Matthew Cox | Inside True Crime Podcast - Credit Card Scammer Reveals His Secrets

Episode Date: January 11, 2026

Stop leaving yourself vulnerable to data breaches. Go to my sponsor https://aura.com/matt to get a 14-day free trial and see if any of your data has been exposed⁣ ⁣ Get 10% sitewide for a limited time. Just visit https://GhostBed.com/cox and use code COX at checkout. ⁣ ⁣ Ghost B shares fraud stories from his past.⁣ ⁣ Ghost Links⁣ https://www.facebook.com/share/17S3sHqWiz/?mibextid=wwXIfr⁣ https://www.tiktok.com/@ghostfinesse2?_t=ZT-90iWTca5aXH&_r=1⁣ http://Twitch.tv/ghostfinesse2x⁣ https://www.instagram.com/ghostfinesse2x?igsh=eG9nYWN6OXo4NTZn&utm_source=qr⁣ https://youtube.com/@ghostfinesse2x?si=KPvjr7a-0CJEsjFU⁣ Our last interview together - https://youtu.be/t-h7K6jzHYQ⁣ ⁣ Do you want to be a guest? Fill out the form https://www.insidetruecrimepodcast.com/apply-to-be-a-guest⁣ ⁣ Send me an email here: [e-mail]⁣ ⁣ Do you extra clips and behind the scenes content?⁣ Subscribe to my Patreon: https://patreon.com/InsideTrueCrime ⁣ ⁣ ⁣ Follow me on all socials!⁣ Instagram: https://www.instagram.com/insidetruecrime/⁣ TikTok: https://www.tiktok.com/@matthewcoxtruecrime⁣ ⁣ ⁣ Do you want a custom painting done by me? Check out my Etsy Store: https://www.etsy.com/shop/coxpopart⁣ ⁣ Listen to my True Crime Podcasts anywhere: https://anchor.fm/mattcox ⁣ ⁣ Check out my true crime books! ⁣ Shark in the Housing Pool: https://www.amazon.com/dp/B0851KBYCF⁣ Bent: https://www.amazon.com/dp/B0BV4GC7TM⁣ It's Insanity: https://www.amazon.com/dp/B08KFYXKK8⁣ Devil Exposed: https://www.amazon.com/dp/B08TH1WT5G⁣ Devil Exposed (The Abridgment): https://www.amazon.com/dp/1070682438⁣ The Program: https://www.amazon.com/dp/B0858W4G3K⁣ Bailout: https://www.barnesandnoble.com/w/bailout-matthew-cox/1142275402⁣ Dude, Where's My Hand-Grenade?: https://www.amazon.com/dp/B0BXNFHBDF/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1678623676&sr=1-1⁣ ⁣ Checkout my disturbingly twisted satiric novel!⁣ Stranger Danger: https://www.amazon.com/dp/B0BSWQP3WX⁣ ⁣ If you would like to support me directly, I accept donations here:⁣ Paypal: https://www.paypal.me/MattCox69⁣ Cashapp: $coxcon69 Learn more about your ad choices. Visit megaphone.fm/adchoices

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Please check it out. I really do appreciate it. Thanks. I had a neighborhood friend. He was just like, oh, you ever heard of robbing, like slatching run, something like that, and that nature. And I'm like, yeah, I heard of it. He was like, yeah, you want to do that?

And I'm like, yeah, I'm down. Cool, whatever. That's what we're going to do. So we started out, like, going to, like, by bars. Like, we used to wait at his house to, like, around two, three in the morning. And basically, we go out to this secluded place where, like, people leaving

the bar, they drunk. And it was just crazy. Like, it started off as us. Like, we would just run bars, slashed their phone out their hand. Because this one, our phone didn't have the, the cloud lock. Right.

Like, you could just plug it in the iTunes and just reset the phone, whatever case may be. So, That was the thing. So we were just on straight grab electronics. Just our phones, boom, just walking. They standing on the corner, walking home on their phone.

And that was easy. Everybody always walk around on their phone, head down. So that was easy. We were slatching phone. One day, he came to me. He was like, oh, I got this gun. Like, somebody gave me a gun. And I'm like, oh, wow.

So this is my first time being introduced a weapon. I'm like, okay. Like, that's what's up. I didn't really think nothing much of it at the time. He was just like, yeah, you know what that mean, right? And I'm like, yeah, you got a gun. Like, that's cool. You get to walk around with it.

Nobody going to mess with you no more. He was like, no, like we could rob people with this. We don't got to slatch and put people in choke clothes if they don't want to freaking give up their phone. Like, we could just, this is going to be easier. We just point the gun at them and just take the phone. We don't got to shoot them. We don't got to do anything.

They're just going to be scared. They see a gun. And I'm like, okay like we'll see how I work out so so at this time I was 17

okay I was 17 so at this time we go out we tested out whatever the case this didn't last too long by the way

we went out I had a couple successful one I remember this one guy he had a laptop and And like the friend I was with, he was a little bit older than me. Like, that's another thing. He was a little bit older than me.

And I guess, like, he kind of done it before. Like, you could tell when somebody did something before. Like, I could tell, like, you're not new to this. Like, I'm over there, all racing. I'm scared out my eyes now because now it was a gun. And I kind of know, like, oh, you know, this is not good if you showed them a gun and take something from them. I know, I know it's just not good.

You know what I'm, so I was a little scared. You know what I'm saying? I was a little scared. No, I was scared. I might be saying, I was scared. So we doing it, boom, da, da, da. We, a couple of days go by. And I remember this one time we were just out walking.

We didn't really feel it. Like, we didn't really see anybody. It wasn't really nobody outside. I guess people was hearing, like people was getting robbed over here. At the time, I didn't, I didn't know why I don't see nobody. So it was just weird. So we just like, and we used to take the train to go. do this. We used to get on the train, go somewhere, blah, blah, blah. So we're walking back to the

train. We're like, you know what? We're just going to go home for tonight. It don't look like a good day. We don't think we'll get somebody today. So as we walk into the train, right before we get to the entrance, I remember he looked across the street and he's seen a dime, like walking, like with a briefcase in a, and a, kind of like a suit, like a trench coat. He had a trance coat in a suitcase. So he was, he looked at me. He was like, what you think? We got one?

And I'm like, man, I don't, and he just runs off. He just runs off. He just runs off. I'm like, oh, man, I chase behind him. So he chased, so he running to him. I'm running, I'm over there running behind him. He's straight. And he's like, it's just so funny.

Like, because he talked about this out and it's like, he's a profession. He's, get on a, get on the fucking, oh, you motherfucker. Get on the floor for I fucking kill you. Like, he's animated. Like, he's trying his best to scare that shit out the person. So, so my job always with the thing that's in a police report too. Like, I would always just be the one just going and just grabbing the phone and they just running. Look at these 11 pages.

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He had a phone, wallet. He had keys. I don't remember taking the keys, but it's in a report that we took his keys, so took his keys wallet, phone, boom. Okay, good. We run right by the train already. We run across the street, run down the train, running. And, and And you know the turnstile in New York City, like they have the turnstile where you got to pay to get through. So we run in, jump over it, boom. So we jump over the turnstile, and it's like, these are turnstile and it's stairs on both sides.

So it's either one. This train is going this way. One train going the opposite way. So we jump on the turnstile. As we running towards the stairs, we hear the train just pulled up. Like, we heard the train just pull up. So we're like, all right,

so we're going to hurry up and try to cat. That's just train that just pulled up. It was just perfect timing. Like, it was amazing. Train pulled up. People already coming out the train walking up the stairs. So we're seeing people walk up the stairs. And out of those people walking up the stairs, we see a female and a dude.

And they pull out their badge, freeze. Ah, ha, ha, police. And then they pull out their firearm. They pointed at us. So he bust the U-turn, I bustle U-turn. We just start running. We run out the train station. run up the steps, hit the corner, the first corner we hit, I see them, toss the,

toss the gun under the car. Tost the gun right there. We running, we're running. I'm like, bro, I'm not going to lie. I smoke too much grass. We're going to, I can't, I can't do this for him. We didn't even get no way. We just got on the first block, and I'm telling him, like, listen, I can't run for two

long. So he's like, all right, we go on one of the houses. It's like a house. It's like a block with houses. It's not like houses in Florida. It's like houses. It's like the sidewalk. Then it's the steps you walk up,

pull to the house. So the houses, it's like right there. It's just house, house, house, house, right next to each other. Like they basically connect them. So we jump over somebody, somebody little gate because it's a little, like a little gate up to my waist. Jump over the gate. We need to ball to open it.

Go behind the grass and we just laying there. So as we laying in the grass, we hear as soon as like probably 30 seconds later we hear a cop drop by like filming like you hear the acceleration and then you hear the you hear the brakes say they stop heart beeping heart beeping boom boom boom you hear the door open it's i guess it was two it was two people walking on the block and they stopped them they was like you did you see two guys run by you could hear them talking it's the middle of the night quiet a shit you could hear everything You seen people, two people run back.

I guess they said no. Close the door. The door closed. Drive again. Ooh. They drive off. Minutes after that, I stopped. Like, we sit in there.

We're like, yo, we're just going to stay here. If we got to stay here overnight, listen, we're going to sleep here if we have to, like, if that's the case. I'm not rushing to go to jail. I'm not rushing to go back home. So we laying in the grass. All of a sudden. We see lights like shining on the building, like on the houses across from us.

Because it's the blocks, houses on each side's facing each other. So we start seeing a flashlight, like just on the houses, like just going around. And it's getting closer. It's getting closer. It's getting closer. So all of a sudden, this dude pop out in front of us with a flashlight. And he shards it at us. So I pop my head up.

He popped his head up. And we just look and we just literally looking at it. each other for like about 30 seconds. We're just staring at each other. Nobody's saying nothing. In my head, I'm thinking like he's not going to say nothing. He's not going to say free, don't move, nothing. This is just a regular guy. This is a cop.

Yeah, okay. So he's just standing there a detective. He's just waiting for the other cops. Yeah, so we don't know. Yeah, basically, but he's just standing it. But I can't really see him because he got his flashlight on me. All I see is like

a figure, but I know it's a person standing there. So I told my friend, I'm like, yo, put your hands up. I don't know if he's trying to shoot us. I've seen this. I heard this before. I'm like, just put your hands up. So he put his hands up.

I put my hands up. Soon as we put our hands up, he's like, freeze, don't move, don't move. I'm like, oh, now he got a voice. Like, so he was just like, come out, come out, come out, the front yard. So I guess he already called, like you said, he was waiting for backup. So I guess he called the ready. So we're walking out the front yard. As we walking out the front yard, I'm looking right to left.

It's already like three cop cars there. And then like every second is just another cop car, another cop car, another cop car, another cop car, another cop car. So they're just filling up the block like the whole entire precinct. They don't came out, I guess they were waiting for this day to where we slip up. So they come in, boom, they're talking to us. We sitting in front of the cop car. They're asking us question, where's the business? gun where's the gun what gun what is you talking about where's the gun uh-uh um we we know the person

you rob this and not the case we know playing stupid we don't i don't know what you're talking about blah blah that's the cold no don't talk to cops so we all playing it cool so right before they of a number right before they put us in the car where he threw the the gun that it was a cop like looking under cars like he looking under every car and i'm watching him prior to it i'm like dang he check it under The cars, he like 10, 15 cars away at this time. And I'm like, dang, I hope he don't, I just hope he don't get to this car. But he got to it. And I remember looking as he's getting to the car, he looked under.

And then he go down and he just come up like this. He's like, we found it. Like, he's holding it. Like, it's a bug. Like, it's a disease. Like, he's holding it by the tip. He's like, I got it. I got it.

And then the cop that was holding us were just like, yeah, you're fuck. And I just remember, like, I remember that. Like, he said, yeah, fuck. You're going to look at your buddy and say, they got you. Yeah. Looks like they got you, Jimmy. They, they had it. So, yeah, so now I'm scared as shit.

I'm like, dang, they found the gun. Now it's starting to hit me. Like, I never, that's my first felony, first serious charge I ever got in trouble with. So I'm scared as shit. I'm like, dang, they's going to give us 10 years for this. Crazy.

I'm thinking crazy. I'm taking the most worst scenario ever. So we get in the cop car, go. I'm thinking they better talk to Jimmy before they talk to me because I know who's going to do this. I'm going to put some money on your books.

So it's funny. How you go into jail for your gun? Yo, it's funny how this plays out. Like, actually, are you my, five. We're on our way to the jail. We get booked.

we get processed or whatever. So my co-defendant, like I said, he's older, and he had a record. I'm going to put that in the vince. He had a record, but I didn't know at the time. So I guess he had a prior felony, and he's over 18, but I'm not over 18. So according to New York City at the time, I wasn't an adult yet. So I was 17. I was right there at the border line.

So we get processed or whatever, you know, seeing off. went to first appearance. I remember we got Bell, but my bell was later on reduced, and this caused the whole problem. Like, it was crazy. But we both got Bell. We was together through, like, the whole process.

Soon as, like, we went to intake, because we in the States, we go to intake, we sit in there, boom. My co-defendant, his papers got processed faster than mine. So he already got placed in the house, and we was in Rikers Island So in Rikers Island They had an intake house called

Marr born at the time We get there Boom Yeah we get to the intake house No he get to the intake house first And I guess when he got there He got into a fight or something It was just funny

He got into a fight Because he's an eye head Like it's just a speckled It was just funny because it's like I expect to him like So by the time I got there, so I get there after like a couple of hours after, and I was looking for him. I'm looking around the dorms. I'm like, oh, where is this person named B, Bilo, Belo, and they were like, oh, we don't know what you took him out.

So I described them. Oh, that kid, the Spanish kid, oh yeah, he had a fight with some guy and he's in a box, he's in a solitary detention. So I'm like, wow, I should have knew it. Like, he's, he's a person, like, you tell him, like, oh, like, your shoes on time. Oh, why did you tell me? Like, why did you say it like that? Like, like, you want to fight? Like, you want to, like, he's one of them.

Yeah, he's, he's a nut. But I think he's in jail right now. That's the crazy part. He's currently incarcerated. The last thing I heard from him, because he was in and out after that. So I get there, boom. Didn't see him. So I got placed in the.

the first house I went to, after intake house, they place you when the house you're supposed to be in. Get there. You know, first time in Rikers Island, too. First time, it was crazy. Flights, alarm going off, back to back. And the alarm is, like, something that they ring inside the detention center. Like, when it's a fight happened or anything happens, somebody get cut. Like, you can hear it.

It's so loud. It rings across the whole building. The whole building start. Ooh, ooh, ooh, it goes. off and these people, we call them turtles. They like the riot team that come in with the shield, as and stuff. So they was being called to our unit a lot.

You know, it was just a lot going on, a lot going on. Matter of fact, I remember, I was, I wasn't a adult yet. So I got placed with the 17 to, they had it like 15 to like, they had it like from 14 to 16, though 14 to 17, 15 to 17, 15 to 17. somewhere in there and then the rest was younger and then it was us the 15 to 17 and then it was the adult so I guess he got a son to every you know he went with the adults so I never I never seen him at that time so so I was just in the house you know just getting a hang of it um never been a jail like never been a like jail jail probably been a like arrested went to the precinct mom picked me up for

like smoking weed, minor stuff getting caught, smoking weed, or shoplifting, just stealing little items and getting caught, like, little stuff like that, go to the precinct. As soon as I get to the jail, my mom come get me right away. But this is my first time actually experiencing, like, this is Jeff. And knowing now, like, Rikers Island is off the wall, like, it's crazyos, the correctional officers than it is. They don't give a shit. They,

they young and from my neighborhood. Like, they, they fighting with us. Like, it was a time out of, I see a correctional officer, tell a person like,

you don't come in the closet. Like, they was arguing back and forth. They went in the closet. They was fighting. It wasn't no camera at this time. Now they got cameras in Rikers Island. So it's crazy.

I think we interview that, dude. We had, we had a cop that got, he got in trouble. They threw him in federal prison for violating. Yeah, for violating their rights.

Because he would, he would say, you know, guys would mouth off and he'd be like, you want to go in the fucking broom closet? We'll go right now. I'll take my shit off. Yeah. And he said, I'd go in there and fight.

Because sometimes I lose, sometimes I win. Fuck. Yeah. So it was like that. Like, that's the type of environment. Like, that was, that was going on. So it was, it was okay. So I wasn't, I wasn't there for that long.

You get what I'm saying? I was there for probably a month, two months at most. And then they reduced your bail. I figure out they, they would, they would do. the bell. My mom didn't tell me. I was calling my mom at the time, talking to her. You know, she's like, what the hell doing rob and people. Like, this was absurd when she found out, like, religious, going to Muslim practice every Friday. She just, she couldn't even understand, like, you were in jail for, like, an armed robbery with a gun. Like, you had a gun?

I'm like, no, ma, like, somebody had a gun that was with me, and they robbed somebody, and they did everything and I was just there, Ma. I didn't do anything. I didn't rob the bank. I was just driving the car. Right. So, so she was just like, okay. At the time, like, it sounded believable because she never seen that in me.

Like, I never, you know what I'm saying? Everything I did that was bad was just out the house, never, like, the most, like I said, she's seen me do is, like, probably stale from, like, my father while, a little petty stuff, but not to this felony sitting in jail. So this was crazy. So I guess her, she went to my father

Or went to somebody Bag, bag, bag, and then my I end up, she ended up No, she ended up getting my father to bail me out She talked to him, whatever the case may be Because I don't think she was a citizen at the time So she couldn't do the paperwork herself Whatever the case may be

She ain't, we ain't know about Bell's Bond Nothing. I'm not even worrying about bailing out at this time That's how fresh I'm in the jail. I didn't even think probably at the time, like, I could come out. Or even if I can come out of bail, I heard probably $50,000, my first court hearing. My parents don't, they don't have $50,000. I'm not even thinking about that. So they come to myself.

They knock one day. Boom. Like, pack up. Okay, I pack up. I'm like, what's going on? I'm going to a new house. Boopoo, packing up. They was like, no, you're going home.

I'm going home. I'm like, oh, wow, they dropped the charges like I beat the case. You've got to court, you haven't done anything yet. Yeah. So I'm happy as fuck. I'm going. I get to the gate, open the gate, let me all, I'm walking down the corridor, happy and stuff. So I get to the back to intake, and they finishing up my papers and stuff writing.

They was like, yeah, this is when you come back to court, this and that. I'm like, back to court. I'm like, I'm going home. They're like, yeah, but you got to come back to court. Somebody made bail for you. I'm like, who, who? And they show me the name. They were like, do you know this person?

I'm like, oh, that's my father. And then, like, me and my father, like, growing up, we ain't have too much, like, a close relationship. Like, we just always buttoned head mostly because of school, like, always getting trouble in school. You know, he ain't like it. He came from a different background. So I ended up finding out he bailed me out.

So I'm like, all, cool. So they was waiting for me outside the jail. They picked me up. We driving home. And as we driving home, he got the paper. She was like, yeah, this is your papers. Mom, like, yeah, tell your dad. Thank you.

I'm like, oh, thank you. Chris and I'm reading the paper, and I'm looking at, like, the bell amount. I'm reading everything. I get to the bell amount. The bell amount is said robbery, bell, $500. $500. And then I'm reading the paper. I go to the next one,

firearm, $1. I'm like, what the hell? So I asked my mom, I'm like, I'm like, how much was my bail? And she was like, I don't know. Asked my actual father. Your dad, how much was the bell? She was like, it's on the paper.

This is how much I had to pay it. Like, that's it. And she was like, yeah, that was your bell. I didn't understand what was going on. So they lowered it from $50,000 to $5,000. $500,000 and he was able to pay the... No, it was $500. They lowered it from $50,000 to $500?

$500. Why? This next part I'm about to explain, like, I don't want to... To this, I kind of get it because it was my first charge. But even still, I really don't get why they lowered it that much. I still don't really understand. I know it's my first charge, first felony, but lowering it down to $500 and lowering the gun down to a dollar was crazy.

But I end up finding out that they end up throwing out the gun. Because even though he said we presented a gun, they didn't find no DNA on a gun. And he ended up finding out my friends. He's running, like he's wiping it down a little. He said like he wiped down a mag. Like, the gun ended up having not having bullets. So it wasn't a deadly firearm.

So he's running around doing this whole time. We could have got shot by somebody who pulled out a railgun on us. And I didn't know it was no bullets in it, but it was no bullets in the gun. That wouldn't have made a difference in Florida. Yeah. They don't care if it's a cap gun. That's the crazy part. But New York is, like I said, it's different.

Like I got away with so much more stuff in New York for some reason. Like I said, like the charges. I caught in New York, like, if you look at my rap sheet, it's crazy. But now I know, like, being anywhere, Virginia, Florida, down South Texas, like, it's, like, they're not playing. You get caught with a credit card, like, like, my first couple of times getting caught with credit card was, it was nothing. Like, the case got dismissed, damn it.

To the point, I caught a lawsuit because they dismissed the credit card case. Yeah, they were caught catching down. And then I sued them. and got paid I swear to go out well let's get to that so I was going to say they talked to a bunch of

cops that were busted some guys was it in New York hold on I think they I don't know if they cops were down here or if they were New York whatever it was there was a bunch of

of guys that were stealing like they were rushing into places and stealing doing like smashing grabs and stuff and I think they caught them in Florida Loua. And they were like, why, like, you guys live, like, they live down here. Or they were down here all the time.

They would go up to New York, steal, and come down here and spend the money. And the cops caught him. And they were like, why do you keep going back to Florida? And they were like, do you ever commit any crimes in Florida? They said, oh, fuck, no. In Florida, they'll put you in jail. They were like, we rob up in New York. We just come down here and spend the money and live down here.

Like, this is where you live down here, but you rob up there. And it was like, wow. Like, that's a bad policy. Yeah. That's a bad policy. And even growing up, you saying that, I remember, like, people used to say that. Like, people that left out of state and did crime, like, they didn't come back. Like, and I always remember that.

Like, that was just always a thing, like, in New York growing up. Like, try to commit your crimes in the city because you go out of town, we call it OT. Like, they're not playing with you out there. I've never been out of town before. All I knew was New York City growing up. So, but that's, that's, that's what we heard. So what, what happened to the, what happened to charges on that? So, so, so, so, so, so, I'm going to tell us this quick story.

Um, so we got home, found out the bell, boom, found out the bell. So now I'm fighting my case outside. I'm going up and still seeing my co-defendant. I'm going, I'm visiting, I'm visiting him in jail, checking up on him, seeing where his mental health ride. Every time I go up, we got to sit like it. in the cage where everybody else out with the visitors because he always in solitary detention. So he's still causing trouble.

And it was cool. I told him, like, I made bail. This and now and the third. And I told him, I'm like, the bell was 500 and the gun that gave me $1. And he was just like, oh, wow. Like, that's what's up. And I'm like, yeah, that's what's up. And I'm like, I don't like, you know, just like to talk about the case.

What we're planning on doing? And the original plan, like I said, I know in a job. justice system, not knowing we got caught right hand. He was like, you know, we're going to trial. That's what he's telling me. He was like, don't cop out, go to trial. Don't, don't plead guilty. Don't plead guilty.

Like, trust me, I know, I know. Don't plead guilty. I've been there before. And I'm like, okay, that's what we're doing. So one day, so it started for me, like, seeing him, like, every week until, like, it started slowing down, like, once a month. And it'd been going on for, like, about five, five, six months. And one day it was a house party that they was having.

I remember like my co-defendant sisters there. And like this is my co-defendant neighborhood. It was a party in his neighborhood. So I went there like with my friends that I usually go over there with to hang out like on a regular basis. So we at the party. I'm chilling, sitting, relaxing. Some guy woke up to me and he like, I could talk to you real quick. He was like, your name goes.

I'm like, yeah, he was like, can I talk to you real quick? He'd bring me in the kitchen. So I'm in the kitchen. I'm talking to him. And he like, so you got arrested with Belo, right? And I'm like, yeah, yeah, we all arrested. He was just like, oh, word. He was like, I heard you slitting, you telling.

And I'm like, what? I'm like, slitching. He's like, yeah, I heard you telling that that's how you home right now. This and now and the third. and I'm just lost at this point because first I'm like The only person saying that would be a code defendant

I'm like what can I slitch on and it was like oh I don't know we just saying so the whole time I'm thinking what can I tell him we both got caught right handed we got the victim saying that

he pulled the gun on him and the victim is saying that I went in his pocket and I removed his belonging. So we equal. Say if he was to kill him, we both get in that murder. You get what I'm saying? And the victim has ID'd both of you. I deed us. Everything. Everything. We already got indicted. Everything. So I'm telling him, like, like, I'm still fighting a case. Like, like, what you think? Like, I'm not, like, I'm not fighting a case. Like, I'm free from the case. And he was like, that's what it's looking like. That's what Beelot told us. And, and,

And I'm like, how? I just went to go see him. He ain't say he ain't telling me none of this. He was like, oh, that's what we're hearing. So then more guys. And mind do, these people, it's like, I'm 17. I probably just turned 18. I probably just turned 18.

Probably just turned 18. Probably, I think it was. I think it was like New Year. My birthday, January 2nd. And I believe it was like a New Year or something like that. That was a New Year party. So probably just before, probably a day before my birthday. I don't know.

But, yeah, so more guys started coming in in the kitchen. So now they surrounded me, one, pull out of the gun. They're like, oh, yeah, come outside. Come on, come outside. We got to talk to you. And I'm looking at, they're like 30, 35, 40. They're older. So I'm like, I'm sitting there talking.

Like, y'all see me with him every day. I'm just over there just speaking my peace. Like, y'all see me on him every day, which I talk about. Like, that's really my friend. Like, I would never do nothing like that. So out of nowhere, as they're telling me to come outside, his oldest sister come in the kitchen. And when she come in the kitchen, she, she's pulling them back.

She's like, hold on. Back up real quick. She come to me. She was like, come with me real quick. And then she's telling him like, no, he's good. What does y'all talk about? He ain't tell. This and that and the third.

And I'm sitting here. I'm baffled. I'm like, his sister. Defender me? I don't know. But I used to see her a couple of times. Like, when I used to go to her house, I used to see her, you know, talk to her. Like, that's where I've seen her before.

So I ran into her a couple of times. I know who she is. So she brings me in the room. She was like, listen, I know you're not telling this and that in the third. I apologize on their behalf. This is not in the case. And in my head, I'm running through my head. Like, how you know I'm not telling?

Like, what makes you so sure? But she's just like, like, I just got a feeling. Like, you get what I'm saying? Like, I feel like you're not telling it. I used to see the way y'all hang out and stuff like that. She was just confident in me. And, like, I just noted that. You get what I'm saying?

Like, so I told her, I'm like, you know what? F all this, I, I'm out on bail. She was like, yeah, they're just thinking, like, you're not fighting a case no more. I'm like, I'm out on bell. So what I'm going to do, I'm going to go home. I'm going to take a picture of, like, all the papers, like all the bell stuff or whatever. and I'm a sent it to. She was like, you don't even got to do a lot of now.

I'm like, nah, I want to send it to you so you could just show them so they could shut up because they're thinking like I'm not fighting this case or whatever the case may be. So I end up doing that, booboo, went home, sending her the pictures. She never even like acknowledged it, like, wrote me back and get what I'm saying about it. So, so boom. So now we get in towards the end of the case. Did you ever tell your buddy?

Like, he's telling people that, or did you just? I've never seen him after that. I never see him and say, oh, Bob, you just fucked up, bro. He's just fucked up. I mean, if I'm going to be blamed for it, I'm going to be on a way. I'd rather be a witness than a fucking defendant. Like, you just fucked up until it going around running your mouth. You don't even know what's happening.

I was solid, but that's not going to happen anymore. And that was crazy because nobody was going on his so core friends. It was crazy. I used to pull him to the side. Like, yo, you want to go see him today? Like, I used to, like, I was, because usually, like, around that age, like, people wasn't, it's weird. People wasn't really going up to see their friends when they get in jail. It was just like a normal thing.

Like, you go to jail. You see when you come home kind of. Like, it was just your girlfriend or your parents. But it was weird. Like, I was doing something that people don't do. People that he knew longer than me. Like, people he grew up with from younger. So I found, like, I found that kind of weird, too.

Like, his best friends, people he called best friends or whatever the case may be. So we getting toward the end of the cakes. I remember I go back to one of my court dates. And my lawyer come to me. she was just like um so the the DA is making the offer um they offering you five five years probation or one year in jail so at this time too the when he was talking about all this oh don't don't don't plead guilty we go take it to trial he already copped out he took a sentence because she this when she this one she told me she was like your co-defendant he took a year

because he had a record. He got a felony already. He had a felony already. And we offering you five years probation, felony probation or one year in jail. And they dropped the gun. So they give you one year for the robbery. So thought about it, thought about it. She said another thing.

We have something in a New York City court, you, offender. It's called WIO. A lot of people know about it. It's called a WIO. That's when I learned about it. It's when you under 17 and catch a felony, it's like forgiven, but you can't get in trouble within, like, a certain amount of time period. I don't know if it's a year or if it's three years or if it's five, but it's a certain amount of time period you can't get in trouble. They explain your record. They could sponge that that felony. So she told me about that. I'm like, oh, like, okay, that sounds good. Whatever the case may be, it sounds good.

Yeah, why not? I'll take that depending on if I take the probation or the jail time. I definitely, I'm interested in that. So I think about it, leave, think about it. Next court day come. I told her, this is what I want to do. I said, I want to take one year in jail. She said, what?

She was like. So you're 110 pounds. What are you doing? How much you, what did you wait at this point? You were, this is, how old are you now? 10. I'm probably fresh 18. Now I'm 18.

Now I'm going to the big boy. You probably wait 110 pounds. You can't go to prison. Now I'm going to the, to the big boy side of Rikers Island. And prison is compared to Rikers Island at that time. When they barely had cameras, it was, it was. Was it better? Prison was better compared.

Yeah, yeah. to Rikers Island. That's always a case. Yeah. It's more structure. Prison is always better than the county jail. Okay, okay. Like, even environment-wise, like, yeah, like the institution and the setup, COs and the

programs, yeah, prison is better, but just even just living comfortable while, people running around reckless doing whatever they want. Yeah, it's crazy. Yeah, it's way more structured to know the same people are there. You get to have friends. You get to walk the track. You get to work out. You get to play video games, not video games, but games.

You get to read. You know, it's not, it's, it's a much more structured, everything. You eat at the same time. Yeah, it's much better. You get to know the personalities. There's not always fucking 15 or 20 new guys a day coming in with chips on their shoulders, pissed off, ready to fucking start fighting. Right.

Right, exactly. You can get a job. Yeah. Seriously. Yeah, it's prison. Yeah, that's a whole different place. Yeah. Commissary.

Even you can get cigarettes in New York. Upstate, you can buy a pack of cigarettes. Oh, that's great. Yeah. No, not in federal prison. No, no. Yeah, my friend was, yeah, they don't have cigarettes in federal. Yeah, but, but, yeah, they have cigarettes.

I heard other prisons in different states, they don't got cigarettes either in certain places. But, yeah, for New York, they could buy your rolling paper. You could buy your tobacco where you could roll up yourself or you could buy Newport's in the car. It's crazy. Marlboro. So did you go? Or did you just said you would go? I didn't go to prison, but because, you know.

You already had a month or so in county. I had, yeah, I had a month, two months, yeah, somewhere around here. But I didn't go to prison because I didn't get sentenced to more than a year. So if you get sentenced to a year or more, a year in one day, you go to prison. Anything less than a year and lower, you stay in the county. So I got sentenced to a, it's called the City Bullet. That's what they called it, a City Bullet. It's basically one year in jail.

So I stayed in the county. I didn't go to prison for this. Do you get good time? Yeah, you get good time. How much is good time? Out of that 12 months, you do eight months in good time. And you already did a month? And I already did a month.

Or change, whatever. Yeah, did so you go back in for six months and you read a couple of novels and. Yeah, I went back. It was more than novels. It was just chaos in that place. I'm not going to lie. It was chaos. I was, I was, I was gang affiliated.

So I was with the blood a certain set in the blood. So in Rikers Island, like, it's not like the blood stayed together and then the crypts stay together. It's like, it's mostly blood territory. It was barely any, like, the, the crypts in there. And if it was, it was like they was just getting destroyed because they is just outnumbered severely. It's just like even people that that is crypt that go in there, they don't even want to say they cribs to anybody. You get what I'm saying?

They in there just low rod and just trying to stay out the way through their time. Come home. But it was just mostly populated by bloods. And it's, it's, it's, they don't want to unite. People want to fight and stuff like that. But it's like, whoa, you blood, I'm blood. Like, we're supposed to be together kind of thing. So it's, so it creates a conflict.

So now it's like, oh, you got this blood set. Then you got that blood set. You know, it's different sets and blood. So it becomes. to within the community, we fighting each other, but my sense. You get what I'm saying? So it became that. So it was that.

And I'd never been like gang banging in jail. So it's a whole different environment in jail rather than you game banging in the street. So it was just different. Like it was different. It was a ride. It was a wrong. So you get out. So you went you got out you went to a community college you then went to a university you became an accountant and you got your own CPA firm

What happened? I go with so so so move I took the city here whatever the case may be Going and I end up running into my co-defendant So and then it was just funny like we just walking in the hallway one day and I'm with the adults now so I could see him So I'm walking past him and I've remembered I remember saying something like, like, look, like, I thought I was telling. And then he was just like, how much time? Like, like, he's looking at me.

Like, he's surprised I'm in there. Like, like, how much time you get? And I'm like, I got a year. He's like, me too. And I know he got a year. And I'm like, oh, shit. Like, like, like, like, you must have been telling. Like.

Then you must have been. You have a record. You get what I'm saying? How did you? And I get a year. You got a record. And you were an adult. I was, I was 17.

I think you might have been. I should have. I should have. It should have came out. It should have came up. But like I said, it doesn't make sense. We didn't have that's the argument. That's the crazy part. I've never been in trouble. I'm, I'm a juvenile. He has older. He has a record. There's no fucking way. We both get a year. I should not have happened. But that's New York for you. Any other state it would have been, he would have got slave. I could see you to get in six months. I could see you. I mean, if he got a year, I could see them giving you six months. Right.

And they offered me probation. I didn't even have to be in jail. He didn't get offered probation. Nah. No, okay. Yeah. He would have took it. He would have came up.

But at the time when I came in, he only had, like, probably a couple of months to serve. Because he lost all his good time, you know, knowing him. Yeah. He lost it probably the first fucking week he was in there. He probably lost this good time, whatever. But so he had a question real quick. Why would you take a year in prison? or you were in jail over five years probation

or the youth offender program? I said, great question because I was going to talk about that, but it slipped my head. So I went home and I thought about it, and I'm like, well, if I take the year, it's like people are going to know, like, I didn't slitch because now it's these group of people

that are thinking that I told. And if I take the probation, I'm still home. I never go to jail. It's hard to try to convince people, like, oh, I was fighting the case, this and that, and I just end up getting probation and I never went, because they're already thinking that I don't have to go back to jail or the case was over.

I had nothing to deal with the case. They don't care about looking my name up and going into the computer. Nobody cared about doing that. People running their mouths. They want something to like, you know, to talk about instead of going and looking at the system. So it would have been that easy. That's the crazy part.

Now I'm thinking about it. See, my reason for going to J.I. and doing the jail is or doing that doing the actual you know incarceration as opposed to the five years is because what if I get out and get in trouble the next five years I'm in a lot more trouble because I was on probation that was a thought too you know what I'm saying because now like if they said well now you were on probation you committed another crime so now I don't just have to worry about the new crime they're also going to attack on time because I was on probation for the old crime so after the robbery and stuff happened. In my head, I'm like, I got to find a better way to make money. You get what I'm saying? I didn't really want to do the whole 9 to 5 thing. I see my parents do it their whole life, you know, and they always tired. They're always in a bad mood.

You get what I'm saying? They always not happy. And I can see it. I could see them try to full smile sometimes coming home from work. So I just knew it was just something that I didn't really want to get into. I wanted to try to do something bigger. So I'll be able to take care everybody. So my mom won't have to work.

My father, my sisters, when they grow up, they could get into college, good colleges. So I had to think of a better plan. So I remember one day I was just messing around on a computer. And I was on eBay. Like, I was just always on eBay, just looking at stuff that I wanted, that I can't afford. and I would just put it in my cart like put all the stuff I wanted in my cart and one day I was just like

yo I wonder if I could try to like bypass the checkout it was just a crazy idea at the time but I'm like yo I wonder if I could bypass this check out with the items I had in my cart so I think I had like an iPhone 5 at the no it wasn't even a 5 I think it was like the iPhone 3G it was something at the time

iPhone 4 or 3G So I get to the checkout And I see like the credit card payment And then I seen PayPal was there at the time And then PayPal had a third party company I guess they was working with Called Bill Me Later So with the Bill Me Later thing

It's basically what it's called Bill Me Later You basically get the item you want And it goes on your credit And you pay for it later Basically how a credit card work And all they was asking at the checkout, at the checkout page was your date of birth, first last name, of course, and the last four-year social. And that's all they needed was to make a purchase.

So I had somebody information on my phone at the time because I knew growing up, social security numbers was always important. My mom used to always hide it under her bag. and she used to tell me, like, listen, don't give this to anybody. So I knew it was important. So one day I found one, and I just always kept it in my phone. So I went to that, I tried it, I put the last four in. I had the date of birth. I had the name.

I had the address as the billing address. So I put the information in not thinking 1% that it's going to go through. I'm just messing around, just try to just fill in the blinks, if that's what you want to call it. and transaction goes through or prove your item is on the way. Mind blown. I dropped the laptop. I'm just like, wow. But I still don't believe it.

You get what I'm saying? Next day come, they send a tracking number. Next week come, items at my door. So I'm, it was crazy. You get what I'm saying? So I'm just like, wow, I'm excited. So I go back on the computer, and I'm like, all right, I got a phone, but I have a phone already. I end up keeping the phone.

I keep the phone and I sell my old phone. I made some money. So I'm like, oh, wow, I made some money this way. So now I have to think of a plan because now I'm like, all right, so all they need is so shoes. So I went back on the site. I tried the same show shoe I had. That didn't work.

They said I already had an account open and I had an open balance. So at the time, I had like a little girlfriend, you can say. And I remember her telling me that her mom worked like in the office and she gets social security numbers. She get people date of birth. address. She gets people personal information. So I'm like, all right, cool. I go up. I'll approach her one day. I'm like, listen, I did this.

I showed her this. It came. I showed her to track the order history. And it was just on from there. She went to her mom and she asked, and I guess she asked her, like, I guess her mom was just cool. She had a cool parent. So she went to her mom and asked her, hey, you know the social security numbers, the information you begin at your job. Yeah, I need those. If you could take a picture. of um whatever the case may be um we can make money so i guess her mom was down with it so i went back home jumped on my computer she sent me the information and i just started putting in orders

first one go and i think at the time i was just ordering like iPhones iPads um just electronics just stuff i knew i could sell because i already had the place from when i sold my phone so i'm like all right i got a place he told me when i when i sold him my old phone and kept the new one. He told me, listen, whatever phones you get, like, Tronics, let me know. He was like a Jewish guy. He was very hungry, very motivated to make money. So he was just on top of me, like, try to get phones, try to get phones.

And I'm like, all right, I got you, I got you. And so, yeah. So I goes home, open my laptop up, and I'm just putting in orders. And it's just crazy. The whole time I'm thinking about, like, I'm placing orders. I'm placing orders, and not one time I had to enter, not one credit card information, not one bank account number, not one route, and nothing. Just this, I'm making purchase just strictly off of social security numbers at the time.

And, and yeah, I did that for a while. I made good money. I had that run probably for about four months, nice little run. And where's all the stuff getting mail to? My house. all the different people's names, different socials, they're all going to your house. Yes.

I mean, are you afraid that at some point it's going to lead back to you? At the time, I wasn't thinking, I didn't know. At the time, it felt so easy. It didn't even feel like I was really committing like a crime. Like, I always looked at crime as in, like, robbing people, shooting people, and, you know, forcefully running in a store. And I always looked at those to crime. but I never, I never got to understand, like at this time, I never even knew what internet crime was.

I never even knew, you get what I'm saying? I didn't know what internet crime was at the time. So I knew I was doing something wrong, but at the same time, it's like I'm in the comfort of my house, right? There's nobody watching me. I didn't know that your IP could be tracked and I didn't know about all of this and it could come back. in my address. I didn't know too much about this. In my head, I'm just like, all right, I'm doing this.

I'm in my house. Nobody could see me doing it. I'm not on camera. So in my head, I'm like, nobody can write me out. Even a person's social security number is, how would they know it was me? Right. With the very, the little information that I knew at the time. So it went on for about four months, you know, made good money.

And I remember one day I go on a website and I got my social security number ready. I got everything ready. I'm ready to go. And I click on the checkout button, PayPal, and that option is not there no more. And I'm panicking. I'm doing it a different way. And it's just not there. So at that time, I knew, like, all right, they, in my head, I'm thinking, all right, it's not there no more because of me.

I'm probably, I probably did it. They caught on, and it's not there because it's just me. I didn't think it was anybody else involved. It was probably plenty of people doing it. at the time. So after that, I'm like, all right, so now I got to think of something else. Now I got a little taste like, hmm, like you can make money off of Social Security. Like, it started opening my mind to something different. This is not robbery. This is not, to me, this is, this is like a better way. This is what's going to get me out of the situation. This is what's going to not get me in

trouble no more. So I just ran with that mentality. So what are you doing with all the stuff that you're getting? Just selling it? Yeah. So basically when the stuff you get to my house, like the first time I did it, I had went, I had looked online like buying cell phones places and I hopped on a train or whatever and I went there like in Manhattan, mid city. And yeah, I found the, it was like, it's so weird. It was like a jewelry store. But when you walk to the beach, back of the jewelry store, they buy an iPhone, they buy a jury, they buy a gold, they, yes, some

shady business going on there, but. And you just show up with a backpack full of iPads? Like, here's 10 iPads. Yep. And they're just, okay. Yeah, basically. I mean, if you're from New York and you, you've been a part of

Diamond District, you know what I'm saying? I don't got to even push it back there. If you're from New York, you've been a part of some scams, you know, Diamond District. Yeah, we just had a guy who lives in the Diamond District years ago. He was like a diamond thief. And they were working with other store owners and setting up, you know, their own stores for robbing them for insurance money.

Yeah, he had fences that would buy this stuff for like, whatever, 60 cents on the dollar or something like that. Yeah. Yep. And he was from New York? Yeah. Yep. Yeah. So, yeah.

So that was, I, and that helped me. later on, like down the line too as well, because it's like that was like the hub. If you have anything valuable, bring it here, kind of. So, so yeah, so after that, I got a taste of the fraud and, you know, like making money off social security numbers. So it was just always kept that in the back of my head. Like, this is something I would like to do. So I end up getting a job. I believe it was like McDonald's or something like that. It was, it wasn't, for too long. I worked there for like two months. And my friend at the time, he had a friend that gave him a device that's basically called the car reader. Some people know it as the

black box, but basically it's a car reader. And he end up slipping that to me, basically like, listen, I know you told me you work in a drive-through. People come through, swipe their cards on it, boop-boop-poop. However much cards you get on here, you got to get a percentage, you're going to make money. I didn't understand anything. Anything. That's how it sounds. Just how I said it, that's how it sounded to me. Like swipe cards on this device, you give it back and we make money. Cool, sound easy. So I take it, first shift, go load up a couple of cards, give it to him. And two days later, I'm asking, where's the money? And he was just giving me to run around excuses, oh, we didn't get the money yet. And he's still working on it but here um we're gonna give the box back to you so i found there a little fishy i'm like um

all right i mean i'm not losing nothing you know i'm not losing no money i still got to go to work so in my head i'm like well now i'll take the box like more cards next week come give it back to him same thing and he goes on for this about three weeks three weeks go by and now i'm asking like all right like, where's my money? Like, now, now, now I'm getting irritated. Now I'm doing it. Now I feel like I'm being used. So I'm like, where's my money, this and that?

I'm not doing it no more. I don't want it unless I see some money right now today. So he said a right. I got you. But I can't give you money, but I could give you some cards. I'm like, shit, why not? Give me the cards. I go get the items myself.

They credit cards, right? They credit cards. I'm going to give you the cards. cool so he gave me about like five white blank cards no bank face just imagine your your regular personal credit card oh just all white out all white with a black strip on the back you have an all white card with a black strip on the back so he gave me like five of those and immediately i'm mad i'm like nobody's taking this card nobody at that time they didn't have the registers where you could swipe card yourself in stores you will have to give them the car

and they would have to swipe it, like in the big stores, they didn't have the self-checkout. Point-of-sale devices. Right. Yeah, like, I wouldn't even say the self-checkout, but even, like, they didn't have church out at all at that time. But even, like, when you walk to the main register, like, you know, the females, Sephora,

like, you could swipe your own car. It wasn't like that. Like, back in the days, you would have to give it to them, and they would have to swipe it on their POS system. So basically in my head, I'm like, this is never going to work. And he was just like, I'm telling you they're going to take it. This is how I do it. How you think I got all this money? And my friend, friend at the time, I mean, he always had nice clothes, designer. He had the nice car. He always had the new Mercedes.

You know, so I kind of believe him. Like people say, oh, show me the proof. You get what I'm saying? Or show me something. And I've seen it. You get what I'm saying? So I believe that I took it, went to the store. I think the first store I went to is like Toys R.S. No, first I go to the parking meter. I swipe, boom, just to see if they work. I would charge it like 25 cents for like two minutes because in New York City we have parking meters, right? We have parking meters like where people in the city you have to pay the park. You could put quarters in it or you could insert your card and pay for your time. So I would put the card in, charge it for 25 cents and see if it authorized. And I think only one of them authorized for 25 cent out of all the cards I gave him.

So I was pissed off after that. I'm like, and the other cars, the other four cars, matter of fact, it didn't even decline. It wasn't even reading. It didn't even register as a credit card. So that mean he didn't even take the time to put information, the information on, onto the card. So, so yeah, so I was pissed off or whatever. So I take the one card. I'm like, who knows, people got $10,000 car limit. So the first store I hit with the card that was working was Toys R Us. So I get there, give her the card. I think she rang me up an iPad. I go in my pocket, pull out the card, give it to her. She's just staring at the car like, like, what the hell is this? Like this, like, what is this? And I'm like, that's my credit card. That's just a new way they're making

it. And I forgot exactly what I said at the time. Like I said, this was like 2000. 2013, 14, 2013. So this was a while ago. So, yeah, she's just looking at it, like, all crazy. And I'm over here just, just, yeah, this is how it came. It's for security. They don't put the car numbers on the car no more. And she accepted it.

Like, she accepted whatever I said at the time. So she took it, swiped it, declined. So I'm like, all right, so, yeah, he's playing with me. In my head, I'm like, he's playing with me. Knowing what I know now, like every car not going to... Some cars, people just don't have that money. He probably had... He was probably $5 short.

Like, it could decline for anything. But... So, yeah, I was mad. I went home, angry. I called my friend. Like, yo, none of these cards, your friend gave me work. I'm not doing this no more. I don't want to do this.

I felt like I just got played. I did this for you for a whole month. I thought I trusted you. It was just a whole mess. So... I'm on my phone one day. And when I had the box, right, because I was always interested in that little device he gave me. I remember it was a sticker.

Like, you know, like when you buy like a toy or something from the store, it always come with a sticker or like something to say like the serial number or what is it, what device it is. So I get that. I took a picture of it. So one day I'm on my phone. I look up that name. I always seen it said mini XD car reader.

It was something like that. Mini XD. Mini X3X. It was just a bunch of numbers and letters. after that. But I just typed it in Google. I just took the name, typed it in Google, and I just see a bunch of these devices pop up. You could buy it on Amazon, buy it on eBay, and I'm just Googling it to learn about it. I'm not, I wasn't even searching it to see if I could obtain it because in my head, I'm like, there's no way they are selling this, like,

legally. It's no way. Like, he must have got this from the Chinese man down the block, because there's no way he could order this and it comes to his house. So, so I just go along with it. I clicked, you know, eBay, my favorite, was my favorite set at the time. I go on eBay, boo. And I order it. I think it was about, very cheap. It was like about $50.60. I think my mom helped me out with the rest of the money. And I end up buying it. So I remember once I placed the order, I jumps back on YouTube and I types the name in again. and then I started seeing videos and I started because I was a YouTube freak

I was YouTube and everything always YouTube and Google freak at the time so I put it in I saw I put it in YouTube I seen the videos come up and I'm just learned I'm going through every video I mean every video that they probably uploaded I'm watching it and I realize most of the time these just Chinese people explaining it

and they got little captions in a video and that's how I learn how to use it I don't want to break down to track one, track two, track three, how I learned. That's a little bit, like, more advanced. You have to understand the system. But I basically understand it the format. Swipe the card on it. But take the information, put it onto another card.

Now you got that person card without actually having their actual physical card. So it's like you basically got a clone of their car. So I'm like, okay, this sounds cool. So it finally gets here I open it It comes like with a little CD Like a little tiny CD throws in a laptop

I guess that was the software To download the program Down with the program Boup try it out Everything's good So I'm like okay So how does he get the card off And I do more research

And I found out In order to transfer the card Into another card I will need another device called the MSR So I end up having to buy that as well Because I'm like I need that too I can't

I can't do it with just this box like I thought at the beginning I have to order this device too so I go ahead and order that that comes in a week so now I got a little setup so I'm like all right I had my personal card

I never had money on it every time I got paid I believe I just took it out the ATM so I just never used it I believe it was like a TD card at the time the little all green card and I just I took that I had my name on it already I

I erased the information informational for it, and I put a card on it, just to test it out, just to see if it work. I'm playing around with it. And it was working. It was reading. I just put like a dummy information on it, tested it out, it read, no problem. Cool. So I goes back to work.

I'm working. Same thing. I already got the hang of it. I already know what I'm doing. I'm working. I'm swiping cards on it, swiping calls on it, swiping calls on it. Boop, boop, boop. I goes back home and I test it out.

So mind you, at the time, I only have one card. So I have about 15 to 20 numbers. I only have one card at the time. So I had to basically do it one by one, put one card on the card, go outside, see if that works, see what I could get, come back home and put another car number onto that card. So that's basically how I did that when I was started up. So, yeah, so, and I remember the first, all right, so I'm going to talk about the first time, right? The first time I put the card.

So I get home, I load up the card, I put one on my TD card book, it got my name on there, it's cool. I go out to, I believe, my first spot, because I know the first one was Toys Arrest, it didn't work. I goes back to Toys R.S. Because that was the first spot, I'm like, I'm going to come back, come back. It was a different lady at the time. It was somebody else. I was happy for that because I was hoping I didn't see the same person. It was an iPad.

I remember. It was like an iPad. It was the first. It was the, they just made a new generation of iPad at the time. Rings it up. Sitting there crossing my fingers. She asks for my car. Boat.

She asked for my ID this time, which they didn't do before. But I give her my ID because my name is on the car. So I wasn't worrying. I didn't pay too much attention to it. So I give her my ID. She looked at the name. She looked at my car. Same name.

Matches. swipe a proof. And like at this time, like, that was, it was, I guess you could say, like, that was just the start of something new for me. Like, that was the beginning of it right there. When she swiped that card and when it said approved, yeah, it was up from there. So I've runed out the store. I'm more happy. I'm running around. I go hit up my best friend at the time. I'm like, listen, come to my house. I'm on my way back home. I just hit for an iPad. It's lit, boo.

He gets to my house. He gets to my house. And I'm like, yo, you got, you still got your TD card? Yeah, I got my TD card. I put a piece on for him. I put another one on for me. We go back out together. I think we went to, like, Target.

We like, oh, we got to try something else. We go to Target. We grab, like, two, three iPhones to the piece to climb. We went back home. Next day, we go to Midtown, right? We go to Manhattan, Diamond District. We sell all the iPads off. We sell all iPhones off.

We did that for about a month or two. And the total value around that time was about, I believe, $10,000, $20,000 at that time. We made just off doing that. So I came up with a better idea one day. And I'm like, listen, like, you know when you report your car loss, you know, they send you a new card in the mail. So I did that a couple of times. I'm just keep reporting my car loss, reporting my car loss, so I just had like 20, 10, 15, 20 stacks of TD cards with my name on it.

And for a while, for a couple of months, that I was just using those, just going on the road because they wasn't worrying about the last four. Too much people, a lot of people in my community at the time, around like 2013, 2014, people were still selling drugs at the time. nobody around me at the time was scamming. I didn't know anybody that was scamming. I wasn't in school when nobody was scamming. It was never really a thing.

But like I said, my friend had this one odd person who was just into it, always fly, like crazy. He's pulling up S550, Mercedes, BMWs, 5 series, 8 series. You get what I'm saying? So he was really the only one I really seemed like really getting real money, not just little dress-up money. He was getting real money. So we got the stacks of TD cars and stuff like that.

We got the stacks of TD cars. And I told my friend, I'm like, yo, do the same thing. Get a couple of cars together and bring them to me. And I'm going to load them up for you. No charge, no nothing. I ain't going to charge of that. That was just the type of person I am. If you're around me, you go to eat.

You go to get money. So we took them cars. We were going out. We hitting spots after that. We hit in Target. We had in toys at rest. We had anything. that a call could reach, that that's what we had in at the time.

So are you still working at McDonald's at this point? At this point, no, I wasn't working at McDonald's. They had actually fired me a month after I started working. So I was only working there for like about a month and a half, and then I ended up getting fired because they said it was food missing out the freezer. I'm not going to lie. I was still in little sausages and the McGritles out of the freezers. And I would go home and I'll make them.

I'll be making midgrittles sausages at home. So I guess they end up catching me for that. So they end up firing me for that. But I always thought it was something else. I always got scared. Like when they called me into the office and say, like, we got to talk about something. I thought it was for the black box. But when they told me it was for the sausages in the freezer, I'm like, like, shit.

All right. So how do you keep getting the numbers then? So after that we had a little run. We started getting low on numbers. We started getting low on the credit card numbers. So at this time, we like, dang, we got to find a way to get more credit cards. So my sister at the time, she used to work in Soho.

Like, this is a little place in Manhattan. It's like a very tourist attraction shopping center. All the tourists, that's probably like they main stop, Soho, New York. So she was working there. she had a friend who was also working there as well. So her friend was actually at the register. My sister, she was just doing like the clothes, fixing the clothes and everything.

So I came to my sister. I'm like, listen, this is what I'm doing right now. She or, what is this legal? I'm like, yeah, it's nothing bad. She didn't understand this. Like I said, at this time, nobody really knew what it is today. Now everybody knows what scamming is. At this time, nobody really know what this is.

So she didn't even really look at it like something scary. I feel like if they really knew what was going on, and how much trouble they could get in for it, I felt like they would have never really got into it, especially her friend because her friend was just like, you know, like an innocent. I think she was like Philippine Chinese. And her strict, I know she got strict parents.

She never did nothing bad in her life. Look, innocent as ever. So I'm like, all right, cool. I'm like, listen, this is what we're going to do. I got the black box. You got to try to get somebody at your job to swipe the cards on this box. I showed her how to do it. This is how you do it.

Press the button, swipe. Do you go see the green light flash? That means it's a good swipe. When you swipe in, it turn red. That means it's a bad swipe. It's a bad swipe. First week, she did good. She got a couple of numbers.

So we back at it. So I'm running around, boom, back with the opposite. back with the iPhone, this and the third. So a week after that, I had a little idea. I came to her job. This is how I thought I did. One day I just pop up. I pop up to Soho just to see like where she at,

how she's getting the numbers or whatever. I just wanted to see her and work, kind of. So I'm walking past the store. I go in the store acting like I'm looking for merchandise. I'm looking at the system. I'm looking at the register. I see her back there. I see how she's doing it.

She working. She was ringing up somebody. at the time, I believe. And I'm just watching her. I'm watching her. They given her the card. They got a keypad, like, where you type your pin number in. And the keypad, it was just like a little gray, it was like a little gray box, like,

with the numbers 1 through 9 and the red, yellow, green button. And there's nothing like to cover it. Like, nowadays, they have, like, a little cover over the numbers. it was just flat on the table she's ringing it up and they type it it was just flat on the table she can see them typing in the pin numbers

and at that time it's tourists and I'm guessing like nobody gonna think that this this little innocent girl is gonna still eight pin numbers so it just made sense to me so I'm like yo what if she can get the pin numbers

like it would be crazy so I went home I thought about it. I talked to my sister about it. I'm like, listen, I want to meet her in person. Like, I want to meet her. I want to meet your friend in person. So she's like, all, cool.

I meet her. We sit down. We talk. And I'm like, listen, I was at your job the other day. Boo, bo, bo, bo, bo. I know you didn't see me. That's my first time meeting you. But I see how everything worked.

And I'm like, we could really make real money if you can get, like, the pin numbers. That's why I hasn't been really working the whole time. because at this time I'm just giving her little chump chains hair in there. I'm really telling her like it's not really going too good. So it was just a perfect opportunity to bring this to her. Like, listen, like, we could really get into these cards because, like, if you think about it, I can't really get no money without the PIN number.

I got the car. So it made sense to her. She was like, yeah, you wouldn't need the PIN number. And I'm like, yeah. So she went back to work and she started getting the PIN numbers. And then this went stuff just went to a whole new level. So she run with that. I leave it with her for like a week

because I could have left it with her longer but I was just so in the rush to just get things started. So I go pick up the black box from her. No regular day, I go pick it up. I come home. I see the pin number she wrote on a notepad alongside with the last four card numbers next to it.

Cool. I take that. No, make my cards regular. Making my cards, boom. And on the cards now, I'm writing the pin number, like with a Sharpie. I'm writing the pin numbers on the back of the card. So I think I did.

I just grabbed like three. I grabbed three real quick, boom, run to the ATM. Put the card in, put the pin number in through the rope, 500 withdrawal. It comes out. I remember it was a chase. That was the closest bank to my house. And Chase Hot A machine is, like, and it's so crazy. Like, this was a very exciting moment for me.

like an unforgettable moment. Like I could remember the ATM door opening, like it slides back, and then the cash just sitting right there and you just grab the cash out of it, and then a slot closed. So that was just amazing. I'm like, yes. In my head, I'm like, finally all of this paid off. I found it.

This is how I'm going to do it. I'm just going to keep doing this. At that very moment, that was my thought process. So I pushed the card in again, 500, 500. come out again, boom. Oh my gosh, put it in again, 500 decline. That's weird. Put the next card in, 500.

This one did like 500, one time decline. Next one did 500 twice decline. And I'm like, cool. I'm cool with that. But in my head, I'm like, why is it declining? Every time I take the money out, I look at the receipt to see the remaining balance, it's like 20,000, 30,000. So I'm like, it's declining.

So I'm like, I'm going to go try to swipe it. Next day I get dressed. run to a couple of stores, my local stores, swiping it. It's not swiping the car that's really the clown. Like, I guess I declined the car. Like, I got the car shut off. So, boom. So, you know, so I grab the rest of the cars, like, not knowing any better.

I do the same thing for, like, the other 15, 20 cars. I do the same thing. Take the money. Boop, boop, bo, boom. Go home. And I get for the box again. But I'm like, this time, the next set of numbers I get, I got to do something different.

I can't keep doing this, knowing that it's 30, 50,000. I even had a call with 80,000 on it. So I'm like, I got to find a better way. In my head, I'm trying to be greedy. I didn't know no better. I'm trying to get the whole balance off. So I remember I had a friend at the time. He was doing a check scam.

And the checks game is a little different from the credit cost scheme. But he was doing the check scam. And I was talking to him about it one day. He was like, bro, like, why don't you just get money orders? Like, when I put my checks on my card or whatever, you know, and once the check clear, I usually don't go to the ATM or I go to the ATM and take the ATM withdraw balance. And if you try to exceed that, it's going to cut the card off. So he explained that to me a little bit more.

He was like, I usually go to the post office and get money orders. But I couldn't tell you that before because you didn't have the pin numbers. But now that you got the PIN number, that's perfect. You can get the money out. So I said, cool. So I ran with that. Pick the box up. You know, same process.

Print the cards out. Write the PIN number in the back. And I went to the Post Office. So I remember the first time I'm like, I get to the post office. And I remember talking to the lady and I was like, what's the highest amount I'm able to get on a single money order on a single transaction? She was like, well, you can get, the most you can put on one money order is $1,000, but you can get as much money orders as you want in one transaction.

So basically, if you want me to explain that, you get 10 money orders. Right. You get 12 money orders for a thousand apiece. For a thousand a piece. and it could just be one transaction. She don't got to ring it up one by one. But in my head, I'm thinking I still don't want to jump the gun. I don't want to make too high transactions.

So I was just like, can I get a money order for $1,000? Just to see. First time, she rings up the money order, prints it out, do-to-do-do-punt the money order. Swipe the card. Because at the time, they didn't have the chips yet. Swipe the card, put the PIN number in, and it goes transaction approved so I said can I get another one she looked at me a little weird

she was just like why you just didn't tell me the first time I'm like oh I don't know my bank might have certain restrictions this is how I got to do it so she goes ahead she rings up another one boom and that and it goes through so I tell her ring up another one so she's just like all right I'm just going to have to verify your ID just to make sure this and that I got a little nervous but at the same time I'm still using my TD calls at the time I wasn't actually printing the cars at this time. So I get for my TD car and I gave her my ID. She looked at the name and matches and she went and tried it again and declined. So I got 2,000 out of that. So I'm like, all right, cool. Took my two money orders. Boop. Went to the next post office. Then the next one,

next one. I probably had about five, six post office that day. And I made a good probably 30, 35,000 that day in money orders. So, in my head, I'm like, I found it. This is, this is it. You get what I'm saying? This is it. I thought it was the ATM, but this is how I'm going to do it. So, boom, so boom.

So I got the money orders at home. And I'm like, all right, so now I got to cash these. Now this might be a problem, like, because now I got to cash them with my ID and this, nine and third. And I sat down and I thought about it for a minute. I'm trying to find people that could cash it for me. I'm calling people, listen, do you want to make some quick money real quick? Nobody, because at this time, you got to remember, nobody really scamming.

Scam it wasn't really a big thing in New York at this time. So everybody was always kind of iffy about it. So I said one day, I'm like, listen, I got over $30,000 sitting here money orders. I just started writing, like, it came from whoever. I'm writing whoever named from the, from and I'm up I just said put my name I just and I just I just I just went cash like four five of them I had like six seven that five thousand five thousand a piece I had like five thousand and then I started getting a little nervous you know because I'm like I started feeling nervous

I never had this much money at this time I'm looking at five thousand cash in front of me I I never even seen more than $500 cash at this time. So I hit up my friend at the time. I'm like, listen, I got these money orders. All I need help is just cashing them. Y'all don't got to do nothing else. Y'all don't got to go swipe the card to get the money orders. I just need help cashing them.

So my two best friends at the time come with me. They come to my house. We get a plan. Like, listen, I'm going to take this route. Y'all going to take this route and we go meet back here. So that's what we end up doing. We end up going around, cashing money, all this, the entire day. Get back home.

We got, like, a crazy number of amount. We got a crazy number of money. So we throwing around the money, ah, this and that, the third. We all are happy. And then they come to me, they're like, yo, like, we want to get into this. We want to pause of this. And I'm telling them, like, listen, like, if y'all get a black box, y'all get this. I basically told them what they need to, you know, start.

And they like, nah, like, you already got it going. So we just going to, we could just help you get money orders. You get what I'm saying? So at the time, I didn't pay it no really mine. Who, what I'm saying? I'm like, yo, these my best friends. That's the right. If they don't want to put in the work they self, that was just the type of person I am.

I'm like, I'm like, I'm like, effort. Y'all could just help me just go around getting the money orders too. So that's what we end up doing. You get what I'm saying? So after a while, they started coming to my house. I started putting numbers on their cards. stuff. They was bringing their cars to my house. I'm putting their numbers, let's say,

writing down the pin numbers for them, poop, poop, and just letting them do their thing. So we was doing that for a while. We ran that up for like a couple of months into the person working at the store where I was getting the numbers from came to me one day.

Like, listen, like, I'm getting the pen numbers now. It's been some time and you're not really giving me no money. You're giving me chump change. You're giving me two, three, three, hundred dollars and I'm getting like 15 pin numbers a day like like like it's no way like even if you was getting a hundred dollars a card I should see something you get what I said it made sense but in my head I'm like dang I got to help my friends I got to give them money so if it was

just me I could have gave her five 10 thousand a trip you get what I'm saying but not knowing no better I feel like it was just a you know a bad decision I regret it every day now that I do know better and I understand business how it how it's supposed to go um yeah I regret that but um but yeah she ended up stopping I remember I just brought my first car at the time too um I just financed it and I just made my first payment and soon as um I think it's like the next day I think I paid my my first monthly payment and the and the next day that's when she hit me with the news. Like, she's out. She don't want no parts of this no more. She felt used. I'm not mad at her. I would too. You get what I'm saying? So I'm like, I've got to find a new way

to make money now because she don't want to do this. But in my head, I'm thinking, I'm just, I'm just going to find somebody else. She's going to get the PIN numbers and this and and the third. It didn't work like that. You get what I'm saying? I found somebody else working in the restaurant, gave it to her. She's getting numbers. Get it back. I got numbers. I'm going shopping, no getting iPads, iPhones, regular, regular credit card scamming. And then I come, I gave it like a week or two. I come back, I talked to, I'm like, listen, I got this idea. We can get people pen numbers, this and that and a third.

You just got to watch them type their pin number in. Once you see them, they type a pin number in, the card that they gave you, look at the last four and write that down on a piece of paper along with the pin number that you see them type in so I know which cards to go for. Explained it to her, same way I explained it to the other girl. And she was just confused. She was just like, listen, first of all, that's not possible because now we got new systems. This, like, this, it's been like a year now.

We got new systems and we can't get their cards. They got to swipe their cars. They got to swipe their self on top of that. Even if they was giving us our card, the keypad is in front of them now. I believe this was like Starbucks at the time. Yeah, it was Starbucks at the time. So, yeah, so I was a little mad about that, but I took what I could get, what I could get, ran that up. You know, going back and forth, we had a good run with her for about, and these are short runs.

All these runs is like two, three months. She'll quit or I found somebody else. I remember one time my friend, one of my boys, he come to me, right? And it's not my two best friends. It's just like somebody I met along the way, you know, outside. We found other people, I started running into other people doing the same thing. We bumping in each other's in the stores. Like, oh, like, oh, you scam too?

Yeah. And this will happen on like almost a once a week occasion. Like I'll just run into somebody that's doing the same thing. And we all know, you get what I'm saying? I see somebody in front of me with like three iPads and six iPhones. And it's just like, you get what I'm saying? You look just like me. So it's just like, it's just one of those things.

Like, like, like, when we run into each other in the stores, we know like, all right, like, we give each other that look. Like, yeah, I know what you doing. A fisherman as a fisherman. Yeah. Right. So, yeah. So, so what about boys? I met like that one.

I mean, he hit me up like, yo, bro, I got this new thing going on. You ever heard of tap and pay? And I'm like, tap and pay? I'm like, what's not? And he was just laying in it. Well, I knew what tap and pay? was but I'm like how could we make money from that and he was just like listen get an android phone you need an android phone we can't use the iPhone whatever the case and make sure the phone has um

nfc make sure it's nfc compatible that is able to um tap so okay ah i go grab a phone and i pulls up on him so at this time what he was doing he basically taking credit card numbers like like not even the credit card numbers that I was getting, not in that format, but he's basically getting it like, like he just, I guess he was just buying credit cards off the internet that just come with the 16 digit card number, the date, the expiration date, and the name. So I guess this, it was an app at the time where you could just put the car number in, expiration date, and, and was it the last three? I'm not sure if, if they asked for the CBV. I'm not, not too sure, but whatever.

But boom, you will put the information in, and it would be like a car, like how it looked like today, like with Apple Pay, it would be a card with a card number on it. Like your wallet. Yeah. And you would be able to tap it. So I'm like, so it was new to me. You got what I'm saying?

I seen him do it. He put a couple on his phone, put a couple on my phone, and we go out. We shoots out. So I'm like, yo, let's go to Target. let's go to toys and res. Let's go to my spouse. That I'm comfortable with this. And he like, no, we can't do it like that.

I'm like, why not? Like, it works for me all the time. He was like, listen, it's not going to work. You can try it. I don't want to waste your time. We don't try it. And for some reason, it was only working like at selective stores. It was like Sephora and like Zara.

It was so weird to me. And I'm like, yo, what are we going to go in there? Get clothes and sell it. Like, it was just funny to me. And he was like, no, we go go get the gift cards and we go and get 70% for whatever we get. And I'm like, all right, sound cool. I'm like, you got somebody you can sell them to?

Yeah, yeah, yeah, yeah, the Diamond District. I'm like, oh, yeah, all right, cool. So we go, boom, we hit the first spot. I let him go first, of course. He go in there, he grabbed like a shirt, pants, two bras, late lady underwear. And he's just going to the register. And I'm just watching regular customer.

They ringing everything up. And right before he pays, he goes, oh, I would like a gift. No, no. He would pick up the phone like he's on the phone. And he would act like he's talking to somebody, like his girlfriend or something. And he would be like, oh, yeah, well, I didn't get that. I didn't have time to get it. You know what?

You could come get it yourself. I'm going to just get you a gift card. And you could just come back and get it yourself. because I got to go and you should have been something. Like he had a whole storyline. I'm not going to lie. But it amazed me and it worked because the cashier sitting there watching him the whole time on the phone because she has to watch him because she already rang everything up.

And she's sitting there looking at him ready to pay. And I guess he figured like, all right, so now he know he got her attention and he did that. So when he asked for the gift card, I guess it didn't look. It didn't raise a red flag. She just hurry up, grabbed the gift card. and he acting like he's still on the phone. How much you want it? 500.

I get a gift card for 500. They'd ring it up and it would tap and it would approve immediately. Recease come out. And I'm like, all right, cool. So we driving around all day. We just doing that getting gift cards. We got a Victoria's Secret,

this and that and the third. And it's all of these, like mostly these women stores. It threw me off a little bit. But then he was just like, I'm telling you, bro, it's good too, because these women stores, guys always come in here and get gift cards for women because they never know where to get them. So I guess he just ran with that and it just always worked for him.

So we did that for the day. So now I had the phone. So now I was able to get my own car numbers. He gave me like this little website. I can go on and buy my own car numbers. And I was doing that for a while. And it got to the point like I got greedy and I didn't want to, I didn't want to stay in a store longer than I needed to. and I just left the clothes alone,

and I just started straight going for gift cards. So I just go in the store, straight to the register. Listen, I need two gift cards, 500 each, and they approve. And then I realized my, no, no. And then all of a sudden, my friend hit me up. My friend hit me back up, and he was just like, yo, I think I got a card that's glitching. Like, I've been using the same card for a week.

It was just one card number. It was just so weird to me. And I was like, word? He was like, yeah, I'm not to send you the number yourself. and where I'm from, people don't do that. You know what I'm saying? If they got something going or they got a card that's going, they try to keep it to their self.

You get what I'm saying? They're not really trying to share it because they feel like the more people they give it to it's going to mess it up or it's going to make it stop working. So he sent it to me. I'm surprised. I'm like, okay. And I go out and I'm using it.

And he was right. Like, it was just like a glitch. It was just like any amount you could put and it would just tap any amount, like any amount. and it was just tapping. And we ran with that for a little bit. You get what I'm saying?

Until they caught on. And I guess they shut the, they caught on. I guess whatever it was, they fixed it. And yeah, and then it was just over. Now we're trying, nothing working, nothing working, nothing working. And then it just ended up dying out. You get what I'm saying? But it's a part of the game.

Waves, they here today, they die tomorrow. But I used to have like these female runners, right? like basically running like workers basically you get what I'm saying but to me they were just like females that was just around me that do favors for me time to time so I got a little bit into the checks because like I said that was that was like my right hand that was not my right hand but that was like one of my boys things so we came together like listen you tell me a little bit about the checks and I'll let you know a little bit about the credit cards you get what I'm saying so we just sat down exchange information and then I brought my friend

I brought my laser jet ink, because that's the ink you need for the ATM to read the check. I got that. I got my little kitchen set up. And it was pretty easy. It wasn't like the credit card thing. Like, it was just so easy. Like, I got all my supplies from Staples.

I went to Staples. I brought a printer. I brought laser jet ink, and I brought some regular check papers. I didn't have the good one with the extra securities, but they was good. At this time, you didn't even need all this. It's the funny part.

But what I was doing, I didn't need it because I wasn't dealing with the banks at this time. But so basically, I'm like, all right, cool. I did it the regular way, you know, getting debit cards, finding people with debit cards. Listen, you want to make some money, drop the check in their account. Claire's next day, we go pull the money out together. Regular check scamming. But I thought of another idea.

I'm like, I couldn't really, at this time, I didn't have too many friends. I didn't know too many people. So it was hard for me to find people like with debit cards to put the, check-in. So I'm like, I got to think of a different way to make money off this. So I came up with an idea. I'm like, listen, um, I'm going to go on Craigless. I'm going to post like a fake ad on Craigless. Like, listen, um, I'm starting a new company. All you need is a debit card. You don't need no money on your debit card. This is not one of those. Give me your debit card with your money on it. I'm going to flip it. You can give me a debit card

with zero balance. I remember that was like a big, that was like big. That was like big. going to add like zero dollar all you need is a card with zero balance and your state ID and you can make up to five to 10,000 so I just tested it out I'm thinking like all right I know at least two three four people going to bite on the ad I know it's people desperate to make money out there I start with it so I post the ad and I'm waiting for people I'm waiting for people to reply to somebody to write me back and I had this little burner phone because I still had the little injuries from was laying around from the little tapping page thing we was doing. So I post the ad on Craglars.

I wait to see what happened. And the first day, it was nothing. I think I posted around 3 p.m. So it was midday, nothing, no response. I woke up the next morning. I believe I had like 20, 25, like responses. Like, people like, oh, hey, I'm interested, this and that, and the third. And it's people that's from like states like close to hours.

Like New Jersey is probably like an hour from New York City. Upstate New York. And you know people, people from around New York City. So I'm writing and I'm like, cool. So this is my first time doing it. So I'm just freestalling as I go. I'm like, all right, listen. This is how it work.

I got this business, this and now and the third. I got these checks. I'm running a multi-million dollar business and this and that and the third and I got these funds and they hear like it's available I just need somebody just to help me move it from one place to another

and in my head I'm like this shit sounds sketchy as fuck like nobody's going for this you get what I'm saying but I guess these people they are ready their self they already know like it's something fishy like I guess in their minds because when I started meeting them, it was to the point, like, not me personally, like, when my assistant was meeting them, it was to the point.

It's just like, yeah, like, like, like, like, he was, like, it's like he knew what was going on. He, he, he, he, no, this is not legit. You get what I'm saying? And I'm like, okay, like. But they're going to make two grand. Yeah, you know what I'm saying? Two grand.

It's the only place they're going to, only situation they're going to be in where they're going to make a couple grand. Mm-hmm. Yeah, so, so they ain't care. So, so. So, I've been about the, the, the. first one I dropped it out they they wrote back I'm like listen I got this person on the phone he just got to the city I made the check I took a picture of it because I told him to send his name

and stuff his address put his name address on a check printed the check I think it was like 5,000 some some crazy amount to make him go crazy it's probably like 8 10 000 I remember it was just a crazy amount like listen we go split it so it's enough for both us take a picture of it I sends the picture to him. After I send him the picture, he's excited. Now he see a check. He see his rail. He see his name on a check.

So I make the checks. I give it to her. I tell her jump on a train, meet him, somewhere in the city, this and that and the third. And then she got, she had some air pauses in her, I believe, and I'm talking to her so I could hear what's going on. I can hear him talking to her. And basically, like how I did it,

she would go meet with them they would go to the ATM together or sometimes they will go to tell her the dependent on how I felt like doing it that day but usually they'll go to the ATM together she had dropped the check on their account

and then she would take their debit card with the PIN number and be like listen we're going to contact you and such and shus we got to hold the debit card just in case like you know like you try to run off with the money and so he wasn't comfortable with it he was like listen, I don't know you.

I don't trust you with my credit card. I kind of figure, you get what I'm saying? And I'm like, yo, don't worry about it. She's sitting there going back and forth. She's trying. I'm like, yo, listen, don't worry about it. Just come back. It's okay.

So she gets back. I think of another idea. I'm thinking, I'm thinking, I'm like, you know what? I got this black box. Next time you go out, I'm going to give you this black box. After you make sure you're the one that's putting a check in the ATM and give him back his car. But right before you give it back, just swipe the card on the

black box and we don't got to worry about them no more. So it worked. You get what I'm saying? She goes. She did it. Took the check ATM. Swipe because it's a little black box. It's portable. No wires. It's just, you know what I'm saying? So it's easy that they, because people will be like, oh, how they, how, I know people are going to say, oh, well, how he didn't see her swipe their their cars because it's so tiny. You don't know. And then you, you're so excited making money. if somebody she's standing behind her he could see the screen to see what she's doing on the screen but he's not even his mind thinking

because at the end of the day he's like I'm going to get my card back at the end of the day he's not thinking about her swiping a card on some other device he focused on a check you get what I'm saying and getting his card back at the end of the transaction so and she's got the pen number and she got the pin number because you need the pin number to make a deposit

yeah yeah so so so It worked out. And we ran with that for like three, four months. And it was just a make. Like, I had people coming down from out of state, from Boston, all types of. Now my ads look better. Now I'm paying to, I'm running ads for this. And it was just crazy.

Like, like, in my mind, the whole time I'm thinking, like, they're going to come from me. Like, or they're not going to approve my ad. because you know your ad's got to go under review first and after they review it and they accept it. They accepted my ad even though it looked at funny all you need is a debit card ID but did you ever have anyone

that's just like how does this work? What is this job? Like you know that's just that really is like just dumb and they don't think they think it's a legit or I was going to say I think they know it's not legit. Yeah that's what you're saying most of people did

but did you ever have anyone that was like showed up and thought it was legit. But was trying to figure it out, like, I don't understand what's happening. Or they all just pretty much. I did have some people that questioned it. But, like, this one I started learning, because in my head, like, I'm like, I don't, because I have to understand, like, it's different type of people in this world. Like, like, I would never think, like, anybody would just be like, all right, this is legit.

This is, it's nothing, I don't see anything wrong with it. Like, in my mind, I'm like, I know it's not, I'm not going to run into anybody like that. But that's when I started learning, like, it's people in this word as just, that they just green. Like, they just don't know any better. And it did look legit, like, and she didn't have any problems. Like, at some points, like, I was just sitting there, like, wow, like, they didn't ask you no questions. She was like, nah, they were just like, they ready to make money. They was like, they got their friends that's ready to do it.

if this works out for them. Are you paying these people their half? No. Because you got to think about it, we got the card, we got the money. Yeah, yeah. You get what I'm saying? So at that point, I ain't even need them. And I had somebody making all these for me at the time.

So, like, if it was just a guy, I hit one of my men's up, like, listen, I need you to go walk in and tell her and withdraw this money for me. And if it was a female, which that was what I was mostly going for, like, if I have a whole inbox with like 50 people, I would just focus mainly on the female just because I had that right in front of me. I didn't have to go out and pay people and stuff like that, extra money. You know what I'm saying? Like the people I have, I could pay them whatever I want. So I'll just try to keep it like that. But yeah, but after that, after they left, it was just funny because they were call us, right? Like the next day, they were call us. They were like, yo, the money

available. You know what I'm saying? And I'd be like, yo, go to the city. Like, we're about to go meet because they don't know we got the car. So, and our head is just like, we got to trust them. They could just go run, take the money out. So it's been times like where she's walking in the bank, the money is there. And she gets to the teller and be like, I want to withdraw 5,000 from my account. And they'd be like, there's nothing there. It was just a withdrawal made like three, four minutes ago. So they pulled the money out. Yeah. So it's been times like we're out lost and they got to me first, you know what I'm saying? Do you call them and say, Hey man

Where's my half of the money They just hang up on you They hang up Some of them block Block me right after Or some of them Would be like We're just trying to figure

Like like Oh yeah I had to run real quick I know I was supposed To meet your assistant But I couldn't I couldn't make it I'm gonna try to send you the money

I'll never hear from them You know it's over it's over Yeah So yeah It was just one of those games You win something You lose something But yeah

As far as that Like I made I made a lot of I made a lot of money. Like I said, like, I can't sit here. I don't know how people would, like, sit and could tell, like, how much money they made from one time to another time, but just from the numbers y'all hearing,

that could just, you know, use your imagination. I could sit here and say I made $5 million. You know what I'm saying? Like, what are you, like, what's, are you storing up money? Like, oh, let me save money. I'm building up cash. Or, like, I'm in the hotels.

Yeah, like, what's the game I'm in already, I'm already using. like I'm already using credit cards to like pay for hotels like basically pay for anything that that takes credit you know what I'm saying? Anything that got a POS system like so with the cash I was saving a lot but it's just like after I save it it'll be like it'll be like a moment come up and I'll spend

$20,000 one time and I'll spend $20,000 and I spend $30,000 one time you get what I'm saying? Yeah and plus I'm going out every night we hit in a bars, we hitting up, we, we hitting up clubs, you get what I'm saying? And then the bars is cool. I could use my pieces, but when you start going to strip clubs and you start going to places where you can't really use your credit card, it becomes a problem. Now I got to come out of pocket, start spending money.

But, but yeah, for the both part, I was definitely, like, maintaining, you get what I'm saying? But trying to save, like, I didn't have a goal. I'm like, oh, I'm trying to get to right here. Because like I said, like I didn't have anybody around me at the time. I didn't have no financial advisors. You get what I'm saying? I didn't have no nobody to really tell me.

Like, listen, do this with your money. Might put some of this aside. Yeah, like, nothing. Like, nothing about financial anything, literature, financial literacy, whatever you call it. Nobody never told me. So, like anything. So how does this whole thing fall apart?

It just died out after a while. Like, um, they caught on on Craglis. They first started with them like, keep taking my ads down. And then my, and then my ads that I was running, that got shut down and that got put under review. So I just seen it collapsing. And then I try to go on like other website and reciprocated. And I don't know. Like, like, I don't know.

I felt like it just died out slowly. Like slowly and slowly people started catching on, whatever the case made is. Or it could have been I just jumped to something else. And then I just left that alone. Like, all right, I'm doing something better right now. I'm just, I'm going to just come back to this or I'm going to do this when I need to. You get what I'm saying?

Because that was a time, like, I didn't have anything going at the time. So I'm like, let me think of something. Because I still got the pieces. I'm still got the cards. I'm still getting a little phone tear. But even anybody, you know, part of the game, sometimes you swipe.

It improves. Sometimes you swipe. You get nothing. You get nothing. You get what I'm saying? So, and then you got to think about the stores they catching on. I'm limited. I wasn't going out.

too far, so it's just like, dang, I didn't hit all of these stores, like, five times a piece. So, you get what I'm saying? That's why I'm like, I'm going to do the checks. I did that for a little. The credit card thing cooled off, so I'm like, jump back going to that. So I'm just everywhere at this place, you know what I'm saying? I'm just credit card one day. This day I got the check.

I got the schedule for Tuesday. I'm going to go do the checks here. Do you guys ever get caught, like you or the girls get caught swiping the card on the box at all? I'm not going to allow. And I always said this, like, no. Like, we never got caught, like, getting money. Like, for, like, it would be like. He means, like, some customer going, whoa, whoa, whoa, what did you just do?

Oh, like, what did you register? Yeah. It depends. Because, listen, when I go to Handsome in my card, I'll fucking watch them. Yeah. When I go through Dunkin' Donuts and I hand that chick the card, I make sure she goes, immediately swipes it and hands a back. is she were to go, oh, hold on, and duck down.

I'd be like, no, no, no, no, no. I'd be like, mm-mm, something's up. I'd know right then. I was watching wherever that card goes. I mean, yeah, of course. It's been a couple of times, you know, I ran into the situations where, and I felt like most of those situations,

it was people that's, it was people that was from where I'm from. You get what I'm saying? Like, they come from where I come from, and they got their job. And I used to say this, right? Especially with the females, it's like they was attracted, like, to the getting money boys and the guys that's getting money.

So they already knew it. It's like they're from the neighborhood. Now they got a job in Target, and we come to their store. Like, listen, hit three iPads, 10 of our phones, three air parts. It's just, and then she'll give you that look. Like, you think I don't know what you're doing? It's just like, like, I would figure you know what I'm doing. Like, you get what I'm saying?

But you go, you go, you go let me, you're going to let, nah, take it somewhere else. You're not doing that here. We're not doing that. And it's crazy. Like, this is a part of a lot of people going to relate to because it be your own people, bro. And then I would go, like, out of town. And it's a whole different, it's a whole different ballgame. Like, it would just weird to me.

Like, the black people always gave me more problems than other racist, Chinese, Caucasians, Indians was a little, like, um, giving me problems. Like, they knew, but nobody really, I never really got a question from anybody else except for, like, really my people that, like, knew what was going on. Like, like, and it'd be crazy. It'd be like, I know you dated a scammer before. I know you dated. I know you used to talk to somebody that was, you know what I'm saying? but I feel like it's more hate. Like, I'm here working right now,

and I know what y'all doing. I know y'all skimmers. Y'all running around my neighborhood all day driving around with these rental cars and these Bentley's and bemas. And it's just like, it used to be mind-boggling to me. Like, in my head, I'd be like, won't you just try to just get my number? Like, won't you just try to talk to me?

Like, you want to hate me already. As soon as I come up to the register, you rolling your eyes, sucking your teeth. It was just crazy. Sometimes I'll just leave. And I was just, see, I leave, or I'll try to avoid them. I see them. And it would be 10 registers,

and now I pick who I think was, you know, not go extra. Because a lot of times, they managers don't even tell them to do all of this extra stuff. It's like if they got the payment, the most they'll tell them check their ID to make sure the card match with the ID. And that's it. But for you to go over your job and doing extra stuff

to try to protect a multi-billion-dollar company, it's so mind-boggling to me. And you're not getting no rewards for this. They're not giving you nothing for catching me. I understand at least it's like, all right, I got to feed my family. And if I could stop this from happening, I'm going to get paid for this.

Or like, I'm going to get an extra bonus at the end of the week. I can understand. I won't agree with it. I won't like it. But at least it makes sense. But it's just like you're doing this for no reason. you're not going to get fired because you did everything you had to do. You get what I'm saying?

So when do you get, like, when do you get caught? So, you know, like, I mean, is this, when does this whole thing kind of wrap up and you end up, you know, going to jail or getting caught, probation? Because I'm sick as a fucking dog right now. I got you. But, yeah, so I was at Dave and Busters one day. One of my females friends, we in there going crazy, boop, pooh, bo, swiping. getting tokens and stuff, drink, and security.

They come running out of nowhere. I guess I go get a shot of some alcohol at the ball. The receipt come up. I guess the lady, she looked at the car and the receipt. The last four numbers on the car wasn't matching, so she got security. They chased this out of there. They tackled me at the door.

I end up getting locked up for that. They gave me five-year probation for that, fighting it, but whatever the case may be. come home, no back to my credit card stuff after that. So one day I'm driving with my female friend

and a patty wagon gets behind us. It's like the police vans, the 16 passenger van. So I'm just like, oh, they're not going to catch me. I'm out of here. They chase me around

the whole best style. Brooklyn, they going crazy. I end up hitting a one way and they caught me, you know? So it was over after that. They locked me up for that. I had the five-year probation already.

They hit me with a class A misdemeanor for reckless endangerment, fleeing a police officer in the motor vehicle. So, yeah, so came home from that. So now I'm on two probation, the five-year and the three-year. And, you know, I got it. They didn't throw you in jail? This is New York for you. Okay.

This is New York. Now you're in double-secret probation? You know what I'm saying? So they basically just took the three years and just merged it with the five. So they just basically like, you got to do five, but you have two open cases that you're on probation for. Okay. It's a setup. You get what I'm saying?

They setting you up because they know what you're doing. They see what you're getting locked up for, and they're just waiting. So I guess that was their little trick because they worked at the end for them. So they let me back out, you know what I'm saying? I started messing with the rental cars, going to the airports, pull it out, luxury vehicles, renting them out to people. in the neighborhood, so I'm renting it from them with people credit cards. Then I'm taking them back to my neighborhood and rewritten them to people.

Ran with that for a while. One day I go to pick up an Audi A4 at JFK Airport and they were just, they was ready. You get them what I'm saying. Get them my information. Lady looking at me crazy. She kind of told me like she gave me to I like, get up out of here. I didn't catch it and realize what she was saying because I wanted the car so bad. The car's so bad.

I have somebody waiting for it already. And, you know, Port authorities, that's the police that work in the airport. They come running in, lock me up. So I got the two cases I'm on probation for. Then I get caught for this. So in my head, I'm like, all right, I know probation go at least put a hold on me, at least, because this is what they always do. I know they always do this.

I get there. I get to the, I get to the court. I go in front of the probation thing. They like, we're going to wait and see what happened with your case first and before we sent us you or put a hold on you. So I said, all right, cool. So I bailed out again from that case. And not even a week later, I was with my boy.

Because they took my car at the time. So my boy picked me up to go pick up one of my black box. I had a black box in some restaurant in the Manhattan. So I go and go pick that up. And on our way there, no, we, I picked it up. On our way back, we got pulled over by the cops. And now that's my fourth time. And I only been out for the week.

I only been out for a week. Because I was sitting for like two months. When I got caught for the room to, I was sitting there for like two months. And after, I was sitting, yeah, I was sitting in there for two months. And then I bailed out from that, from that. So now I'm out on three cases. And then I caught the black box case. So when I was driving, when I was driving my friend car on our way back from picking out the black box, they pulled us over.

And then that's when I had to really sit down. Like, that's when I sat down. Now I got the black box case that they just caught me for, for anybody who missed it. And then I got the airport thing. That was the case right before that. And the two probation from the Davin Busters and from running from the cops. So that's one, two, three, four. That's like five cases right there.

So I'm fighting those cases. I'm going to court. It's so crazy because different buses every morning. They go to Manhattan court, Brooklyn court, Queens court. So every other week, I'm on every line. Like, we line up all together. So every week I'm just on a different line, different line. I'm just getting on a different bus going to this thing.

And Nassau came, re-arrest me. That's Long Island. Long Island is Nassau County. come re-arrest me for, no, I was out on bail for Nassau already. So I had to go handle the case over there because I was swiping dogs and selling them, exotic dogs and stuff in Long Island selling them. So I was fight. I forgot I was out on bail for that case as well.

So that was actually six. So, yeah, that was one of the cases I had to go back because Long Island is basically in New York. So, yeah, I was fighting all these cases. And on top of that, another, I think it was Hertz. Hertz came and they re-arrested me because they were doing an investigation the whole time. So they came back and re-arrested me with more vehicles that I was pulling out before. And the auto, the automotive detective, the car detective that work in the automotive, that work with cars vehicles, they came, talk to me, listen, I got a deal for you.

I don't know about your other cases, but for this case, if you could at least get us all the cars or tell us where they're at or we can make phone calls. We don't want to lock anybody else up. Listen, if we can get all our cars back, Hertz sat down and want to press charges, wherever the case may be. So long story short, you know, I got somebody to come up on a visit floor, like, listen, this car's here, call this person,

go in my phone, and I got everybody named who got cars right now, saved in my notes. And, you know, and he did his thing. He found a couple of cars for me. I think it was like one, two cars left out. And it was good. back to court, the detective was happy.

And yeah, so I was just fighting all those cases. So I believe that was like six. Whoever was keeping count? That's like, what, six, seven cases? I'm just in there fighting. My mindset is crazy at this time. I'm just, like, you could just imagine. In my head, I'm like, I'm never coming home.

Like, I don't even understand how I'm fighting like six, seven cases. But I guess this is they set up because if they knew if they would have sent us me right from the first case, I would have just dick that time and went home. but I guess this day system, this is the way it's designed, because anywhere else, I believe, like, out of New York around that time, like, even running from the cops, I believe, like, those is felonies out here, right? If I'm not mistaken. Yeah, yeah, like, you would have gone to jail, for sure.

Like, from, like, my first three crimes, you get what I'm saying? I don't believe they would have kept, like, because I caught a crime in Virginia, you get what I'm saying? So I understand, like, the difference, like, they're a little bit more, lenient in New York City compared to out of New York City. But yeah, so I had to get a lawyer. Good thing, I did have a good amount of money put away. I got one of the best lawyers in New York, and we was just fighting.

Like, I'm talking about every week, court, court, court, court. And then that lawyer then made over $100,000 of me, because he took every one of my cases. And I shout, his name is Daniel. Garcia's, I love you, bro, to this day. He got me two years, two to four years, basically. And my first offer was seven years. But he got it down to two years, two to four years.

Basically, it's a split bid. You could do two years and do the other two on parole. But if you're in there getting in trouble, that's why they put the four year on the back. They'll be like, all right, we'll just take your good time because we really, we really, You really government property for four years so we can really do whatever we want.

We don't have to let you out in two years. You know when you go see the parole board. It's kind of like that. So I seen the parole board. I was locked up. You know, I got locked up. I went through the system. I went upstate and I seen the parole board at two years.

And I made it out. They approved me. You know, I was talking. I guess they seemed like, all right, he's serious. He's trying to get his life together. I was making up my story for the whole month when I'm going to say to them at the parole board. And I just went.

and then just flew, shed a couple of tears and stuff like that, and then it worked. And I, and I, they let me go. After two years, came home, had two years left on parole. Yeah, and I got through it. I got into trouble again, but that's, that's for another time. But, but, but yeah, I got into trouble, but I got through it. And I end up beating all of those charges. And I have two pending lawsuits against the NYP.

right now for those cases because I was falsely arrested. One of them, I was guilty of it was a misdemeanor. I believe it was something petty that would have to do with fraud. I was guilty of that crime, but the rest of you, I am suing them because they was assuming because I was in a hotel.

I was using credit cards and people information and I got I got falsely arrested. And it wasn't even me because they thought I had checked into the room and when they did the investigation, the court days, it was just plain obvious. It was just a whole nothing.

It was a female ID. You get what I'm saying? It was a female that checked into the room. So it just, it was an easy case. It was an easy case. They never really had nothing from the beginning. You get what I'm saying? I was just in the room at the time.

And the charge they gave me, I guess it was a bad charge. They gave me the charge as in I was the one who came and obtained the room. Right. And that got thrown away because it was a female ID. Like, you know, they took a copy of your ID. computer it's a female so so yeah so i got a lawsuit pending from that what the other lawsuit i already got i'm just waiting for one more right now all right now so yeah i got my i got my youtube channel right now um i'm basically starting off like doing reaction videos right now so yaku

tune in today is ghost finesse two times that's basically my name i'm going on all my platform so That's any platform, Twitter, X, TikTok, Instagram, Facebook, whatever social media I have. But yeah, I am posting videos on YouTube, reacting to people basically getting arrested for checks, fraud, for credit cards, anything done with fraud. In the bank, and they come in, they're like, hey, they just told me that you're trying to pass a check. What, no, see, what happened is... Right, and I'll probably pause the video. and explain. Yeah.

Oh, that's cool. Yeah. But, yeah, especially what I'm doing, like, right now, just to start off, I just want to start somewhere, because I was constiping, like, what should I do for, I'm like, you know what, let me just start. Let me just put something out on the page, and then I'll just keep going from there. But, but, yeah, but there, I'll stop, give them content. Like, this is what you shouldn't do.

This is why, you get what I'm saying? So I'll just break everything down, so they just not watching a body cam video. Are you kind of saying, like, this is what I think this person, was doing also. And yeah, like, because it would be times, like, right? Like, they'll be doing something and the cop know what's going on and the bank telling that was going on. But it's not really explained.

Yeah, it's not explaining. And then the person they're interviewing is trying to spin it. Right. No, see, what happened was somebody gave me a check. It's a friend. I met him at a bar. And you can stop and go, listen, here's what's really happening. Exactly.

This person just went open four different accounts at four different banks. Right. They already know that. They have an inquiry on check systems. You know what you can start explaining it so that that's why when they're- Exactly. As they're talking, you realize how bad that, how stupid they sound like. Come on, man.

The cops already know. Yeah. The bank teller already know. Stop it. Hey, you guys. I appreciate you watching. Do me a favor. Hit the subscribe button.

Hit the bell so you get notified the videos just like this. Also, we're going to leave all of ghosts links to all of his social media, YouTube, Instagram, TikTok, everything in the description box. Click on those links and go there and subscribe and follow. Once again, thanks a lot for watching the video. Please consider joining our Patreon. And if you're interested in being a guest, please go to our website. and you can go to the be a guest page.

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