickets in the school zone. I wouldn't want them speeding in my kid's school zone. Like, they're not trying to let me out. And I'm like, bro, wait a minute. minute. So, because, so listen, this is two now. I had a homeboy that was a bondsman.

I didn't know that the feds was like, yeah, bro, you don't get no money bond. It's, you know, I don't know how it works. You know what I'm saying? Like, I had never been locked up or dealt with the feds before. So I'm thinking, so I call him like, hey, look, bro, I call you when I get to the free phones. You know what I'm saying? All right, bro, just give me a call, boom on. No, it ain't no free phones. No, bro. You go and you going straight. You're going. upstairs with the Fed band and uh you'll see the judge the next day so i did that one senior judge the next day my my parents came and uh because i told um told my attorney hey can you contact my parents you know so did that and uh they ended up letting me out on ankle

monitor right and and i had to stay with my mother right right and with a surety bond like come on dude like dang bro yeah your honor he's got money he can leave da-da-da-da he can flee I'm like bro like in my mind I'm thinking like I'm I might might get a year or two you know that's in my mind I'm like I might get a year or so probation or something like I haven't been in like real bad trouble to to get you you know, like 10 years or nothing crazy. So, I mean, I'm not fleeing, right? So my stipulations, my stipulations for being on ankle monitor was I could only,

I can only be gone from 7 a.m. to 12 noon. And come to find out, I didn't realize that that was per job search. All right? So I'm like, yeah. So once you get a job, no, no, no, so in order for me to leave, I had to be looking for a job. Right. Right. So what I would do is from seven to 12, I would leave and go to my crib in Matthews, right?

And have a chick come over and hang out for until noon. I mean, come on, we're talking from 7 a.m. to noon. Yeah. It's five, five hours. Like, you know what I'm saying? So I was doing that, you know what I'm saying? And I was just hanging, you know, I'm just thinking about what may happen. You know, I'm on this ankle monitor.

I'm back at home with my mother, which is terrible. You know what I mean? Because it's like, oh, Lee, I got to just go through these motions with her. I mean, it wasn't bad, but it was like, dude, you know, you're grown. You just, I've been doing what I wanted to do. You know what I mean? For a long time. And, you know, especially with the magnitude that I was doing it at with the cards.

and that was just like subtle. Like, it's high. And it's just like, dang. And I'm on ankle monitor. You see what I'm saying? So roll through those motions. My CO, not CO, but my probation officer came. She was a female.

I think she liked my mom. Keeping it real, I think she liked my mom. And she didn't like me to, too well oh another stipulation i couldn't have a i couldn't have a smartphone so i yeah dude yeah they man i swear i swear to god they they they like we're concerned man the d a was like yo u s attorney u s attorney right was like his name was o'mally o'mally did not like me at all I don't know why. I mean, I ain't do nothing to the guy, you know.

I just... They seem to get irritated when they're committing crimes and then they take it personally. Definitely took it personal. So, anyway, I couldn't have a smartphone, anything like that. And what we charged with? So I was charged with bank fraud, wire fraud, aggravated identity theft.

and what else I think that was it wait bank fraud wire fraud sophisticated means well that's an enhancement yeah these are all the

yeah that starts that that's when yeah like getting charged with like bank fraud like okay bank fraud well bank fraud and wire fraud are no big deal if there's no dollar amount like okay so what I'll get probation then they start saying oh no no

oh my god sophisticated means changing jurisdiction you know they start a 2.5 million dollars they start adding it up next thing you know you're Like, oh, my God, I'm going to do five years. So what they did was, too, dude, they put the Corvette on my money amount. But while I was in jail, because, okay, so before the jail, I got relocked up again. All right. So, and I'm going to tell you what happened.

So I'm joking. I'm thinking everything, cool, you know, my PO, I'm thinking she cool, we cool. Yeah, we're joking. And I kind of wanted to go out that weekend, right? So I'm joking. I mean, I'm poking the bear a little bit. I'm like, hey, I got this envelope. You know, I want to go out this weekend.

Let me just throw an envelope in your back seat, girl. Ha, ha, ha, ha. I want to see where to go. But I'm joking, but I'm not joking. Because if she said... I think you're joking at all. You're just testing the waters. If she say, yeah, I'm going to do it.

Right. I'm for real. She said, yeah, it's going. And she said no and went and got my ass locked up. Right. U.S. Marshall. So, okay, I had a court date coming up. I was going to get a haircut, right?

So I leave within my 7 to 12. I go out, boom, get my hair cut, go to Hooters real quick. Because I think they opened it like 10. Went to Hooters, got me some wings. go back home, and I, godlie, she called me and was like, you just drove by me, da-da-da-da. And I'm thinking to myself, I'm like, I know she, because she had never seen the vehicle I was in, right? She had only seen one of my cars.

So I had the other car that particular day. So I knew for sure, and it's tenant, right? She's like, yeah, you just passed me on the highway. I'm like, that was odd. She was like, where are you going? I'm going home. All right, okay, I ain't know. Seen your big head.

I'm like, okay. I get back to my mom house, chilling. You know, I'm just taking it easy because at this point in time is, you know, 12 is hit, so I got to be in the house, right? Can't go past the book. I can't even go to the mailbox, dude. All jokes aside. I can't even walk past the mailbox

this thing's going to go off. All right. So, probably around 1.30. U.S. Marshal. For fucking what. What have I done? So I call her.

I'm like, yo, why does the U.S. marshals here at my house? Oh, just let them take you in. Da-da-da-da. I swear to God. This is before they, you don't even answer the door. Shirene Teal.

like yeah fucking bitch dude so you didn't even answer the door you just pick up the phone let me call my P.O. before I answered the door. Before I answered the door yeah but they got my mom's house around it so it doesn't matter

and my dog god rest her little soul that was my baby Sasha she's barking she's a pit bull too so she's like going haywire they hitting the door boom boom and I'm like

god Lee dude what is going on so i opened a door uh they locked me up and uh yeah man i i didn't get out of i didn't get out of jail till i came home from prison so uh they locked me up oh so the next day um she comes and cuts the damn monitor off my leg and we ended up going to court the next day for the new charge for the bribery. Wait, is it, wait a minute, is it a new charge or was she trying to, or was it a violation? So it was the violation and the charge at the same time. So the violation was he's not going to be able to get out, be out anymore.

Okay. And they're trying to hit me with the bribery of a probation officer. So, that's just her word against yours. And so, so that's what my attorney said. Shout out to Kevin Tate. All right. For sure. He was like, look, if she want to do that, then I'm going to just let them know we're going to take it all the way to trial. And we're going to make her take this stand and take an oath on if that's really what was said and how it was done. And you know what was crazy, man? When I walked in that courtroom, I felt so bad because Kevin reminds me of my father. So in the midst of me coming back in the courtroom after I'd been violated, it was like, I let this dude down. He fought so hard for me to get on this ankle monitor and I let him down.

He's like, man, what the fuck going on? I'm like, man, I don't know. You're like me. You don't bribe this fat bitch. I'm like, I'm like, no, what? I said, that's what we hear for? That's crazy. That's why they violated me.

So, and then she tried to say I didn't have a job search papers. And all this, I'm like, job search papers. Bitch, I didn't know when I could leave from five to 12. I had to go get people to, like, I'm going to Circle K and like, hey, can you sign here and say I was looking for a job? I didn't know that. Like, bitch, I'm just thinking this is my window because y'all got me in the fucking house all day anyway.

You know what I'm saying? So. I was at Hooters at one time we drove by each other. I had just gone for a job interview with manager. But you really didn't drive by me. He was lying. You just wanted to see where I was. was going so you could go ahead and send them people yeah and that's what it was um honestly i'm

gonna keep it real if i would have known it was going to go down like that i would have ran for show oh they would have had to come get me because i mean i could be anybody that i wanted to be yeah you know what i'm saying i would have just migrated and you know i was just trying to do the right thing i'm like all right you know they got me um and they'll catch up with it like if you take off and if they catch me in three years they catch me three years well too though i didn't want my parents' house to get taken either, though. You know what I'm saying? I mean, could have bought them a house. They've been in the house since 98. So, you know, that's their baby. You feel me? They're not going to take the house. I don't think they would have taken the house. They would

have, they would have threatened to take the house. No, they put the, I think the shirt, what's the no, I understand that what they do and they would have threatened to do it, but they probably would probably want to make payments or something. Like, it's homesteaded. Like the judge is going to be like, Come on. What are we doing? Like, we're going to catch this guy. We're going to put a lien against it. Let's just wait.

They wouldn't have called me. Huh? They wouldn't have called me. That's what I said. I started. And my IDs came from the DMV. Right. But I start moving sloppy, though.

That's where I messed up. You know what I'm saying? That one mistake with me with Darren. Shout out to Darren. That's all it takes. And that was it. Yeah. That was it.

The cops can be wrong over and over. They only have to be right once. You only have to be wrong ones. Yep. And with that, and it was crazy, it was, it was crazy because TLO wasn't even helping them at first. TLO, the TransUnion, the skip tracing, they weren't even helping them. They were like, yo, so they, yeah, they like, I saw that in my discovery, it was like, they, they sent TLO something like, hey, listen. Well, it was along the lines of like the terms and contract that you do with Apple, with your iCloud.

You know, you know, you, so, okay, so they took my phone. I didn't, man, I didn't give them nothing. Yeah, y'all can have it. But they can't go through your phone like that, like your, like your, like, I know back then they couldn't. I don't know what the laws are now. I don't know if Apple's working with them now. But, man, even when I came home, I had the same iPhone. that I gave them I had like my exact same phone when I came home yeah it was an iPhone 6

and so I get locked up man and and go through those motions and in the midst of me getting locked up my son's mom gets the gets my BMW and gives the gives her attorney The ID and the card that was, that I put in there when I, when I initially got locked up at the bank. Mm-hmm. And they held, they hold it against me. That's my, boom, we got them aggravated. Because anything else, they couldn't really put aggravated on me because they didn't have, they didn't have substantial proof that I did such. But now they got, we got an ID and a card to go with it.

Because in the papers, man, they tried to say that I took 20,000 PII's, you know, the personal information. And I'm thinking to myself, 20,000 people, not even close, you know. But what they come to find out, what they did was just my employees skip tracing as well. You know what I'm saying? They intertwined that with me. and then they called me an employee they didn't even say I was they said I worked for my own

establishment I'm like how I work for premium acquisitions I don't understand I don't understand how I did that but uh it is what it is but yeah man they tried to they tried to make me out to just this evil villain in the city

they don't I don't understand they don't go in front of the judge and say like this is a nice guy you made a mistake they don't it's not how they don't they present it at all man um so yeah i get i got um oh so yeah boom that adds two years so and i've got a serve it consecutive right okay so yeah it that they added on to well what what

what do you face and what's the first what's the first amount of time yours so i'm so so me and kevin he like listen man you're gonna do about 18 months right and i'm like dang i'm like 18 months and I'm thinking to myself, bro, 18 months. Right, that's a long, bro, that's a long time to me. Br, I've been out here having my way. You feel me? 18 months? Like, bro, I've never done no jail time.

Like, I've been to jail. Yeah. But you got arrested to let go. Yeah, I got a bond. I just, you know, deal with it and let it be done. But he's like, yeah, man, you know, he's like 18, maybe 24 months, man. Maybe try to get this low end. man yeah it's getting worse

man so I'm like man plus the two years and then they go the two years well so that was after she so come to find out she did that whenever she did that whenever I was on

ankle monitor and she ended up telling me why she got mad about something she saw on social media had to do with me yeah Yeah, yeah, yeah. I was playing good back then, man.

I was playing, I was playing real good. It was fun. Like, I had never had that type of money, so, yeah, I'm out here having, I'm having a good time. My cousins, everybody need a loan. I got you, don't worry, but I love you. It is with it. Everybody, everybody around me, I will say, everybody around me was good. Nobody can ever say.

And you know what? I had, when I did get locked up, I had a lot of support. You know what I'm saying? Like, I really did. I really had a lot of people in my circle because, you know, you know, some guys get that money and they become scumbags. You feel me? Yeah. I love it.

Those are my buddies. This is my buddies. I like to share the well. Oh, scumbag buddies? Oh, yeah. Yeah, they stopped answering the phone. I only had one like that. Made you a half a million dollars and you can't fucking send me $400 for my commissary this month.

Yeah. Something. Something. So, um. Yeah, I, like I said, I, you know, I had a pretty good support system. So I go to court, right, get in front of my judge. And while I'm there, I'm going to go to my sentencing. Man, Discover card came to my sentencing.

Like the guy from Discover card, I swear to God, he came to my sentencing. And he was like, so he gets up there. And I guess this is to try to further how many, you know, what my years are going to be. So he gets up there. Well, two, I took the most money from Discover Card. Like, oh, yeah, man, yeah, I, yeah, I did damage to them real bad. Like, it was too easy. And, you know, Discover Card, your name is on the back.

So with the embosser, I could just put the name on the, front and nobody actually knew right and put like the one 800 number you know the little sticker it comes on there like activate me I just put it over the name on the back of the card because that's where you know that's where it is so uh the guy gets there and um he's going through everything and and this also brought light to a lot of things kind of made me smile a little bit. He's like, yeah, Your Honor, I'm not going to lie. Yeah, I wasn't expecting him to sound like that because when he calls in, he's just, he has all these voices and I've listened to all these recordings and I'm thinking, I'm thinking it really is like a 70 year old man on the

other end. And man, because I call in. Hello? No, this is hello. No, this is, no, this is, This is Darren. Man, dude, I have so many voices. I'm killing them. You feel me? Like, I... The judge look at you and you go, I'm good.

I'm good, Your Honor. Man, no, hell, man. I'm sitting there with my paper because, you know, I got something to say. And then my homeboy, that's the Marshall. He got all his martial buddies write my, you know, write in character letters. Dude, I ain't a lot now. I had about, I had about 30 character letters.

You know what I'm saying? 30 bucks and that still nothing no play man no play bro nothing they like that yeah no no i i at my sentencing i remember sorry he loves this broke my sentencing this is funny because did you ever see um the the movie the the first uh pirates the caribbean so okay so you got johnny debt plays a guy named uh jack sparrow okay captain jack sparrow yeah and he's about to be hung and they're reading all the thick charges against him okay and so he's sitting there listening and they're like you know theft of a ship you know theft of this theft of and he's sitting there like listening like yeah yeah and then they're like impersonation of a of a of a of a clerk of a clergyman

and he goes he says he looks at him and he goes that's right that's oh man because you know forgot Yeah, he kind of like, I literally had that moment when the, the U.S. attorney is reading off, Mr. Cox did this and he did this and this. And she said, Mr. Cox stole someone's identity and had his name legally changed. Yeah. And I went. And I, and the judge is staring at me while he's doing, while she said this, you know, had his name legally changed. And I thought, that's right.

And I did, I actually kind of was like, I kind of smiled. and I look up at the judge and I'm like, oh my God, oh my, because he catches me smiling. And I'm thinking, what the fuck are you doing? Right. You're smiling? Did you just smile? I had like that Jack Sparrow moment where I was like, that's right. I did have that dude's name change.

So yeah, it was not good. You know what? I left something out too because it was a few people, and this is before people got hip. I started putting life lock on some of my people's stuff. I don't even know how, if they ever, I mean, I'm pretty sure now they've gotten it released, but yeah, I definitely did because I put life lock on Darren. But it was, Darren had it common, though. Yeah, but it was a, I think it was a little too late when I did him. Yeah, man, Darren, Darren was a role.

What's life lock? I know, I probably should know what that is, but I don't. It's identity theft, and it could lock your. Yeah, you can, you can. So it's for identity theft. And let's say that I go to a dealership and try to use your stuff, it's not, it's going to call. It's going to call the actual person. So let's say that, okay, let's say that I even try to do a credit card in your name or something.

It's going to tell, it's going to kick it back. It's not going to allow it to go through. Yeah, it doesn't allow them, the credit bureaus to provide the information. It kind of like locks the credit. So you have to give permission. Yeah, you got to get permission. no no no no he doesn't want them to be able so he puts it on he steals your identity yeah he puts it on you so that if you go two weeks from now to go apply for anything it won't let

you pull your own credit they're calling him to say hey yeah somebody's trying to pull your credit and you're like uh so now he knows like ah shit yeah like fuck they're yeah yeah so uh so yeah so yeah so yeah that's where i started like you know and this is when lifelot first came out right when this guy's got his social security number on his uh on the he would put his social security number oh yeah did you did you see that so it was so the dude so yeah it's so secure and he'll give you my social security number and he put it in the ad yeah he did now his identity got stolen by like eight times yeah over and over again yeah so life log didn't help no it was a bad idea yeah that was terrible who does that I mean he felt confident that

he had something there yeah so so yeah discover guy discover card guy says all that and um so boom the judge is like okay and he's like listen oh also like i said they still charged me with the corvette along with the money amount so so that hiked the money amount that gave me an extra level because it pushed me over the 250 right it was at 287 Right. So we take the car off. I only probably get 20, in the range of 24 to 36. Right. So, well, I'm going to get the mandatory to. So I'll get, you know, within that 20, yeah, 24 to 30. I'm lying. It's going to be, uh, it was a, so I got the mandatory to. So I probably would have only been looking at probably a year with, right. You know what I'm saying? A year, maybe 16 months. at it but with everything it was 24 for the aggravated for the aggravated but then it was also

24 for the wire fraud so you got 48 months five years probation okay okay I had five years probation I think they give all the scammers five years because all the drug deal without they typically give they'll give a couple of years that if they really feel like you You need monitoring. Like, hey, this is somebody who, listen, fraud has a very, very high, that's the highest recidivism is fraud. It's not drugs, it's fraud. Right. You know what that has the lowest recidivism rate?

What's that? Murder. Almost nobody gets out. And I'm talking about when you get out, not people like, go, because they never get out. No, no, this is based on getting out. Right. So the guys that murder somebody and get out, they never murder anybody else. Not never, but I'm sure there's a guy out there.

But, you know what I'm saying? Like, but I'm saying fraud, fraud has a high. recidivism rate because let's face it once you've done it once you realize how easy it is you've learned all the tricks right and when you when you get anxious about money your first thought is man listen that criminal mindset is crazy got to run my mind through the five rules of rational thinking remember that no yeah yeah i'm gonna give you my art app book i don't need it i know it's it's it's comical i say it's like me going it's me you know i don't want to say it's not me mocking it because it's not locking it but it's very fun like it's it's practically it's basically a comedy you'd laugh your

ass all the whole time you'd just be laughing and laughing because you know how insane it was in man it was crazy wasn't it yeah could you imagine going through there and not needing the year off because that's how i went through it well that i just wanted to stay in the unit well okay so so so so that's that's kind of what ended up happening that's what kind of ended up happening with me So when I got locked up, boom, I get sent down at Edgefield, South Carolina. All right. I'm in Edgefield, and I didn't know anything about Ardap when I first got there. You know, I'm just like, all right, you know, I'm going to do my bid.

And it was trash, to be honest with you. The compound was trash. Nobody really had no money there, for real. So I messed around and I'm playing with the cell phone. phones. I got there on, I can't make this up. I got there on Wednesday. I had a cell phone on Friday immediately, right? And I'm playing good with the cell phones. Then I ended up finding out, hey, you know what? This is when they were actually giving the six months and a year. So you can get 18 months off. Because I had already did, I was down in Gastonia,

because they had a big, like a big gang round up while I was locked up in 2017. And they shipped a lot. It was like 90-something people that got locked up in Charlotte and they shipped quite a few of us down to Gastonia. So I've never even heard of Gastonia, but sorry, go ahead. Yeah. So

I was down in Gastonia for let me see. I was down in Gastonia until January of, so yeah, until I was in Gastonia for a year until January of 2018. That's when they ship me. You know, you know how you waiting on the bus, waiting on the bus, you know, after you

get sentenced and you're like, all right, cool, well, I know the bus's going to be here. I hope I'm on this one, because you're ready to get out of jail at this point in time. I was ready. I'm like, yo, because we never were able to go outside in jail. You know what I mean? Everything inside. The guys that have been in jail or been to prison have explained, trust me, prison is so much better. You can walk the track. You can play. You can do this. You can play games. You can watch movies. You can get ice cream. You could, you know, you can get, because listen, ice cream was a big deal to me. Like, I almost-

Wait, hold on, wait, wait, the, like the inmates making the ice cream with the cream? No, no, no. I mean, go into commissary and getting an ice cream. Yeah, that's a fact. Yeah, yeah, yeah, yeah. Because I remember saying it, like, it was a little, it was like five minutes of freedom to eat that, you know, five or ten. As you were eating it, it was like being free. Okay, yeah.

I never ate the ice cream. Are you serious? No, man. No. You didn't even have any time. you didn't even you weren't even see you were still planning on things in the street when you man you was i were still talking to you man listen people wrote me off i was dead that dude's gone the dude's gone he's dead got 26 years he's over it's over it's over we'll never see him again

he's over for him yeah man well that's how i felt for a little bit um into i guess until i went to prison so um yeah i'm waiting on the bus i get on the bus boom Get out there. I'm playing with the phones pretty good. And then I'm like, oh, wow, I can get 18 months off. Yeah. Where's the unit downstairs? Ardap.

Oh, let me sign up. Sign up. Get accepted because, you know, sometimes it's a waiting list. Yeah. Did you tell that was there drugs in your PSI? Did you tell them that you had a drug problem? Oh, I'm an alcoholic. Yeah.

And, you know, okay, yeah. So they accepted me. So I'm down. there and I'm I'm like okay cool I'm coming home as soon because because by this time I'm already a year in right in jail you got to nine months your girl practically going home nine months I'm going home yeah man I'm playing good with them phones though right I'm man and look and I'm in Ardap playing good with them no that's not good no that's no way no you just go back to your old unit might as well go back to my old unit yeah so by that time I

get two phones so i got two phones now and uh me and my home boy sharing one of them because one of them don't doesn't work in the unit i'm in but the it was weird one of them worked in the unit that i was in and then one did so vice versa how can i say this so the the keosera worked in ardap but the verizon phone didn't work in ardap but the verizon phone worked upstairs and the Kio Serra didn't. Right. All right. So this particular day, I'm supposed to send one of my phones upstairs, right?

I missed the move. Didn't get it, right? Didn't get it to him. So I'm like, all right, it's cool. Next day. You know, I'll give it to him next day. And mind you, in this particular unit, the phone that did was. work. I used to have it inside of the water fountain.

You know what I'm saying? So I had a, I had a, a lot of them dudes were putting it up in the, um, yeah, and, you know, different, different little, they had, they had a few little spots. But my spot was like, you know, the water fountain on the wall. It was kind of loose, stuck it in, boom. Like, it was sweet. So the other phone, though, this, particular day, I slid it up underneath a, like one of the door, the utility doors that nobody ever opens. This day, they came in, the next day, I swear to God, they came and opened it, right? Open the door.

Yeah, they got a, oh, man, y'all heard about the phone in Ardap? Shit, who's the phone? Huh? In my home, way, like, boy, that was your other phone. Oh, my God. The one I need to. So I'm like, okay, there's what it is. You know, hey, that's what it is.

I haven't been moving funny, right? So I'm at Chow, I'm outside, you know. Only thing is, you know how, you know how nosy they are, are adapto. Like, man, why he's in the bathroom for an hour? What's going on with him? They're watching you. Yeah, they have the inmates are policing you. especially the ones with the uh that this uh what do we used to call them the ones that still

in ardapped after they didn't graduate oh yeah the uh we called them completes or yeah the completes yeah the the purple yeah yeah we yeah super dappers yeah the super dappers bro why you ain't back on the compound dog yeah so that that's uh that's really that's really who well i know who told on me, shout out to Patrick Sutherland. Yeah. I know you out here in Florida too, man, but I appreciate you though. I do appreciate you though, Patrick, for telling on me. I went to the hole for five months from June till October behind that, brother. And lost your year with a potential year and change. Did I? Man, and let me tell you, the hole was so bad at Edfield. Like, it was terrible. Listen, no windows. The windows were frustrated.

frosted, um, yeah, I swear to God, frosted windows, uh, um, they were jack and wreck. They was not letting us out. The, the, the, um, it flooded in there one time, like feces flooded. Yeah, messed up. Yeah, man, messed up my letters, pictures, all kind of stuff. And they, and this is on chicken day, matter of fact, because we, look, we bucked the flaps. No, for real we bucked the flaps um and and me and my celly because ended up ended up um finding the other phone that me and my celly was uh messing with mess and they knocked him off too so now he my celly in in the hole too for five months yeah yep and uh yeah well i know who told he ended up telling me who told on him with that.

And it was just a mess, man. It really was. So I'm just like, yo, why y'all still got us down here? You know what I'm saying? It was bad, though. So fast forward that. October came and they like, yeah, you're going to Kentucky. I'm like, oh, man, Kentucky.

Br, that's six hours, six and a half hours away from home. So they shipped me to Kentucky. Well, of course, you know, you go back to Atlanta, go from Atlanta, get on Con Air, get a... It's an experience. Man, that... Did your sandwich still have ice in it? You know what I'm talking about. No, but I remember when they took off, like, listen, you know, you fly commercial, like, it's a gentle takeoff.

It's a gentle, these guys. They like, they, they, it was like a stall. Yeah, you... It was like a stall. I didn't know that those big commercial planes could take off like that. Like, I mean, they literally, this thing is like, you're like, Jesus God, God, all my. I mean, it is going like this. And then it's not like a turbine type of, it's a propeller.

Oh, no, no, I didn't have a propeller. We had a, we had, there was the big, this was like a commercial. Oh, no, no, no. This thing was, listen, this was unmarked one. It ain't have no markings on it. You know, this didn't either, but this, you understand that the rose? Yeah. Like, there were literally.

It was three. and there was four in the middle this was a massive plan. Yeah, it was a big plan and they had the girls in the front. Yeah, they always do that. They can bring them the back, yeah. They could.

My wife said, you know, she's like, oh yeah, you go in there with all these guys, hey baby, hey, you know, giving them a hard time. And, yeah, yeah, no, no, this wasn't a propeller plane. This was a jet, like, I mean, and it went, it went straight.

It was like, dear God, like, what are you doing? Yeah. Yeah, and then if you use the bathroom, you got to go, like, back to back, you know what I'm saying, going to the restroom. And then, look, some of the dudes in black boxes. Yeah, you can't. Yeah, you can't even do nothing. It was hard to eat. The sandwich still got ice in it.

Look, man, just get me there. Yeah. So get to Oklahoma. I didn't know how long I was going to be in Oklahoma. I was there probably a week and a half, you know. Oklahoma wasn't too bad, though, actually. Oklahoma was straight. I don't know how your experience was.

I was there like maybe 10 days. Yeah, that's about, yeah, about like me. Yeah, I was in and out, and it was, they put you in that room with the fucking diamond-plated, that big room when you first get there. And, yeah, they could teach a Nazi something, bro. Like, they, they took off them chains so quick. Like, they, you know what I'm saying? Like, they, it was like, geez, and they got like the neat line that everybody's,

it felt like living in like a dystopian futuristic. I mean it was yeah it was correct uh like the nick cage like what was the movie with nick cage uh yeah no no no no no no not con air was it face off face off yeah yeah yeah it feels very without those boots yeah it's it's like a different reality yeah yeah and then so um they send me to kentucky i get to kentucky and i'm like dang i wish i would have did my whole bid here right and i get out there to kentucky i mess so i met some i met some i'm had some solid guys out in Kentucky, man, real solid guys, man.

And it's crazy because I was in Lexington, right? So you would think that Lexington run that prison, but they don't. You know what I mean? It's more so Indianapolis was really running it. But this is still a low, right? It's a low. Okay.

Yeah, I'm at the low, yeah. But they still, I mean, they were still politic, though, at the low. No, I've told guys before, I'm like, you know, it's funny because I saw more fights, and there were more fights. Like, they weren't as bad as the medium. Like, people aren't getting stabbed and really, like, I saw some vicious fights or attacks. I don't know what you want to call it at the medium, but I only saw a few. Of course, I was only there three years.

But at the low, guys are cutting each other with razors. That's a fact. Like, you're not going to get hurt, but there's a lot of, it's happening a lot. Yeah, it is. Yeah, well, yeah, because it's still got a little bit more freedom, you know. Yeah. You ain't got a lockdown till 11. Well, the phones don't cut off till 11.

I don't know. That's not what happened with us. What time your phones was cutting off? Nine? Was it? Or y'all just kept running all night? No, no, it was like 10. It was like 9 or 10 they would shut off.

Really? Yeah, you had to be, of course, you have to be, you get counted, you know, you have to basically be, as soon as they start counting. so you've got to be standing in your cubicle by like 1045 or 1030 so you get counted you go to bed really yeah you go to bed no way not at lexiton when i first got there you could go get counted and then get back on and they'd leave they the phones were on and everything was open till like 12 o'clock at night about 1130 yeah yep but that's but that stopped oh they messed it up no i mean it had stopped everywhere at that time oh it had stopped well that's what they listen that's what they told us that doesn't mean shit they're like oh this is a nationwide thing you know they always

trying to say nationwide yeah but then other guys would come in and be like like that's they're not doing this here or they're not doing that you know different things like oh no they do no they said this nationwide they're like from where i just came yeah i don't know about that well see well this is a thing though so at edgefield even though it was uh it was a camp we still was around the fence We had a fence and everything cut off when the medium cut off. Okay. And we had moves. Oh, that's weird.

That might as well be in a low. What's the difference? Right. Yeah. And it was trash. Right. Super trash. Because, you know, like I said, you know when you hit the pound and, you know, well, I don't know.

I think we did. I think we bid it a little differently because I wouldn't have touched a cell phone. Like, I would have been. terrified. I don't want to lose any time. I don't want to go to shoot. Not that I'm, I've been in this shoe multiple times, but I don't, here's the problem. I had a routine. Right. I don't want to break my routine. I don't want any problems. I got a good routine. My time is flying by. Right. I got a couple of guys here that I like. Yeah. I don't want to get shipped. So if somebody's like, you know, hey man, you want to use a phone. I'd be like, I don't want to know

about a phone. I don't want to know nothing. Well, I didn't, I didn't play with him when I got to Kentucky um but uh i had all the compound pictures you know the compound picks yeah yeah i had all the black and white corn that was see that was my forte when i got there i yeah with the where they take the clear tape and they put over the oh no you can bring it to the to the showers slap it up there on the shower hey i had i had multiple right multiple yeah that was my forte right there i'm i was just the trade i liked the barter i was trading everything it was fun i'd say I'll tell you that. And you know, it was cool, too.

I would rent it out. So it'd be like it. You know, you want, hey, hey, let me see them black and whites. The guy that named rented out the porn books and, and Coleman was, they called him porn, they called him a star. Oh, wow. He was no star, bro. Like his neck was fused together.

He was like 60 years old. And the guards called him porn star. What? Oh, wow. Oh, but he would, Star rented out the, um, the, the, uh, the, the, uh, the nudity. Max. Yeah, man. Yeah, that was a, man, it was lucrative. It was very lucrative because real talk because this is when, so like when I, when I ended up leaving, I sold everything. Right. And this is, by this time, this is cash app. So I'm like, they're like, yeah, man,

I have my girl just, you know, cash app your people. It's that. This is a cash app. Right. Oh, bro, it's instant. So I had to ask. What is this cash update to? Oh, yeah, go straight to the. Hey, I'm thinking, God, Lee, why didn't I think about, I mean, why? This couldn't be out a few years back? Because, godly, man, I wouldn't have had to go through so much trouble that I did in the beginning. And, yeah, I would have wiped a lot of things clean.

But, yeah, let me think. And I'm saying, in some way, fraud is easier now than it's ever been. And in some ways it's probably more difficult. Like, there's differences, you know? Yeah. Yep. So yeah, man, I, uh, I went back to Ardap. Okay. Oh, I went to Ardap to get the, um, extra halfway house. That's it. Yeah. Yeah. That's why I was there. I thought I was, thought I was going to get a year, didn't do shit, but I thought I didn't do that for me. And I got, listen, and how ironic I got set back in Ardap in Kentucky as well for, you know how they come in there

unannounced you know what I'm saying hey yeah we're checking rooms today on this floor oh my god it's part of my addiction Jesus I'm glad you guys found that I feel glad you found it I need to address it I got problems I've issued I'm gonna talk about it I'll talk about it tomorrow that's fine about in class we'll set you we're gonna set you back yeah oh what yeah yeah we're gonna set you back don't worry about so that messed me up even further so I ended up getting like four and a half months halfway house yeah man

is what it is I had a guy in prison put like $400 or $300 do you put $300? I want to say in prison I think he put $300 I'd like because I was joking that when I got out you know they give you the card

yep yeah with your comments here money I was like I'm going to get out with like 87 cents on my card you know just like joking about it And one of my buddies looked at me, it was like, what? And I was like, yeah, yeah, yeah. Like, because I'm doing this.

Like, at the very, like, boom, like, I only had like 15 bucks and I was going to go to store, whatever it was. And it was going to end up being next to almost less than like a dollar. Right. And I was like, I was like, that's, they charge you a $1.50 just to get the money. I was like, so I was like, so I don't even have a chance to get the money. So I was kind of laughing about it. And he was like, huh.

And I mean, like a week or two before, probably a week before I got out before I'm leaving like a week. I go to get on, you know, true links or whatever. Core links. Yeah. And there's $300 on my account. And he had somebody, and he deposited money on my account before. Yeah.

Because he was always hitting his spinning limit. He's like, hey, let me send you $200. Yeah, yeah. Buy me this. And I'd be like, yeah, yeah, no problem. Because I never hit my spending one. Or the phone. Yeah.

I never, I definitely have the phone because I was using my phone. But I wouldn't want, like I'm not, I'm not, I'm not, I'm not letting somebody use my phone. You ain't going to let me use your phone? Fuck. No, bro, you're going to get me throwing the fucking shoe. You're going to get my shit taken away? Absolutely not. Well, you have shit going on.

Right, that's what I'm saying. I have stuff to do. I shouldn't do nothing. But the motherfucker's smoking K2? Of course, they're doing it. I'm definitely, I'm definitely rocking. You don't need me anyway. There's 10 guys in every unit ready to do it.

I got six, I got 800 minutes a month. Yeah, for show. No, I'm not. But so I checked and boom, there's 300 bucks. And he'd sent me money before. And I looked and I was like, the fuck. And I remember thinking, I don't have time to go to comments because that's initially my thought was he sent me money because he wants me to buy him

something right right and i thought i don't have time to oh buy like like i'm about to leave yeah i'm leaving like whatever like i missed my commissary or whatever it was and i was like fuck so i go bro did you put 300 bucks my on my yeah because it tell you the name on your uh yeah it wasn't his name was somebody else but that person had sent it to me before i knew it was for him so i was like bro did you it was Tommy did you and he was like he said yeah yeah and i and i said yeah and i said bro, I'm not going to commissary. Like, what are you, what are you doing? Yeah.

And he said, oh, no, no, that's just for you for getting to the halfway house. He's, I know you think it's cute. You're going to get there with no money and start from, is what you're going to need some shit, bro? I was like, oh, wow. Like, you know what I'm saying? Like cool guys, right? Yeah, that's a real stand-up right there.

Yeah, but you meet those kind of guys being locked up rather than on the street, man. Because you all kind of going through the same things, you know? And, but that's what I was saying, too, with the... with Patrick Sutherland telling on me. Thanks, Pat. It's good that you're not holding resentment. No, not at all. But you know why, though.

You know why I'm not? Because when I did those five months in the hole before, okay, so I'm going to keep it real. Before those five months, my mindset is, bro, I'm coming back with a vengeance. Right. I don't give a fuck about nothing. I know what they know. I know how they move, how they operate. I'm about to come out of here.

You know where you're messed up? Man, I'm about to wreck some shit. And then those five months. And then honestly, like, I was a good dude, but I was like, I was very arrogant. I was an asshole to a lot of people, even though my heart was good. I was still, like, you know, rude. And it just, it helped me find myself when I was locked up, you know, well, not locked up necessarily, but like in the hole. you know what I'm saying like me being in that hole and because our hole was only one phone call

a week I mean excuse me a month on your uh revalidation date you know what I'm saying so it's like who am I going to call you know like I got the pick and choose they they jacking wreck they holding um your mail you know what I mean so all of that tied in was like yeah no that's why I didn't play with the phones in Kentucky too because I was like yeah yeah i don't want to go back to the shoe you know i'm i'm just ready to get home by this time so yeah get home and um i got a job man i've been at that job since i've been home so yeah how long ago was that how long have you been home 2020 January 2020 day after martin luther king birthday oh man that was perfect just in time for uh for covid oh right before

COVID too. Oh, really? Oh, yeah. Yeah, it was right before COVID. So COVID hit what you walk at in too. Yeah, COVID hit around like beginning of March 2020. So yeah, I, um, let me see. I was, I was only in the halfway house for, um, a week and a half. Then I got home confinement. If you had told me, if you had told me, hey, this can happen. It's going to happen. And they're going to shut down the world i told you i'd have bet every single everything i had i'd have been like you're fucking crazy no fucking way they do that that's not going to happen that's not the world yeah not the world that's insane when did you come home uh i came in uh as july uh night uh july 2019 okay i can't remember shit uh yeah 2019 2019 you think yeah so i mean i got out i was out for

while. Like I was out for it. You know what? Now I think I'm glad you've dated that for me because it was, yeah, I'd been out a year before I started doing YouTube videos because yeah, it, it was like March 2020. Yeah, but it was probably, I probably didn't start doing it till August or or, yeah, it was definitely it was August or so a little bit maybe over a year because yes, I usually think sometimes it's, oh, six months to a year. It was definitely over a year, slightly over a year maybe 14 months whatever yeah and our halfway house was at the jail was at the jail yeah had to go back to jail orange was it yeah uh it was crazy but you know what they were lenient so they would

they were they were cool um when it came to um like the halfway house people they allowed us to they still allowed us to um leave from like eight to four 30 every day listen my halfway house was in the goodwill and it was worse than prison it took like three days before two or three days where they would allow me to go to Walmart and you had like okay you've got

you've got an hour an hour it's a 20 minute drive like the Walmart and you could only go to this one super Walmart you had to go here and it was like what are you talking about 15 to 20 minute drive what am I just to run around the store I've never been in a Walmart

ever you know what I'm saying Like I, it's not like I was shopping at Walmart. How many times you go to Walmart when you had money? Never. Did you? Really? Oh, I got a story about that. Oh, that's part of your scam.

I'm saying, no, no, no, no, no, no. No, hell no. I did leave, I left something out. Okay. Let's hear it. All right. So, I got scammed by some Africans. No, that's not true.

I swear to God. No, not a bunch of Nigerians, was it? Nigerians? Like some black money, bro. You ever heard of that? No, you did not fall for the black money. Yes, I did. Have you heard this?

You know who I heard it from? Was the guy who, the Philly guy who was doing the cars. That's the first time I ever heard of what that was. Oh, yeah, I got him. Yeah, I got scammed, man. This dude named Ali, man. Yeah, yeah. And what made me think of Walmart was I caught back up with his ass at Walmart at like

three o'clock in the morning one day, one night. Yeah. So let me tell you. All right, so, all right, I'm at the gas station one day. Mind you, this is when I got everything rolling too. I'm at the gas station one day, and I'm going back to my car. Dude, now, mind you, now, he's sitting in a nice, he's sitting in like an Audi truck, right? So he's like, yo, let me how I let you, man.

So he's talking about, he's like, look, hey, I got this. black money, I can turn your 20s and the more 20s. I'm like, no way. And he gives me a demonstration right here in the parking lot of the gas station, right? I'm right down the street from the airport off Queen City Drive, right? Give me a demonstration. Boom. So I'm like, dang, I'm like, oh, that was sweet. He had some foil. He did something with, you know, and whatever the little solution was kind of burned my eyes. I think it was like, I don't know if it was ammonia mixed with something. It was weird. It kind of burned my eyes. But he did it in the car in front of me, right? Now, I'm scared to death, right, at this point in time. So I'm like, I don't know if I,

I don't know if I should trust it. Because I got what I got going on with the scam. So I'm like, I don't know if I should trust this. So he gave me his number. And mind you, we have each other's number and he's not pressing me. Right. You know what I mean? Like, Like, he's not, no, he's not. He doesn't need it. He didn't need to do it. He ain't putting a press game on me, like, none of that. I'm like, yo, look, I'll hit you up when I come back from Miami, you know, da, da, da, da.

He's like, all right, cool. So, I come back from Miami. I didn't hit him up. I probably still waited about a month and a half to hit him up. I'm like, man, let me see what this dude's talking about him. Hit him up. He does another demonstration, right? We, we out, Warwick Billy's.

he does another demonstration but he did it for I think I I gave him like I gave him 200 so look this is how it went black money real money

black money all right so it's like a sandwich is how he was demonstrating it but the 20 turns into 60 all together all right so these two that were black

now turn regular and now I got 60 instead of a dub so every 20 makes 40 right all right so we did the little flip for 200 real quick he did it I'm dude listen I don't know how this dude did it magician shit I promise like it was weird I mean yeah yeah slight of hand somehow or another he's swapping him out yeah but he's putting it in the foil too right and he probably two other bills And so, mate, right. Man, you know what? I ain't think about that, man.

That's probably what he did. So I'm like, all right, cool. And he gave me the money, everything good. Listen, this shit, I'm like, yo, this can't be real. You're thinking you can just, I can, he's like, you can leave with the money. That's your money go. No, that's what happened. Right.

But that's the whole thing. He knows you're not leaving. You're going to be like, oh, okay, I can leave. Yeah, yeah. No, no, no. I did leave with it. I know that. The first two times.

coming back. That's a fact. And I can't. So I came back. All right. I can't make this shit up, man. I come back. I go to the bank.

I go to the bank. Boom. Get the money from the chick at the bank from the cards. How much you get? Give them. $10,000. Listen, that's, listen, I know. I, there was a.

I'm thinking in my mind. 10 going to turn in the. You feel me? Yeah, yeah. Well, listen, I don't know the per lot. I've heard about guys that have done, like, hundreds of thousands of dollars and done it. Man, listen. All right, so this is what he tells me before.

All right, this is what happened. This is the whole school on the last time, like the last interaction with the money. All right. I contact them like, hey, look, well, I got 10 grand. 10 bands. Like, what's up? All right, cool. Yeah.

hey look I need you to get a hotel I need you to go buy a safe right I'm like all right cool bet yeah go get a hotel buy safe bring it boom no lie we spread we we got two double beds right we spread it we spread all the money out he got for every 20 he got the black he got two blacks so he putting it it, boom, putting it, putting it, putting it, putting it, putting it, putting it, boom, one, boom, boom, wrapping it up and foil, bro, I can't make this shit up, wrapping this shit up and foil, wrapping it up, wrapping it up, wrapping it up, wrapping it up. Whatever that ammonia stuff was that I was smelling in the car is in the bathroom.

So he takes the money, puts it in, he like, look, hey, I just want you to see. I'm putting it in the safe. I got the little solution in the bathtub, which he did have a solution in the bathtub, right? And this shit is like burning. I swear to God, I don't know how he was withstanding it. But it's like burning my eyes, burning my nose. Like, it's just like hard to be in the room, right?

So I'm like, is what it is. So he's like, hey, look, it got to sit for a little bit because we did a lot. I'm going to go grab something to eat. I'm going to be right. Word of God. Look, hey, bro, you got the key to the safe. You've seen me put this shit in here.

Yeah. But what I realized was he doesn't switch. So what I, okay, I'm going to tell you how I realized this in the end. So I leave. I call him, call him. He doesn't answer the phone, right? Oh, you leave. We both left.

Oh, okay. I got the key to the room and the key to the safe. Yeah, I was going to say, I was thinking he was going to say, I'm going to go get something to eat real quick. Don't leave. Don't let, I don't want anybody walking in and finding out. So you stay here. And then you leave, or he leaves and gets in his car and just leaves because he's got your money tucked in his pocket.

No, he did. He had the money tuck for sure. But you left together. So where the flam flam was was that I wasn't in the restroom with him at the same time. So he got me. Boom. I don't, I don't know this yet, though. So I'm like, yo, I'll leave.

What's up, baby? Hey, we're going to meet back at the room? Like, you know, that's why I'm calling them for, but he's not answering the phone. So in the midst of him not answering the phone. Now, I will say this motherfucker was sophisticated because when I tell you, he had some African girl call my fucking phone and it was the sheriff's department's number. Like, if you look it up on Google, I swear to God, it was the sheriff's department's number. Yeah, it was a, it was a spoof.

App. Spoof me. Yeah. Hey. You can do it right now. Hey, this number was in Ali's phone. He got locked up. This is what she's telling me over the phone. But by that time I had already went back and this motherfucker gives me black construction

paper in the safe. Yeah. You know, I say God. I say, damn. I'm like, yo. So I'm telling her, I say, hey, listen. You just let Ali know If I catch up with him

We gonna have a problem Straight like that We're gonna have a problem And lo and behold You didn't really think it was the sheriff department When she called Or did you call her back No no I knew it wasn't the sheriff's department

Her fucking accent was his She had the same fucking Nigerian accent I didn't know I mean I thought because what'll happen is They'll they'll It's called a blow off where what they do is they'll have somebody

call you like as from like the sheriff's department or something and then you're so like you hang up or you're like you're like oh I don't know what this is about and you hang up and you're so happy to not have been arrested you don't pursue it and what

in the old the there's a scam called the rag where they call the rag and then there's the wire and what would happen is it's almost it's not the same thing but it's similar where basically you know you're doing something illegal right and so then you get to a point where where you're about to get your money right and the and two police officers come in and

they arrest the guy and while he's being arrested he's like they go to grab you and he's like no no he didn't have anything to do with it he didn't have anything to do with it and they grab the money and then you're so happy right that you didn't get arrested in the fraud Even though they took your money, you're like, at least I'm not getting arrested, you don't even, you basically take off and you don't ever look back. You're like, yeah, I just lost 20 grand, but at least I didn't get arrested. So you don't pursue it. Right. You know, it's called the blowoff.

But all three of them in cahoots. Oh, yeah. And you're in cahoots. You knew what he was doing with fraud. No, no, I'm saying the guys that grabbed the money. Oh, of course, they're not real police officers. But you don't know. So that girl calling you, he was hoping you.

Mm-hmm. Yeah. She, he was hoping, if he'd used like an American woman, she might have been like, she might, yeah, yeah, she might have, yeah, she might have, yeah, for sure. You might have seen him in the, in the Walmart a year later and been like, yo, bro, what happened, man? They called a cops called, you would have never known. No, I wouldn't have said that. Where is my money? You left me with construction paper.

Well, I know, but obviously they fucked up at that point. Yeah. The big thing was for you to have thought he got arrested in some way. and that that money got seized. Then he would have been able to say, yo, bro, they got all the money. I got, I'm still waiting to be sentenced. I ain't going for that shit.

Okay. I mean, no, I know what you're saying. Yeah, but people do. Yeah, yeah. Yeah, I'm saying with me, yeah, but I'm a fraudster myself. I know, but you also fell for the black money. Man, I did, man. I did two runs with this dude, man.

It was good. I did two little smooth runs, something light. Yeah. And I was like, gusto. You know, that's like betting on red, man. I got, yeah, man. Come on, that's like the roulette table, man. You know, red hit them two times.

It's probably going to hit the third. No, it's not. I know, it ain't red no more, black money. Oh, my God. It got me. Man, I couldn't believe it. I was really, I'm holding resentment with that one. Yeah. For real.

Yeah, I end up seeing them at the Walmart, though. And I ain't do nothing to him. No, real talk, I didn't, man. Yeah, man, I wanted to. But I was like, yeah, no, because I had too much shit going on. So, I mean, did he see you? Absolutely. So look, this is when Walmart was 24 hours, right?

Right. So I'm leaving out. And mind you, it's like 2 o'clock in the morning. I'm walking out. He's walking by me coming in. And I'm like, I say, Ali. I swear to God I was like Ali

He looked He was like Oh my God Yeah for sure And I'm like man I Ooh we So

You didn't look back in Go to the sports department Ground baseball bat No Dragging it up behind him He'd be all like No I um

No I I sat outside in the car And Thought about it Man I thought about it Real bad too Yeah

I followed them for a little bit. And, yeah, because the car that I had when he did that to me, I didn't have anymore. I had a new car. So he didn't know what kind of car I was in. But at the same time, it wasn't a lot of cars on the road at that time of night anyway. But yeah, I followed him for a little bit. And I was like, yeah, no. I was like, I got too much to lose right now for him. You know what I mean? Because, man, my operation was rolling. So I, yeah, I'm not going blow my operation over. For 10 grand. Yeah, not for 10. No, no, no, no. I get that Do you think fraudsters are more, I guess, susceptible, is the word?

Do you think they're more able or more vulnerable to fall for other types of frauds? Because they're thinking, like, I just think of the thing with Zach, you know, Zach, who's been on the show. Yeah. He fell for a fraud that was like, kind of like a Nigerian print scam. Yeah. You ever heard that? Yeah. You know, I have all this inheritance.

and like me or most people would just immediately write that off like okay that doesn't work but he was trying to think like it is a scam maybe he really does have the money or something yeah so the Nigerian print scam and there's different versions of it right um is that a a lawyer a barrister and usually in the UK will contact you yeah and say that they represent someone from Nigeria a Nigerian uh the royal family and the Nigerian prince and his his lawyer like got killed in a car accident right and all the Nigerian prince's money is in the UK in a bank in the UK the barrister that got killed with him um had access to the bank or the bank account right and this is the obviously the one

the one that Zach had was altered slightly this is the original one and so the bearer guess what? The barrister happens to have the exact same name as you. And so I need you. So I'm, we're willing to, if you will allow us, we can, you'll have to sign some documents and we'll wire the money to you. And we're asking you to accept 10% take, you take your 10% out, wire the money back. It's like $15 million. You'll get a you'll make 1.5 million you know and so you have these phone calls and you get excited right like he'll send you like they'll send you like the article about the prince dying and a car bomb and the and the barrister oh they're sending real articles oh it's not real though no i'm just saying no no i'm just

oh yeah they'll send like the guy you're dealing with the he'll he'll the lawyer you're dealing with he'll make it sound good he'll send you all his information you can call the law firm you could like it sounds legit of course it's in the UK so you don't really know how things work there and you kind of feel like that's possible. Like, yeah, if there's another Matt Cox and his name's on the account, like if there was another Matt Cox, I could walk into the bank right now as Matt Cox given my account number, my ID. They give me the money. Right. This is true. So that's how, and you're talking to a lawyer, and you can call the lawyer back. There's a secretary answered the phone, the whole thing. Well, so you get all excited. And what you find out is just before he wires the money,

you have to pay, before they'll allow him to wire it, international law says you have to pay for the taxes on it and that's you know $18,000 or something but by this point you're so you know you're so excited about it and um you know they may even show you they've filled out all the paper whatever they'll show you paperwork so now of course you lose a lot of people right so but some people pay you know yeah i'd say did you ever see that you know casey anthony right the casey anthony trial yeah um like her father was a police officer at one time he fell for that scam he paid like seven grand or something like a lot of people fall for it so there was a version of the scam that's going around right now

where these guys are and they're going back to the old school they're not emailing anymore so it used to be it used to when it started back in like the 50s or 60s it was they mailed you a letter so it was mail right then it it evolved to phone calls right then it evolved to emails and now it's back to you get something in the mail. And what they're doing now is they're hitting up roofers. Because roofers typically have, they'll have like a credit line, right? Because they'll fund $5,000, $10,000, and then you pay them. So they're hitting up all these different roofers.

And the letter comes, it's on letterhead. And you know, you get this letter. And then you, and it says, hey, I'm a lawyer with so-and-so, and it's got your name. You call them. They answer the phone. they explain the situation to you and you're like holy shit like this is legit these guys mailed me it's got to be right and so my buddy zach believed that right how much did he give him he didn't give him any money like because his whole thing he'd never got to the point well he got to the point where

he's excited he's like this is happening we're gonna we're gonna make like because he had a buddy who's a roofer who came to him and he's like bro is this real and he's like oh my god he's like and the guy's like it's got to be a scam right he's like no they're gonna send you the money right and his whole thing was the scam was that the lawyer was taken like 30% right and his the scam was he felt like the lawyer was like look this this this we I know this isn't your money so I'm going to wire you the money and you you're going to send me whatever 30% or whatever it was send it back to me because he's like no the lawyer's committing a fraud so he felt like hey the lawyer's going to get the money I'm going to keep some he's going to keep like he's figuring

this out. Right. And then the last minute, they asked the guy to send them money for the wire fee or taxes or, and that's when he was like, fuck. That's what he realized. You know, you know what, though? I was locked up with a few guys that did the, um, the, um, oh man, the sweepstakes scam. You know about the sweepstay scam? No, but it has got to be something similar, right? Like, you have to pay the fee before you get the check or what you can. Well, okay, so you remember the sweepstakes when you just fill them out, put them in a little box. Yeah. Fill them out, put them in the box, right?

Right. So, you know. Okay, I know. Yeah, so you get the leads on those. Right. Right. So I was locked up with a few guys used to get the leads on them. And like you said, they'll tell them, hey, look, you know, hey, this is such and such,

hey, you know, you won, you won, yeah, you won $150,000 in the sweepstakes. Oh, my gosh. You just got to pay on the. taxes real quick to get it released and they man but see they were actually they were taking like old ladies yeah they're targeting old people that's crazy or the car it's like that you want a car you have to pay for the shipping oh wow there's one right now that they got this was funny too this was the one with jess where jess where she where um basically this so they'll go on people will go on Etsy. Yeah. And they'll go on Etsy and, um, so let's say you're selling something for

$400. Okay. And they'll say, hey, look, you know, my, whatever, my credit, I don't want to do it on my credit card, whatever. Can you give me an address? I'll just mail you a cashier's check. You can deposit the check. And they were like, and of course, people are like, yeah, that's fine, because I'll deposit it. They know you have an established account, right? Right. So they mail you the check. You get the check. And on the way, both just before you get it, they go, oh my gosh, my husband or my uncle is the one who got the check. And he was supposed to be mailing a check for this and something else. And the cashier's check is for $1,200. Look, because I want to get that as a present for my whatever son, I really need it to be in the mail as quick as possible. Can you do me

a favor just deposit the check send me the painting and just wire me back the rest of the money the extra 800 bucks right so that happened to me i did yeah yeah this happened to you yeah this person contacted me and said hey i want to buy this painting from you for it was like it was three hundred yeah and they came back i'm sending you 1100 bucks whatever it was 1400 whatever and they sent me an email i was supposed to get the cashier check like the next day they sent me an email and i'm looking at it And I read the email to my wife where we're in Starbucks drive-thru. Right. I can listen to this.

And I read the email, and I'm kind of chuckling because I realize it's a scam. Right. And she goes, she goes, oh, that's trusting of them, like to expect to trust you to sit in the money back. And I just looked at her and I thought, man, I'd take all your money. If I was active, yeah. Like I thought, you understand it's a scam? She was, how?

And the cashier's check is fake. Facts. I'll deposit it. It will clear within a day or two. And it's going to bounce back. Right. And it'll bounce back in a week. When the bank figures out, they mail that into the originating bank.

That bank says, this isn't good. There's no account here with that money. They then take the money. But by that point, I've wired the $800. Right. And she was like, and you get hit with the bounce back. Right. And she's sitting there.

She's like, no, no, but it's a cashier's check. I'm like, no, it looks like a cashier. Like nobody knows it's not a real cashier's check except for the original. bank my bank thinks it's real they give me the money right away well yeah especially if you put it in the ATM right or you'll take a picture or you whatever you know they were doing that too and um around 2013 they were doing yeah 13 they're still doing it now it's huge no no no they would call it the uh uh secret shopper secret shopper yeah nice secret shopper hey i've heard the term secret shopper I didn't realize that's what this was.

Yeah. Hey, I want you to be a secret shopper for me. Okay. I want you to go in to give you a list of places. I want you to go in to this, this, this, this and this. Hey, here's 2,500. 1,500 is yours. 1,000 is mine.

You know, just use secret shopping. Don't tell anybody that you in their shop. And they send the chain. And they'll send you $1,000 back. No. You said they give you $2,500, $1,500 is there, send me $1,000. So they send you a thousand and I got the thousand.

No, you got the, you got the, oh, yeah, you got the, yeah, I'm screwed. The scamster gets a thousand back. But it's, yeah, it's bouncing all over your bank account, though. It's over for you. There's so many. It's over. Especially if you actually have your own hard-earned money in your bank account, you know what I'm saying? So let's say that you can cover that you're still out of $2,500.

Yeah, you're out. Yeah. Well, you know, what's so funny? is people say, you know, well, how can somebody fall for that? No, no, if you hit up enough people, somebody, you might have to hit up 20 people, but what is it matters, it's free money. If I hit up, if I hit up 40 people a day and two people fall for it, I just made $2,000 a day. Right.

You know, now granted, I have to find somebody that deposit that money or I have to do, but for $2,000 a day, I can do that. Yep. Yeah, you keep sending those emails too. You know, listen, I had a guy who was. he would go just meet, he'd pull up in a, pull up in a limo, he's buying, you know, tape, whatever they call it, bottle service, he's VIP, blowing money, and he would pick up girls.

And this is a guy's complete geek. Yeah. I mean, just this nerdy little fucker. And him and his buddies, and they would go out, and they, and girls, of course, are flocking to them. And then the girls would be like, like, what do you do? And they go, man, I'm a scamster. I scam.

Yeah. And they're like, what do you do? And they'd go, hey, you want to get, I'm, I'm. I make like a couple hundred thousand, you know, a month. You know, you want to make some money? Look, here's what, you got a bank account? And they would convince these chicks, like, let me have $30,000 deposited into your account over the next month, month and a half. You pull the money out.

You keep 10%, which is ridiculous because, let's face it, your taxes, if you paid taxes on the money, you know what I'm saying? Or is X amount of dollars. So they take 10 or 20%, whatever their agreement is. They pull out the money in cash. Right. Give them the money. And the thing is, the girls don't realize, like, they don't have their real cell phone number. They don't know their real man.

Like, it's all a part of their scam. Right. And yet, I was always like, you're telling me, like, these chicks are letting you deposit? That's the dude that said he got too close, and the girl knew his name. You know, his partner. Or homeboy. His partner falls in love with this shit. Yeah, with the chick, yep.

And she told on everything. I would love to have him. That was good. I would love to have the. the original guy on this show because he was so

unabashedly um uh I mean just he had no shame he loved what he had done yeah he would like his

he's just no shame it was I mean it was it was so over the top obnoxious it was funny yeah I mean in a horrible way Like he would, he would do a whole, you know how Dossie did the whole, Mr. Dossie? Um, he would do a whole thing with him talking to some old woman on the phone. And he would do her voice and his voice and her voice.

And he would do this whole, and he'd laugh about it. And he'd be like, oh, yeah, yeah. And then, then I was like, well, no, no, that, well, yeah, I understand you paid the 15,000. But now this is what happened. Like, why didn't you tell me about that, Mrs. Jennifer? you know and she's oh so sorry he'd go well you're going to have to go to the bank right now and he'd be like and you're like I mean he was just horrible she's like yeah I don't but I don't have the money I don't have to wait for my social security to get age oh what is that going to be well you need to

go to the bank now he was like oh you're a horrible human being and he would be like that is bad man I ain't taking no social security see you know I just I took what I knew you could get back yeah well I mean listen it's credit cards like I you know Everybody's like, oh, you're a horrible person. Like, listen, man, don't, you think Capital One can't afford to lose a couple thousand here or there. And it's not that big of a deal. I mean, I know the right thing to say is you're a horrible person. But, you know, so what's, what are we doing?

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