Matthew Cox | Inside True Crime Podcast - Fraudsters Break Down Hilariously Bad Scams That Went Viral

Episode Date: November 29, 2024

Matt and Zack cover multiple scam stories Checkout Zack's YouTube channel: https://youtube.com/@BlackZack365 Follow me on all socials! Instagram: https://www.instagram.com/insidetruecrime/ TikTok: h...ttps://www.tiktok.com/@mattcoxtruecrime Do you want to be a guest? Send me an email here: insidetruecrime@gmail.com Do you want a custom "con man" painting to shown up at your doorstep every month? Subscribe to my Patreon: https: //www.patreon.com/insidetruecrime 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

Transcript
Discussion (0)
Starting point is 00:00:00 Listen, this is my 25, 26-year-old black ass hanging out with all these 55, 60-year-old rich white men. So he's an old white man. I'm a big black guy. Right. And so in the middle of the night, he's screaming, oh, help! Help! Oh, help! FBI just got us run.
Starting point is 00:00:23 He goes out the back. He gets into a vehicle, takes off, jumps on a plane, goes back to Nigeria. and as far as I know has not been caught since is in Nigeria they said with whatever 20, 30 million dollars 40 million dollars
Starting point is 00:00:37 God knows what that isn't Nigeria Hey this is Matt Cox and I'm here with Zach and check out my channel at Black Zach Zach's got a new channel or a channel a channel
Starting point is 00:00:52 It is a new channel It's new Zach has a channel It's called it's Black Zach and the link is in the description also the link to his cash app is in the description please go subscribe to his channel also he's got a bunch of videos we've taken some of the some of the videos that we have we did months ago and we've consolidated a few of those videos the entire art app video is on his channel so check out this this video we are going to be
Starting point is 00:01:22 investigating a credit card scam done by a university student at LaSalle. At LaSalle, that we're not quite sure what she did. Information about a LaSalle University student accused of running a scam to steal close to a million dollars. Please say this may not have even been the first time she's done it. Ms. Foster, good morning. Walking into court, accused of stealing as much as a million dollars. A far cry from track star Ariel Foster's reputation at LaSalle University. She won a couple of words for the school.
Starting point is 00:01:56 she broke a few records. Now the 19-year-old faces a judge, accused of faking transactions at her part-time job at LeVisa jewelry store in the Burlington Mall. In some of the ways, they say she spent the money, a Louis Vuitton bag, plane tickets, a trip to Hawaii, and a Tesla. Police report says Foster eventually said she would take the blame saying, I'm sorry for what I did. She is now out on $1,000 bail. Live in Newton, Christina Hager. the line is of she's been accused of stealing up to a million dollars i never understood what does that mean i think that what they're it's kind of like saying they're probably saying hey this was a credit card that had a 10,000 dollar limit you ran up $2,000 on the credit card and
Starting point is 00:02:43 they say that you had it that it was a template loss yeah or potential of stealing up to 10,000 you know how they felt you know how they'll do that like with intended loss or you know there was potential that they could have lost a million dollars. Yeah, but I didn't lose a million dollars. I lost $200,000. Why are you saying? So you're actually making three categories. You know what?
Starting point is 00:03:07 You say that because it brings me back on a conversation we had with, what was his name? Michael, Gordon, John Gordon. John Gordon. Yes. And he had a conversation that cracked me up about the intended loss, you know, because. The bank robber one? Yes. Yeah.
Starting point is 00:03:25 yeah that's what well that's what that's what got that's what put me away like I would have only had 10 years except for intended loss right and there was an account where it was only there was like $50,000 in the account and we only took 20 right but they gave us intended loss of 50 because so had I been more greedy or taken all but because it was accessible yes but I just but I But I didn't take it. Exactly. And that's what Gordon made a line. He's like, that's like going in the bank and saying, give me all the money, right? And you walk out of there with $1,000 to go, but the bank had like $30 million.
Starting point is 00:04:07 Yeah, like you intended to get, you intended to get all that money. Potential loss was $30 million because you could have gone into the bank. Potential is different from intended. Right. Okay. I mean, do you, would you know what the difference is? Yeah.
Starting point is 00:04:20 I mean, I agree, but I don't think his, his, so his intention was to it wasn't to get all the money in the bank because let's face it he knew that when he got the thousand dollars that wasn't all the money in the bank you know his intention was to get some money right but well they have it all twisted up in language the way the government looks at they say yeah but the potential is there was 30 million dollars in the vault he could have gotten that which is silly because like yeah but he didn't even try to get that it's not like he ran to the vault ran in there and couldn't fit in his bag and then left well you were planning on getting the whole 30 million but you weren't smart enough to
Starting point is 00:04:56 realize you couldn't fit it all in your bag like I could I still couldn't even make that argument that's still just stupid it's just like well how much was your intended your actual and intended they started off at they started off at 26 million and then I argued and then they dropped it down to like 20 million no 19 then they dropped it down to um to 15 million to 15 million and then I settled we settled that the the potential loss was 15 million and then we kept arguing because I disagreed because they were trying to give me like what the what the value of those properties were and I'm like you know based on what what the potential what it was at the time and what it had gone up to and then so I argued and I eventually got them down to 6 million
Starting point is 00:05:45 and they just went with the actual loss was 6 million and see in my mind that's potential is the value of the argument of the value of the property. Right. Because like if the property at the time you had something to do with it was worth 100,000, but now it's worth 150, you know, the potential is like the other 50,000 because had he took the control of it, that person would be out there. So that's the potential. Intended loss is like give me all $8 million.
Starting point is 00:06:19 Like if just because that money's there and you don't get all. of it doesn't mean it's an intended loss it's I think the I think you know what they upgraded they upgraded the definition of that anyway well I was going to say it's like intended losses let's say let's say there's an account there's a credit card
Starting point is 00:06:36 it's got $20,000 limit you go out and you spend a thousand then you spend another thousand you spend another thousand then they catch you they say hey the intent the intended loss was 20,000 she was trying to get all 20,000 we just caught her first she if we
Starting point is 00:06:52 hadn't caught her, she would have gone all the way up to 20. That's what I think is intended. So you know how we disagree? Or potential. I don't know. I think this is silly. I think this is a horrible podcast. Look, he's nodding.
Starting point is 00:07:07 I mean, you forgot to your intro. Nobody listens to me. That's, we'll do it at the end. Anyway, I disagree because I think intended would be if I wrote a $20,000 check and they didn't cash it. So if you had 20 grand and I wrote a $20,000 check and I tried to cash it. Listen, I'm just hoping this, none of this shit ever comes up in my life again. Me too. Me too.
Starting point is 00:07:31 I don't need it. Me too. I don't be sitting at a table talking to a U.S. attorney going, no, no. I was just going to be like. I didn't intend to get none of that. Anyway, all right, never mind. What happened? So what they were saying is she had the potential of up to a million dollars.
Starting point is 00:07:49 I never, I don't understand. But she got around 540. Well, they only gave her a $1,000 bond. Yeah, but did you see the one thing, the second one said that it was five, a loss was $540,000 something thousand. Really? Yeah. Yeah.
Starting point is 00:08:04 How would she only get a $1,000 bond on a $500,000 loss? She's pretty. Yeah, that doesn't make sense. She's pretty here. Let me, watch, watch this. This is going to trigger. She's pretty, and she's a girl, and girls just have it easier than guys. Oh, whoa.
Starting point is 00:08:19 Look, you see that? That all person. Look. That's so incorrect, but I'm going to let you... Isn't that considerate of her? What is going on with this? I said, considerate, considerate. There's no end.
Starting point is 00:08:33 There's no end. You're making... Here it is. Look, right here. This one is... There, $547,000 in credit card, right? Right. Well, that's enough for a Tesla.
Starting point is 00:08:47 That's enough for everything that they say she had. Yeah, easily, easily. So... Yeah. So that's why I don't understand a million. Because they're probably saying she could have potentially gotten to a million if she had maxed out all those cards. I don't know, bro. I don't know.
Starting point is 00:09:01 I don't know what's happening. The point is, here's her scam. Okay. You want to get to, let's go. What's her scam? Which, of course, she did, you know, she was bad. She was, it was, it was, it was, she did it badly. Well, not that she didn't get some good money.
Starting point is 00:09:14 I'm not saying, well, you understand also, just real quick, you understand that she was using stolen credit cards to pay for her tuition. she was using funds from no they said they were looking at her oh yes right they were looking at her you're on the side okay for a separate scam they were investigating her the university was investigating her because she was using stolen credit cards to pay for her tuition which is insane that's ridiculous that's like that that's like using stolen credit card to pay for your utilities or your airline tickets your utilities you would bring or any of the other that story yes of course of course like if you were smart yeah i'd be like hmm yeah so um okay so what i'm what i'm saying is that so she's been doing this and just getting away with it and became emboldened
Starting point is 00:10:02 but what she was doing she was working for that she was working for like what was it a jewelry or an accessory place like a clothing shop or something right and in the mall and she and what was it burlington malls how many burlington malls are is that like a huge company or something burlington they do malls i thought they did coat factories but they're gone There's a ton of malls called Burlington Mall. Yeah, I don't know where it's at. So anyway, she did this, and what she did was she would take your credit card, your customer, and then she would ring up something for a larger amount.
Starting point is 00:10:37 So this cup, she rings it up for 50 bucks. And you're like, whoa, whoa, whoa, whoa, it was $15. And she goes, oh, my God, I'm so sorry. And then she would swipe her, she would go, I'll return the difference. and she would swipe her own credit card and put it back on a credit card that she was in charge of like her credit card. And then her credit card built up a balance
Starting point is 00:10:58 and she could spend that money as she wanted. And then what do you do? You get back and you're like, oh, yeah, I see the $15. Oh, it's $50. It was $50. Well, where's the return money? She didn't return the money. So maybe you dispute it with your credit card company
Starting point is 00:11:13 and they just give you the money back and maybe they don't even try and get the money back or they reversed the charges, something along those lines. And so it took a while for that to eventually catch up with her and get investigated and get her get arrested. But she did it to the tune of half a million dollars. So over how long of a period of time was that, I wonder, a year or so? Well, I mean, if she did it on a consistent basis, I'm sure daily she was making a goal of it.
Starting point is 00:11:43 So her thought process was kind of like the one I had in crimes is like if I do this much every day, this is how much I have at the end of the week. Right. So obviously, like certain items, she was probably tagging. But I knew someone doing that same scam. This is back early in my crime spree. When I was in jail, a gentleman was telling me about his girlfriend that was doing that. and every day what she would do is she was this is like late 90s so it was absolutely undetected but she would run the the amount and do a credit and just put it back on her card so she would
Starting point is 00:12:27 actually give them the product so she would pay for the product they let them go and then she would just credit it back on her card she just do a credit back on her card and on a daily basis it's like about five five six hundred dollars a week Yeah, which, I mean, let's face it, if you're getting paid $6 or $700 a week, an extra $500, that brings you from the, I'm barely paying my bills to I'm doing all right. Like I'm making a couple thousand dollars a month extra. But it seems like she was in a high dollar, wherever she was working, she was in a high dollar store. But that shows up pretty quickly. If it's a high dollar amounts, or you're doing a lot of returns like that, her drawer would be wrong.
Starting point is 00:13:08 consist. I don't know how it would be consistent unless like what you were saying some and this is what I'm thinking in my mind. So you like you said, the cup is $15. So she charges you 50. So what she would do is she might return the $35 to your card and put the 15 on hers. Maybe. You know, somehow another she was hiding it. Something allowed her to stay there on a consistent basis. and do that because half a million dollars is not something that like would happen over a short period of time and it's not something that would happen where your boss wouldn't go what the hell is how do you keep coming up wrong right like how is it that you had this much in sales and when I count up your receipts which includes your cash and checks and credit cards
Starting point is 00:14:01 you're short this money at some like that wouldn't go on consistently enough for half a million bucks unless you're able to hide it somewhere in the numbers right because i i guess so maybe i like i could see like if if somebody rang something up for me and it was 30 or 40 or 50 bucks off like honestly i wouldn't i probably wouldn't even notice it you know you know what you just you just answered it so that's probably what she was doing she was probably over so if she charged you 50 bucks for this right you didn't notice it and she was returning the 35 to her card right and letting you keep the $15 item. Right.
Starting point is 00:14:38 And think about it. That would hide it. What would be the worst that would happen is you get a bill, you see the 50, and you go, oh, that's right. She charged me 50. Maybe it just hasn't caught up yet. She did return it. I saw she returned it.
Starting point is 00:14:52 No, you're putting the customer in on the return. Take the customer out of the return. You come to my store and you buy this. Why just survive back to school when you can thrive by creating a space that does it all for you? No matter the size. Whether you're taking over your parents' basement or moving to campus, IKEA has hundreds of design ideas and affordable options to complement any budget. After all, you're in your small space era.
Starting point is 00:15:18 It's time to own it. Shop now at IKEA.ca. Cup, and it's 15 bucks. I charge you 50. You take the cup and you leave. I do the return on my card for $35. You have no idea that I just did a $35. return you just left right you just paid 50 bucks for this $15 cup that would allow me to operate
Starting point is 00:15:43 week after week because right but doesn't the customer get home at some point their bill comes in and they go man I let me check and they start scrolling through and look and go hey I only spent 15 bucks at this place what's this $50 charge thing is even if they do like most of the time that's 30 days later who knows like like anybody not even catch it. Yeah, if they catch it all. Because if my bill was off by 50 or 100 bucks at the end of the month, like honestly, I'm not tracking all that. Amen. And if she's able, like I was telling you, somehow she's able to do that. What if they're big, like what if she works at a place where it's every transaction is 400, 500,000, 1,100, like if she worked at a high end boutique where women are paying $300 for a blouse, do people, she charge, blouses? Yeah, okay, cool. She just doesn't wear them. That's all. So, yeah, so if you, so these are women, that are buying $1,500 or $2,000 purses and she taxed on. She charges them $2,300. Yeah, even if it's just a hundred, even if it's a couple hundred bucks on three purchases
Starting point is 00:16:44 a day. That's $1,000. That's $300 extra, five days away. That's $1,500 extra. And let's, well, $1,500 in a year, you'd almost have half a million. Yes. That's what I'm saying. So she would overcharge them and give herself, I was trying to figure out how she could
Starting point is 00:17:01 consistently do it. And the way it is, she just overcharge the customer. and then just return the overcharged amount. No, way off. 15, that's only 77,000. Well, it's way off. 77,000. But how long has she been doing it?
Starting point is 00:17:15 I don't know. But that would allow her to stay there and there'd be no question. She would just have a lot of, so they were just like, you know, you're doing a lot of returns. Yeah, I'm overcharging people by mistake. Right.
Starting point is 00:17:27 What's the worst that happens is she probably, well, the worst happens is what happened to her. But pretty much if your boss, but at some point might just fire you, if you quit and just left. Might not. Well, I, so I would imagine, like you said, a couple of customers came back. But for her to get that much money, she's been doing it consistently.
Starting point is 00:17:47 She's doing it consistently. I don't, so personally for me, I'm not a huge. So I started off with credit card fraud when I was doing what I was doing. And I got caught every time to the point where. There was one time when I was sitting in booking for those hours after my arrest, and I said, I'm not doing credit card fraud anymore. Right. Because that is the worst crime.
Starting point is 00:18:19 That is the most known and it's the easiest to get caught. Credit card fraud. I just, I hated it. So, and I've done it like where people, like, you have guys that, go to gas stations when women are pumping gas and they'll grab their purse out of their car and then they'll sell the credit cards to people like myself and I'd buy them and I try to use them up real fast
Starting point is 00:18:48 before they turn them off. You know, all that stuff, credit card fraud leads to you being running somewhere out of a store because you try to use the card that comes up stolen and you're like, oh, I got to go. Stolen, that's, I'm so, surprised by that. Let me call my credit card company as I'm running out this store.
Starting point is 00:19:10 Boziac has a story. He and his brother had they bought something like he wasn't even a big deal. It was 50 or 100 bucks or something like a game, some game components or accessories or something for some game and they were in like Circuit City or Target or something.
Starting point is 00:19:25 And they and his soon as they swipe the, his brother was staying in there and swipe the card or was did Bozac swipe it? Anyway, they were both at the register and they're sitting there and all of a sudden the guy kind of glanced
Starting point is 00:19:39 and then went up and picked up the phone and say you know I have a code gray and such and such and Boziac said I looked at my brother and I went like this and he goes
Starting point is 00:19:50 and he turned around and walked off he's like he goes and he stood there he was I thought he was behind me like I just started bolting and got faster and back to you know
Starting point is 00:19:57 before you know what I was really going he said next thing I know I hear hit he was I can hear you know his brother was wearing flip flops so I can hear the flip flops on the monolium
Starting point is 00:20:07 the linoleum and he's like run and he shoots right by him and he's like then I fucking take off he's like I go one way the cops grab he goes he had
Starting point is 00:20:15 one of his flip flop blew out and he said he tripped and he grabbed him and they grabbed him and he took off Bozziac got away and he said like the next day his brother was like
Starting point is 00:20:25 where were you he's like well he's like what did you just I turned around you were gone when the cops came he's like I gave you the nod
Starting point is 00:20:31 is there a nod did you have to plan before you go to the register? I mean, you would think he's like, he's like, like that. And he said his brother was just like, yeah, he said, I turned around. And he goes, I thought you were using the phone. I thought you got like a phone call. And you were like, hey, I'm using the phone.
Starting point is 00:20:45 Because he said, and I did do that. He said, I did put my hand and walked away thinking he was coming with me. Nope, just stood there. I got a code gray. Yes. Code whatever. Yes, I'm telling you. I, I swore off of credit cards because they caused me to, to run.
Starting point is 00:21:04 and bolt like three three times arrested trying to use credit cards for I'm like now I'm not I'm not using credit card fraud anymore I hated it so listen she would if she did it over 18 months she had to be stealing $30,000 a month over the course of 18 to steal 200 to steal $540,000 and see that's what I'm saying I don't think you're giving her her credit because like you're saying what if she's able so I'm in my mind she's got to it down to a fine tune to where she knows exactly what she's going to overcharge for each item. And so she's consistent and with it and working it.
Starting point is 00:21:45 She's probably $1,000 a day. It would have been $1,000 a day. That's $30,000 a month. That's $1,000 a day. So you're, so, hey, listen. And here's what. I don't think she could get away with it. I don't think there's, I don't think you can.
Starting point is 00:21:59 Well, but I'm not for 18 months. 18 months. I don't think, I don't think you can steal $1,000 a day from a store for 18 months and get away that seems excessive hey but it depends on how high end of a store though but listen here's the thing so listen i got i got a story this is when i was a kid we had a friend that worked at um emc theaters yes did i tell you this no so he worked at amc theaters and we used to always he always had money and we used to always kind of go like you work like 20 hours a week at like why do you work there he's like man it's good money bro and we're like what do you get paid
Starting point is 00:22:32 an hour he's like oh and this is back when like minimum wage was like three yeah it was like three ninety five four twenty five five an hour and you're like how is that good money and and he he was like well it's really like 20 25 bucks an hour and we were like what he goes yeah listen to this so you know their whole like you know they they hire like it's like McDonald's like it's dummy proof like we can hire somebody train them in one hour we can train them on everything. Well, McDonald's has the pictures of the food on the register. Right. I want a fry. Exactly. And that's how this was at AMC. He said, everything's done by inventory. And we're like, okay. He said, so they don't, like, they don't, he's the way they do that is like you have,
Starting point is 00:23:18 you get a stack of cups. You get 50 cups. You get 50 popcorn. You get 50 this. So when you're done, then you get another 50, then they just, boom, okay, we know we just sold 50. That's how they do. It's just inventory on the actual items you're selling. He said, well, the way they do that is not by the syrup, not by the popcorn. They do it by the actual container. And I was like, we were like, okay. He said, so what we do is whoever goes and grits the garbage, grabs the garbage to take it out, pulls out all the used cups and all the used containers for popcorn containers. He goes, and we stack them up, and then we wash them out, and we stack them up, and we sit them back there.
Starting point is 00:24:04 He goes, so we sit there, and whenever somebody comes in, and if they give you exact change, like, okay, it comes to $20 is, and they pull out cash for, this is 20, this is 30 years ago. So somebody pulls out of 20, he is, we're like jackpot, you take the 20, you reach under, you grab one of the used ones, you get them the popcorn, you get the two sodas, and you give it to them, and they leave, and you pocket 20 bucks. he said i mean you don't have to do that very often he is for 20 bucks he said you do that he said you do that 10 times a nice that's a couple hundred bucks because the popcorn and even back then was 15 20 bucks for popcorn and a couple coax right so he was like he was like you do that you do that 10 times a night he said i mean you're making bank he's so yeah of course i'm going to keep that job he's i'm doing great and he's like and i let my friends in for free like they want to come in i just go and i just go and i meet them at the back door and open the door
Starting point is 00:24:57 he's like everybody the whole store is in on it so he said and i was like man that's that's i go jesus bro that's fucked up and he goes like this i said but you wash him out he goes we do he said one time though like i had the cups and everything he said i had the cups and the guy came up and he just it was like five bucks for four dollars for like a thing of coke like oh yeah give me a coke give me a large coke here's four bucks and he goes okay He said, and I was like, he was, but I had gotten the stuff back, but I didn't have a chance to wash it out yet. So I turned around and I grabbed the cup. He was an in the cup was a chewed up bubble gum at the bottom of the cup.
Starting point is 00:25:40 He's like, I reached over, pulled it off, saw the bubble gum, but it was $4. So I was like, fuck, boom, he said, I hit the ice. Ice filled it up, filled it up with soda, put the thing on. Boom, here's your cup. The guy was like, thanks, man, and walked off. I was like, that's horrible, bro. He's like, I know I felt bad about it. about it.
Starting point is 00:25:58 Law enforcement often questions him. Not because he's suspected of a crime, but because they find him fascinating. He is the most interesting man in the world. I don't typically commit crime, but when I do, it's bank fraud.
Starting point is 00:26:15 Stay greedy, my friends. Support the channel. Join Matthew Cox's Patreon. But that's the same kind of thing where like, if you're in those stores and you can figure out how things work, You can usually figure out a way that, like, you know, how does it, same thing with me and the, me and the, how to make fake identities is like it just slowly, you get a piece here and a piece here and piece here and you go, you know, I did this. You break the system, yeah, you break the system down.
Starting point is 00:26:42 Yeah, there's a hole there. So that's all she must have done. I'm not, I mean, I just don't know. We could call her. We'll have to get her on the show. Was she going to get probation? Yeah, absolutely. $500,000?
Starting point is 00:26:54 $500,000, never in trouble. No, she'll get probation. If she doesn't hire some high dollar lawyer that... She's in college. Yeah. It depends on who's bringing who's the backing of the charge. It's like my mind works legal. So it would have to be the store.
Starting point is 00:27:13 It wouldn't be the customer. So the store pushes. Yeah. If the store pushes it, then she's going to get... I don't think it's the... I don't know what it is, not for a $1,000 bond. Because the store would come in and she would have... multiple charges sound like she's got one charge right with a thousand because she couldn't have
Starting point is 00:27:31 like that would be like 30 40 charges at least at least because there's no way she did all that on one transaction so the fact that she only has a thousand dollar bond tells me it's one charge they just kind of know what she's done i think they're going to probably come back i don't i don't know and charge it i don't i don't fully understand that i think it's i don't know i'd be interested in reading the the the paperwork because if it was okay if it was sorry go ahead no i was going to say um if it was if it was federal like i could pull it up i got pacer like i could pull it up on pace or like i could pull it up on state on state yeah i put up state yes all the time you pull why didn't you pull it up you know what we were doing you should have pulled it up and printed out the paper you're right i should
Starting point is 00:28:14 have sorry sorry sorry matt fans um what uh did i would tell you about the Did we ever talk about the guy The King of Helox? Does that sound familiar? No. God, forget the guy's name. He's been on like America's Most Wanted. He's from Nigeria.
Starting point is 00:28:35 Oh, Heelock. Home Equity line of credit, yeah. No, tell me. So this guy. I think you have, though. Yeah, this was a guy from Nigeria who grew up in like the Nigerian phone rooms, right, where they were doing like that. Is it the 419 scams where they, you know,
Starting point is 00:28:53 know there's a there's a princess or a prince that died and his heirs need the money and all the money was in the barrister's account and you happen to have the same name as the barrister that died cash the check right so you can actually go to the bank in london and get the money and we can set it up so that you can we can just have it wired directly into your account we'll give you 10% it's 15 or it's whatever it's usually like you know ridiculous like it's 80 million dollars you'll get 10% all you've got to do is this and then you get so excited about it and the next thing you know they're like if all you have to do you know but look in order you have to pay the wire transfer and that's 1% of this so you have to send him like $8,000 or there's different variations of
Starting point is 00:29:37 the scam so but he grew up in those rooms well at some point he came to the United States started working for a couple credit for like a credit card company just selling credit cards got in trouble or issued some cards to his own address right got in trouble in Los Angeles I think he was in Los Angeles got in trouble got arrested was in trouble then he started working for like I want to say a mortgage company or something anyway he um I like he's got a Nigerian name I you I can't even say it's Tobayashi Tobyushi something anyway he he ended up so I was reading an article it was in I remember I think it was in fortune magazine it was called the Helot King and he stole it like it was like 80 million dollars is what they hit
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Starting point is 00:30:53 All designed to work together to fight the root cause of common oral health issues, such as gingivitis, plaque, and tartar. Use the full routine twice daily and be dentist ready. Shop the Colgate Total Active Prevention System now at walmart.ca. Estimated if he had stolen. They said it could be a size of $100 million. But what he eventually figured out how to do was he would go through and find out. find these houses that were worth several million dollars and he knew they had equity because you got a two million dollar house and maybe you owe one point five right so he would then turn around
Starting point is 00:31:33 and he would figure out how to get your your um the person who own the house is social security number public record back then well social security number and then what he would do is he would call the spoof app had just come out on phones yes so he would call phone number right from their phone number so they think so if you're a bank of america you think this person's calling from this phone number and he would say i work here you know i work here here here's my home phone number here's you know here's my address and and back then you know that they were giving home equity lines of credit away especially especially since the lTV was below 80% like the clt is way below 80s this is late 90s right um late 90 well no it was early 2000 it was
Starting point is 00:32:22 still before the crash. Right. So what he did was, so he'd make the phone call. So the bank thinks you're calling from the house. Right. So he obviously is the guy. He also has his date of birth, social security number, full name, knows where the guy works.
Starting point is 00:32:37 So when they pull the credit, it all checks out. And because it's a he lock and it was below like an 80 or 90% CLT cumulative loan to value, meaning the first and the second still aren't going to exceed 90%. Because of the house value. Right. because of that, they don't even do a full appraisal. They would just do a, like either a drive-by appraisal or a desktop review.
Starting point is 00:32:59 So they have some guy in-house, look at the house, look at the comparable houses, and go, yeah, this thing's definitely worth 2.5. And they would do the numbers. They'd say, yeah, okay, he's got perfect credit. So go ahead and let's close the loan. And then they would say, okay, well, you know, where do you want, you know, let's do the closing. And they would do a closing. They would either, like, mail the documents in or have him go to a title company.
Starting point is 00:33:20 and then they would just make a fake ID, have the guy walk in, sign the papers, and then they would wire the money to a bank account. He then had the money wired to mules in, like, China, who would wash the, yeah, this was where it got like, wow, like this guy went, this guy's amazing. Like, I don't know how to get in touch with a guy like that. So they wire the money.
Starting point is 00:33:41 They then wash the money, take like 5 or 10%, and send the money back to an account controlled by this guy. And some of the money would go back to Nigeria. Right. Anyway, this went on for forever. They used to go and they would rent rooms at the W. And they would get like a penthouse and stay there for two weeks and do nothing but he would just go out and get all the documents. And they would do nothing but just make phone calls and do closings for like two weeks straight.
Starting point is 00:34:08 And then they go on vacation for a month or two. Eventually, the FBI got on to him. They knew he and his whole crew knew he was on to him. They were that the FBI was on to them. And at some point, they came to arrest him when he was at the, he was in Las Vegas at a casino. So they surround the, or they're watching the casino. And when he walks out and his entourage walk out, they get into whatever, some Mercedes or BMW or something. They surround the car and immediately they, they close in on the car, but it wasn't him.
Starting point is 00:34:50 it was his cousin who everybody said they looked exactly alike like they very much so while they're in there his girlfriend who was hanging out who's one of the he was still in the casino she says like like the feds just got us run of course that got her extra time right um really oh yeah that's what did it was it um um uh eating and a bed of of justice obstruction obstruction of justice so she sat there while they're pulling on the doors and stuff. She's texting him telling him the FBI just got us run. He goes out the back gets into a vehicle, gets into a vehicle, takes
Starting point is 00:35:27 off, jumps on a plane, goes back to Nigeria, and as far as I know, has not been caught since. Is in Nigeria, they said with whatever, $20, $30 million, $40 million, God knows what that is in Nigeria. And his father,
Starting point is 00:35:44 by the way, who they said ran phone rooms, is actually a well-known politician and owns like several nice hotels in Nigeria. What's funny is like people here would be like, well, how's he a politician?
Starting point is 00:35:58 And he's running scams from Nigeria. Trust me, it's Nigeria. It's the same. That's what's happening. Anyway, scams and politicians are one and the same. So he's now, if I'm right, he's still back in Nigeria. I'm almost positive he's still in Nigeria.
Starting point is 00:36:14 But it was one of those things where it was like he was on the inside. He already had this kind of scammer you know frame of mind but he learned a little bit and a little bit and a little bit and then he put it together and it worked and he blew it out and then he got lucky and took off like most of the people got like eight years 10 years you know they weren't like the mastermind like he was a top guy so yeah I can't believe you that I've never told you that story like I read that I still have that where did you see that though it was in Forbes magazine no it was in fortune
Starting point is 00:36:47 magazine and I'm telling you right now it was this guy's been on he was on America's Most Wanted he was on because I followed the story the whole time I read the Forbes magazine when I was locked up I was in below and it's what's funny that's one of those fortune sorry fortune that's one of those scams that like because like when I was on my run I tried I tested out three or four scams that I had seen on America's Most Wanted or when someone gave a scam just like what we just did about the girl, I would try to analyze it in my mind and go, I wonder if we could do that. I wonder if we could do that. I learned, I learned a couple of them from the, the Nigerians. At one point, when you were talking about the, the, the checks. Right. I was, I don't know who I was
Starting point is 00:37:34 telling that to. So part of the, what, what I had going on, I had a bunch of track phones, right? Can you read this name for me? I'm sorry, that's his name. This is a CNN. article on wahora god he's young yeah he was a young black guy i want that send that story to me i want to read that listen this is yeah he um yeah this is this is a cnnnn one but there's one on uh i'll send it to you can find the one on uh the king of home equity fraud yeah there's the fortune one is is it's a great article great article Wow So I'm sorry
Starting point is 00:38:19 What you were saying No no what I would do is I would I would copy it Anyway I had a couple of run-ins with the Nigerians So you know how you were saying That they would tell you to deposit Fake money order In your account and send us 10%
Starting point is 00:38:34 Right Oh listen I was I mean that's one of like there's so many variations Oh I was I I called them actively Right Trying to figure it out No, I wanted them because of what I was doing.
Starting point is 00:38:49 I had bank accounts in people's names and I had phones. Right. And when I saw that on the television, and I, you know what it was? Somebody had told me that I just, you know, I just got this offer. I think I'd heard from one or two people. I just got this offer where they're telling me to deposit a certain check in my account. I got a text message or a phone call about that. Right.
Starting point is 00:39:10 Right. Somebody had told me that. And it just kind of blew in one ear and out the other. And then I was watching that on the news. news and I remember looking looking at um taran saying I go I go we should do that I go we what do we what do we got 30 40 bank accounts right I go I would love to get one of those $20,000 checks she go would you would you give them that because they they wanted me to keep 10% or whatever it was I'm like no I'm keeping all their money
Starting point is 00:39:38 yeah why why would I pay you you're scamming me right I'm keeping all your crap you know so we actually got so they they must have got on to us because we pursued them and we actually got like four or five checks and I just never paid them like we from different like we we had a room full of cell phones I'll never they're calling up asking for them and you're like you're a criminal yes like you wrong you tell me oh I got one of those calls about a Nigerian and then I'd call you up I go hey find that number yeah I'll give you 200 bucks you'd find a number
Starting point is 00:40:16 and I'd call so once I start reaching out like I'd reach out to them from different phones and oh yes you know I started reaching out to them and all of a sudden
Starting point is 00:40:24 they're like hey somebody's ripping us off down there these damn Americans I started stealing yeah I wouldn't give them anything they'd call back and I go oh I did get the money
Starting point is 00:40:36 I'm gonna send it you know they'd be like Ash hall you know they'd be mad as hell like what's wrong with your mind send me my damn money you know They're giving you a hard time.
Starting point is 00:40:48 I was going to say, you know, what's funny is, like, those scams, like, they always seem, well, they're not harmless, obviously, you know, there's victims, but there was actually, there's actually a case where a guy was furious and he actually flew, like, to Nigeria. Like, they got him over and over again. When he finally realized he had lost, like, 40 grand or something outrageous, he, like, flew to Nigeria to track the people down, and they killed him. they killed the guy no that's the the victim from like the America or the UK or wherever they got him he killed flew to Nigeria tracked down where the phone room was like went to the police department
Starting point is 00:41:25 they're not helping you they're in on it and actually ended up getting killed so it was that or it was the bank scam where they do the the bank where you fly in and give them the money it was one of those two, it was still in Nigeria, where you went in, there's that one, there's one scam where
Starting point is 00:41:46 they, you bring money and you go to like a bank. Right. And the, they have the money. Like, they show you like, 10 million dollars. They're like, this is yours, but you have to pay them whatever up front. And the guy was like, oh my God. And so then he pays over like a hundred thousand dollars. And then like the next day he goes to the bank to get the money. Right. And the bank manager's like, I'm sorry. Same guy he talked to. I'm, what are you talking about? You or who? I'm here to get my $100 million dollars $100 million dollars What are you talking about?
Starting point is 00:42:17 And then he calls the police And the police drag him away And they're like You know and they're like This is oh my God what's going on I'm going to what call the FBI? It's Nigeria bro Yeah
Starting point is 00:42:29 Like I'm in on it You're just an American Amen, amen So There was something like that There was a war I guess Some kind of finance Because they were going at it
Starting point is 00:42:38 And this is the 90s Right This is specifically I remember in the They were all over the place, Nigerian scams, working out of Houston. Listen, them and what is it, is it the Indians or Pakistanis that are also doing the scams, the IRS. Have you ever been contacted by the IRS? I've been contacted by the IRS scam over and over again.
Starting point is 00:43:00 And I can never, like, you don't have times. I've gotten the phone call and they've told me, like, they're from the IRS. And I'm like, oh my God, like it's one of the scams. Like, I'm trying to get my equipment together so I can record it to be like, okay, now what's going? on you know and have you ever had that where the scam this was a big one the scam is they call and they tell you this cracks me up because i almost want to correct them and be like listen bro that's not how it works what are you doing work on your game bro work on this okay perfect your craft for Christ's doing this who's doing this who's reading the script who's writing this
Starting point is 00:43:34 script this script for you um like let's work on this let's tailor it so that it's actually believable um but the the the the scam is that they call you and they, so there's obviously different version. So anybody in the comment section is going to be like, that's not the skit, there's different versions. But one of the ones that was very popular, probably
Starting point is 00:43:54 about two years ago, was they would call you up and they would tell you that they were from the IRS or law enforcement, usually like IRS. They said they were like an IRS agent. They made it sound like they were, and there are IRS
Starting point is 00:44:10 agents that are investigators that are almost like the FBI. They have guns, the whole thing. But they were from the IRS and they were saying, look, a vehicle was found in Texas that is connected to your social security number. And it was like, okay. And they go, so, you know, and it was always be like, what is your name? And of course, you just readily give them your name. They're like, yep, okay. So Mr. Cox, it's connected to your social security. number and and the vehicle was found abandoned there was there was a weapon in the vehicle as well as like two kilos of like you know drugs right you know coke or something this is the r s calling you that's what I'm saying like it doesn't make sense and then they would say um you know we how did it go where they basically said that we're going to that we need you to pay the fine to return the vehicle back to the rental company and pay the fine for like the deposit for like the the insurance deductible or something
Starting point is 00:45:20 which is ridiculous it's like $2,200 or whatever and they're like if you don't do this within the next 48 hours then you're it was um they were going to cancel your social security number I remember that like none of this like there's no canceling my social my social security no there just nothing you're saying makes sense like and I've been told when I've talked to people about this scam they're like it's funny because you know sometimes you get the emails right you read the email we used to be big on the emails and I used to get the emails all the time before I went to prison because that you know that scam has like I said it's evolved right and I would read the emails and the emails would have like misspelled words and poor poor structure poor
Starting point is 00:46:05 sentence structure and you're like this is supposed to be from a lawyer yeah and it doesn't even Longbendy Twizzlers candy keeps the fun going. It makes the fun going. And I was told that the reason that they do that on purpose. And I went, why? They were like, they do it on purpose because if you're dumb enough to not catch those things then you're dumb enough to fall for the
Starting point is 00:46:43 scam now I disagree if that's their their mentality I disagree because you don't have to be stupid to fall for a scam lots of smart people fall for scams probably not those scams oh my girl laughs at me all the time
Starting point is 00:47:01 I fell for the I got a text from Amazon saying my account's been canceled I need to verify your account. That's when I was, remember I was here and people were hitting me cash app on my card? Remember, I said, hey, somebody's cash cashing money off my card. Oh, yeah. What happened? One day I got a text message telling me my Amazon account was canceled. And I'm like, what? They go, we need you to verify your information. So I click on the link and the text and I start filling
Starting point is 00:47:33 out, they go, give me your card. I give them my card number. Then I give them my address. Then they wanted my social and date of birth. That's why I saying, what are you doing? Yeah, I'm saying to myself, I'm like, I never even gave Amazon my social. But then my mind goes, no, no, no, no. They're verifying that that is your card.
Starting point is 00:47:49 So I put it in my social and my date of birth. And then like two days later, someone's snatching money off of my cash app. Did you get the money back from cash out? Yeah, yeah, they had canceled it. They hadn't transferred it. When they did the transfer, they put it on hold. They did like, remember it was like 300,
Starting point is 00:48:06 they did like 250 they started off with 50 then 100 then 200 you know that Jess got hit with a only fans the other day they charged her for like 20 bucks and then they charge her like 10 bucks and then 15 and then like another 10 and then she realized what was happening and she like called said hey what's going on and and shut the card off it had a new card issued but her whole thing was she was like like how would only fans even get my number like I've never been on like she was like I've never been on only fans right like I don't have a page I've never somebody somebody has her so they you know they sell our our card information and and like the FBI has been the FBI let those sites operate almost with impunity
Starting point is 00:48:54 for right long time and I guess they waited and then they they went in and they shut down like 95% of them you know but before it was it was just wide open they were competing for price but I know that they're getting them by send because I get the text message now I don't even fall for it first time I fell for it and you know my girl laughs because like you're a scam or how the hell you fail for a scam I said I had just placed I run the scam I just placed an Amazon order and I'm like oh no I don't want my stuff canceled the timing was perfect and what's so funny is after I put all that information in they just sent me to the Amazon on site, right? Where I looked and my account wasn't locked. So it made it look like, oh, yeah, we unlocked it. Well, thank you. They're taking care of me. I can run to the bathroom real quick. We just looked up another video on the LaSalle University student. And Zach was right. So I was saying like 18 months or something. No, she did it. Obviously, it was eight transactions.
Starting point is 00:50:08 So what I guess, they said it was a low-end jury store. Yeah, items were typically 50 bucks. Right. And so I guess she overpriced a couple of customers. And then I get. That's insane. Well, I don't. Like, how do you, like I still don't understand.
Starting point is 00:50:24 How do you run up? Like if you said, hey, I'm going to hit this guy's credit card up for $100,000. No, you're not. Like, well, Wells Faro is not giving you $100,000 a month. Well, they said she did eight transactions. is totaling $540,000. And the reason... Or did they say she got greedy and...
Starting point is 00:50:44 She tried to do a million dollars at the end. That's what a million dollars came from. Like the last day before she left, she tried to do a million dollar return onto her card and one of the other crew members got suspicious and called the cops. Okay. All right.
Starting point is 00:51:05 I don't I don't understand like like the sloppiness well yeah you I'm going to still like 500,000 dollars from this company and nobody's going to say anything yeah I don't that's what I'm saying I don't understand like that's why like the one scam I had where I made the synthetic identities and I borrowed against the properties like that scam. That scam. was, you know, had the people I was dealing with not got caught on another scam, that scam was like full proof, you know, I'm buying something for 50,000, I'm getting the value run up to 200,000, I'm borrowing 180,000, so I pay back to 50, so I just made 130, and then I make a few payments and I let it go into foreclosure, the bank takes the property back, they stick it back, they were sticking them back on the market for 200. It's like, are you serious? Like, they believe, it now they could never sell them for that they ended up selling them for like 70,000 still more than the 50 that I had bought but by that time the whole area was going up but they never thought fraud because every all of the ways that they went out of their way to check like how do we know what this house is really worth do an appraisal the appraisal is the appraisal comparables yeah the appraisal comes back and says that's what it's worth it why can't we sell it well it's in bad shape oh my gosh how bad a shape well you know well the bank doesn't want to fix it up right they don't want to dump money into it that's not their business
Starting point is 00:52:35 And people don't realize that, too. The banks don't do repairs because now they're stuck up for the repairs. You know, oh, we fix the roof. Well, you have a two years later or two months later it starts to rain or it leaks. They go back to the bank and say, fix the roof. You said it had a brand new roof. Right. You know, anything that goes wrong, they just keep going back to the bank.
Starting point is 00:52:57 And who's going to side with the bank? If the bank, they go to court, no jury's going to side with Bank of America. No. They're just not. They're going to be like, no. You sold the house, you said you renovated the house, and the wire's bad, or the plumbing's bad, or the whatever's bad, and you're a bank, you're a rich bank, you should have fixed it. They're like, they would rather just take the loss to eliminate the liability. Right.
Starting point is 00:53:20 But, you know, the point is that, like, that was a great scam because even when people came looking, they just said, yeah, it just, we lost the money. It just happened sometimes. because sometimes, like, sometimes you go in the bank, you have perfect credit, you go in the bank, you borrow $20,000, you know, a personal loan, and you do it to do something. He'll go on vacation to pay back your parents who lent you money for a new boat or whatever the reason is you, to consolidate your credit cards. The point is, is you take $20,000 out, you make four payments, you lose your job, or suddenly your wife leaves you, or you're in a car accident, and you can't pay. right and it goes into foreclosure right that's not fraud no that's something bad happened right but that that's the appearance you were giving yes wasn't fraud but right but i'm saying that was like that's why they don't they weren't they didn't think they were you know scammed but in this case
Starting point is 00:54:18 like you're not going to take half a million dollars from a small business well right you're right because the customers weren't affected even though they were i i don't make sense that's what i'm saying when they, what they just said doesn't make sense. Yeah, unless somehow there's a return, there's a separate, so on a, when you're working a credit card machine, you've got your purchases and you've got your returns. So I would imagine either the machine held the amount of the returns in one area and at the end of the day she would process out all the payments.
Starting point is 00:54:54 And I guess at some point she built up the returns to like $80,000 or $100,000 and just, And then, like, she doesn't have a card worth $100,000. No. So I'm sure she doesn't have a credit card with an $80,000 balance that she's paying off. So if she put $80,000 on her $10,000 credit card, so she's got $10,000. I don't, I don't fully understand. I don't either. You know, did I tell you this?
Starting point is 00:55:19 There was a guy who was telling me a story. You know, I get guys all the time. We're like, bro, you got to hear this. And I'm like, you know, sometimes, like, honestly, If out of all, out of five, let's say I get five a week. Right. I might actually, the guy might write up an email or something. And I might think this is a potential story.
Starting point is 00:55:40 So I'm interested. And so I'll say, hey, text me or I'll text in my phone number or whatever. We'll end up on a call and we'll talk. You know, sometimes it's just like, sometimes there's just, I just wanted to tell you this story. Like they don't, they're not interested. It's something that happened to a friend. This was actually pretty good. This guy said, um, he,
Starting point is 00:56:00 knew somebody who was making counterfeit American Express black cards and what would happen is he said if you were had an American Express card he would put your real numbers on the black card
Starting point is 00:56:18 now the black card doesn't work like it's not like you can go in and buy a car like a real one or a house you can't do that right but he said like you could literally pull the card out and get into special like in in a lot of nice airports American Express has certain rooms
Starting point is 00:56:38 they have like where you can go and it's a nice restaurant it's a nice area what they call it a club club room or something at the airport you ever been in one of those? No no oh my God nice what? So in my day wow all right remember I told you how I used to
Starting point is 00:56:57 fly back and forth from Texas to Georgia when I moved to Atlanta Right I got a gold membership on I just flew Delta Because Delta's right out of Atlanta I got a gold membership That allowed me to upgrade the first class
Starting point is 00:57:12 Which allowed me to meet Tony Robbins But With that membership Came the club The gold member I forgot I forgot the name I'm saying it wrong Isn't it the air or the flight club Or the air it's got some
Starting point is 00:57:29 So I'm like, Sky Miles Club or something. They gave me, oh, this gives you access to the sky. It became a platinum. I was a gold member and I became a platinum member. And so this gives me the sky. So I go into the club one day and like there's someone there giving you free drinks. There's a spread. Cutlery.
Starting point is 00:57:52 What is it? Cutlery. Cutlery. No, the board with the meats and the cheese. Couture board or something like that I don't know I'm not that big shit I'm not that Fruit Fruit oh
Starting point is 00:58:02 Foo No they'd have like different meats smoked salmon cheese Right Like food there to eat Look and like breakfast Like if you flew in the morning
Starting point is 00:58:14 They'd have a breakfast out there I'm like this is I'm going I'm in there I'm like this is unbelievable Right So tonight it's nice You get to hang out
Starting point is 00:58:21 It's got like a office area And listen this is my 25 26 year old black ass hanging out with all these 55 60 year old rich white men you know you know just having a great time telling all kind of stories that had racial undertones but it was kind of fun always with so listen so anyway that card he said the cards were so good you could get into those clubs you could walk in and you show your card and they would like come on because it came with those whatever the sky miles club or whatever it's called yes delta delta and
Starting point is 00:58:57 And American Express, yes. So he said he would get in there. He said, not just that. He said, you could use the card. Like, if you went to buy something, you could buy it. He said, now it went on your regular card. They don't know that. Right.
Starting point is 00:59:09 But he said, and people would pay him. Like, he'd sell him for like a thousand or so dollars just to make the card, even though he's like, it's not really a counterfeit card. Like, it's a counterfeit card, but you're not using it. It's a counterfeit card. It's a counterfeit card, but you're not using it to. Counterfeit. To scam anybody.
Starting point is 00:59:26 You're not, it's not like a fake credit card. No, it's attached to my real card. And he said, so this guy, he's, this guy did this for years. And he's like, you know, think about it. He goes, it's a status signal. Like, like, you know, you pull out a card to go pay for drinks with some chick at a club. And they're like, whoa, he's got a black card. Like, you know, that's like no limits.
Starting point is 00:59:45 You could put a couple, two, three hundred thousand, a million dollars on that card. They probably get a call. But, you know, like, that's, that's impressive, right? Like, and so people would pay him and he made a ton of money doing that. Now, I don't know, that was one of these emails that I got where the guy was going, we were going back and forth. And the guy was like, yeah, bro, I listen to this. And he just told me this. I think he just told me the story and wasn't interested in coming on because it, like, wasn't him.
Starting point is 01:00:09 Right. I forget who it was. I get so many of these. I feel bad because people email me and sometimes I don't respond to them, but I get so many. And then sometimes it's like, does that require a response? Like, did he expect a response? He just told me the story. Like, he didn't, like, are you trying to come on the program?
Starting point is 01:00:26 and tell that story? Like, I don't understand. If you work at Target, you're telling me a story about a guy you once knew. I appreciate it. I appreciate it. It's amazing how far the credit cards
Starting point is 01:00:38 or charge cards have come because American Express used to be the elite card. You know, and it was unlimited. And then they started limiting it because they wanted to get more members. And they started with it. Didn't they switch to like the,
Starting point is 01:00:54 I had a blue card or something like that. American Express Blue Card. Yeah, it was actually a credit card. Yes, it was a regular credit card with monthly. So American Express, at some point, I guess the elite and millionaires, they're like, okay, y'all aren't spinning enough, and MasterCard and Visa are beating our ass. You know, I don't remember where I studied credit cards, but I remember reading it as I was frauding, but it wasn't in school.
Starting point is 01:01:23 It was just one of those things that I studied. I'm sure. but so when when on July 18th get excited this is big for the summer's biggest adventure I think I just smurf my pants that's a little too excited smurfs only days July 18th credit first of all when credit cards came out
Starting point is 01:01:46 there was just a book that would come out once a week of stolen cards and they would match up the numbers like it would go from the last number forward If it was a seven They'd go to the pages With the seven And then six And see if it was listed
Starting point is 01:02:01 In the stolen card book Right Otherwise they would So they would take the charge And Mail it in And get their check Back in
Starting point is 01:02:09 You know that's how it started off Then they had the authorization They had a machine That would call up And get authorization Because after the manual Then they could use a phone To dial it up
Starting point is 01:02:21 And all that stuff But through all of that American Express is a as a charge card stayed and the American Express card was always unlimited. It's when they started trying, when they got superseded or passed by Visa and MasterCard, they said, hey, we want that part of that market that they started doing credit cards. But they're the first ones that come up with the black card. Right. Because they had, they're the first ones to do the gold and platinum cards.
Starting point is 01:02:50 They're the first ones to do the black card. you know Capital One has a black card Now everyone Everyone follows behind American Express And what they're doing So I guess the elite The black card was by itself for 10 years And now it's a couple of them
Starting point is 01:03:06 I was gonna say I like when I first got a American Express card I would like they would tell you Oh there's no limit It was like you know like stop You're not gonna let me go spend 50 $60,000 on a card Because I had but they wouldn't I had the regular card Because what happened was
Starting point is 01:03:21 The green one? Yeah, just a regular green one. And what would happen is you'd go and I'd run it up to three grand or four grand. And at some point, they would call. This was back when they would call. Like that doesn't happen anymore. They would call and they would say, can you put him on the phone? And I'd say, yeah, what's up?
Starting point is 01:03:38 They go, hey, you know, listen, what's going on? You're up, you know, like, it was not that, you know, you're up to $3,000. You know, it's not that we're limiting you, but I'm just wondering, you know, you have a payment. Did you pay it off at the end of the month? I did pay it off at the end of the month. the month. But what happened is when you're jumping from a couple of months at 1,000 or 1,200, then suddenly you jump to 7,500, something like that. Then they call you and they just want to make sure. They'd call the merchant at the store. Right, just to make sure everything's
Starting point is 01:04:06 okay. And yeah, yeah, no, I know, I know I spent. And they go, well, can you tell me what your last transaction was? Yeah. See, people now don't realize, like, they don't get those calls. No. Like, now you don't get a call. You don't, you go, it's either declined or it's accepted. And they don't realize like it used to be. They would, sometimes it would get a call, or they'd tell them to call, they'd call, and they'd say, yes, and they go, can I see your ID? And they'd give it your ID, and they'd read it to the person. And yeah, no, it's him. It's him, okay, thank you.
Starting point is 01:04:29 Hang up the phone. And like, now people are like, that's insane. Who does that? But think about this, Matt. That was just the 90s. Yeah. Well, of course, the 90s was, what, 30 years ago? Listen, we got to the point when I had a business American Express, where we were spending
Starting point is 01:04:44 $30, $30,000 a month on it. I remember we got free. I was told Justice the other day. I remember we hired. a manager to run the broker to run consortium financial services so we hired a manager and he came on board he got like a bonus of like 10 grand he was there and he said look I still have loans to close out at the other place I was at so he said I'm going to be working on those loans but I'm managing but it won't interfere but I have to close out I got like eight loans to close out we're like
Starting point is 01:05:15 okay that's fine so he was closing those loans out for like over the course of a month or two So you're still working for the other company. And you're managing my guys, kind of, like he is. And then by about the third month, we got American Express. We were spending so much money. They gave us two tickets to the Super Bowl when the Super Bowl was in Tampa. We gave them to him. So he got free Super Bowl tickets.
Starting point is 01:05:46 He brought his daughter to Super Bowl, and a week later, he quit. You're a scumbag. And we were paying them a salary. We're paying you a salary. We're paying you to close loans for another company. You're not really doing your job. We gave you Super Bowl tickets and you quit. So can I ask why?
Starting point is 01:06:12 Like you got the Super Bowl tickets and you're like, I don't want to go. I'm not. I wasn't interested. I understood. And Dave. So you offered it to him. Do you remember the call? Did you offer it to him?
Starting point is 01:06:24 No, no. Dave Walker was my business. By this point, I was actually on probation for the first time I got caught. Right. I was running a scam. And Dave was running consortium. He'd hired a ton of people. Dave really didn't know much about loans.
Starting point is 01:06:42 And I can only kind of help so much. I'm doing this other thing. I'm also doing a development company with another guy. So, you know, I can't come there. he hired a manager and he's paying the guy you know we're paying him like I don't know what it was it was like four or five thousand a month right but he's doing that plus he's getting a percentage of all the loans that are closing so I don't know how much that was is that a few thousand I don't know but he's also closing loans at the other business place he used to work at and so had he
Starting point is 01:07:11 had he been getting his salary and getting a portion of what everybody was closing he could have been making 15 or 20 thousand dollars a month now we didn't get to that point because after he basically got the $10,000, got a couple of checks for $5,000, got another $7,000 or $8,000 from his old place he was working, got his tickets, took his daughter to Super Bowl and quit. So we never got to the point where because the place, part of his job was you got to, you got to train these guys. You have to get them motivated. Like we just hired a bunch of guys. So the point is, is that I didn't go. Dave for some reason didn't go
Starting point is 01:07:51 And you would think if you'd seen Dave You would have thought he would have been a sports guy But he really wasn't You know And so he didn't want to go And so it was like hey let's as a Let's give it to this guy like this guy We're really banking on this guy
Starting point is 01:08:07 Let's make him happy Let's and you know he was just It's funny too because When he was wondering his reaction like Oh What when he quit He took a couple of guys with him to another company.
Starting point is 01:08:20 I think they might have even started their own company. Well, here's the thing. Like, a lot of these guys were in AA. And I, what? Alcohol is anonymous, right? And they were all sober. You know, they'd been sold. But that's how they kind of knew each other, right?
Starting point is 01:08:34 So what was funny was my, was Dave. I remember, like, a month or so later, Dave said he had seen one of the guys at a meeting. And the guy just walked up behind him and patted him on the back. And Dave looked at him and he goes, you can't shove the knife in any further. And he was like, oh, don't be like that. He goes, and he just walked off.
Starting point is 01:08:55 But I was, and I remember Dave was smart. Like I was like, God, that's, that was fast. Like, Dave was fast. I had an Audi TT, Dave was six foot six. Wow. And I, and fat, like a big old belly. I remember I had an Audi TT quattro. He tried to get, he did get in it.
Starting point is 01:09:13 But I mean, you wanted to, it was like, it was like a, it was like a big old clown in one of those little tiny Volkswagen like not the like the ones where the midget cars where they shrink them down and the midgets drive around him like he just like his legs are practically sticking out like that I mean he's he could barely he's like this and his legs are up he's driving he's trying to drive my I was like bro this not gonna work David though I can get in here I can get in him what are you doing Dave so yeah anyway I just thought it was did I I didn't I tell you about the time we were
Starting point is 01:09:45 walking down the stairs. I mean, David, I was, I sure I did that multiple times. Listen, one time we were moving and this was, I had to, I know, I think I, maybe I told Jess this because I remember laughing about it and Jess was just looked at me like, what am I doing? What a mistake I've made being with you. I had, we had a half a million dollar life insurance policy on each of us.
Starting point is 01:10:09 Beneficiary, each of you? Each of us. Right. If you died of an accident, it was double. indignity. Right. So Dave, like I said, Dave had spinal pitha. You know what that is?
Starting point is 01:10:22 It's like a deterioration of your spine. So he had, like, you couldn't tell, but he was, he was in bad shape. And even, it's funny, too, this was before oxycodone and stuff, right? Like, before pill mills. Like, he was on oxies. But I knew he was on painkillers, but for his back. But I didn't think any, like, I didn't realize how bad of a problem it was. Right.
Starting point is 01:10:43 So I don't know, didn't know anything about. drugs at the time. But I do remember he would take them and he would say stuff to me and he'd say, well I'm a little groggy right now because I just took a pain pill. I'd be like, oh, okay. And I don't even, you know, I was like, oh, do-do-do.
Starting point is 01:10:59 So anyway, I remember we were walking. He had a box in his hand. Big old box. And I had a big old box in my hand. And we were walking down the staircases. Now the building we were in was built back in probably the late late 60s or early 70s.
Starting point is 01:11:15 so code now is you have let's say 10 stairs and a platform right 10 and then you have a platform which then it turns 10 stair anybody who's been to uh has been walked upstairs you know you always have the platforms this was a rear staircase in the back of the building telling you man that thing went 30 feet straight concrete really wide like you couldn't grab one rail or the other at the same time wow right now maybe dave could he was I would never be able to do it
Starting point is 01:11:45 but and Dave's walking it and I'm walking down with a box like we had just turned and he's walking and like I said he was so tall and gangly and I remember I almost tripped and I was like oh my God and if I had tripped I would have dropped the box on him and he would have just tumbled down the stairs
Starting point is 01:12:00 and I remember walking and thinking to myself if I drop this like if I lean through it on and pushed him he's already holding this thing he's going to draw he's going to go down 30 feet worth of stairs concrete stairs man that'll kill him
Starting point is 01:12:22 this dude like this is this is and i thought man i got a huge insurance policy on this guy and let's face it if it doesn't kill him like if it doesn't kill him like i tripped i'm so sorry dave i tripped like what's he going to say like i almost like i did almost trip just now oh he could be pissed but i mean but even even pissed like i tripped, I'm sorry, you could have tripped. Like, and I mean, listen, when we got down to the very end and we walked over and put the, put the, the boxes in the back of the truck, I remember, I, I, I had bought this truck. It wasn't even in my name.
Starting point is 01:12:59 It was in like a fake person's name. I bought a, like, an F-250 crew cab four by four. It was a giant of a truck. Wow. And he drove it. We put the boxes back and we sit them down there. and he looked at me as what's up and i went oh god david you don't know how close you came to dying and he goes what i said listen i i kind of almost tripped right like from behind when i was behind
Starting point is 01:13:28 you he was oh jesus i said yeah and i would have dropped that box on you he goes oh man i said yeah and then i started thinking but i didn't i said and then i started thinking if i just dropped this box on this dude he's going down those stairs and he immediately looked up of the stairs and thought And he goes, that would have killed me. And I said, I know. And the policy flashed to my head. And there was a couple of seconds there. I said, I'm sorry.
Starting point is 01:13:51 He goes, Jesus. He looked to me. He was like, you are a devious little fucker. And Dave was, I'm five, six. Dave's a foot tall. I'm like, yeah, Dave, it was horrible. I was really concerned with him. I was like, you don't know how came.
Starting point is 01:14:05 It was, there was a real argument. There was a battle. I mean, the good, the angel and devil were going at it. It wasn't, the battle wasn't over until about the halfway point where I got to that, finally got to that point and I thought, he'll survive. And listen, I went so far as like glancing around thinking, are there cameras back here? There's no cameras. I would have absolutely got away with it.
Starting point is 01:14:28 There was no cameras. And what does it matter if there were cameras? It just showed me tripping. Like, if I finally fall and hit him with the box and grab the rail, like, I'm going to be okay. I'm in good shape. He's dead. this guy's 150 pounds overweight he's massively overweight he's addicted to these pills so he looked like oh my god that would have killed oh he was like that would and i was like
Starting point is 01:14:51 whew i was like you don't know the battle you don't know the internal struggle that happened over those few seconds and i was like thank goodness yeah he was just like well thank god you made the right call did i did i make the right call well do you think that now he died eventually. I mean, he was 20 years later, but he did die of natural causes. So would that have been like, you know, he did die. He was going to die eventually. Amen. Of something. Yeah. Yeah. Why not, why not you get paid? What happened to that policy? Oh, I'm sure it expired or whatever. You know, it's, it's too bad. I'd call him maybe. Anyway, I could call him up now and be like, he died. Yeah, listen, you, it's 20 years later. You had your chance. I just, I just,
Starting point is 01:15:40 watch your podcast I saw the thing about the box we would have never questioned that I mean you you had your chance you blew it oh listen he was britt he was brittle too brittle brittle really mr. glass yeah he really because at one point he something happened and he had like a appendicitis or something and had to go into the hospital and he was in there and he actually went into a coma because when he went in he explained to them listen I'm I'm on this much oxycodone and you You cannot. Now, they wanted to take them off of it because apparently you don't heal as well if you're on opiates. It slows your, anyway, the stream of your blood going down.
Starting point is 01:16:20 Right. And so what he said was, so they were like, well, you're going to have to get off that. And then he goes, listen, I'm telling you, don't just take me off of it. If you just take me off of, he's like, I don't know what will happen. Like, I'm taking a ton of this stuff. Like, this was back before they had maximums. There was no doctor shopping yet. This is back in like 2000.
Starting point is 01:16:39 You get 90 pills from, you know who I, you remember Doc at Coleman? Yeah. I read his paperwork. Good old Doc, the girl with it on her tongue when she. Yes, they found her day. I think they over, I think they overhyped that. Actually had a pill on her tongue. Yeah.
Starting point is 01:16:58 Come on. One of the cops put that in her mouth. But go ahead. They just dropped. Yeah, we read that together. Yeah, it was horrible, horrible. Yeah. He'd come in and.
Starting point is 01:17:07 and I'll give you 90 oxies Like jeez Doc Did you Um God Do you remember the time I know I've told this story
Starting point is 01:17:22 But did you Have you told this story The story about Doc waking him up Where he would have a night Nightcare I was his celly Right But I mean did you ever tell that story on the podcast?
Starting point is 01:17:31 No Where he had So Doc was Oh yeah When I'm six Six foot Doc is a skinny, probably in his early 70s. Early.
Starting point is 01:17:41 Oh, was it late 70s? You know, he died. He died. Well, you're not shocked. His hands were turning blue all the time, remember? Oh, just warmed that up. Yeah, his hands would turn blue because he had some condition with his heart. So he's in the late 70s, tall and skinny.
Starting point is 01:18:00 He had a hawk of a nose, didn't he? Oh, yes. He had a beaker from out of his world. And he was on the, I don't remember his name. Bush. He was on the Jeb Bush case. He he prescribed his, one of his daughters, or I think
Starting point is 01:18:14 he supplied one of the people who supplied Jeb Bush's daughter. Right, right. He had written the scripts that ended up in Jeb Bush's daughter's hands. Jenna or whatever. Right. I think Jenna is George's Bush's daughter, but anyway, go ahead. So he used to, Doc used to have
Starting point is 01:18:29 night terrors. Yes. And was screaming one night. When I, and you're going to tell You had to wake him up. Yes. Yeah, I had to wake him up. He's screaming, oh, no, help. This is in a two-man cell.
Starting point is 01:18:44 Three-man, really, but it was two of us in there. Okay. So, yeah, I'm in the room with Doc with an old man that had night terrors often. And people go, those dead bodies coming to haunt you. So he's an old white man. I'm a big black guy. Right. And so in the middle of the night, he's screaming, oh, help, help.
Starting point is 01:19:05 So I'd get off my bunk and I'd have to wake him up. So the way the bunks were structured, it was three bunks. The tallest bunk is right here. So you can't sit up on any bunk. Yeah. And the bottom bunk is so low that you really can't sit down. If you're sitting down on it, your knees are like right here. Yeah, you'd have to lean way forward.
Starting point is 01:19:26 It would hit your back. Yes. And so when he's on this bottom bunk, I actually have to go down low and reach in and grab him out of the bunk. So he's screaming and I'm reaching in to help him wake him up like, Doc, get up. But I'm reaching in and I'm saying to myself, as I'm waking him up, I'm saying to myself, if a guard looked in the door. If a CEO came in right now. And saw me reaching in, grabbing this guy and he's screaming for help.
Starting point is 01:19:58 They're like, get your hands off that fragile man. Well, what, didn't you say one time you, you would wake him up and he'd roll over like, what? Yeah, like, what's going on? Yeah, like, what's going on? What, what do you want? Why are you waking me up? Insane. Like, he used to have the ones about his, his wife trying to put him in a fire or something.
Starting point is 01:20:17 Yes, he told me. Those are the nightmares he told me about that she was like, she, I can't really remember that. Oh, Doc, Doc was the biggest heart in the world, but just like angry, angry, I guess, angry old white guy. But he had the huge, like, he'd buy you, if you needed something, he'd ask, what do you want from commissary? You could have anything that belonged to him. And super smart. Like, you could walk in and just ask him. He was like, he was like, you could walk in and say, yeah.
Starting point is 01:20:47 Hey, Doc, what's up with such? And so, oh, you know, that happened. And that was the gold standard. Let's see. That was 1970, such a thing. Now, here's the issue with that. And he would just, you could just listen to him for an hour. He just tell you everything.
Starting point is 01:20:59 He got caught up in the pill mill. Yeah. And he, it's funny. too because this is a guy who got he used to say he had a life sentence but really what did he have 30 30 years which was a life sentence for him he was 75 78 but it wasn't even he paid he paid like over quarter of a million for his legal team who was that conrad black was it conrad black paid 200 million oh doc paid like 250 000 i'm sorry conrad back black paid conrad black i was thinking roy black i'm sorry the lawyer lawyer lawyer
Starting point is 01:21:32 is in Miami, Roy is Roy. Yes. Sorry. Conrad Black was at the low. He paid 200. Conrad Black had five law offices on complete retainer. $200 million worth the law, right? And his whole thing was I can't, I still can't get justice with $200 million.
Starting point is 01:21:53 Like that's like you fart and they're like, you want us to sue him? No, no. It's right. It's gas. I'm okay. I was going to say Jeb I mean the Doc thing
Starting point is 01:22:06 I'm gonna remember his name He was there for It wasn't even for like Distribution of the drugs He got the time Was actually for like Medicare Or something like that wasn't it That's what was so weird
Starting point is 01:22:19 That's right Like they hammered him for Like couldn't really Because the drug was legal Right they couldn't really get him For prescribing the For But they did
Starting point is 01:22:29 I mean, they did, but that's not what he got the time for. Well, it was the Medicare fraud. They blasted him on the Medicare fraud. Like they ballooned up the numbers. They said, okay, well, we can't get them on this, but we can get you on Medicare fraud. And you know how they get them on the Medicare fraud. Because he thought what he was doing was legal. Right.
Starting point is 01:22:48 That's a big problem. I don't know if you've ever seen the stuff on the pill mill guys. But the pill mill guys, the U.S. attorneys are like, what's interesting about arresting these guys is that usually if you were, arrest a drug dealer as soon as you get in there like he knows he's a drug dealer so if you're negotiating with him you're negotiating with someone at least we both know you're a drug dealer i'm the u.s attorney you have to go to jail what you did you know what you did was wrong right he said but with the doctors the problem is when they if they plead guilty or whatever you spend half the time just explaining to them what they did was illegal he's like because
Starting point is 01:23:25 they don't want to admit that what i did was illegal and look in my opinion, I'd say 90% of those doctors that are in there, like, it's not illegal. Like, they, they would get some of these guys. Well, it must, it must have been a gray area. It is a gray area, but for them that, you know, the, I never understood it. Well, well, I was, like, so Medicare was covering that, wasn't it? Right. But here's the problem with the medic. Well, no, it wasn't even that. Like that, like those, the drugs had nothing to do with Medicare. They just went in and said, so I knew a guy that did that, that this happened to with, with that they were reading it. Go ahead. went in and when you go to Medicare you have like four different levels you can bill at and you would
Starting point is 01:24:07 bill you would say okay so there's a there's the number one is where you walk in they just talk to you and you prescribe them something or you don't prescribe them something and there's never an examination right that's you bill them let's say $90 for the visit but then you have the second tier where it's a cursory and whatever and then it's it's second level you get a hundred and something for that and then for a little bit more it's when you do an examination and then there's a top tier where you do an examination and you take blood or you do whatever right well a lot of doctors would come in and they talk to the person and then they'd bill at the third level like and they'd write it up like I gave him an examination this and this but
Starting point is 01:24:48 the truth is based on what happened what he said you didn't need to give him an examination right you're checking the box so you can charge at the third level well I'm gonna tell you what's Because I specifically remember this for Doc's paperwork is he would, they would give him their Medicare number and he would bill it. He wouldn't verify. So you might be able to go in there with your aunt's Medicare number. Right. And just give me the number.
Starting point is 01:25:13 He wouldn't verify it. Okay. I remember one of the people that the guy that said that he just touched his neck a couple of times and gave him a prescription for 96 pills. And he billed like Medicare like a few thousand dollars. My neck hurts. Oh, yeah, yeah. No, no, we need, you need the max.
Starting point is 01:25:31 Yeah. 96 pills. Would you like some Xanax with that? Of course. I like to throw in some Xanax to kind of, you know, smooth that. Take the edge on. That's crazy. Poor Doc, man.
Starting point is 01:25:44 Yeah. Died and, died in, uh, he died, um, I left in 12. He died and, I looked him up once. That's why I'm dying. I can't, once I, when I got out the first time I looked him up, I had a bunch of names written down and I started looking people. I had a ton of them. Like people, whenever I left any institution, I had all the people who I knew, I'd write their name down and then I'd look them up when I got out. And Doc was one of them and he died. He died in like 15, 2015. Yeah,
Starting point is 01:26:15 I have people like that. I look up every once in a while. I look up Red Bull. There's a guy named Red Bull. Andrew Levinson. So I look him up every once in a while and see where he is. Is he out? No, he's still in prison. he's another one that went to trial like they probably offered him like two or three years and I'm not doing that and he went to trial and got like 15 or 16 years he was like somebody was just telling me the other day about somebody that ran from the police took him on chases and got offered seven years and like I don't know I'm not taking that crap he was dealing drugs and then they ended up giving him life and he's been in this is state he's been in jail for 12 years fighting it fighting to get the life off when they offered to him to seven. You know, like, that's the weirdest part is when whatever conviction you have at the arrest, like, I'm going to trial, motherfuckers. No matter what. Here, well, here's a deal of seven years. Listen, F you, I'm going to trial. Right. Right. And then you lose. You get life. And then on the eighth year, like the regret has to be like just sitting, sitting there like,
Starting point is 01:27:27 Hey, like, I'm regret. Like, hey, man, how you doing? Look at it like, you, you son of a big. Probably be in the halfway house right now. God, you'd be home. Like, I just, I'm just here to remind you you would be home right now. I mean, I'm just.
Starting point is 01:27:43 I used to love the guys. I used to love the guys that would say. I'd say, why'd you go to trial, bro? And they go, they go, well, you know, I reserve my rights, though. You still got 10 years. They offered you probation. You got 10 years. That's the low talking.
Starting point is 01:27:58 Yeah. People, that is the low talking because the people I talk to, it's like, okay, you're never getting out. What do they initially offer you? They initially offered me five years. That was 20 years ago. Oh, God. Oh, they gave me 10. Aw.
Starting point is 01:28:19 What happened to John Gordon? We need to find out. Oh, man. I, I, I, I, I, like, we found him. Remember we found him on Facebook or something and we sent him? And he didn't respond. No, what a jerk. Well, I don't, you know, John Gordon gave me to spiel that one day he wanted to leave.
Starting point is 01:28:37 He told me that when he got out, he didn't want to talk to anybody from prison. He said, he said, no offense. But when I get out of here, I don't want to talk to anybody. But I'm sure you can't hold that conviction forever. The funniest guy I've ever come across. I had a perfect story for him earlier. I didn't get a chance to tell it when he was telling us. about one incident he gave the oh yeah I did the intended loss oh yeah yeah he's like oh
Starting point is 01:29:04 you intended to get all that money yeah um but um he gave the best examples at all times he would write he would write um motions and say ridiculous stuff like he would always throw in something like you know you know that doesn't even you know it doesn't make sense that's the equivalent of I steal an ice cream truck. So I'm driving at the ice cream truck and I hit a tree as it was and it would just be this outlandish ice cream truck clown
Starting point is 01:29:34 you know like I run and I hit a clown does that mean that I'm responsible for the and it'd be like well there's clowns and ice cream trucks and what are you doing? And he was a metaphor king he was like John Gordon was awesome one of the most awesome people to meet there besides us I guess you know
Starting point is 01:29:54 Yeah, he was good. Oh, man. Do you remember when he said he was talking about his daughter? He was talking to his daughter on the phone one time. And she go, yeah, and she was like, oh, my God. And she was complaining about something about her school or whatever. He's like, well, would you like me to teach you? You know, when I get out, I can teach you algebra.
Starting point is 01:30:12 I can teach you. I'll be, you know, you'll be about the age. Well, I'll teach you math. Are you listening? Baby, I'll teach you math. And she goes, I, would you like that? And she goes, I don't know. I don't even know you.
Starting point is 01:30:23 and he said he almost dropped to his knees he said listen it was like getting hit by a baseball bat in the gut did you not hear did you hear what winter said here no because i went outside because you guys were going you did you hear that she said the same thing she's like oh no i heard that when she was like she was scared when she came in and kind of was when i came when i came home she's like i don't know this guy right like you're just a guy i remember when you told me that she said and she said that's when she was really angry yeah You told me that when you were out And I was like, how is that going?
Starting point is 01:30:57 And you were like, bro, the other day she told me like, I don't really even know you. Yeah. And you were like, wow. But I mean, let's, you know, I don't think that you know, probably know anybody that much better. Like to me growing up with my dad, like I saw him, but we've never had any real interactions.
Starting point is 01:31:16 Almost never. It was, he was almost like this guy that sat in the den. And I had a relationship with my mother. And periodically, once or twice a, once or twice a month, she would say, I don't know, let's go ask your father. And we would walk in and I would stand there and she would explain the situation and he'd go, he'd look from his book or his paper with a cigarette. And he'd go, that's fine. That's fine.
Starting point is 01:31:42 Is that what you want to do? Yes, sir. Yeah, that's fine. I don't have a problem with that. Right back to the paper. And you're just like, like that was the relationship I had with him. So, you know, so I, but so I, to me, I, had I, had he not been in the house, I almost feel like I could say, I don't know you. Like, I don't know.
Starting point is 01:32:00 I didn't know him until I was, until really I graduated. I got older. So what if I disagree with you on that? Well, I could because I'm in the house. At least I'm in the house with them. Well, true, I disagree with you because you impersonated him. What do you mean? You told me a time when you would do impersonation.
Starting point is 01:32:17 Oh, yeah. And they'd go, Matt, do dad. Oh, God. And he goes, yeah. Yeah. I observed it. Yeah, I would observe him. So I definitely, that's what I'm saying.
Starting point is 01:32:26 I was in the house. And you said you did the impersonation and he didn't even laugh. He's like, no, he did. He said, he goes, he didn't laugh, but he goes, that's pretty good. Yeah. He used to, he used to always do it. But yeah, I observed him. So I guess, you know, you could say I knew him, but I didn't have really any interactions with him.
Starting point is 01:32:42 But I could watch him. His big thing was, um, was Jesus. Jesus. Christ, Margaret. The hell are you doing? Yeah. And he just, everybody was an idiot. Yeah.
Starting point is 01:32:54 He was, to me that was, so like I didn't even get into this the last video, but that was the part that I wanted in a relationship, because in a relationship I had with my dad was pretty close, is I wanted Winter to know, like, what I'm thinking. And like, I wanted to be close enough to where she would make the thoughts of, oh, I already know what you're thinking, dad. Right.
Starting point is 01:33:19 You know, and we've actually kind of gotten to. to that point, even though we're kind of distant, but she does kind of know what I'm thinking sometimes. She'll tell me, oh, I only did that because I'm sure that's what you wanted me to do. You know, and I'm like, okay, that's cool. That comes to me, that was the threshold I thought of getting to know someone.
Starting point is 01:33:40 Impersonation is, to me is the ultimate compliment of knowing someone. Because if you impersonated, like when you told me that story, I thought I'm like, man, Because I, like I told you, when I went to jail, I thought I was a horrible dad. I kept saying, I am a horrible father. I'm a horrible. So, like, I'm going to have to work from that point.
Starting point is 01:34:00 I got to work. Right. From being a horrible dad, you know. And I see you're getting upset because I know what you're thinking about. What? Your son? Oh, no. Yeah, that's that.
Starting point is 01:34:10 He's gone. That's over. And that hurts. Yeah. Yeah. Yeah. I don't, I, I don't even think about him that much anymore because now I'm at the point now he doesn't even respond to my to my um my texts well here's the last i was it was i think it was
Starting point is 01:34:28 christmas or thanksgiving and kela my my ex-wife said do you and jess want to come over for thanksgiving or something like that and i said um yeah won't casby there and he always says like if he shows up i'm leaving and she goes yeah but i thought it'd be an opportunity you could text him and you could you could ask him if he would be okay with it and i so i texted him. I said, hey, what are your thoughts on me coming by with my girlfriend and having Thanksgiving dinner with you guys? And his response was, find something else to do. Find someone else to have, yeah, find someone else to have a Thanksgiving dinner with. I want to say it was Thanksgiving or it was New Year's. Find something else to do with your New Year. I mean, that was it. Keep in
Starting point is 01:35:14 December, every day I send people a Christmas song. I didn't get one. Oh, that's right. Never mind. So. Yeah, yeah. So I was sending
Starting point is 01:35:30 him every single day. And, you know, so, and I know he gets them. Like, you know, because I'll talk to, you know, Kayla and she'd say, hey, have you, you heard from, you know, you heard from Matt lately? He'd go, well, nobody sends me these damn songs every day. What's wrong with this guy? When's he going to get a hint? Like, it's just, you know, she's like, you know, she's like, you go.
Starting point is 01:35:50 could block him. He's like, no, I should. I should, you know, but he doesn't. So we'll see. That's, that's, that's an opening. That's, that's an opening. Please. That's, it's, it's, it's, it's, it's hard. It's weird. It hurts. You know, but I like, I just, for me, I just endured. I said, okay, like, okay, beat it, beat it. Get it out of you because it's it. Cause if, if, if he didn't want to hear from you, he'd block it. Listen, it went on forever. Like, there was like, I was texting him like every day, every other day. And it was. nothing but just vile coming back you're a piece of garbage you're a scumbag you're this you're that and I would come back and I'd say I love these little talks we have and he's like fuck you you know and then I one time I remember he was we were we were going back and forth and I said and he's
Starting point is 01:36:37 like you know you this you're that you this and I go I mean I said listen I get it you're upset I said but let's be honest if I'm half the person that you think I am I said do you really think that these insults are going to affect me in any way. I mean, let's be honest. You have too many great lines. I mean, sometimes you've got to let them know.
Starting point is 01:36:56 Do you really think that I'm on the ground crying right now, my eyes out because, you know, if I'm the person you think I am, this doesn't bother me. Like, you know, if I can have,
Starting point is 01:37:06 those are great lines. Listen, if every two weeks I can have a guy to go see my mom say, you know, strip your clothes down, bend over, spread your cheeks, let me look in your asshole,
Starting point is 01:37:15 you know, then basically it's like, you can't humiliate. I can't get you think you think you're going to get to the next level that beneath me yeah you got to get to the next level all right let's roll I got to get out of here all right what are we doing outro outro oh and Ed I don't like the word that the term intro you know like outro is okay you know that that was a movie that was a yes that was a weird weird British
Starting point is 01:37:47 sex like it was British you know like back in the 80s British movies had a lot of nudity in them that was a weird movie called outro swear to look that up
Starting point is 01:37:59 you know what I want to watch for poor jazz bro I make her watch horrible movies some of the movies where I'm like this is an amazing movie let's rent it and then we rent it
Starting point is 01:38:07 and I'm like that movie was horrible like I remember that movie being Space Odyssey 2001 if you watch that it's fucking three and a half hours long it's horrible is it?
Starting point is 01:38:19 I don't think I've ever seen it I just hear about it Because everybody says how amazing it is And it would be amazing I want to re-edit it I told just I said I wish I had this kind of time Because I would like to take that
Starting point is 01:38:30 And trim off an out Maybe it's maybe it's two hours And 40 minutes There's a three hours Anyway I could trim off two hours Of that movie And it would be amazing The problem is
Starting point is 01:38:41 They built these elaborate Models And instead of saying Hey we're going to build it We're going to show you a quick clip, like a normal movie. They take you through. And they play the music. And it's like, oh, wow, they are proud of this.
Starting point is 01:38:54 Oh, they're proud. Oh, they're, are you serious? Is this a minute and a half? Are we? Oh, my God. They're still going. No. They take you through the hallways of it.
Starting point is 01:39:05 Yes, I remember that. I did see part of that movie. The concept is great. And if you trimmed it down to where it was an hour and 20 minutes or maybe just an hour and 10 minutes, it would be a good movie. How was the. computer space odyssey yeah yeah you mean how h a l right yeah it's uh what did i say how you said the computer space odyssey no i said how was the computer oh and you said you mean how i'm like yeah
Starting point is 01:39:30 i'm sorry i didn't hear that um um yeah i'm sorry dave i can't do that how open the pod door's how open the pod door how i'm not going to argue with you you know richard prior did a spoof on that oh god it's so good open the odd doors out so another one i was thinking of the pod doors out so another one i was thinking about renting was Brazil. Do you remember Brazil? No. It was a British movie called Brazil just about bureaucracy
Starting point is 01:39:56 and like literally like somebody they punch in the wrong number and ruin this guy's life and it's like the whole movie. What do you mean? Like somebody punches in the wrong number and they decide this person's like a criminal and then so like the police come
Starting point is 01:40:10 and they chase him and they it's a whole I think I have the premise right? It's like the whole and it's basically like saying look because you know bureaucracy is so the bureaucracy is so overblown there was no way to even correct the mistake so they torment this guy his whole life because somebody punched it in a six instead of a three
Starting point is 01:40:30 you know that kind of thing so and it's just about how it's just overblown society is and how overbuilt everything is but I would love to watch that movie because I think I I may have it wrong somebody in the comment section will be like you're an idiot that's not what it's about at all but the point is I remember watching it once and remember thinking wow this is a great movie but i'd love to go back and watch it and i'll probably be wrong i'll be like it's not what it's about and it's a horrible
Starting point is 01:40:55 movie you know it's a great movie to watch that you would think is a horrible movie it's casablanca if you watch casablanca you don't even know it's in black and white bro it's such a great movie i don't think i've ever seen that one either and when you watch it you'll realize like as they're talking you're like oh my god There are so many amazing lines that you know the lines. You just don't know where they're from. Like there are all these, you know, round up the usual suspects. Casablanca.
Starting point is 01:41:27 What was another one is? Played again, Sam. Yeah, I know that's from Casablanca. This is the start of a beautiful relationship. Yeah. Like, there's like, as they go, there's the first ones that come in mind. But as you watch it, you're like, wow. That is, wow.
Starting point is 01:41:41 Is it a love story or is it a detective? We'll always have Paris. Yeah, I remember. Yeah. Like there's like like like you go and you're like oh my god Like there's all these amazing lines Of the movie I'm dying to see is um Close Encounters of the third guy
Starting point is 01:41:56 May Jess watch it the other day That was a matter of fact I think I bought it I might have rented it because I that was a good movie It was a great movie Yes it was um You realize how just bad the sets are and stuff You kind of realize like But what about when because I want to see when he made the
Starting point is 01:42:11 So like I just wanted to There were parts because I've only seen it once I'm gonna take another movie I've only seen one time that I wanted to go back and check out I saw it on Netflix AI That was horrible
Starting point is 01:42:23 In the film In the theater It was horrible It might be amazing now It The con It was one Kid who thought he was real
Starting point is 01:42:34 Yes They built him so that he Would think he was real No he No no He felt he was in love He actually Connected with the mother
Starting point is 01:42:43 Oh yeah Remember And he was like And then they, then, because her son, her son was in a coma. And then he comes out of it. And they don't really get along. And so he was supposed to be a brother. God, it's been so long.
Starting point is 01:42:57 I haven't. I only saw that once. You know what he was? He was like a, who was the robot? What that wasn't Johnny Depp, was it? The robot that was the lover. He was the, the Jude Law was. Jude Law was, that's right.
Starting point is 01:43:08 He was the Gigolo robot. Hi, ladies. Hold on. Did I, did I buy? Where did he? Oh, man, I wanted to see that movie again. I saw it one time.
Starting point is 01:43:20 I think it was a prison movie or something. Like when I first went to prison, like at Coleman. Oh, bro, listen to the movies I have. Let me tell you. Let me read my movie list.
Starting point is 01:43:31 Okay. Valcuri with, right, with Tom, with Tom Cruise. Oh, yeah, yeah,
Starting point is 01:43:38 yeah, of, yes, yeah. Any given Sunday. That's a good one. Any given Sunday? Yeah.
Starting point is 01:43:45 It's amazing. No. Have you seen it? Yes. I own it. I own it. Okay. Moonfall. Horrible movie. This is recent. Oh, Outlander. No, Outland. It's just called Outland. Sean Connery is a like a police officer on, on, um, uh, uh, Io, which is one of the moons around Jupiter and they're mining. Um, the Martian. Oh, with him with Matt Damon. With Matt Damon. Yeah, those plants. Ah, that was, that was all right. That's like gravity. I loved gravity.
Starting point is 01:44:20 Okay, look, wait, old. That's a, uh, shine, lawn, what's his name? The guy that did, uh, the seven, the seven cents, or seven cents or something like that. Oh, yeah. Shiloh LaBuff or something or what was his name or Shylock, night, night something. I can never say his name. Anyway, um, a baby, uh, baby driver, solo. Oh, wait, the road.
Starting point is 01:44:45 Solo. The road. Do you remember the road? That was a book. I read that book. Is that a movie? Of course it's great. Not as good as the book, obviously.
Starting point is 01:44:55 That's the guy that did no country for old men. Escape from New York. With Kurt Franklin. Kurt Russell. Kurt Russell. Planet of the Apes, 1969 or 68 version. The original. Ooh.
Starting point is 01:45:14 The big short. Layer cake. Great movie. Lord of War. Reddick, the Chronicles of Reddick. Reddick. Dune, the new one. The last of the Mohicans.
Starting point is 01:45:31 Wait. Four weddings and a funeral. It's a great movie. Live, die, repeat, edge of tomorrow. That is actually my favorite movie. Which, which one? Live die, Edge of Tomorrow. It's a great movie, right?
Starting point is 01:45:44 Tom Cruise. Yes. I forget the chick's name. She's amazing looking. A star is born. I have something on my face. Go ahead. A star is born.
Starting point is 01:45:53 I may just watch Harry met Sally when Harry met Sally. Oh, that's a good move. It's good man. Seven. Oh, that's classic. Have you ever seen that? The cult classic. Oh, my God.
Starting point is 01:46:06 Morgan Freeman and at their best. Yeah. To me, the worst part is when Brad Pitt's acting like he's crying. What's in the Bob? I thought that was, I thought he did a horrible job. It's like, come on, Brad. Brad, do that again, man. And that was horrible.
Starting point is 01:46:21 I thought it's a great movie. What's in the box? Watch how he says that line. Have you seen it? Yeah, I own it. Watch how he says that line. Watch how he says that's the worst acting ever. Jack Reacher.
Starting point is 01:46:35 Wait, night and day. You ever seen that? Oh my God, yes. Are you a Tom Cruise fan? He's pretty good. He's like five foot seven. That is a hilarious movie. We got Guardians of the Galaxy.
Starting point is 01:46:48 Yeah, I like that one. Alien. The second one? No, this is, well, I have Alien the first one. And this is Covenant. Covenant? Yes. And then I got hustlers.
Starting point is 01:47:01 Wait. I haven't seen that one. Hustlers. Yeah, it's got Jennifer Lopez in it. It's a true story. Fight Club. What's the one rule of fight club? There's one that I can talk about it.
Starting point is 01:47:14 Romancing the Stone. You broke Of course Joan Joan Wilder Yeah Joan Wilder Wait
Starting point is 01:47:22 Uh um Um Uh Uh Socaro Socaro Uh Socaro
Starting point is 01:47:29 Uh The Day of Salah I don't fuck it Now I can't read What was a Romantic in the stone What was the follow up?
Starting point is 01:47:36 Yeah There wasn't a second one Wasn't there Jewel Was it Jewel of the Nile? No Wasn't there a second one? Yeah
Starting point is 01:47:41 I think it was Jewel of the Nile What about the Blade Runner? Oh Blade Runner. Man, I'm glad he said that. 2049.
Starting point is 01:47:50 You know what? I've been meaning to watch that Blade Runner was a good movie. Yeah. When they're doing all those interviews of the robots. Yeah. Like, yeah, that was Harrison Ford. I got Thor. I got Inders game.
Starting point is 01:48:06 Nah, no. Harrison Ford was in that too. The grumpy old man. What about American Made? Tom Cruise. I have a lot of Tom Cruise. It's weird. Can you close this out so I can just go without him closing it out?
Starting point is 01:48:19 I can keep going, bro. I love movies. I keep going. Well, I got to, because I got to pick up winter and I got to. World War Z. Oh, yeah, I don't think I've seen all of that yet. Oh, bro, you got to watch it. It's, it's, it's, it's, it's, it's, it's, it's, it's, it's, it's, it's, it's, it's, it's, it's,
Starting point is 01:48:32 way, I like my zombies, or wait, I like my zombies slow. You don't like the fast zombies? I like the idea that maybe I can make it. I'm not beating these guys. There's no way. All right. See, I got another miss call. Oh.
Starting point is 01:48:46 All right, hey, I read what she says. Who's this? Tammy. She's going off. I thought it was your day off. Bro. All I pray for is to come here and not deal with that. I don't.
Starting point is 01:49:01 Listen, I know how to not deal with that. Yeah. Okay. Hey, it's Matt Cox. Edit that too, please. No, don't. Did you see that? Yes, I did.
Starting point is 01:49:12 Damn, that's freaking Popeye. That's, that's, um, that's, um, TH, TH, TH, T-H-T. So, all right. Hey, it's, Hey, it's Matt, yeah, Buff, exactly.
Starting point is 01:49:27 I want to say it's not too late, but it is too late. All right. Hey, it's Matt Cox. Why am I saying it's Mac? All right, listen, I appreciate you guys watching. Check out my trailers for my book.
Starting point is 01:49:41 Please join my Patreon. It's like 10 bucks. It's nothing. It's $10. All these guys leave comments in the comments section. Like, bro, you're awesome. You're so cool. You're that it's $10.
Starting point is 01:49:53 It's $10. It's, you know, like, you're not even going to miss it. All right. I appreciate it. Thank you for watching. Check out Zach's channel. Also, Zach has a cash app that you can donate to. The link is in the description.
Starting point is 01:50:09 The link is in every single description of every video on his channel, which is called, which is Black Zach. Also, the link to, Black Sacks channel is in the description. I really appreciate you guys watching. Thank you very much. I have a bunch of books. Check out my books. They're amazing. It doesn't sound like I'm being humble. Thank you. Using forgeries and bogus identities, Matthew B. Cox, one of the most ingenious con men in history, built America's biggest banks out of millions. Despite numerous encounters with bank security, state, and federal authorities. Cox narrowly, and quite luckily, avoided capture for years. Eventually, he topped the U.S. Secret Service's most
Starting point is 01:50:57 wanted list and led the U.S. Marshal's FBI and Secret Service on a three-year chase, while jet-setting around the world with his attractive female accomplices. Cox has been declared one of the most prolific mortgage fraud con artists of all time by CNBC's American Greed. Bloomberg Business Week called him the mortgage industry's worst nightmare, while Dateline NBC described Cox as a gifted forger and silver-tongued liar. Playboy magazine proclaimed his scam was real estate fraud, and he was the best. Shark in the housing pool is Cox's exhilarating first-person account of his Stranger Than Fiction story.
Starting point is 01:51:43 Available now on Amazon and Audible. Bent is the story of John J. Boziak's phenomenal life of crime. Inked from head to toe, with an addiction to strippers and fast Cadillacs, Bozziac was not your typical computer geek. He was, however, one of the most cunning scammers, counterfeiters, identity thieves, and escape artists alive, and a major thorn in the side of the U.S. Secret Service as they fought a war on cyberprime. With a savant-like ability to circumvent banking security and stay one step ahead of law enforcement,
Starting point is 01:52:18 Boziak made millions of dollars in the international cyber underworld, with the help of the Chinese and the Russians. Then, leaving nothing but a John Doe warrant and a cleaned-out bank account in his wake, he vanished. Boziak's stranger-than-fiction tale of ingenious scams and impossible escapes, of brazen run-ins with the law and secret desires to straighten out and settle down. makes his story a true crime con game that will keep you guessing. Bent, how a homeless teen became one of the cybercrime industry's most prolific counterfeiters. Available now on Amazon and Audible.
Starting point is 01:52:54 Buried by the U.S. government and ignored by the national media, this is the story they don't want you to know. When Frank Amadeo met with President George W. Bush at the White House to discuss NATO operations in Afghanistan, No one knew that he'd already embezzled nearly $200 million from the federal government. Money he intended to use to bankroll his plan to take over the world. From Amadeo's global headquarters in the shadow of Florida's Disney World, with a nearly inexhaustible supply of the Internal Revenue Services funds, Amadeo acquired multiple businesses, amassing a mega conglomerate. Driven by his delusions of world conquest,
Starting point is 01:53:35 he negotiated the purchase of a squadron of American fighter jets and the controlling interest in a former Soviet ICBM factory. He began working to build the largest private militia on the planet, over one million Africans strong. Simultaneously, Amadeo hired an international black ops force to orchestrate a coup in the Congo while plotting to take over several small Eastern European countries. The most disturbing part of it all is,
Starting point is 01:54:03 had the U.S. government not thwarted, his plans, he might have just pulled it off. It's insanity. The bizarre, true story of a bipolar megalomaniac's insane plan for total world domination. Available now on Amazon and Audible. Pierre Rossini, in the 1990s, was a 20-something-year-old, Los Angeles-based drug trafficker of ecstasy and ice. He and his associates drove luxury European supercars, lived in Beverly Hills penthouses. and dated Playboy models while dodging federal indictments. Then, two FBI officers with the organized crime drug enforcement task force entered the picture.
Starting point is 01:54:46 Dirty agents willing to fix cases and identify informants. Suddenly, two of Racini's associates, confidential informants working with federal law enforcement, or murdered, everyone pointed to Rossini. As his co-defendants prepared for trial, U.S. Attorney Robert Mueller sat down to debrief Racini at Leavenworth Penitentiary, and another story emerged. A tale of FBI corruption and complicity in murder. You see, Pierre Rossini knew something that no one else knew.
Starting point is 01:55:20 The truth. And Robert Mueller and the federal government have been covering it up to this very day. The devil exposed. A twisted tale of drug trafficking, corruption, and murder in the city of Angel. available on Amazon and Audible. Bailout is a psychological true crime thriller that pits a narcissistic con man against an egotistical, pathological liar.
Starting point is 01:55:46 Marcus Schrenker, the money manager who attempted to fake his own death during the 2008 financial crisis, is about to be released from prison, and he's ready to talk. He's ready to tell you the story no one's heard. Shrinker sits down with true crime writer, Matthew B. Cox,
Starting point is 01:56:02 a fellow inmate serving time for bank fraud. Shrinker lays out the details. The disgruntled clients who persecuted him for unanticipated market losses, the affair that ruined his marriage, and the treachery of his scorned wife, the woman who framed him for securities fraud, leaving him no choice but to make a bogus distress call and plunge from his multi-million dollar private aircraft in the dead of night.
Starting point is 01:56:26 The $11.1 million in life insurance, the missing $1.5 million in gold. The fact is, Shrinker wants you to think he's innocent. The problem is, Cox knows Shrinker's a pathological liar and his stories of fabrication. As Cox subtly coaxes, cajoles, and yes, Khan's Shrinker into revealing his deceptions, his stranger-than-fiction life of lies slowly unravels. This is the story Shrinker didn't want you to know. Bailout. The Life and Lies of Marcus Shrinker.
Starting point is 01:56:58 Available now on Barnes & Noble, Etsy, and Audubes. Matthew B. Cox is a conman, incarcerated in the Federal Bureau of Prisons for a variety of bank fraud-related scams. Despite not having a drug problem, Cox inexplicably ends up in the prison's residential drug abuse program, known as Ardap. A drug program in name only. Ardap is an invasive behavior modification therapy, specifically designed to correct the cognitive thinking errors associated with criminal behavior. The program is a non-fiction dark comedy which chronicles Cox's side-splitting journey. This first-person account is a fascinating glimpse at the survival-like atmosphere inside of the government-sponsored rehabilitation unit.
Starting point is 01:57:47 While navigating the treachery of his backstabbing peers, Cox simultaneously manipulates prison policies and the bumbling staff every step of the way. The program How a conman survived the Federal Bureau of Prisons cult of Ardap. Available now on Amazon and Audible. If you saw anything you like, links to all the books are in the description box.

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