Matthew Cox | Inside True Crime Podcast - Master Criminals Critique the World's Dumbest Scammers
Episode Date: June 27, 2024Master Criminals Critique the World's Dumbest Scammers ...
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more. They're going to end up
with pulling a scam for 80 grand.
They really won up to you. If this
had worked. Think about it. I would never.
I really want a cigarette, though,
please. Sir, please.
Oh, she's breaking down. You want to talk to me, that's fine.
We want to talk. We really want to
Listen.
This is the money that you took out a couple hours before.
I never took it out.
Hey, I'm here with Zach.
He is a former scammer who's done several bank fraud scams, which is disgusting behavior on his part, that someone would do that.
But it's good entertainment to discuss.
Yes, but there is a viral video or a video that's going viral on YouTube, which is body cam image of a Tampa police officer who
showed up to arrest a woman who was running a scam in a, looks like maybe a credit union or a bank
or something. Anyway, they get her in the bank. So we're going to review the footage and kind of break
it down what I think is happening and what Zach thinks is happening. And Zach's wrong.
Aren't you going to tell me that you're accusing it of being? I think it's a form, a version of the
wasn't me scam. It's a version. It's a version of the wasn't me. I think it is. It has nothing
to do and just so just so it's clear of what wasn't me is it's one of those the wasn't me is where
I would actually take my own money right and then just tell the bank that wasn't me that took
my own money right in order for them to give the money back right that that's the gist of the wasn't
me right so I'm going to get a little bit so what what Zach would do is he would that's the
minor scale that's a yeah that's not that's not good enough so listen what
Zach's, one of Zach's scams was Zach would have someone go open up a bank account using a fake
ID.
So they would open up a bank account.
They would, he'd then put like $10,000 in the bank.
Then when they got the debit card mailed to them, they would, Zach would clone it, go,
he'd mail it several states away.
Someone would walk into, let's say, a post office and they would use it at the point of sale.
And they would buy, let's say, $10,000 worth of money orders.
he would then call the person who had opened up the bank account and say go in the bank
and try and get out $200.
So they would walk in the bank and they'd say, hey, I need to get out $200.
The teller would pull up their account and say, wow, you don't have, you have like,
whatever, $12 in the account or whatever.
They have almost no money in the account.
And they'd say, what are you talking about?
I didn't, I have $10,000 in that account.
They'd do.
No, it was just removed.
When?
30 minutes ago.
Where?
And they go, hold on.
in Tampa, Florida, in a, you know, from, looks like a, you know, some kind of like a post office in
Tampa, Florida. And they go, oh my gosh, well, that wasn't me. I didn't do it. We're now,
they're in Ohio. They're in, oh, I'm here. You know, that's five hours away. And they go,
do you have your debit card? And they go, yeah, it's right here. Five hours away by plane.
By plane. They'd be like, I got my debit card right here. And they'd be like, oh, my gosh, go see
the manager, Sally. They go see Sally, say, look. And Sally would pull it up and say, oh,
Wow. Yeah, there's no way you could have done this. Okay, we're going to return your money. They'd return the $10,000. They would then take the money out and close the account. So that's the wasn't me. Because technically, by law, if money is removed from your account that you're saying you didn't have anything to do with, unauthorized, then the bank by law has to give you the money back. So that was the scam. I think that's what's happening. A version of that scam is what's happening here. Zach is saying that's not what's happened.
But part of the funny thing about the video is the way the woman is behaving when she's arrested.
She's trying everything to figure out some way to back out of this.
How are we going to take?
Can I hang up my phone with her?
Can I just get, do you, does that give you flashbacks to those moments of happening to you?
Like, like, like, I'm just like, ugh, oh, oh.
I wake up and
Oh, that heat, that heat, that sickness that comes up from your stomach
into your chest.
Yeah.
That you try not to display on your face.
You want to look puzzled and confused like, what?
When really everything's like, run!
Oh, I sat in a bank and argued with him.
Yes, you did.
So, I mean, I've-
So how did you fight the heat?
You just, because I'm sure you started beating it down immediately.
No, the only time I really had that kind of hit.
me was when the cop showed up like that's like normally I'm like keep in mind I'm I haven't
stolen anybody's I like if I went in I didn't steal somebody's identity like I got a real driver's license
I have a real this real that I open the bank account I know everybody involved so I know they
didn't call somebody right and get get a hold them them say my identity was stolen so I'm sit
there arguing like this is procedure or this is policy that we're arguing about like I'm not
concerned that they're like the cops are going to walk in and say you stole someone's identity
even when they grabbed me and arrested me,
you know, handcuffed me and brought me downtown,
and I talked myself out of it.
Even then, I knew that Gary Sullivan,
which was the person I was pretending to be here at that time,
like, he's a homeless guy that lives under a bridge.
Gary didn't clean up his life and contact the cops.
I promised to track this down.
Right, right.
I just thought that some wires got crossed and they figured it out.
And oh my gosh, I'm in trouble.
So then I was terrified.
I just had to start talking.
I started to talk my way out of it.
So, see.
Way better than her, by the way.
That's exactly what I was about to say.
I swear, but go ahead, go ahead, play.
Right now you're just being detained, pending an investigation.
Not currently under arrest, but you've already entertained, okay?
Did he say detained?
Yeah, she's not an arrest.
She said you're currently detained.
Which one you all want to talk to me?
It wasn't me.
Okay.
It was probably some back office.
Okay.
So we got a call from another friend.
Yeah, because I was trying to hold on to her.
Is she alone?
Is it?
Is it?
The whole of funds are being transferred to other accounts.
And they're coming in to withdraw.
But it appears that they are the two ones, like her.
Are they transferring through internet banking?
And then they're going to the branches that were drawing.
This morning we had her account, $10,000 was withdrawn from the car.
And she's saying it wasn't her.
See?
Yeah, she's here to the fucking.
wait a minute
so she's saying
that $10,000 was withdrawn from her account
and then she walked in and said
that wasn't me that still that but keep going
because I was focused on the transferring in
yeah but how the money gets in the account
is irrelevant they I think I figured that out too
because I watched it a couple of times
and I focused on like what happened was
you'll see like somebody obviously
opened had 40 grand in their account
yes transferred it
into these people's account, then he went in the bank.
After it was withdrawn, he goes in the bank, and he says, I had $40,000 in this account,
where's my money?
And then they wired it back.
I don't know about wiring it back.
Yeah, go ahead.
I don't remember that part.
But she talks very lightly, too.
I can barely hear her.
Hold on.
What is it that she's done right now?
She's trying to withdraw the $10,000.
Okay.
But she hasn't withdrawn anything.
No, our risk of compliance department block it because they saw the scheme.
So she's just here to withdraw.
Money was deposited into her account this morning.
She came here to withdraw.
So she's under arrest because she's there to withdraw money.
Money that was already withdrawn from her account.
Correct.
So she's saying that wasn't me.
That withdrew the money earlier.
Earlier, I should have $10,000 in my account.
Where's my money?
All right.
And this is what's funny is that the person that withdrew the money.
month, the 10,000, is her.
Did you see that?
Should they go?
They check the ATM?
Yes.
And she says, you'll hear her say multiple times in the thing where, like, I haven't
withdrawn anything from an ATM.
And they're like, it's clearly her.
Right.
So she's, they've got her like, it's just so bad.
Like, they're going to check the cameras.
Like, what are you doing?
Sir, he said I was detained.
So.
You're not free to leave.
Yeah, I'm not trying to go nowhere.
But I need to call my mom because this.
We're not calling anybody up here.
We can't call her so y'all can tell her that.
I'm probably going to go to jail because, yeah.
I don't, ma'am, I don't even know the story yet.
Okay, that makes you anything, I hadn't talked to anybody.
I've been standing here with you.
What I'm saying, what I'm saying is, y'all killed my brother,
so I really don't feel comfortable around y'all at all.
So I'd rather call my mama so we can have his discussion because I'm really like...
How old are you?
I'm grown.
Okay.
But I still don't feel comfortable around the police.
That's your right, and I can't take that way from me.
Right, so that means...
I said, but me as an individual,
I'm going to treat you with the utmost respect.
That's how I, well, I, no, ma'am, ma'am, I don't play the innocent black man.
I don't know your brother.
I don't know the situation, but I can give you the utmost respect if you allow me to.
That's not giving me respect because how are you trying to belittle me right now?
That's belittling me.
How am I belittling me?
Because I told you that my brother got killed by an officer.
And I'm telling you I'm going to give you the utmost respect.
But I'm also telling you that it's belittling me as well.
She goes on and on about this, right?
She's nervous.
That's nervous energy, by the way.
But I mean, that, like,
be as straightforward as I can.
Is, are you playing the victim card?
Like, are you, but I, but I'm going to give you.
But I'm going to go over me, but I'm going to go over.
He's five feet away.
He's standing in the doorway.
I can see the doorway.
So I'm telling you that I'm very uncomfortable with the office.
What would make you feel comfortable, man?
Feel more comfortable in the back of the police car?
It's a small office.
Hogtide
You can go stand over him
No, that's not how it works, ma'am.
You don't get to dictate that.
It really is.
No?
It's called freedom of speech.
I know my rights.
Well, you've got the right to say what you want,
but you don't get to dictate how things are handled.
I understand what you're saying.
Freedom of speech gives you the right to say whatever you want.
However, it does not give you to dictate
how we conduct our criminal investigation.
Would you like EMS?
Yes.
Okay.
And I also would like my mother as well.
Our detainee is requesting EMS reference in anxiety attack.
It'll be a black female.
How old are you now?
32-year-old black female.
I killed my brother.
And I also, I've been telling an officer this for the past two years,
and I feel uncomfortable every time you're coming around.
This is the part where I have sympathy for the police officer.
Because I'd be like, shut out.
Shut up, because your brother won't be the only one killed.
She's like, y'all kill black people.
Like, what?
And he's black.
And I'd be like, and you're black, right?
So.
Do we have the video and everything for that?
We'll need the video, yeah, no.
But she's saying it wasn't her.
She's here now.
But she's saying it wasn't her that went to the law.
Let me talk to her.
But that's not a crime, though.
What?
To remove your funds and say it wasn't you?
That is a crime.
It's a scam.
Well, yeah.
It was you.
It bothers me that you just said.
I think all that jail time would have done something.
My brother, I told you that.
You're smiling goodbye, but it's not funny, sir.
It's not fair.
It's funny.
It's funny to him.
It's funny to him.
I'm looking at him laugh.
Every time I look at him, he's smiling.
It appears that you're trying to find something to,
I'm not trying to find it.
I told you, I told you exactly what it was.
And I did, I told you, I gave you an officer to my brother.
So with that being said,
Hey, Ms. Quinterrey, I'm not quite sure what's going on,
but I'm Officer Baldwin and I would like to talk to you in reference to why I'm here, okay?
But before I do that, I have to read you and afford you your rights, okay?
If I'm not detained, why I'm going to regret rights.
No, you are detained.
That's the point.
You're detained.
That's why I'm reading you your rights.
I told you you're detained.
You're not under arrest, but you are detained.
Go ahead.
Okay.
Excuse me.
Yes, ma'am.
Why did he take my phone?
Because you're detained and I don't want you making any phone call right now.
I do.
Your hands are in the front of you and I don't need you making any phone card.
But that's my personal property.
I understand that has been.
No, because in law it says that I have to accept him.
So you have to understand all of the emotions and anxiety that's going on with her.
She's a mess right now.
She's a emotional wreck.
what's even funny is okay then i'll bring you back the phone here i put it here i'm gonna put
the handcuffs behind your back so you can't use it oh you i don't want no i don't want you to use
your phone like that's the whole point you're lucky you have them i've never had my handcuffs
in front of my in front of me ever okay you can close it over i'm not ems is here to get
you get checked out i'm all right she says she's having an anxiety attack because
Okay. Okay. Well, we'll check your vitals. Okay. Your blood pressure is a little elevated,
but that's to be expected. You're under, you know, emotional arrest. I'm not mad about that.
When I'm mad about it is to say that the police who kill young, black, innocent men is standing over me.
That's the only thing that's all mad about. I ain't mad by nothing else. Well, I don't think this is racially.
It ain't racist because he's black. Hi, that's racist. You're the one. She's the one who brought up black.
Yes.
Okay.
I understand you're upset?
I'm upset because this man is standing over me.
That's the only reason why I'm mad.
Oh, yeah.
I'm not mad about going to jail.
All right, we didn't bring your ass on.
We're going to tack on $2,500 for us coming out here, by the way.
Oh, they take her out so she can show her.
They're showing the evidence.
That's right.
Yeah, that's her.
Okay, yeah, now that's her.
Yeah, okay.
Yeah, okay.
that we have detained.
Of Kalarnia.
From Kalarn.
Mm-hmm.
Because I didn't gave him $5,000.
You gave him $5,000.
Yes.
My money, because I'm trying to run a business.
And I needed somebody to double it.
Like, if you, I don't know if you were, like, on Facebook or anything like that.
But people, like, they're like, if you send $25, we're going to see, I mean, if you send $25,000, we're going to see me $25.
Now, that's just, I don't know if that's fraud.
I really never even.
that that's fraud but that to me is the crime is when you report it looks because you
give me 50 votes no i'm asking people do it people do it every day sir i don't know like a lot of
people here everywhere like all over the world i ain't even go lie you've been all over the world
i ain't been all over the world but i met a couple people how long has he had an account with
these are all new accounts since the first of february
the three of all of them
yeah the three of them
new accounts
went and opened new accounts
that's what they opened
her accounts new as well
yeah
February 1st all of them
open the same day
yes
let me make sure
hers I know for sure
because I told her
Kevin is
2
no 131 which is the day before
so he started the ring
huh
This money transfers in his account when he distributes it to her or her.
And then they were here this morning, both of them, to withdraw 10.
They actually got out from Killarne and they did withdraw at Killarne.
And then they came here to which one, that's where we got.
How much do they get from Calarne?
She got 7,000 and she got 10,000.
Matt, but you're on the fact that he wired the money in there.
They're not in there to say that it wasn't them that took the money out earlier.
It is.
she came in and they said they had opened an account for her. Right. $10,000 had been wired into the
account. She then removed that money from another bank. Right. Another location. Right. She then goes
across town to this bank and says, I need to remove $10,000. And when they checked it,
they said there's no money in the account. It was withdrawn. She said, that wasn't me,
hoping they would give her the money anyway by saying someone stole.
my money it wasn't me and that my whole point is she's not saying someone stole her money
no she's saying she all she's saying is I didn't take the money out right that's not me
I didn't take it out right so she said clearly saying it's somebody else which is the wasn't me
scam I but the the the wasn't me it's okay to say I'm wrong I'm wrong all the times that
trust me ask my wife she loves to remind me can we call her hey sorry to interrupt the video
just want to let you guys know that we're going to have
an extra 15 or 20 minutes of content on my Patreon. It's $10 a month for about an hour's worth
of extra content every single week. Back to the podcast. But the wasn't me scam, right,
is contingent upon the filing of the claim, not the removing of money. There's no way,
I'm serious. It's the filing of the claim. We're not writing a legal motion here. But the reason I say
that, Matt, is because no fraud department is going to call the police because you go in
and say, hey, I'm here to pick that $10,000.
Well, you don't have $10,000.
Okay, well, somebody took my money and it wasn't me.
Hold on a second.
I'm going to call the police on you.
They obviously did because she knew, by the way, the branch manager knew she had taken the
money out.
Remember she just showed the cop.
Yes.
She's like, yeah, she's like, I can show you.
and she shows him, look, I got, this is clearly her.
He said, yeah, yeah, that's her.
So she came in a branch across town, removed the $10,000.
Then came here and said, I need $10,000.
And she said, it was already removed.
And she said, that wasn't me.
That's the scam.
But she obviously could check and said, oh, okay, hold on.
Oh, this is a scam.
She just removed the money from her.
They did it horrendously.
They did a horrible jump.
I don't doubt that.
If, if you're going, because I didn't go.
down this road like my my focus was on that they're calling because of the money transfers in the
account no no that's just how they were getting the money in what i'm saying if you when we keep
watching you'll see that she also mentions that there was the initial guy had 40 grand that was
in his account he wires it to the other account right then he goes in and says where's my money
obviously he's hoping or the money has to be removed from there
And their whole thing is obviously, well, I assume, is that we're going to open an account,
we're going to say someone took the money, we're going to get the money back, and then they'll
never look at, they probably watch my podcast is what happened. They probably said, no, no,
listen. I'm waiting for them to say, listen, I'm telling you, Black Zach used to do this all
the time. Now, how funny would that be? Y'all are doing it wrong. That would be great.
But they get, but you have to also understand, too, what is their level of,
expertise. What is their, you know, their skill level? They can't go get a fake ID. You had a guy who
had a thermal printer that could make IDs. They can't. They're like, find some poor person
who will open up an account, we'll put $10,000 in, they remove it. Then they say it wasn't
then. They get another $10,000. And you can keep five of the 10. Well, and I don't want to
say you're right yet. Let's keep watching. But my, my concept is, I was focused on the wiring of the
money in bro i hear you i hate me wrong i i'm i'm with you i hate it i hate it
you know you left me about 30 40 minutes ago we start thank god it happens thank god it happens
so seldomly you're saying you gave some guy five thousand dollars right and you had 30
in your account right at what point did you end up making i didn't put the 5 000 on the car i gave
to him in cash.
Right.
Right.
I mean, it's very minimum.
I don't believe any of this.
Her story keeps changing.
Grand theft.
Organized scheme and grand theft.
I don't know about that.
What did you come here today?
So how did your account go from 30 bucks to $10,000?
The man he said he put the 10,000 owner.
She's saying that it's like $40,000.
That's missing.
How would somebody put $10,000 on your account?
I go back to you.
I don't know.
I don't know how you put money on the car.
How many times you think somebody breaks in a house while the people are on vacation
and then puts TVs in someone's house?
Never, I guess.
How many times you think a crook hacks into someone's bank account to give them money?
I guess all the time.
Listen to what she's saying.
She's lying and you can't believe anything she says.
This guy here, the elderly, the 84 years old, went to Quincy to file a dispute because he didn't
know what was going on with his account, poor thing.
Yeah, he didn't know how they got his.
Yeah.
There's an old man who's got 40 grand.
They wire, they get access to his account, they wire, probably from a caregiver or something,
wire the money into different people's accounts that they had opened the account.
Hers is one of them.
My, hello, hello, viewing audience.
Did I not say this at the beginning?
So what I'm saying, they took it out of the old man's account and wired it to them, and they're removing.
And then they're going to say, wasn't me, give me my money back.
Oh.
The scam is the wasn't me.
The scam is, okay, go ahead.
And the $40,000 that was missing from the old man's account.
Hello.
Hello.
You guys say?
No.
Hey, my fresh mind.
Let's ask you a opinion.
if you got a moment.
Do you have like 10 seconds?
No, a moment for your mind.
Okay.
I'm going to ask you this question first.
How often do you think somebody hacks into someone's bank account and deposits money?
That'd be very rare.
She thinks it's all the time.
It's very rare.
This one is very rare.
No, but you just say it happens at the time.
I don't know.
I work nothing but financial cases with banks and money and stuff.
Right. Let me ask you a question, sorry. Okay. Now, if somebody, because I, I'm not really, I'm, I ain't even going to lie. Me in computers, I don't, I don't do computers. Okay. So. Oh, I interrupted. Is this, did I just hear something? I just went. I was just getting back. They said that you invoked to your rights. So you don't want to talk to us? I didn't want to talk to him. Now. Okay. So you are wanting to talk to me? Yes or now?
Because I'll read you your rights again.
And if you want to talk to me, that's fine.
Of course we want to talk to you.
You want to know what you have on us.
Whatever we're in that situation, we want to talk.
We really want to listen.
Like, can you just lay everything out so I can make excuses?
It's up to you.
It's a criminal name, but.
I just need a yes or not answer.
I guess, yeah.
Okay.
Boy, that holding out, fuck the police broke down quick, didn't it?
Ain't nothing I want to tell you because I didn't do nothing.
So I'm trying to cry.
You're in Hank Coast in a bank because you're drawing a large amount of funds.
Right.
That aren't yours.
That aren't hers.
She's withdrawn a bunch of money that's not hers.
But what me consists of withdrawing money that is yours.
It's irrelevant.
Who put the money in the account?
They're saying the money all came from, oh my, you know, look, look, look, I'm going to go over this again.
No, no, no, I know what happened.
Okay.
Right.
Right.
But wasn't me is withdrawing.
money that is yours. They're doing both scams. One, they remove, look, look, I'm saying,
it's a version. I'm saying they stole the money from an old person and put it, and opened up
account and withdrew the money, and it either went into another account, which was then distributed
amongst three people, or they directed it, direct deposited or whatever, wired it,
whatever you want to call it, from the old man's account directly to these people who just
open the three accounts, probably four because it sounds like it went into one guy's account
and then went to the others. Anyway, the point is, is that their only understanding of the scam is
I'm going to open an account with $30, someone's going to deposit $10,000, then I'm going to
remove the $10,000. Then I'm going to go into the bank again, another bank branch, and I'm going
to say, hey, I need $10,000 out of my account. And they're going to say, well, that money was removed
It was removed earlier today
And she's going to say
From where?
I didn't remove that money
Hoping they'll say
Oh wow
We'll put the money back in your account
We're so sorry
Not realizing that they're going to say
Hold on a second
Oh wow, that was her
Two and a half hours ago
She removed the money out of brand
In the Brandon branch
And she removed the $10,000
This is a scam
And then they call the police
Then they track the money back
They're calling the police
On the old man money
That was done
may be, but she's still a part.
She's a member of the conspiracy.
Watch that.
So he came and he was talking to us.
It was like a couple of us who was in a group.
And he was like, um,
y'all trying to flip y'all money.
And I was like, I was like, yeah,
because I had like something going on at the time.
I was trying to get a business off the ground.
So I was like, yeah.
So he was like, um, well,
all you got to do is go put a car in the vision.
So I did that.
I paid for the car.
everything the 30 dollars he said you gotta do what you gotta go get an
vision card like an account you got to open an vision account and he was like he
was going to send me the money whenever he'd get the money this is what happened
now just to pause you where he said did he say where this money was coming from no he
didn't he never told him so he was saying he was saying that he was going send you money
for what reason to flip it what is that yes because I gave him $5,000 this is cash that
I gave him $5,000 and he's like I got his thing when did you give him $5,000 how
about three weeks ago.
What was that for?
For a business that I'm trying to do.
I'm doing here.
And you gave it to this random guy that you're on home?
Yes.
Does that make a lot of sense?
It doesn't make any sense.
But I'm going to tell you, I'm going to tell you, though.
I want to still tell you because I feel like, okay, the day I got the card,
I went to the walkhouse with the park, right?
Ever since after that, I never seen the car no more.
He has the car.
So whoever he has with him, they're doing it.
getting the money out of the ATM and stuff it's not me
when we go when y'all go into this
investigation you're gonna see
oh god girl
and it's her on the camera
what about today what's going on
today I'm here I'm here
they said that it was
they said that um
the oh
I can't believe she's
she's blaming it all on chill
what happened to the street code
you can deep you that in my house today
and that's why I'm here with y'all
um do you know anybody else that this guy reached out to
yeah i know a couple people that he's reached out to i can call a couple of three
you know their names octoberhood did it sound like a legitimate way for some random guy that you barely
know i did deposit at the time i ain't even gonna lie at the time because of the fact that i was in
like in a bad predicament on how it was you had five grand in cash doesn't sound like you
in a bad position.
So then he stole to my card.
Like to this day, I still don't have my card.
Well, it sounds like he got you to open
on the account. Right. I was the agreement.
And then you gave him the card so he could
utilize the account. It doesn't sound like
you stole anything. It sounds like you gave it to him.
I didn't give it to him.
I left it in his car.
And then he said the next morning that he was going to
come back and he never showed back up.
How did you know to go get the money
out of the account?
Was this guy have any tattoos or anything that you remember?
Let's see, they need you interrogating.
How'd you know to come get the money out of it?
How'd you know when there was money in the account?
Good question.
It's not, they ain't in my phone.
It's an out-of-town number.
You know what it starts with?
I'm pretty sure it's probably on that account, though.
It's a 501 number.
On your account?
Okay, what, do you use his phone number to say that they count?
I signed up my name and then he called, and he said something to me.
about he needed to switch this is the this is the scam I'm telling you about that I think he
transferred this is what I was telling you I think somebody transferred money from somebody's
account in theirs and then they tried to take it out they did take it out or yes and then
she walked in and said that wasn't me so they're trying to they're trying to hit it on multiple
they're trying to get the 40 grand and they're trying to get another 40 grand it's he took the
money and she's like hold on I should have had some you're going to be taking the jail so you're
arrested so what's the charges you're getting bank fraud
organized scheme to defraud
and then grand theft
neither one of those would come with
was it me
so
obviously you know
that's what's going to have to happen
yes it would
lucky for her that bond might be about
$400
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Maybe you didn't want someone today.
Look.
The bad problem is they're going to take that money, too.
That's your ass.
You see, the problem is the whole, I didn't take the money out of the bank.
This is the money that you took out.
a couple hours before.
Yeah, you agreed to participate in the scheme.
I never knew it was a scheme, sir.
I'm not blind.
How did you take this money out of your own account
and then come to another bank branch
and say it wasn't me?
Matt, man, I feel like if you were there,
you'd slap her.
Listen.
I'm just saying, stop talking.
I never got that.
That's the only thing I got record.
Money before, she was saying wasn't her.
Well, that's the $5,000.
She gave the guy initially.
Can I be on her side, please?
I think maybe she did get $5,000.
Actually, she got 10,000 out.
She gave him five.
You only opened up a bank account.
You gave him the car.
And then days later, you know there's large amounts of funds in there.
I never knew that.
I never do that.
I swear it all over there.
I never knew that.
What I know is he was supposed to give me back my money.
He never gave me back my money.
So I called him.
And then that's when the fraud hotline called me and said that it was missing like $40,000.
Ain't no way in hell.
missing $40,000 if I never took it out.
I never took it out.
It wasn't me.
It wasn't me.
Listen.
I get it.
I hear you.
I hate it.
I hate admitting when I'm wrong.
See, it wasn't.
You know what?
You know what?
We're taking this one because it's not your money.
You know what's funny?
They really won up to you, really, to be honest, if this worked.
What?
If this had worked, think about it.
So I would never.
They removed money from this one guy's account, 40 grand.
They put it into these other accounts.
They got out the 40, 10 in each count, got out the 40 grand.
And then sent them it.
So they're hoping to end up with pulling a scam for 80 grand.
She may have other bank accounts.
How does she get that?
If that's not the money that she removed earlier, maybe money from another account.
She may be have three different bank counts.
Doubling up scams is the best way to get caught.
If that's the case.
I would never, ever steal some money from somewhere.
What's important is that she lives in Tampa.
We know her name.
We know she's in jail right now.
Probably.
We need to get her on the teeth.
She needs a little bit of coaxing.
Obviously, she don't even mean.
It's coaxing at all.
And she needs, she needs to, she's so close.
She was so close.
The only advice you give her is not wear the hair net.
Yeah, next time.
Try not to be so ghetto.
Let's not go with leopard skin.
stretchies. And the shower cab. At least try and pull off the illusion that you would have
$10,000 after having $30 days ago. But I'm just doing it. Yeah, I opened the account with $30.
Immediately $10,000 gets deposited, removed. I come back and ask for my $10,000 that was just
removed. And then they check the account. Turns out you removed the money. And that money originally
the $10,000 was put in your account was part of $40,000 that was removed from an $84.
year old what me yeah that's my money because i gave it to him and i got my money back from him you're
you said you didn't get you yeah yeah yeah she just yeah you can't believe anything she's saying
i'm gonna do it with the other half that's missing all this stuff will get impounded except for the
toilet trees all that stuff's getting thrown away but but i'm talking okay that's the little
eight of all right down that's going to that's getting impounded too so y'all's going to take the money and put it
inside the jail?
No.
It's getting impounded.
All this stuff is going to tell us the police department with me.
It's going to be impounded into evidence.
So once evidence take over, y'all have somebody that comes and gets y'all, comes and
get it from the sheriff's office.
We're not the sheriff's office.
We're up here.
Yeah, we're TPD.
Totally different.
That's crazy.
That's really, really crazy.
Totally different.
Money wise is ill-gotten funds from someone else, which is why.
which is why you're in the cuff.
So that $80.
Like that, I don't know.
When I tell you, I'm, I have like something else like outside of that.
So I'm really not thinking that all I know.
So I took five grand out and I'm going to go into the bank with the five grand on me.
I'm not even going to leave it in the car for.
Her story has changed so many times.
Listen.
And she's like,
I wasn't even thinking about that.
Like, your frame of mind, your understanding of the complete crime is irrelevant.
You participated in a crime.
Yes.
That's all that matters.
It's the same concept of the guy who's driving the getaway car, you know?
Even if he didn't know they were robbing the bank and they ran and jumped in the car and he realized they were robbing the bank.
And they said, drive, drive, and he took off.
You're now a part of a bank robbery.
Yes.
You know, so.
Amen.
She's trying to say anything at this point that will spark a, oh, wow, we didn't
know that? Get those handcuffs off
her, Jimmy? She's done. She's done
and everything she's saying, great evidence
in court. Yeah, this is a link in there.
And it's all on recording, so.
Unless you were in the jury box,
you'd be like, I don't know.
The $5,000,
where did it come from? You saying
that's yours.
I gave him $5,000.
That was three weeks ago.
He was supposed to...
He was supposed to double it.
Like, I don't know.
if y'all on like any type of website,
Facebook, Instagram, anything
like that, and you got the little scam people
that always pop up saying that they can
just scam people.
But I never went for the online thing.
The only reason I went for it because he was
right there in my face, visual.
I don't, but I don't know him.
We were standing at the shelter and he
came up to us and he was like, well,
I can help you, you know, you're trying to come
up, I understand, y'all out here, y'all living
bed, da, da, da. So I'm like, okay,
You know, and I can call multiple people
because we all were standing up that day.
We don't know this man.
We don't know him.
And he probably had got other people like this,
but he don't know us.
Like, we're staying in front of the shelter every single day.
So he sold your dream, is what you're saying.
Yes, that's what I'm saying.
And I ain't tripping because I know that
I can take a trial or whatever, but still.
You have that right.
Like I said, this is not the final say so.
All right.
I got a cigarette?
No, ma'am.
No.
I don't really want a cigarette, though.
Please.
Oh, she's breaking down.
She's breaking down.
She's coming apart now, man.
George Floyd made the same request.
She was charged with bank fraud, grand theft, and organized scheme to defraud.
She's looking at it all wrong.
It's an opportunity to get off cigarettes.
It's an opportunity to lose some weight, which she needs to lose.
I mean, she's looking at this all wrong.
I mean, she is.
is and she's learning she's she's taking the proper steps toward doing a proper wasn't me yeah because
an improper wasn't me no it takes time it takes time you can't just do it you can't just do it so
like i hit hit stop recording yes so can we take a verdict i mean Kobe do you believe that's what
me it's a version they that is stolen money yes that they were trying to get out and she's trying to say it
I think, listen, let me put it the best way.
Wasn't me as not stealing money.
Wasn't me as more of an insurance scam.
It's kind of like saying someone broke into your apartment, stole your stuff, right?
When you, I gather up my expensive things, bring them to your house.
Then I call the police and say, police, somebody broke in and stole my stuff.
That's basically, wasn't me as an insurance.
So I have a question.
The same scenario.
What if initially your house was empty?
So what you did was, you went to someone else's house.
house. You got their stuff stuck in your house, then insured your property, then stole your own
stuff, then called the police and said, my stuff is stolen. Same thing. You somebody, you have to get the
money from someplace. And they got it from an 84 year old. They're asking for the receipts. I'm like,
I don't have any receipts for any. Listen, no. Stop. I get it. I hear you. I hate it. Never double up. Never
double up. When I have to admit I'm wrong about.
something, I'm super embarrassed.
Strictly into denial.
Super embarrassed.
So I hear you.
That is not, wasn't me.
Okay, people, that was a textbook example of how not to do it wasn't me.
Now that we've established that, you can do the extra, exit.
Well, no.
When did you go wrong?
Yeah, what would be the person?
Stealing someone else's money.
combining so stealing someone else's money and then saying i'm going to go against the clock
because when they stole this guy's money there's no telling when they're going to find out about
all that he says it's it's a fly in the ointment yes hey real quick just wanted to let you guys
know that we're looking for guests for the podcast if you think you'd be a good guest you know
somebody do me a favor you can fill out the form the link is in our description box or
you can just email me directly. Email is in the description box. So back to the video.
The best version of the wasn't me. The take the money, right? If you stole it from the beginning.
Oh, from the beginning. Best version is you take your own money, put it in the bank, we remove that
money, go into the bank and say, hey, where's my money? How do you remove the money? Aren't they going to
be able to? Well, you want to be on camera. Exactly. So you would go, like you said, the UPS,
Yes.
You did a post office, the United States Post Office, or to Walmart or Publix and you buy money orders.
Or you could even go and have somebody else use your ATM card and go to an ATM machine and withdraw the money.
Because then when it shows up there, like, oh, wow, that's not her.
Right.
Or that's not that's not Matt.
Somebody obviously had, of course, you can only get out, what, 500 bucks a day.
Right.
So you'd have to be a slow grind.
Yeah, you'd be, let's say five days later, you'd go in and say, well, whoa, whoa, whoa, hey, I just check my account.
and somebody's been removing money out of my account,
but I had my card, it couldn't have been me,
somebody, you know, maybe you're going to get $2,500, $3,000.
Right, right.
You know, but if you've opened up three or four different accounts.
So once, and that's why, once you go into the bank to say
that it wasn't you that came in earlier, right?
It's not like, well, I'm calling the cops.
Right.
Because they're like, they're not even questioning where the money came from because
clearly it's, clearly you open the bank account with your own money.
Yeah.
But in this case, they withdrew, they stole money from an old man.
They transferred it out of his account.
sent it to different accounts.
And when they, obviously, they could check with the old guy and say, hey, by the way, did you, did you transfer money?
Or maybe he even discovered it.
And at that point, right, the...
All those accounts are flagged.
Yes.
Right.
So for her to go in.
So that's why they were saying, and this is my view of it.
So she, I think the guy that moved the money as she gave the card to, I think he took the other
$5,000.
I think she, whatever, 10.
Because remember they said three people walked in and opened up accounts.
Right.
10,000 was direct deposit in all those accounts.
I'm assuming he probably opened his own account first and he wired the money from the old
man to theirs into his account.
He took 10 grand.
He then put 3,000 on the other people's accounts.
10,000 each.
I'm sorry, what I say?
Three.
Yeah, 10,000 on each account and then told them all to go get the money out of the
account.
Then he said, go across town now and go in and try and remove.
some money. They're going to tell you the money's been taken out and tell them that wasn't you,
and they'll give you all the 10,000 back. And that'll be your half or whatever. Like, who knows what
the conversation was? For some reason, she went in the bank and said, what do you mean? I have
$10,000. They said, no, it was just removed. And she said, oh, that wasn't me. I didn't do that.
And then they probably said, well, you have to understand. There was $40,000 taken out of an account.
It was transferred to multiple place. And she said, 40,000. I haven't got four. I've never seen no
$40,000. And she made this whole fuss about it. They're saying, I got $40,000. Like, nobody's
saying that, you know, so she's throwing bits and pieces out there. And obviously she kept
spinning the story and spinning it and spinning it. And she's trying to figure out a way that-
She was, she was annoying. Right. But she's definitely a part of a scam. Yes. And that's my
viewpoint of what happened. I think, like I was telling you, somebody transferred money.
And I personally think the guy that transferred it withdrew the money because he had their debit
card. I think she went in and took, like I actually think that he probably did about 15.
or he did an amount to make the $40,000 even in each account.
And I think she went in and took out some, like the $5,000 she had or whatever.
No, they said it was her in the bank taking out the $10,000.
Like they were like, that's clearly her of removing the money.
Right.
And then I think back.
Right.
And I think he took out some money.
Oh, I'm sure he took out.
And she was saying, what do you mean?
I don't have any money.
Well, somebody took blah, blah.
She's like, I didn't, and she might have been saying I didn't take none of that.
You know what I'm saying?
But I think that he took some money that she didn't think he took out.
And she was kind of like, where's the money?
I don't think she was saying, hey, here's another scheme that we're going to pull.
I don't think when he put the money in her account, I don't think she was thinking to herself,
I'm going to take $10,000 out now, go to another branch and tell the branch,
hey, that wasn't me that took the money out earlier.
I think that is what the scam is.
I did.
Because I don't think she's, I think he took some more money.
And she's kind of like, what the hell you mean?
I don't have any more money.
left. No, I think that she, one, he needed somebody to help him get the 40 grand out of the bank.
Right. I agree with that. Which they did. Which they did. And then I think the second version of the
scam that has nothing to do with her, probably just him saying, now go back in the bank and tell them
that you didn't take out the 10 grand. They'll give you the money back. And that, and by that point,
she goes in the, they've, they check and they're like, oh, no, no, no, this is you. You know why?
I don't think that's the case. Why? Because she's not screaming.
that, like, I'm not the one that took the money out earlier, that somebody else took it out.
What she's saying, she is saying that.
She said that, that 10,000 that was removed, like, that wasn't me.
And they showed the video of her taking it out.
Right.
So, right, she did take it out.
Right.
But that's why I'm thinking he took out some money.
I don't know about that.
That doesn't make sense.
I don't know where you're getting that.
Anyway, the point is.
Because she's in the bank saying, I need some more money.
And they're like, you don't have anymore.
Well, they're saying she's the one that took the $10,000.
Anyway, oh my God, we're going to have to watch the whole video again.
Anyway, regardless, 40,000's removed.
Book club on Monday.
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Date night on Wednesday.
Out on the town on Thursday.
Quiet night in on Friday.
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slash small business match to learn more. Conditions apply. Put in four separate accounts. Four
different people removed $10,000. And I'm assuming, and then she goes back in and says, I want
$10,000. If only 10 was put in and she comes in and only 10 was removed and she comes back
and asks for 10, then the whole time, it's all 10, 10. So I think it's all her. Regardless, the point
is is that they went so they go to a place she's obviously living in a homeless shelter right
you think so was they said she hung she says we hang out in front of the homeless shelter i
assume she hang maybe she has an apartment and that's where she hangs out i've been to homeless
shelters to survey homeless people or i don't want to give a cop my address i mean okay that's true
yeah her whole story about the guy maybe all BS like who knows i think there is a guy and i i also think
that she probably does know who he has.
Or maybe she was approached.
Yeah, she was recruited.
If people call all the time, hey, I need someone with this account and got somebody with
this type of account.
Yeah.
Did you have anybody that can open a bank account that hasn't ruined their credit or
ruin whatever?
Yeah, I do.
Okay, great.
Tell her, I'm going to give her, if she owes it, opened an account, I'll give her 30
bucks, open the account with the 30 bucks.
I'm going to have money transferred in.
Then I'm going to, we're going to have you remove the money.
And then so I'm going to give you.
five of that. I'm going to keep five. Now you're going to go back in the bank, get another
10,000, and I'm going to get five of that. You get five. So you're going to keep $10,000.
Like that seems semi-reasonable, or maybe you're going to keep 5,000 of the time. Now, go back
in, no, they already gave her the 5. So there had to be an incentive for her to go for the second
10 to keep 5. So yeah, she's going to make 10. They're going to get 10. Yeah, and then what's
the incentive is I never, I didn't have to open up a bank account. So he probably never
opened a bank account in his name or he's got a fake ID. And then, yeah, okay. So that makes
sense. That's the incentive is I'm going to, you're going to make 10 grand. You're going to
give me 10 grand. Costs all of 30 bucks, which I gave you. What's the big deal? You're going to be
fine. Exactly. So the very least he got 10,000 from at least her and two or three other people.
Who knows how many other people he recruited? You know, I mean, and who knows how many other
county has access to he's out there wiring money in you think she knows who the person is
like I I don't think she ultimately knows who moved the money I think she knows the person that
asked her to open that account I think someone at least even if not by his full name she knows she
probably knows it like I think someone asked her to open I think there's um like levels of middlemen
and I think somebody somebody who I can move money so I say hey Matt find me somebody that can
open up. I need three people to open up
and envision credit union account. Right.
And then you'll go out and you'll say, hey, Kobe,
do you know somebody? I know Shinnika,
you know what I'm saying? She needs some money.
She'd be wearing
a shower cap all day.
Oh, how?
Really? Sit on the bay. She looked professional.
How?
I have a question.
Yeah. How, um,
I'm shocked that they gave her the first 10 grand.
They must not have no. Once she got the first 10
grand, that's when they must have done an investigation.
or the guy came in and said, hey, there's $40,000 out of my account.
What's going on?
Well, the bank manager, when the cop came in, she said that the back office flagged all the accounts.
Right.
But that must have been after it.
Because they wouldn't have given to the first $10,000 out of the account.
Well, it's the interim.
It's the activity so fast.
Right.
And money moving in, redrawn.
So they're like, whoa, whoa, whoa, stop everything.
Let's look at everything.
Everything's moving too fast.
You know, and that's what happened.
I was going to say there must be software or something that notifies like, hey, 10,000
at least, first of all, walking in and getting $10,000 out of a bank is odd.
It doesn't happen a lot.
People don't walk in.
Typically, that requires, you're going to have to probably fill out a cash transaction
report, right?
So it's over $10,000, supposedly, but whatever.
Or if they're like, eh, it's funny, it's exactly $10,000, then they'll be like, yeah,
you're right, we don't have to fill out a cash transaction report.
We're going to fill out a suspicious activity report because it's suspicious.
You open a bank account with $30 six days ago.
Now you have $10,000 and you come and remove the whole six.
That screams fraud.
Yes.
So that probably, they probably gave her the money and then started looking into it.
Or maybe in the interim, the guy realized the money had been removed from his account.
And he called the bank and they looked into it and said, oh, wow, we just missed it.
40,000 is gone.
Three people came in and opened three accounts and somebody else opened an account or whatever.
But yeah, I mean, it's super suspicious.
How much time do you think she's looking at?
for plea and trial.
You think they'll hit her with the whole 40?
No.
I think she'll probably get...
But first of all, I think her bond's going to be
about $4,000 or $5,000.
Like those second-degree felonies
carry, like, in Florida, like $2,000 bonds apiece.
So she's got three, so about $6,000 is her bond.
I think if she doesn't have any priors,
I think probation.
And I think if she has a couple of priors,
she might get a year.
you know, but they're going to want, they're going to want her to have probation to pay back
the money.
A year.
Yeah.
That sucks.
They're going to want her to have probation for like 10 grand?
Because Shaw, she really was successful at was 10 grand.
See, the state doesn't work like the feds.
And they basically, the state's going to tell the bank, hey, it's gone.
You know, we're going to put it on probation.
All that repaying and restitution, that doesn't go back to the bank.
The government feels like, hey, you got FDIC.
We caught the person.
We prosecuted them.
any restitution they're paying hey we're keeping that shit so i think they'll just put her on
on probation for restitution i think she like if if she's close to anybody that pulled that off
they would bond her out just to shut her up yeah or or like they saw that shit they'd be like
holy fuck they would definitely bond that that's mary too without a question that 40,000
do they recoup that physical $40,000 that these people have in these accounts to give back
to that old man?
Does the bank just go ahead?
The bank pays it back.
I mean, FDIC insured.
There's, it's, it's insured.
And what happens to this extra $40,000 they eventually kind of recoup?
They're not going to recoup it.
No, even if these people make all, didn't they get some money from that later?
Oh, yeah, that gets, that gets, that gets, yeah.
Yeah, they'll just swallow it up.
That all gets absorbed.
The FDIC pays back to financial.
institutions.
Yeah.
So they'll probably put them all on restitution payments where they have to make payments,
but the government's just going to,
the state's just going to probably keep it.
So most bank has a fraud department.
Each bank has like a back office that fills out the FDIC is like an insurance policy.
It's the same thing.
If someone, if you've got renters insurance and something happens, I come in here and I take
something, if you file a claim, they're going to give you a check.
They don't even really ask.
They just change.
Is it federal depository insurance?
Is it corporations?
Yeah.
Okay.
Have you ever dealt with or heard of anybody, you know how she's talking about people
on Instagram that flip your money?
Oh, yeah.
Yes.
You've never seen those?
I mean, I've seen them, but like, do you guys have any insight as to, like, what they're
all scam?
They're all, so, like, right now there is a humongous field that, like, so when I spent
my last two years in federal prison, I was here.
this and I'm like, are you kidding me? There's a humongous field of people who are calling
elderly people and tricking them out of their login and towed and wiring their money right
out of their account. Matter of fact, I don't know, I think it's kind of died down. I think they've
warned people or they just hit so many people, but it was such a problem that Congress was
actually about to expand the FDIC to cover for those people. Yeah. You know, they never did.
it, they never did it, they were about to tell the FDIC, hey, if someone tells you that they
were conned out of their passcode and information in their bank and someone stole their
money, you're still going to give them the money back.
My criminal mind was like, please do that.
So you know what the scam is.
So I call you up and I say, listen, I'm from Wells Fargo.
Now, when I call you, if you look on your phone, it says from well, I'm using the Spoof Act.
says Wells Fargo.
So you go, oh, okay, what's up?
They say, listen, did you recently transfer, you know, or make a purchase of $800?
And you're going to, no.
And then they go, okay, listen, we're going to, we need to access your account to correct this.
We're going to send you a PIN number right now.
So there's somebody else trying to get into your account.
Like they, while they're talking to you, you know, they're like, you know, Colby Baker.
And they're like, hey, can you verify your account?
You give them the account number.
they go on they go in to the account they give them the log number they've already got
other things like you're well they've got your cell no they got your cell number so they put in
log your account number cell number and they say we're going to send you a pin number right now
to your cell they click it you bring they go what is that number and you go 3362 oh and they go
okay now they have access they're the person sitting right next to him has who has a cell phone
now has access to your account they then wire they're like okay
he's got X amount of dollars.
They already know that I can wire, like he's got $40,000.
I already know I can wire up to $10,000 before it will stop it and want to
physically talk to him.
So you know what?
I'm going to wire $10,000 right now into this account.
Boom, I wire it.
Okay, it's done.
And then they say, okay, thank you very much.
We have it.
We're going to, if anything else happens, we'll re-contact you.
And then they go, oh my gosh, $10,000 was just wired out of it.
your account. What? Yeah. You know what? Listen, we are going to send you another pin number
so we can stop the transfer. And you go, oh my God, they think. Yeah, I read that one of the things
they tell them is that they're going to close their account and transfer all their money into
another account. Yeah, into it. Okay. And I'm like going, those guys. Right. Now, if they have
another, if they have under $10,000, whatever the amount is, then they send them another pin number.
They go, oh, okay, the number's 337, 6205.
Three, three, seven, six, two, oh, boom.
Send another 10 grand.
Boom.
Listen, I watched one of these things.
They got the woman for like, I don't know whether it was 80 or $80 or $120,000.
I sent it to you.
It was outrageous.
And the bank didn't want to pay her back.
They were like, you're the one that they gave them.
You authorized this.
You gave them the PIN number.
We sent it to your thing.
She's saying it was a scam.
It was a scam.
And that's what I was saying.
They were, people like that were talking to Congress.
And, like, people like Elizabeth Warren was screaming, well, they still should get their money back.
Right.
Like, they wanted to make a law that the FDIC, because basically the bank's like, look, the FDIC's not legitimately going to cover all those claims.
And she wanted to say, yes, the FDIC will, you know, and once the FDIC is mandated to cover them.
They have to cover it.
Or you could have your bank charter remove or they could have a withdrawn.
But so I read an article yesterday saying.
thing. It was the same exact scam. The PIN scam where people were calling up and this is Wells Fargo. This one woman even thought it was strange. So she's had her sister call the bank on the other line. They go, she was, what's the phone number? She gave her the phone number. She called the scammer. Just because it says Wells Fargo, it's still his phone number. So the sister, they were like, oh, if it is a scam, we'll know, Colby, call this number. They go, Wells Fargo, how may I help you?
And they were like, it is Wells Fargo.
So I'm just called because I thought my sister's needs to get.
Okay, I just check it.
Great.
Boom.
So we're going to go ahead and send you a PIN number and let you wipe them out again.
Oh, my God.
So, yeah, I mean, it's, that's, you're right.
It's, it's definitely a scheme.
Listen, we're closing your account.
And moving it.
Yeah.
And so I'm going to transfer the whole $40,000 you have out of this account number and over to this account number.
When I send you to pen, I need you to get, like that, I was going, oh, my God.
How sick would you feel?
Oh, my God.
And you just authorized.
Especially if you call the bank.
And you're thinking, okay, well, at least I'm covered to call the bank.
And they're like, did you give these people?
Apparently, we sent you a pen.
Did you give someone a pen?
That burning, like you said, that burning deep inside.
Do they get paid back to the victims or?
No, a lot of people don't.
Matter of fact, the article I read said that they own.
only got paid back after Time magazine got involved.
And this was like six months later, Time did an article.
And when Time called the bank to ask them about it, they then suddenly decided,
you know what we're going to give them that person, the money back?
Because, yeah, because they were saying federal regulators were screaming that this would,
that should be covered.
So it was the same thing that Zach's saying.
It was this, I mean, that article I read.
I was reading, like, you know, my politics levels up.
I was reading all that stuff, and I'm going, oh, my God.
Like, they were actually considering that.
Like, expanding the FD, because the FDIC is ran by, really, the Senate, yeah.
That seems reasonable to me, especially if it's an old person.
Like, it's some old person who just, I didn't just transfer.
You got to, if you do it for them, you got to do it for everybody.
No, I agree.
I'm not saying that.
But I'm saying, like, you can't possibly think that this person doesn't deserve their
money back.
They just wired a hundred.
They just moved $120,000.
You know what the scam is.
You know how they got caught.
Like, come on, you know.
I love the banks when they used to, Bank of America, when that law got passed that said any money that was transferred out of your account that you didn't pull, that you didn't authorize, like we automatically, we'll pay you back within 24 hours.
They did, they had a whole ad campaign that made it seem like your money safe with us.
And in fact, if money is withdrawn from your account and or transferred and you didn't have anything to do with it, Bank of America will give you your money back within 24 hours.
They made it seem like this is part of our policy.
That's part of your policy.
The government's making you do that.
They just passed a law and they were passing it off like, we're that good to our customers.
You weren't up until Tuesday when they passed that law.
When the mandate came down.
Monday, you weren't giving anybody their money back.
We'll be happy to do it.
Well, I mean, wouldn't you have to lose if the FDIC is going to refund you?
Right, but they just weren't doing it.
They weren't giving them back.
Period.
But then they passed.
You know, in my mind, I'm, you know.
Electronics Transfer Act.
My scam mind says they probably still get the money from the FDIC to Bank of America.
They're like, so we're not putting in the claim?
Yes.
We're just not giving them their money.
Or could you imagine that the person came in and cut the check back?
That's great.
We'll pocket that money and make the claim.
We have the police report.
That's right.
The money's set aside.
It's just waiting for someone to take it.
I mean it.
What are we doing?
That's what I think.
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