Matthew Cox | Inside True Crime Podcast - Exposing Modern Day Scammers (& Where They Went Wrong)

Episode Date: September 18, 2024

Exposing Modern Day Scammers (& Where They Went Wrong)

I know they don't have credit card receipts for 1999 in there. I open it and the light hits me. Don't call the police. Let me pay you back. And then one day they call them the phone's just dead. Hey, I'm here with Zach and we're going to be going over some YouTube video about scams and stuff and just to talk about them and see what was going on, maybe try and figure them out. Neither one of us has seen any of these videos. Check it out. New at 9, 2 people including a former HSA bank employee,

face multiple charges in a scheme that involved using customers' personal information to steal thousands of dollars. Yeah, for about a year, the two charged attempted to steal thousands of dollars from customers who use HSA Bank in Milwaukee, and about 12 were affected. Wow, 12 customers. It's barely any money, though. At HSA Bank in Milwaukee have fallen victim to identity theft. Investigators with the Milwaukee County District Attorney's Office claims, those crimes occurred with the help of an inside job.

According to a criminal complaint, Precious Palmer, a former employee at the bank is accused of giving out customers personal information as part of a scheme to steal money from those accounts. Investigators say everything from zip codes, social security numbers, and home addresses would be handed to a different man involved by the name of Cecile Lacey.

The complaint says Lacey would then call the thing. Thank you for calling an agent. just anything. Providing that info while pretending to be a certain customer and was able to get access to the accounts. The DA's office says he got away with stealing $13,000. 13 grand. There were multiple unsuccessful attempts to take more. Both are charged with the total of 26 counts pertaining to identity theft and fraud. Palmer initially denied allegations, but eventually gave up Lacey's name, stating, quote, it was all his idea and, quote, I was kind of wrong for it. She is now behind bars.

However, Lacey has yet to be arrested. Basically, the insight, an employee in there gave out whatever, you know, they don't even tell how they got the money, by the way. So I guess, I must have called, I mean, like, how would that work? Because, I mean, I've never, I've met a bunch of guys, but I've never been involved in. Well, and they don't, they don't really say what they, what they do. did. The problem is like somebody worked there, gave her the account number, the Social Security number. So they gave them, not her. She worked there. Oh. She worked there and gave it to somebody else. Right. Right. So I don't understand how they would have. How she would have access to it. Right. Like do you do the- No, no, no, but how they would get the money. Right. So he, they said somebody, she gave this one guy. What was his name? Lacey, something Lacey, gave him like their Social Security. numbers, all their information, he would then call and somehow or another, maybe transfer the money

or something? Like, that's the whole thing. Like, did he, like, for example, the what me scam, like. Right, go ahead. Your scam. So, the, you know, one of the things you had done when you talked to the guy or in the fraud department was he said that we do not investigate anything over $10,000, right? Under.

Oh, I'm sorry. We do not investigate anything under $10,000. So if it's $9,000, like, you just walk away with it. We don't even look into it. We're not even when we think it's a crime or not to do anything. So the point is, is that, and I remember when I would open up these bank accounts deposit money in, every time I'd go in and ask for more than $3,000, it depends on what bank. But I know Wachovia, if I walked in and I asked for $3,000, they just said, oh, boom, here you go.

If I walked in and said four grand, she said, I'm sorry, I need permit. I have to get, you know, special permission or whatever. Clearance limit. I got to make a phone call. And the reason was that the account was within six months. Like if it was over six months old, then she could do it up to, let's say, $10,000, whatever, the amount. I don't know what the amount was. But because it was a new account and it was over $3,000, she had a call.

She'd done it over and over again. That's why when I was sitting there waiting for that chick, I went in, waited and waited around for like $8,000 or something. That's when the cops pulled up and grabbed me. Right. So what I'm wondering is, is it, do you think it could be something like, if you have the information, we'll automatically transfer $500 over the phone. And that's why they've got $26 victims for $13,000, $500 a victim. And that might be the case.

I mean, maybe it's like if he had said $1,000, they're like, I'm sorry, you have to come in, or I'm sorry, you can't do that. Or I'm sorry, you have to do that on your mobile app. Well, like, whatever it is, my question is, how did they get precious? If precious worked in the bank and just gave, if I gave you the information, you know, well, I probably know how they got that. You mean precious is giving the information to lazy? Right.

So somebody knows precious. Or precious, you think precious came up with you? No, I know how it is because I had a girl that worked at a bank and she would give me account information. And I told her, like, in my mind, I say, listen. If I fraud six accounts and all of those six accounts they look at and they see that you've looked at their information, they're going to know what happened. Yeah. You know what I'm saying?

So, like, I told her that there's a couple of things I have to do. I have to call in under each account and ask for someone specific. So now it's not just your name on each account. It's yours, Kobe's, and another one. You know what I'm saying? I would make it to where they're like one of these people did this. Right. But they're not going to fire all three of them.

It's not the cartel. The cartel just kill everybody. There's six guys in a group. Two shipments have been busted. Kill all six of them. Right. So I said I would have to make it to where they're wondering why each person went into the account.

But she assured me that when she went into the account, she didn't leave a footprint, is what I call it. So obviously, precious must have left the footprint. I'm thinking precious is the one that went inside the bank and tried to get the money. You know, if you watch it, it specifically says. she worked there. She was an employee there that had access to it. She gave the information

to Lacey. So Lacey then made a phone call. He's then calling. Somehow he's getting in transfer. Yes. Yes. And they, she left the footprint in each account. And so they obviously knew it was her and they picked up like, hey, 13. Every customer that just got fraud in the last 30 days had your

you've looked at that account. And she said it was Lacey. I'll cooperate. Yeah. Of course. Of course. Because you didn't, you didn't come and you didn't get this money it didn't go when we track the money it doesn't track to you the problem is now she's a felon she got a job at the bank she got a job at the bank she wasn't a felon no she so now she so for 13 grand that you probably split with lacey yes you know you're a felon

and fired and in jane whatever money you made to have to pay for a lawyer to get you out of jail so yeah and you still and you owe all 13000 yeah that's true that you may if you now she obviously doesn't have a record so she's not going to go to jail she's going to get probation, but now you're a felon. Right. Now you're, how hard is that to get a job of the felon? It's, it's, it's, it's a pain. It's a pain.

You have to do a YouTube. When you were hired at one of those companies where he found that box of information, did you have a record at that time? Of course. He was on probation. I was on house arrest. But I guess they, you were supposed to have access to those papers. No.

What's so funny is I was on house arrest, right? and they had threatened like the whole I wouldn't say I blame them but the whole situation was I had some type of meeting an AA or NA that they said they wanted me to go to to think about for my criminal thinking

right and I had missed it right and my officer came and he's like bro because I told he's like bro you need to take your ass to the meetings I'm going to violate you I say bro I don't get off work this is in front of my boss

they called me in front of my boss and I say look I don't get off work in time to get to that meeting because I go, I'm in here and I'm sweaty. I can't go to that meeting like that. It's other people around and I'm offensive. I stink when I sweat. So my boss goes, well, listen, we have a shower upstairs that we'll let him use, you know what I'm saying? So he can make the meeting.

Oh, I'm like, oh. There are some boxes there of old credit card receipts, but just push those to the side. Push those out of the way so you can get into the shower. My favorite thing when he tells that story is that he says he's like getting out of the shower and he's drying off. And he looks over at these boxes and it says credit card receipts for 1999 or something. And he goes, I know they don't have credit card receipts for 1999 in there. That's not what I said or I thought is there's no way the credit card receipts for 2003 are in that box. That's like what I tell myself.

I'm like, there's no way they're in there. Hold on. My God. You know, I open it and the light hits me. The glow of the... Thank God, my boss. Thank God your boss wanted you to go to that meeting. Thank God he suggested you take a shower.

That's what's so ironic about it. I think of myself, you know, as I opened the box and the glow hits me in the face, I'm like, this is my destiny. I still feel bad for Precious. Precious looked nice, didn't she? Yes, she did. She was an attractive lady. She was an attractive, attractive looking chick. I'm surprised that story.

actually made the news it is it's so it's so minor yes but hey so what's the second one oh what is the second one so stealing 13 000 does that correlate into prison time she's not going to at a 20 some yeah for 13 grand she's not going to listen some if they charge all of those separate like if she was to go to trial like she'd be off because half of those people are like what i got my money back leave me alone yeah i'm not going to go what she took 300 bucks screw it I'm not taking off work. Yeah, I'm going to take a day off of work so that I can sit on a hard-ass bench and wait to be, to say, I lost money. Yeah, I got a phone call from.

How horrible was this? Well, I got a phone call from the bank. Someone took $500 from me. The next day of the bank gave it back to me. Like, that's it. I have to miss a day. I'm supposed to make $250 a day at my job. I'm going to miss that.

That's half of what this shit tried to steal. But then I got back. Yeah, that I got back. That's one. The second thing is they haven't caught. Lacey, right? Just because I went into each account, right? In my opinion, if she went to trial, just because I went into each account does not

necessarily, of course, she definitely said, the deal for her was probably walked in and said, when they laid it out, she probably said, listen, they said, look, we know you didn't do this, you know, she said, listen, I'll give you, I can't go to jail because they're telling her, you understand that this is grand, that such and such, or this is this, you can get three years. Three years. I can't get three years. I have kids.

I only did it because I didn't need diaper money. And they're like, yeah, you're going to listen. Are you said, we had a guy we gave 16 years for $130, $130,000. Like, he got 16 years. For you, first time, you might do two years. Two years. From your kids. Yeah.

Oh, don't worry. You know, DCS will take care of them. You know, that whole thing. So she's like, I'll tell you, but I can't go to jail. I have kids. I'll tell you who did it. And the truth is if she had just said, look, I don't know what you're talking about. I don't know.

Of course, you know what could have happened. They could have caught Lacey for something else. And he said, listen, man, I've been running this other scam. I'll give you the chick in the bank that's giving me the information. Lacey could have given her. But he didn't know. He's still on the run. That's what they said.

Are you sure? I'm positive. At the end. It said Lacey hasn't been caught. Had been caught? Oh, he hadn't been caught? No. I missed that.

that could just text to me. Oh, yeah. No, Lacey had not been caught. So she, you're right. She cracked. Now she can't, but if she's... But she's still going to be a felon. They're going to give her six months for a felony or time served or whatever.

And you're still a felon. Like, I don't care about the two years probation. I care about being a felon. Her whole life is she's done. You're right. You got a job at the bank, probably making $18 an hour. If you'd stayed there, maybe two, three years, you'd be an assistant manager. Yeah, you could be making $25,000, $30,000.

Instead, dollars an hour is what I was thinking, not 25, 30,000, but. Oh, I'm sorry, I'm sorry, $25 an hour. But I'm saying, I'm saying, instead you were, you were hanging out with your, with your girlfriend, Keisha, smoking. Her cousin, Lacey came over and she said, girl, he runs scams. He got all kind of money. He can get you paid. Yeah. All you have to do is give him the information.

You're like, well, what could happen? Yeah. What could happen? Exactly. That's exactly what. Well, how much you. I'm going to give you half of whatever I get. Do you know, I did want to tell you something, right?

Because remember that Kellogg's check? Yeah. Okay. Do you know why I insisted that that woman quit after she gave us that check? Remember, she refused to quit. So I said, okay, when we deposit the check, because now we were, I set up everything. How much was it again? Seven million?

It was few. It was like two point. Can you explain it really quick? Oh, 30 seconds. I knew a woman, it's a long story, but I got in contact with a woman that worked at Kellogg's in the accounting department. And when I asked her, she said she saw checks from the grocery stores changed, like Publix, pays Kellogg's like $7 million, Win Dixie, monthly, monthly, might pay them $4 million, and she sees those checks when they come in. So I told her that if she would just take one of those, well, I asked her the possibility of taking one, she goes. This was after you let out a blood-curdling laugh, right?

Kind of like a, like a, like, and then, then you said, hold on, then you went, I didn't have to breathe. Okay. Yeah, I do remember that call because I'm looking at Tara like, like what just fell in our lap, but it fell in our laps. But, so anyway, she was supposed to give us to, she said, I can. could easily get one of those checks. Stop. Oh, that's right.

Those zoos do come. So the plan was she could actually get access to one of the Kellogg's, to the check made payable by a grocery store to Kellogg's, which was going to be multiple million dollars. Right. So with that plan in mind, like having that information, I invested like almost $35,000, setting up a corporation, opening up an account, putting, checks through of 10, 15 grand, priming it for the million, like going through the 30-day or, I think it was 30-day grace period, because when I got the million-dollar check, I would

have waited for it to clear, setting up other accounts in order to funnel the money out. Like, I laid out a complete plan in my mind, and I set everything up. Because you can't, because you can't just open up an account on a Monday and deposit a $7 million check and not think that they're not going to hold it. You know what I'm saying? Right. Or you can't go back in there and say, I need $7 million in cash. Right. So what was the, what was the, what was the, what was the corporation?

Was it? It was a variation of Kellogg's, right? It was like Kellogg's delivery. Callag's delivery. Right. Incorporation. Because they're, if they get a check from, you know, Kellogg's Incorporated and yours is Kellogg's delivery incorporated. And I deposit it.

And I deposit $10,000 cashier's check that just said Kellogg's. Like, I primed the shit out of that account. And so I was in the midst of the prime and all this is playing out in my mind. So I'm telling her, okay, look, because she wanted a house. So I said, look, I'm going to straight out. Like, I had a whole plan. I'm going to buy you a house straight out. It's like it's going to look like you have a mortgage, but you don't.

You're going to really be paying a company that I own or I'm going to put on paper that you're paying. You know what I'm saying? That way, if they come and look at you, it looks like you just bought, you bought a $300,000 a house with a $2,000 mortgage. I didn't have $300,000. What are you talking about a mortgage? $6,7 million. Yeah, so I'm plotting all this out, and I'm talking to her the whole time. You were going to buy her $6 million house?

No, not $6 million. I said, I forgot what I just said. But, no, I said $300,000. You said it was $300,000. No, no, it was, it wasn't even $300. It was like $280,000. We were going to get her a house. Right.

I was going to deposit the money in an account that was actually going to be paying her. So I said it's going to look like you're working. Like everything, like my mind had it all laid out. Right. And so when I talked to her, because we had even flew up to Michigan to visit her. So when we, when one time I'm talking to her, so I'm telling her, okay, so once you give me the check, like once I deposited and I determined to hold, you need to go ahead and put in your two weeks notice. And she's like, oh, I'm not going to quit. And I'm like, what?

I'm not going to quit. I said, but you're about to have over a million dollars. She goes, yeah, but I like my job. what am I going to do if I don't have that job? I mean, I've been working there for like, I think it was like eight, nine years. I like the people I work with, blah, blah. And I'm trying to tell. I said, listen, if they come and investigate that paper and they pull you in, and if you give them the inkling that you did this, then, like, in my mind's like, you're not going to even be ready for the pressure.

They're like, oh, yeah, this bitch took that check. Right. You're not going to be ready for the pressure. And if you cave to the pressure, you're going to jail. And if you go to, in my mind, if you go to jail, you know who I am, she didn't know my, she knew me a Zach, but you know I live in this state. You also know that the person that introduced us, right? Like, I don't want the domino effect. Right, right.

There's a way for them to track it down. A smart detective is going to figure out who I am. Right. If you don't work there, all they can do is come and ask you, but they have to track you down. And if they came to your house, you just tell them you want a lawyer. right you know what I'm saying if you're sitting in the office and you tell them you want a lawyer then they're really going to bring the pressure on your ass you know what I'm saying it's just for for them to call you in one day you're not ready for that shit

if they come by your house you can just say I don't want to talk to you I want a lawyer right and then you leave me alone and you never have any evidence but she said I'm not quitting and so I took everybody that knew her to put pressure and she said she wasn't going to quit I said we're not going to do it because in my mind I'm like that's where it's all going to go wrong. Like she's going to go to, she's got three kids, she's going to go to jail, you know what I'm just?

I'm like, no. I'm not going to do it. And we just didn't do it. That's why we didn't do that. It's very anti-climactic. So you never even attempted it. Yeah. No, well, it's not anti-climactic, but, well, maybe it is. It is.

It is. Because if you had done it, got an arrested, we'd have a whole different story. So. And she got arrested. We'd have had all different. Yes. We had a whole different story. So how long did it take you to set that whole thing up and how much money do you think you lost?

Listen, I had already, I probably lost about, I mean, if I count the trips up there, probably about $10, $11,000 that I invested. Because I started giving her money, you know what I'm saying? But like I, and of course, Tara is, I want to do it. Like, I ain't her. Like, you know, her, we're doing it. You know what I'm saying? She also wanted to run over the guy coming out of the bank. Yeah, so I'm just like, I told her, I said that would be suicide.

That would be suicide. Because they would, after she talked, they would just issue, they'd get the names, they'd go to the jail, they'd pull the person. Like, I saw all of that taking place. As soon as she crumbled and gave them who hooked us up, I saw all that taking place. How much, how much time you think you would have got if it would have happened? Oh, there's seven. million. Yeah, probably 16 and a half years.

Same thing I got. But anyway, I was saying that my whole point of that was that if you, I had looked it up and I found that if you confess while you're at a job, then the police arrest you. So if the police come to your job and question you, right? Really, that's all voluntary. People don't know that. You know, because if you're at work. and they call you in and the police are there,

you can say, I have nothing to say, I'll see you later, and you can actually leave. Right. You know, but people don't know that. They sit down and they start talking, and then once the police get an inkling, or if you've said something to implement yourself, implicate.

I'm sorry. Thank you. You're right. Implicate yourself. Then the police take that as they've witnessed you committing a crime and they place you under arrest. Okay. Or that you've confessed.

Right. They already confessed. Otherwise, they'd have to take the evidence that you're just. job gives them and go get a warrant from a judge. They have to do a whole investigation. And the truth is, look, I mean, the truth is, is that, I don't know, you know, every job, if you've got a job that's, you know, 150 people in this building, and anybody could have taken that check. And not just that, maybe even it got mailed and somebody yanked it out of the mailbox. Like, there's lots of

people that could have gotten that check. But most of the time they sit down, they're like, look, we already know you took it. And you're like, so it's that. And if you've never, in your natural inclination as a regular person is to cooperate with the police. Like, they come, they knock on the door, they say hi, is John so-and-so here? And you go, yeah, he's sitting, he's upstairs in his bedroom. You just naturally think that. And even if you say, you could be walking upstairs and then they're like, okay, yeah, because we have a warrant for us. You have a warrant. Like, you're not thinking, because you're not a normal person. You're not involved in these kinds of things. You don't see them. Your natural inclination is just to give information and people will bury themselves.

Where were you here? Oh, I was here. Where were you here? I was here. And the next thing you know, it's like, oh, wow, did I just, did they just back me into the crime? And now I'm stuck. Oh, Matt, what about your body language? So if that check was missing, first of all, she's going to have a little money. So it's going to be obvious. Like, hey, girl, all of a sudden, you're looking good.

Most people flaunt. Most people flaunted immediately. And then if they bring you in and they ask you the question, your body language is, they're going to be sitting there like, we think that you took the check that was a bar-da-da and she's going to be like why would you say that as she pulls the rings the new diamond rings off of her

fingers right? Or the color drains from her face like or what happens when they should walk in and sit down and she's like what is this about and folds her arms like I think you know what it's about you're but everything you're gonna yeah

and that's that was the whole that's why I did not pull that caper when I said in my story because she would not quit and like I've envisioned I envisioned everything of what we're joking about like I'm like I can see this going wrong I can see her saying this person introduced us okay they go you know what I'm saying I can just see them well it's got it's like when my buddy was going to the bank and he's like oh yeah yeah yeah they said because the check was over $100,000 they have to witness me endorse it and I don't that doesn't sound right like no like he's

And then his excuse was, I was like, no, I feel like they're setting you up. And he goes, nah, bro, come on, man. I'm like, I'm cool with the manager. You're cool with the manager. And he's, so you think he's going to let you rip them off for over $100,000? That's really cool with the manager. Because you shot the shit with him about fishing one day. Like, yeah, you're crazy.

And then he gets there, pulls in, there's no cop cars here. You think that they're going to be lining the entire part. parking a lot with marked police cars? Like, this is, you're getting dumber and dumber. Did you ever ask him? How did that arrest take place? Did you ever ask? Oh, yeah.

He walked in. He walked in and they locked the door to the bank. Like, they shut the bank down. Now, obviously, you've been questioning a bank before. No, I've never been questioning in a bank. I was questioned in a bank. I've been questioned multiple times in a bank, right? Like one time it was just about a check.

No big deal. They knew something was wrong, but they couldn't prove it. So they never called the cops. But I've had them where the cops. Cops, grabbed me, handcuffed me, bring me into the room. They kept doing business. It was no big deal. They just kept doing business, which I get it.

It's a business. But when he told me, they locked the door to the bank. So he walked in and they locked the door electronically or somebody went in a. Somebody locked the door and the cops for like when the cops got there. Either when the cops got there or something, either they were there somehow or another. At some point, they closed the bank down. They stopped letting customers come in when they questioned. him. And it was just like, wow, like, that's insane. I can't imagine you would stop people from

coming to the bank while they questioned you for, you know, an hour while he just lied, lied, lied, lied, lied, lied, and then they were like, yeah, okay, well, you've dug a deep enough hole now, we're going to arrest you. Now, he had a fake. He, they already knew he was done. And they got there, they search him. His wallet has a fake ID. And it's clearly a fake ID. Like, I'd made the ID. You could, if you picked at the side of it, you could peel the front, you know, the front layer off. Like, right. Not that they did that. But he. But they knew they'd run it, and they're like, this is not a real ID. And so he'd open a bank account in that name, and he'd already been pulling money out of the bank as that.

So they already know too much to let you go. You're done. But he just started lying and lying and trying to cover and cover and then he went to jail. You know, and then when he got to jail, that his bond was like, his bond was like, it was whatever the amount was that had been taken out of the bank. And I think it was like $200,000 because I think he deposited half a million dollars in the bank and he'd taken out like $2,000. $200,000 already. So they made his bond $200,000 that night. The next day, it dropped to $10,000. How does that happen? Well, it happens when you say, I'll tell you everything you want to know. Oh, yeah. But I got to get out of prison. I got to get out of jail now. I have a daughter. I have this. I have that. And they said,

you're right. I get it. Okay. We'll drop your bond. Can you make $1,000 bond? You know, drop it to $10,000. We'll let you out. But you tell us everything, yes. And so they dropped it, and you got out the next day. So, and started working with the task force. That's fine, good friend. He did the right thing. All right. Next video.

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limited time. Just visit ghostbed.com slash Cox and use the code Cox at checkout. Again, that's ghostbed.com slash Cox with the code Cox at the checkout to save a whopping 50% off site wide. $30,000 cash found inside a car during a traffic stop. Lake County deputies say this group are the ones who stole it. And deputies say they've been using this same scheme across the state. NBC2's Madison Adams is live along U.S. 41 in Hancock Bridge Parkway, where the group was caught explaining how they were able to get their hands on all that cash pretty easily. Deputies say that these four men cashed a cashier's check inside this bank that was worth $4,000.

$500 using a stolen identity. And then earlier that day, they went up to Charlotte County and castor cashier's checks, this time worth $19,000, also using stolen identities. And my advice to people who would be tempted to engage in this behavior is don't, unless you want to have to hire somebody like me, spend a lot of money on someone like me, and face five to 30 years in Florida's prison. Don't do it. On Friday afternoon, Lee County deputies noticed four suspicious men near the racetrack gas station and region's bank off of Hancock Bridge Parkway and North Cleveland Avenue in North Fort Myers. Deputies pulled them over to search their vehicle and inside they found almost $30,000 in cash, along with several credit cards, fake IDs and cashiers checks that weren't theirs.

The scammers are getting much more sophisticated with technology. They do not have to steal your physical copy. They can print fictitious checks, and sometimes it can even evade the banks. They're that sophisticated. During the investigation, they learned that these men have been making fraudulent transactions using stolen IDs and credit cards. People need to be aware of their passwords. They need to be aware of what they put, even what they put in their garbage.

And they haven't only been doing it here in Fort Myers. Deputies say that these men have been doing it across the state of Florida in Miami and Orlando. And these men aren't even from the state of Florida. Scammers, fraudsters, they are targeting high senior population areas. As we know, Florida is a senior destination. Investigators are still trying to determine how long these men have been doing this and how much money they've made. Tonight, the four men are still sitting inside the Lee County Jail waiting to go on trial. I'm live in North Fort Myers, Madison Adams, NBCTU.

I love that. They just arrested them. These guys haven't even seen their lawyer yet. But they're waiting for trial. Come on, they've got a witness on the stand. Let's go. So what do you think those guys? Well, the Regions Bank, like I had heard someone talking about, apparently they were

going to regions and get a cashier's check for $4.50. And then they were able to erase it. Yeah, erase the numbers and make it for $4,500. Did you say RayRace? Erase. Erase. I think I said erase. I might have...

Did it sound like Ray Rays? I said, you know, I'm missing too many teeth, so I might have said Ray Rase. So they managed to erase the number or erase the information and make it for like $4,500. But like they had credit cards and identities. They probably were doing a lot of crap. They were doing drugs too, so. Yeah, well, that's probably, that was probably the, uh, incentive to do the, you know, otherwise. And they probably, like, when, when, when, when you.

dealing with drug, people who do drugs, they still purses with people like in gas stations, like women will get out of the car to go into gas station or they'll pump, I don't know, like they'll snatch their purse and then they'll sell it to the drug dealers, you know. And people are, oh, we got one that looks like you, Matt. Didn't you used to have somebody that did stuff like that? Maybe. But then they go, hey, we got one that looks, you can pass. They go, hey, you can pass for this guy, Matt.

You know, they use their real ID. Yeah. Well, especially if they were to do it through, go through like a drive-th or something. Yeah. Just mail them the ID. Yeah. Yeah, just sit it through.

You just sit there and facing forward, you know. So I don't know. They're probably doing a variety of things. Or, you know, the other thing, too, if you had one of those, like a Fargo printer, you could always just take the information on the actual ID and just print another ID with your photo on it. Good point. You know, those IDs now are so frigging sophisticated, man.

Right. But, I mean, there are still guys that are making the ideas. Like, I mean, you could take a photo and then take the. information and send it off to that guy. I say, I want my picture on that ID. If you get a good counterfeiter, then he can, he can talk about it. It's probably cost to two or three hundred bucks. And the problem with those counterfeiters is a lot of times you send them to the 300

bucks, you never get an ID. They're like, sucker. That was Six was telling me, like, they have those, those guys advertise online. Yeah. Like, how the hell can you get away with that? We do IDs for novelty purpose only is what they say. Oh, yeah, yeah, yeah. We have novelty purpose only.

It's only Iowa State, Florida, George. Like, they'll name off the ones they've got. Yeah, I will novelly steal money with this. Okay, so they're just making their own checks for bank accounts going in, cash him. I wonder, though, how do they know those bank accounts have the money in them? You're saying if they didn't steal a purse, then they typically have to have somebody in the bank. Right. Or they'll go in and they'll buy a, like I said, a cashier's check.

That's why I said if it was Regions Bank, because I've heard people talking like, oh, my God, is it a Regents Bank? Like, at some point, Regions Bank got... Hammered? Yes. People were making their cash. They were buying them and making fictitious cashier checks and just slamming them. They were getting slammed.

So somebody caught that up and caught them at a vulnerable moment and probably slammed them for about a million bucks. fake cashier checks. Did you ever tell you about the guy in prison I met? God, this guy was, you might have heard. It was a, um, this guy was just a scoundrel, bro. And he, I would love to have him on here. But I'm talking about, um, you've never met him.

Oh. You know, this was in the low. He was from New York. He was, you know what he reminded me of? Barrington? No, one of the guys from the Beastie Boys. Like just that, you know, that, I mean, just. just like not an attractive human being and just like there's like nothing he's got the he's got

the nose he's got the pasty skin he's he laughed like ha ha ha ha and he would laugh and he had kind of like these teeth that kind of bugged out like it was really just bad like everything about him and this was you guys became friends of course he was super entertaining you know you'll be you'll be friends with this complete scoundrels if they're entertaining yes and I don't mean I don't know that you're really friends. It's somebody that you go up to be like, I'm bored. I'm going to go see what, you know, what's his name's doing? What he, what stories he got up asleep. Yeah, let's go see what Jimmy's doing. And Jimmy's scam was, he had worked for a telemarketing company that was selling, I'm sorry, that was, they were like selling or getting rid of people that had, people that had time shares,

they would call them up and they'd say, hey, we're going to place your time share on, on our website and sell it for. you if you want to sell it. If you don't, no big deal. And then they charge them $350 for the fee, you know, the standard thing. So he had done that a ton. And the problem was they had a whole slew of people that had not, that were basically in default or they'd lost their time shares. So sometimes you'd call it and the people would be like, they hadn't paid them so long. They simply had like foreclosed kind of and they'd taken the time share or whatever. So he came up with a scam. He went and pilfered all. He either pilfered them or he bought them. And he went and he and a couple of buddies started making phone calls although he was like the best one if

you heard that talk to the guy he was just a blatant liar and he's like and i you know he's like and i i try and call like old people like he would say it like it was nothing like he was like so i always try and call old people right because if you call old people like you know they're old they don't really know what they're like you know their head's not there you know what i'm saying like they're not that smart they're very trusting bro so and i'm sitting there looking and like God, bro, like, you're a scounder, and just blatant about it. Like, it was just, which was hilarious, because he was just like, and you'd go, don't you feel bad? And he'd go, and he'd like, and he'd be like, wow.

So he was telling me, he said he, look, so here's where they, he'd call up, he'd say, hey, I'm calling about your time share on such and such, whatever, you know, in Clearwater Beach, blah, blah, blah, blah. I see that it would, and I know it went into four, And they'd go, yes, and he'd call from a lawyer. He'd say he was a lawyer. He was a real estate attorney in Florida. And he'd say, and he'd use like a spoof app, the whole thing.

He was good. So they get a phone call from a law firm in Florida about the timeshare that you remember the address. He has the address. And he tells you immediately, I know it's gone into foreclosure. I'm not trying to collect any money for you. Okay. What he says is that the entire development has been sold.

But your name is still on the title. of the timeshare because they apparently they were supposed to have sent you some paperwork to get you off of it you didn't get off of it well here's the thing i'm representing a large group of people that had bought time shares that they'd gone into foreclosure right something like that and he'd say and you're eligible because your name is still on the the titles right you're the they're selling this to a large whatever a large you know development company whatever and your um your portion of that is $120,000. So you're going to get $120,000.

So they make them think they got money coming. They think, oh, my gosh, I got a bunch of money coming. Right. And they're like, they're like, and then he would say, here's the thing, though, to represent you, I take 30%. And that's a standard fee. And he explains the whole, he says, you don't have to pay me up front. You don't pay me anything. I get that at the closing.

Right. So I'm not asking you to pay me money up front. Obviously, I get that from the closing. I get that from the developer once he purchases the property. It comes out of closing. I get a check. No problem. So they get.

All excited. He says, I'm going to send you some paperwork, whatever. He sends them some paperwork to sign. And sometimes they would go, he said, some of the old people are like, I need to talk to my financial advisor first. And he would, he'd be like, you don't need to. Instead of saying, yeah, like, to me, I'd be like, absolutely. Give him a call. Let him know. He can call me. Like, I would do that kind of thing. And that way, it'd lull them into a false sense of security. That's what I would do. He didn't. He would go, you don't need to call your financial advisor. Does he sign your checks? Does he do? I mean, what's wrong? He was like hardcore mean. And so, anyway, so, but let's say they don't do that. And let's say they say, oh, okay, I get it. So you're just going to cut me a check. He's like, well, you have to, first you have to hire me. Let me send you the paperwork. And it's just a one, two-page document where he hires what hires.

And he was good at paperwork. He'd been doing this a while. So he would write up from a law firm. They would sign it. They'd sign some disclosures. They'd mail it back. He'd mail him something else saying, talking about the, and he has all this information. He could look it up on public records.

He'd been doing this selling the time shares for years. So he knows the lingo. So he sounds super credible. And you know these guys on the phone. These guys that do the phone work, they're very, very sharp. And so he gets them, and he would be working eight or ten of these guys at the same time. So eventually what he would do is once they had signed everything and he'd schedule a closing and they think they're going to close, it would suddenly be like, oh, wow, we just got the title work back. apparently you owe $7,000 on for, for your, um, your dues.

But this is a one day call. He had to call them. Oh, this is multiple calls. This is over weeks. So he would actually have a list of people on the hook at certain stages. He said, I'm always working, he's always working 10 or 12 of them. He said, and he said, maybe half those come through every week. So half come through every week.

So he's, he's churning it. He's like, I got no. He says, think about it. If I'm calling a dozen people and I. I get six of them, and six of them give me $7,000. He said, because he would say, look, your dues were this much every month. I didn't realize you hadn't paid up your dues. Apparently, they have a lien on the property for this.

I can send it to you. I can email it to you. And he'd have one named up in their name. They don't know. They're 75 years old. They're not going to go, let me go on public records real quick to make sure that this. They know that it went into foreclosure. Right.

So if they were suddenly saying, look, I just don't have seven grand and I don't have a credit card. He would say, can you go? And then they'd be like, let me talk to my son. He'd be like, oh, he doesn't want them talking to their son because their son's got to be like, this is a scam. So he said, well, how much can you get? And I can try and go back to the timeshare company and see if they'll accept that amount. So he said, most of the time you'd be shocked. He said, they just have, they have seven grand.

They've got it. They'll pay you the seven or eight grand, whatever it was. He said, sometimes he'd get people on the hook. kid for he said where i knew they had money i knew it and i you know you'd get them for 15 grand this is what's messed up he would then if they paid quickly he'd come back in a week and have some other issue they had to pay turns out the title company they have to pay their title insurance up front they have to pay this up front so as he greed oh it's he was and i was and i was and i was and i would say that you go that slime ball sit he would laugh he'd go ha ha ha ha ha

He'd start laughing at this horrific. I would love to get him on the podcast, bro. He was so, because he would start laughing and that sick, dark sense of humor in me would start laughing at him laughing at what we're laughing about. So wrong. Just like, like, I know now. I know now it's wrong. But, I mean, I would just be like, oh, my God. The fact that I'm laughing that he's laughing about this makes me sick at my.

I'm disgusted with me now. But so here's what's funny. I remember talking to him. So he's, listen, he's making bank, bank. I mean,

you know, he probably had no time. He had four years for like four million dollars or something, four or five million. And that's, by the way, that's, he'd been doing this for a decade.

So that's a ton of victims. A ton of victims and a ton of stuff that he told me, they never caught. And he's like the only, and he started, and I was, so as he's talking, when people tell me about a scam,

you know, I, people, like, if I tell you about a scam, you're, you're just kind of like, oh, you're listening to this store. You're not thinking. To me, I'm deconstructing the entire scam. I'm reverse engineering the entire thing in my head. People don't, people don't do that. They don't do it. Jeff doesn't do that.

She's like, oh, okay, so he got away with the money. And it's like, to me, I'm like, wait a minute, where did he, how did he, who did these people pay? You didn't put it in your, they didn't put it in your name. Right. How are you getting the accounts for them to wire the money to? So here's what he was doing. He said, first of all, I'm in my Manhattan. I'm living in a, you know, I've got a nice condo in Manhattan.

I'm bawling. I'm making money. I'm kicking ass. He's just making a ton of money. He's just, I'm going to the clubs. He said, I'm pulling up. He said, I'm pulling up in brand new vehicles. Or he's, or I rent a limo.

I'm pulling up in an SUV limo getting out. The girls that are standing in the line see us getting out. Then they see us in the club, bottle service, VIP. He was so we're dancing. We're hanging out with them. We're buying them stuff. And then they're like, what do you do for a living? And I tell them, man, I scam for a living.

And then they're like, what do you mean? What do you do? He said, I tell them, oh, I can't tell you exactly what I do. But I do scams and stuff with bang. I got people on the inside of banks and we work deals. He makes it sound like it's very safe. I've been doing this forever. And so they go, they're like, wow, how can I get in on it?

He said, well, man, I can't tell you what I'm doing exactly. He said, but you know what you could do? he said if you let me put some if you let me use your bank account he was because their bank accounts are established they've had him for seven years if i tell him look if you let me use your bank account for a couple of months i'll break you off you know 20 or 30% whatever it is so if i get a hundred thousand dollars put in you give me 70 and i mean that means you got to go to the bank every other day pull out the money or you got to write a check or you got to buy a watch for me whatever and i'll let you keep whatever's left over.

And I was like, yeah, but they know the FBI is going to show up. And he goes, they don't give a fuck. He said, what are they? He said, they don't think they're going to get in trouble. They're going to say, oh, I met some guy in a bar. And he had me, he said he was going to dump some money into my bank account. And I had to give him like 80% of it. And he said, I could keep 20% for taxes.

So he's telling them, that's all. If anybody ever comes asking, he says, they probably won't. He's like, so. That's more victim. Right. So keep in mind, these girls are doing that. And he literally, I was like, yeah, but how often can you get a girl like that? He is in Manhattan? He was every night I can get, because I go to a club, I can talk to one or two and get them to do it. He goes, they're dying to do it. He says, they're going to make 20 or 30 grand a month. He said, I got girls that do it. They shut the accounts down. They get talked to the FBI. They're trying to find me. He was just because they want to do it again. They got friends that want to do it. And I'm like, so I said, well, when the FBI shows up, how do they, these girls not lead them back to you. He is, oh, I never tell anybody my name. He said, that's how I got caught. He said, it was him and a couple other guys that were doing. He said, all of them had this thing where they specifically talked about when you introduce yourself to a girl, you have a fake

name. We're not driving our vehicles to these clubs. They never know where we live. He said, my buddy falls in love. Meets a girl. They start doing, he does a scam with her. But it's been a month, So he's hanging out with her for a month or so. He's giving her. She's giving him money. He's there depositing the money. She's coming every day, 5,000, a couple days later, 8,000, a couple days later, 5,000, 7,000, 6,000. So he's like, you know, she's seeing the kind of money he's making.

And he's banging her with his fake name, and he realizes he likes her. And she's got him convinced, listen, I'm falling in love with you. Wow. Of course you're falling in love with me. I'm rich. You think suddenly you're rich. And I can tell you right now, if his buddy looked anything like this guy looked, it was the money. I promise you.

So anyway, he, so what happens is that guy eventually lets the girl know where he lives and what his real name is and explains the scam and says to her that they have to, that when the cops come, if the FBI comes, she's like, well, you said they might not come. He goes, no, they're coming. When they come, don't say anything, just agree to pay the money back, and I'll pay you the money back that went into your account. He's like, like, let it play out first. Right. And whatever it is, I'll get you an attorney. Like, he basically tried to explain to her, it's going to be okay. But the truth is that, you know, they, one day they knock on her door and she immediately says, oh, my God, his name is Brad Johnson.

Here's where he lives. He's a scammer. And immediately. And this is a scam. Right. It's not what much money came into my account. And then immediately his buddy. rolled on the other two guys and then he's like and now I'm here in Coleman with you and he got for

four years for four for four years for like four million or three and a half or four and a half million dollars like it was roughly the equivalent to I met a few guys like that that had gotten like they'd steal like three and a half million they'd get like three years they'd still you know it was just amazing to me because I that's not what happened with the the confidence men or whatever the con men that actually take money from victims it's amazing how little time they give those speak. Right. But if you know, we take money from the institution, they're like, whoa, whoa, whoa, whoa, whoa. And then they try, if they, if you steal money from an institution, when they get in front of the judge, they, they're desperate to come up with victims. They start just manufacturing victims. I know, I know. We're going to get to that. Yeah, exactly. So this guy's out. This guy, this kid. Jimmy. Yeah, whatever. Yeah. Like I said, I don't remember his name, but yeah. From prison? Yeah, from, I don't remember. Yeah, Kobe would love him.

Listen, I'll tell you right now, he was so funny and so it's just, you know, I'm not sure how, I'm thinking finding a Jewish guy in New York is probably going to be difficult. But yeah, he was hilarious and just blatant. He loved it. Like, he loved the scam. He loved, he had, he was just, I mean. He was living it. That was a hard on. That was sex.

He had all these stories. about how he had stolen money from this person, and then he got him again, and then suddenly he started getting phone calls from their son who found out about it, and he'd hang up, and then he said, then sometimes I'd tell them,

oh, don't call the police, let me pay you back, let me pay you back. He said, I'd string him along. And it was like, he's like, you know, because the further you can get away from it. So suddenly it's two, three months, you keep promising to send the money, promising, I can send this much,

I can send here, I mailed the check, I did this, I did that. He's like, before you know it, months later, and then one day they call him, the phone's just dead. And he's like, ha, ha, ha, ha. And I was like, like, you're a horrible human being. I mean, I'm not a saying. You're like, you're a horrible human being.

Tell me another story. Now, exactly. Tell me more. Tell me more. Paris County Precinct Four investigators say they have uncovered a $3 million credit repair scheme happening here in Houston. They say the woman behind it was using falsified police reports to help get our clients better credit.

Janelle Bluta has a look at the allegations. In handcuffs and an orange jumpsuit, 29-year-old Rokisha Brisby was led in front of a judge today. More and more folks are coming forward that have used her to try to fix their credit. After being arrested Friday for what investigators call a multi-million dollar credit repair scheme. She went and basically would manipulate police reports. Court documents linked to Brisbane's social media. Her website says, your credit. won't fix itself. She used my front page of the police report with my name on it.

But precinct for Constable, Mark Herman, says it was under the guise of that business. Rose Credit Repair, where he says she would commit a legal activity falsifying police reports to increase her client's credit scores. Well, she submitted police reports on these folks' behalf saying that the monies that were spent were fraud or stolen, and this is the police report to prove it. scheme, the constable says, actually worked. Many of these financial institutions basically reversed the credit for these people, and it did make their credit scores better because they had a police report on file. Until Herman says one of those institutions reached out to his office with questions.

We noticed that the case numbers did not correspond with our current case number system. He says that led to a lengthy investigation where they discovered 133, falsified police reports from his department alone. What I think is, it's just people helping people, really. I mean, I don't see that she's, what she didn't jail for? She's helping people. Well, you know, you know, like, I'm going to say something. So, like, coming out of prison, like credit boost.

Yeah. And I forgot. So there's all these credit things that fix. It's like they've started massaging or manipulating credit reports. now you know what I'm saying like they'll put things on there for a month or two like like I was paying oh yeah yeah I was paying something to go on my credit report right um and it was on there for I paid it like two months I think it was like 180 bucks and and so then it disappears I'm like what happened they're like oh we only agreed to put it on there for two months I'm like what like

what is this so I'm they're they've been manipulating credit reports yeah they're first of all there's there's websites to do that that where we're Basically, I interviewed a guy a few months ago where, and he had... And he's not illegal. No, he had like 10 or 12 credit cards that he puts on the sites. And what he does is he's got credit cards for $10,000, $12,000, $5,000, 6,000, that have almost no credit or nothing on them. And what he does is he's now listed on the site. The site contacts him and says, look, for, you know, $80 or for $100 a month, for the next five months.

So you get $500, less they take like 20%, 30%, 30%. They take a chunk. They're like, we need you to add this person as an authorized user for the next six months or five months. That's exactly what I did. Right. So, and he does that. And after the end of five months, he takes you off. It's just enough to boost your credit or get you started on to buy a car to do whatever.

For me to get a loan to build my own credit. But I'm like, all this is. Well, you could use secure credit card. But that's not what they're doing at all. What she's doing is she's saying somebody contacts her and says, hey, listen, I have a repo on my, and I, I, I have two credit cards that went bad a year ago, and I have a repo from a year ago. How do I get it off? And she says, I don't know what she was charging.

You know, send me $800 and I'll get them taken off. Where do you live? And then she falsifies a police report saying that his identity had been stolen, that someone had taken out a vehicle loan and two credit cards and not paid them. And then maybe she attaches something that says they then caught the thief. And they were in the process, they found him, they caught him, whatever. So it definitely wasn't him. And she's got a police report. She then sends it to the bank to get the repo taken off and the two credit cards to get the credit cards taken off.

And it had been working to the point where she had stolen. How much? 2.2-something million, I think it was on the Bible. Well, it wasn't stolen. I think it was just reversed. I don't think she made that much. No, I'm saying she's getting $800 for every one of these. And I don't know whether it was 1,800, 200, I don't know what it was.

So let's say it was 1,000. So if she's getting $1,000 every time she does that, she'd been doing it so long it was, what, 2.5? Or were they adding up what she had gotten taken off? I think they were adding up what she got taken off. Oh, the reverses. Yeah, because if it's $1,000 bucks apiece, she would need like $200,000. Oh, yeah, she'd need a lot.

Well, $1,000 maybe. The multi-million dollar credit repair scheme is the title. Yeah, so she's getting, she's getting credit reversed. Yeah. illegally by saying, hey, my identity was stolen. So then they're saying that they just added up the 20,000. Like, hey, the repo is for 20,000. They're adding up the 20,000.

Right. Yeah. Oh, yeah, yeah, because that's still fraud. That's an add up up for a fraud. That's killer if it was federal. That would kill her. And your mad, man, your fact, to 2.5 plus the victims. Every bank is a victim. Every person is a victim too. Yeah, the person, the people are victims.

The bank's financial institution. Even though their credit was cleared. And now they, if they, if they track you down. Like, that goes both ways because now they track you down, they're going to put that shit back on your credit. You'd be like, wait, yeah, plus you lost 800 box. I never used her. Yeah, I didn't use her. So, you know, so here's what's funny is I have a buddy. I'm not going to mention his name. Why? He's the credit repair. I need him. No, I'm just kidding. So I had talked to him, and this was, I had met him shortly after I got out of prison. And I remember saying, he said, he was talking about how his credit was damaged. And he said, and we were talking. And I think I,

I don't know what I had said. I talked about possibly opening a credit repair. you know, a place because we had done, but the problem is the stuff we did in prison at the low, Colby's in the low. He's been locked up for three years, let's say. He's going to be another few years. He's going to get out. But when he gets out, now he's got, he'll have a bunch of stuff that, a bunch of credit cards and a cell phone, a bunch of stuff that had fallen off. So I'm sorry, that had gone into collections. So he's going to be getting out with bad credit. So what we would do is we would have him go to his counselor and he would get a letter from the counselor saying he had been at Coleman or been incarcerated, you know, they give you the paperwork that says

your arrest date, how long you'd been incarcerated, but that's kind of gets the printout and then we would just alter the printout saying he'd been locked up for like, this is in there you did this? So we've been locked up for seven years. And of course, you can call the counselor, but the counselors never answer the phone. Never. You can call the prison. If you call all day long, you must.

might, maybe, maybe somebody might answer the phone, but you literally have to call and let it ring all day long. So it's ridiculous. So, so, so we would print this letter up and then you'd write a letter. Sometimes the counselors would just write a letter saying, you know, hey, Joe so-and-so has been locked up for this long. At this, this institution, he's been here this long. He was arrested in this date. He's been incarcerated ever since. You know, sometimes they would actually write a letter. Anyway, typically you just got a printout. So he would write. write a letter saying, I've been locked up since 2004. This happened in 2007.

Someone stole my identity and then send that and that would knock off. They would be like, it couldn't have been him. Two years later after he'd been incarcerated, somebody took out this loan, paid for six months and then dropped it or took out this car loan and then paid for a year and a half and then they went into, became a repossession. So we were able to get people's stuff off. So I remember telling this guy that, and he was like, he started laughing because I was like, yeah, but I can't do that out here. He's a really?

He said, because my credit guy, and this guy had like a $30,000 repo. He had a bunch of shit on his credit. He told me that this guy is, this guy's off the chain. He said, here's what he will do. And I've talked to the guy, too, by the way. First, what he would do is he would go out and he would make a fake, well, first he'd write letters. they come back to see if they can prove it's you, if they'll just take it off. And he said, a lot of times they, initially they won't.

They always say, no, no, no. You go, okay, where's the proof? And then he said, then a lot of times they can't send it to the proof and they'll take it off. He said, and then sometimes they do prove it. Because the whole time he maintains, my identity was stolen, that's not me. So when they finally come back and they won't remove it or they say we need proof, he then falsified a police report. He then sends the police report, and he said it almost always takes it off.

He goes, if it doesn't, I threaten a lawsuit. And he said he already had a fake law firm website set up and everything where he would then take, he would then email, print out emails and send emails from the law firm with the website, the phone number, everything. And he would send them a PDF of the lawsuit that he wrote up. And I was like, you have a, you'll file a lawsuit. Because I never filed a lawsuit. He was, it's a standard boilerplate lawsuit. I just put this guy's name in it. I put the account numbers.

I put the this. I put that. I attach for an exhibit. I attached the, the police report, the whole thing. He says, I send that to their legal department. He goes, now it has to go to their legal department. Because their legal department gets it and they say, take it off his credit. He says, they take it off every time because I've never had to file any of these lawsuits.

Now, I remember being like, this guy's amazing. I was trying to get him to come on the program. He kept saying he was going to, he was going to. He actually has a YouTube channel. He didn't talk about this on the YouTube channel. So we were going back and forth, back. I used to call him, everyone's trying to ask him a question about this, question about that. So not for me, but for when people would call and ask me questions, sometimes I'd be like, I don't know, you know, because my credit's good.

So, so, but we would go back and forth. One day I called him. I hadn't called him in six months. I called him and phone numbers disconnected. I call my buddy. Hey, have you heard from so-and-so? He's like, yeah, bro. I've been trying to get a hold of him for months, gone.

I said, well, have you gone by his house? Have you, like, no, he's like, he's gone. Like, his house, like, you know, I don't think he lives there anymore. You know, the whole thing. Like, this guy just disappeared. And when I was talking to this guy, he was talking about, because CPNs, you know, that's the one you told about with the CPNs. All the, he was like, oh, yeah, you could do this.

You could do that. I was like, I wouldn't do that. I wouldn't like, oh, that seems dangerous. That seems. And he's, oh, no, no. Bro, I do it all the time. You know, I've run up, run them up to $100,000, pull out the money that they have no idea. I'm like, oh, I don't think that doesn't sound right.

So I don't know if he got arrested. I don't know what happened. Well, CPNs aren't that big anymore, but yeah. Yeah. You were telling me about that. Oh, yeah, I love these guys who are like, oh, they're perfectly legal. Like, you're an idiot. Like, I got FBI officers telling me they're illegal.

They're 100. If you, if the bank says, give me your social security number, and you write anything other than your social security number and they write anything other than your social security number in that box. You just committed fraud. Amen. Lying in any way. My charge was false statement to a financial institution. Done. Done. How are you feeling? I'm okay. You're actually okay. Let's go, Mr. Allen. Yeah. Fuck. Yeah. So that shit got hit for the whole. You know what that's what that. That is kind of like the financial sentencing guidelines you were talking about, how we should do a thing on federal sentencing and guideline. That's the same thing

because people wouldn't believe that that's fraud. They'd say, oh, well, the fraud, so you just add up the $800 or the $1,000 she was charging customers. No. And how would, so I question that because she did what she said.

That's true. So she, okay, you could argue that, but I don't think that'd be a good argument. What do you mean? I'm not saying it wouldn't be a winning argument. I'm saying if you're going to plead guilty, the moment you decide to plead guilty, you know that the argument starts to lose credibility right away. It does, but like, so I tell you I'm going to take something off your credit.

Like, you couldn't get me for taking your money. Or there is a crime, I don't know if it's Ponzi scheme, for doing something, for not doing something I promised. Yeah, yeah, it's wrong. And anytime you lied to someone about it. You wouldn't be defrauded. Well, I understand, but like you said, the money is going to be stuck right back on there. Right?

Because the moment that institution finds out that it's all, it's not true, they're going to go, okay, put that $20,000 repo back on his credit. So he's not, so ultimately, it was taken off for a short period of time, right up until my arrest. Oh, yeah. And then the government, then the chair, I got a call from the sheriff's department saying, we arrested this person, by the way. They provided a false report. And they say, oh, really?

So they do owe $20,000 for the escalate. So those, those people would have been frauded. Yeah. You know, but up until that. But, but you got to wonder, like, if, if. she did that to you, you know, they'd be like, well, Matt, were you a victim? You're like, I don't want that shit back on my report. Uh, no.

As a matter of fact, I was not. Didn't you use her? Listen, I'm good. So what do you think she? I'm not paying that money. So you're serious. She got arrested by like the sheriff's department. Yeah.

Well, because she was using his credit, his, um, his, um, police reports. Right. I guess she was, I feel like she was. I feel like she was, like, in my mind, like, that goes to what I used to do with the boilerplate. Like, if you give, and it's same with your friend with the, with the timeshares, you know, like, where you, you create a system. Friend, I'm not sure about friend, but go ahead. You create a system and you just do it over and over again. Yeah.

You know, and I think she boilerplate, I think she probably had a police report and probably altered the number, probably didn't alter the number. Do you know what stuff about this whole situation? What? I can't help thinking that I just told a story about ripping off old people. And this guy is going to have his, is going to have Luke, right? Luke, his employee that helps him cut up TikToks. He's going to have Luke cut that up. And people are going to be thinking that I'm telling a story about me ripping off old people.

As soon as I said that. Demand a disclaimer. Demand a decision. As soon as I say that, I guarantee he wrote down like, oh, this is great because if I say something that makes me sound like a horrible human being, that becomes a TikTok and they manage to edit it in a way where it's going to be me saying, you know, talking about, you know, stealing from old people and time shares and getting them to do that.

And next thing you know, there will be a minute and a half video out there and people will be like, this piece of garbage, he's stealing from old. And he, look, and all he's thinking is viral video. Matt, you said that about Dateline. Listen. What are we doing? I feel like this is... You said that same accusation about Dateline.

They did. He did. Demand a disclaimer. This guy gets paid. You get a man a disclaimer. They don't care. They don't care. Colby is more than willing to risk my sterling reputation.

Sterling... For views. Sterling, it is. For views, that's it. It's all it is for him. Yeah, we... Which is probably the underlining agreement you guys have. Go ahead.

We had, yeah, when we have guests come on, if they get a little teary-eyed or like, they don't want to cry. They don't, you know, they want to. I'm over here thinking, I'm writing those times down. Like, okay, this is a good time. This is a good time. And they're like, when, you know, like, I don't know. Or they're talking about, we did a video of Mr. Beast like a few weeks ago.

And we were saying, like, he makes, when someone cries or someone says, like, oh, like, you know, this is the, this money's going to help me. Thank you so much. And they get all emotional. He's thinking about the views and all that kind of stuff. And we just did a podcast where Bozziak was like, this guy's a piece of shit. All this guy's a stuff.

I'm like, I'm thinking like, that's kind of exactly what I think sometimes. We're willing to sacrifice my dignity. He's willing to sacrifice my dignity for views. That's right. To uplift the pieces of shit that need to be recognized. I'm here trying to do God's work.

I just here helping people be people. Ponds work. He got a G with the P. It's Ponds work. But it. All right. What are we? What are we doing?

I mean... We're done. It's 1130. Yeah. Yeah. No, no, but you told that guy. No, I know. I got to go to a bathroom.

Me too. We're good. What do we? Wrap it up? Yeah. Okay. Thank you. You're welcome.

Thank you for coming. No problem. I appreciate it. No problem. Hey, you guys. I appreciate you guys watching. Do me a favor. Hit the subscribe button.

Hit the bell. Also, please consider joining my Patreon. Make sure you share this video, too, by the way, because that really helps with the algorithm. Also, my pay are, the Patreon is, it's $10. a month. We put Patreon exclusive content. Zach and I were cutting it up before we started talking about just different things, what we're going to talk about in the podcast,

looking up videos, goofing around. So there's that kind of content, kind of that, what is that, candid? Kind of camera. Candid. Yeah, behind the scenes. Candid camera. Do you remember that?

You have just aged the crap out of us. Because we, you and I both had to be infants. The only ended. I always said infants, but like under seven, you're watching that at the family's house? The only reason I know that is because I've gone through our old home videos, and I was like a kid and my oldest brother is holding the camera, and he's like, smile, you're on Candid Camera. Oh, my God.

I'm going to go look it up on YouTube now. Watch one. Oh, my God. They were good. I used to love it. When I was a kid, I would watch Candy Camera. You should throw a video on the back of this. I don't know what the heck it is.

Oh, they would. It's like practical jokes. Right, it's the same thing. You know, it's like... Impractical jokes in there? There's a show practical jokes in there. No, there's a show called Impractical Jokers. They're practical jokes.

They're like they... Things happen to people and then they've got you on camera. You don't realize you're being, you know, and it's like any of the... Basically, it's like 90% of the TikToks that are out there. Yeah, yeah, yeah, yeah. Where it's your reaction or your, you know, whatever. They serve you a meal and they pull the thing off and it's a, you know, it's a live duck or the duck is, you know, there's just silly stuff that or, or, there's stuff they still do these types of videos today

what was the what was the one MTV had but this was like what they do those jokes Ashton Kusher Punk right punked yeah they did the whole thing That's what candy camera is but it was much more It was back in the 70s And it wasn't it wasn't um stars It was like they'd regular people

Yeah regular people Yeah it's funny People when stuff happened to be like Am I on candid camera or something Like this is crazy Pumped was funny Pumped was awesome Oh, my God, it was funny.

I can think a couple of them that was hilarious. One of my favorites was when they did, what was her name, Pink? And they've got her husband in the back of the car. He's got, they, she comes home. And he's getting arrested. He's getting arrested for a bunch of motorcycles that are in her garage that are stolen. And she goes, I got $100,000 in my bank account. I remember that one.

That one was good. It was hilarious because she goes, they're like, I need to talk to you. why would you have these bikes in your garage? She says, like, what? She's like, I don't, that's not my bikes. And she goes, what are you talking about? She goes, she's, do you know who I am? He's like, no, she's, I'm pink.

He's, well, I don't know who that is. And she's like, I got a hundred grand in my checking account right now. I don't have any stolen bikes. She goes, I don't know what he's doing. She turned on her boy immediately. I know what's up with him. And then she goes, she goes, can I talk to him? He's, yeah, walks over and says, what's going on?

He was, baby, just tell him they're your bikes. That was so funny. I don't know who you are. I'm trying to walk off. She's like, we're done. That was hilarious. That one was a good one. I like the Usher, where Usher's nephew, they acted like he had shoplift in the store, right?

And so the storekeep, because Usher's like, well, how much is it? I'll pay for it. How much is it I'll pay for it? They're like, no, we don't really want money. They're like, we want to take this opportunity to try to get you to agree to perform. I was just like, hey, he goes, I was like, look, I make too much money to just give some impromptu performance. He's like, yeah, but this is your cut. We're going to make sure this gets into paper.

He goes, well, take him to jail. I was just like, take him to jail then. You know what I'm saying? It's so funny. That show was hilarious, man. Didn't they do one to Taylor Swift where people were on a boat getting hurt or something? Yeah, that was horrible. That was a stupid one.

Yeah, and that was fireworks go off. Like, she lights the fireworks. Oh, yeah. And they make him think it hit a boat and caught it on fire. And then Justin Bieber's kind of blaming it on her. He's kind of like, like, man, what did you do? And she's like, what did I? I let the, what the way you told me?

You know, they, but it wasn't great. The best one was, well, another good one was, what was his name? Hold on. What was the guy's name? Shoot, he just died. Matthew Perry. Matthew Perry goes into. I did not know he was.

Well, go ahead. Yeah, he goes into a warehouse with this buddy of his. Matthew Pair apparently likes cars, you know, nice vehicles, goes in there and the guy's like, bro, this right here. He's like, we can get this right now for 10 grand. And he's like, 10, 10 grand. And he's like, this is a 930 turbo. This is a $200,000 Porsche.

And he's like, yeah, bro, 10 grand. I told you. That's where I got mine. I got 10 grand. It was not like I got my Ferrari for 10 grand. He's like, you said you got a good deal. Like he's like, something's wrong with this. He's like, he's like, these have got to be stolen.

And he's like, yeah, bro, they're all stolen or whatever. He's like, oh, I don't know where they got it, whatever. But he's like, yeah, listen, man, I think we should get out of here. I don't feel comfortable. Next thing, you know, whew, the cops pull up. They grab him. He's sitting there like, I don't know anything about it. We got you on this.

We got, he's like, oh, aye, aye, aye. Oh, yeah, that, hey, have you watched that show? I mean, I've seen a couple when I was, not enough to remember any, but that was, those were huge. Think about how funny that is, how do I, like, Explain that I'm sitting in a warehouse with eight stolen vehicles. And you know, Matt and Perry's like, you know, he does all that. He's doing the whole. What's going on?

Got it. His death, man. There was just an arrest, I think, with his death. Like someone who ever sold him the pills or whatever that he is. I told you about that guy. There's guy Brandon that I was locked up with. He got like 20 years, I think. Maybe, I don't know if it was 20 or 25.

He got like 20 or 25 years. and all he did was some girl comes up to him and he was a bouncer in a bar and he's like a general giant like really you would never hurt anybody and he's but he's just a big guy and he the girl comes up to him she knows him somehow I don't know if she works I don't know what the relationship was but she basically says listen you know do you know anybody that sells like oxies or anything and she's like I'm I'm in pain I can't get him I'm hurting I'm getting sick I and he's like I don't know anybody and he's like I mean I know a guy that sells but I don't know anybody that sells oxies and he's like I know a drug dealer that comes in here he's just like a drug dealer he sells like and

and and I probably have the story slightly off but it was somehow another he directs her to this guy gives her a phone number to the guy she calls the guy she buys the guy she buys she overdoses and dies. The guy gets caught. Of course, she dies. So they grab him. He immediately says, he immediately says,

well, I don't know her. She came and she bought him from me and says, the guy, I don't really know her. The guy that knows her is Brandon. He's the one who sent her to me. They go to Brandon, they offer him a deal,

some kind of deal. I don't know what it was. Three years, two years, whatever. I didn't know she was going to die. I didn't sell her the hell. I just gave her a phone number. I thought it was helping her out.

She was in pain. She's sick, whatever. He goes to trial. He loses. It gets 20 years. He's out now. We were talking about that earlier. It's like the way the girlfriend with the body.

Yeah, it's the same thing. And everybody that I know that's seen his story and read his paperwork, it's like, that's exactly. I don't know that that's exactly what it, but they're basically like, it's that simple. Well, the person is so over the drugs, Bob. we got less time. He gave her a phone number. That's it. He gave her a phone number.

That's it. I gave her a phone number. 20 years? I think he got 20 years, yeah. It may have been 15. It may have been 25, but it was in the 20. It was up there. And because he went to trial, they tried to give him like, hey, you take this and we'll give

you a couple of years or whatever. He was like, no, I gave him a phone number. I didn't sell her the drugs. I didn't want her to die. I thought she was sick. She needed something. She was going to find it somewhere. And I happened to know a guy that I thought would help her.

you know he's in that party scene that kind of you're in your 20 you're in your early 20 this is because the guy in an early 20 he got out in his 30s he's in late 30s but yeah he used to work with frank uh frank uh amadeo he would do like legal work he'd type stuff up i think he typed up my motion at least one of them um but anyway listen man we got to go that's it hey thank you very much see you guys later i appreciate it Patreon the whole thing Thank you See ya Nice That's good I have to go the bathroom

So it's his fault Okay Start Um An intro We have not done one at oh Go ahead Should I do an intro

Hey Hey we're gonna be going over Zach and I You might as well I mean Well we're kind of rambling We might as well You know

Let's try it