Matthew Cox | Inside True Crime Podcast - Scammer Explains 20 Scams in 20 Minutes

Episode Date: April 17, 2025

Former Fraudsters react to " Explaining 20 scams in 20 minutes" Original Video https://www.youtube.com/watch?v=cRUpM9MS3-kCyx Socialshttps://www.instagram.com/cyxgear/https://www.youtube.com/@cyxcrimechronicles Go to https://ground.news/Inside for abetter way to stay informed. Subscribe for 40% off unlimited access to world-wide coverage through my link.Control Body Odor ANYWHERE with @shop.mando and get $5 off off your Starter Pack (that’s over 40% off) with promo code COX at https://Mandopodcast.com/COX #mandopod Do you want to be a guest? Fill out the form https://forms.gle/5H7FnhvMHKtUnq7k7Send me an email here: [e-mail] you extra clips and behind the scenes content?Subscribe to my Patreon: https://patreon.com/InsideTrueCrime 📧Sign up to my newsletter to learn about Real Estate, Credit, and Growing a Youtube Channel: https://mattcoxcourses.com/news 🏦Raising & Building Credit Course: https://mattcoxcourses.com/credit 📸Growing a YouTube Channel Course: https://mattcoxcourses.com/yt🏠Make money with Real Estate Course: https://mattcoxcourses.com/reFollow me on all socials!Instagram: https://www.instagram.com/insidetruecrime/TikTok: https://www.tiktok.com/@matthewcoxtruecrimeDo you want a custom painting done by me? Check out my Etsy Store: https://www.etsy.com/shop/coxpopartListen 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/B0851KBYCFBent: https://www.amazon.com/dp/B0BV4GC7TMIt's Insanity: https://www.amazon.com/dp/B08KFYXKK8Devil Exposed: https://www.amazon.com/dp/B08TH1WT5GDevil Exposed (The Abridgment): https://www.amazon.com/dp/1070682438The Program: https://www.amazon.com/dp/B0858W4G3KBailout: https://www.barnesandnoble.com/w/bailout-matthew-cox/1142275402Dude, Where's My Hand-Grenade?: https://www.amazon.com/dp/B0BXNFHBDF/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1678623676&sr=1-1Checkout my disturbingly twisted satiric novel!Stranger Danger: https://www.amazon.com/dp/B0BSWQP3WXIf you would like to support me directly, I accept donations here:Paypal: https://www.paypal.me/MattCox69Cashapp: $coxcon69

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It's time to own it Shop now at IKEA.ca Game number two So that was very detailed Yeah scam number three fill out this survey for that scam is so hot scam number seven profile yeah that's what i did that's very doable yeah i like the ones that are doable hey we're reviewing 20 scams in 20 minutes check it out

damn number one refunding the refunding scam is simply convincing a company that they fucked up didn't send you the product they were supposed to send you so you keep the product and they send you your money back so what's the the first i get it the i get it the i I know you. So the first scam is he's saying just to, you, you order whatever, you order a laptop or probably not going to do a laptop, but they'll do something. So worth $2 or $300, you get something for $300 and then they deliver it. And you say, I never got it.

Never got it. And Amazon is king of. Just give you the money back. Just give it to you. And then they count kind of, all right, you got no strikes against you, man. Whatever it is, we give you. the first one it's it's funny because if you can if you can rotate delivery you know if you can rotate addresses where you can legitimately order two things or three things to this address and say

i never got them and then go to use a different identity and a different address if you can continue to do that you could do this forever right yeah you could like you could that's i mean that that's really that's where it breaks down right like nobody's going to be able to turn this into a full-time gig unless they are just constantly ready to have stuff delivered to different addresses it's definitely a come up they're just like anything it's the effort you know sitting down coming up with this address that address all these addresses that you have control over that you can receive this stuff and then you have to turn around and resell that stuff what's the profit margin in that or you have to sit outside i i knew a guy who

was, this was a credit card thing, but he would actually, he had a nice, he had like a Cadillac, right? Like real nice Cadillac. And he would park the Cadillac down the street. And then he would order a credit card. So he'd get your information. You're some lawyer, rich lawyer or somebody. He's got your credit, your information. He would apply for a credit card. This was when the spoof app first came out. So he had a cell phone that made it look like he was calling from your cell phone at your address and then he would apply for a credit card using your information and they would approve him this is 20 years ago they would approve him and then they would overnight this was they were overnighting the credit card so you get a $20,000

credit card they would overnight it he would park down the street and wait for am not Amazon but for you know FedEx to show up and as they were driving or drive by him whatever as that you know they pull up and stop they go get the package he then pulls his car up and holes in the driveway and so the Amazon or the the um FedEx guy or UPS guy would get out and head towards the front door and he he's in the driveway grabbing the the the trash cans or something he'd be like hey is that for Brad Johnson they'd go yeah I'm Brad they go oh here you go Brad he'd sign it thank you turn around walk over get the play with the trash cans move them wait for the guy to leave getting his sit in his car for a minute or open it up

And then the guy drives off and he jumps in his car and backs up and leaves. He's got a $20,000 credit card. He could then turn it on using the spoof app. Credit card thinks you're calling from this guy's phone number and turn, activate it. And then he'd go and buy some gas with the card. And then he'd go to the mall and run up the credit card. So, you know, that was back. I don't know if that something like that still works.

But it sounds like the same thing. If you're willing to wait for Amazon, wait down the street for Amazon to pull up, deliver the package, get in the Amazon vehicle to drive away, and then you pull up in your car, grab it, you know, the, the, what do they call? Porch pirates? If you're willing to do that, the problem is most Porsche Pirates, what they get is they get, you know, two books that they don't know where to sell. They get, when they're grabbing the Amazon stuff, they get, they get nothing.

Like, they get stupid shit. But this way, if you could. You know exactly what's coming to that. Exactly. You get a $900 laptop or a Game Boy or whatever you can get that's some electronics or something worth $800 that you can put on and then if you actually ran a website or, you know, eBay, you just put it on eBay and you start selling on eBay, you're at 30% discount. If you did it, the problem is that's such a business.

Like, first of all, you could get grab, grabbing these things off the, maybe you could. Now think about it. If you had an ID, if you had the ability to get an ID, and the package was, went to a house in the ID, even if somebody said, hey, hey, hey, you said, no, no, no, it was an accident. I used to live here a few years ago. I ordered this through Amazon. I actually clicked the wrong button and they sent it to my old address. Here's my ID. You go right up to the door.

This is mine. I'm sorry. I'm not stealing. I'm not doing. You know, they'd be like, let me see your ID. Oh, yeah, you're good. Yeah. Yeah, that's not mine. I didn't order that. Okay, just making sure I didn't want to, you know, it's for my kid.

Whatever. So, you know, you get in the car and you, so if you were willing to say, hey, I'm going to set up an eBay account and I'm going to set all these things up on eBay at a discount. And I'm going to do this continuously. But that, that, that, that becomes a real business. And most fraudsters don't want to work. Right. Like you could be making, you could make a thousand, two thousand dollars a day if you were willing to do that. and you set it up, but that's a full-time job. But then that becomes work. That becomes a full-time job. And they're scamming to avoid the work. There's a lot of money.

Even $1,000 a day. That's a lot of money, bro. That's $30,000. I mean, if you're working all every day, which I don't know why you wouldn't. But that's like $30,000. But there's a potential of maybe getting grabbed, but what are you really going to get grabbed for?

How many times do you get grabbed? The problem with a lot of the guys that do this type of thing is they don't want to work. They don't want to work. So they're shortcutting everything. Yeah. And they're risking, when you shortcut, you risk. Yeah.

And your backskins to walls. So I need this address. So I'm using my next door neighbors. Right. And there's that link to you and everything. Yeah, yeah. I'm going to use my sister. I'll go to my sister.

She'll let me get you know. I can get a package there. And then people see me that. Yeah. Okay. That's only a few packages. Yeah. What happens is that whole scam.

You've got maybe, if you're extremely innovative, you've got two weeks to a month of that working before you're like, okay, this. Now I've got to do. Now it's straight. I've run through my relatives, all my friends. Now I really have to be a porch pirate ordering these things in different identity's names with different credit cards. Like that's a lot of work.

So just like everything, it becomes a job. Yeah. And they don't want to work. So that's why they have to move on to the next thing. The risk tolerant or the risk is like the jail time potential for those. So all of that stuff is third degree. felonies. So that's a year to third degree. So that in state it goes level third degree, second degree, then first degree felony. And like that kind of stuff is property crime.

It's not that big of deal. Right. Without a doubt. Right. Plus the the likelihood that that you get caught is, is especially if you have it, you know, to me, if you have, if you set up a crime, what if they show up? Like, it's like, what did I get? I got a $400. or whatever, I grabbed it. I ordered it. Like, Amazon didn't say that the guy that I ordered it, like, here's my ID. Or even if you don't have an ID, it's like, okay, you need somebody to complain. Yeah, I understand it went to, it went to, you know, Colby Johnson's house.

But it's to Brad Cooper. I'm Brad Cooper. Right. I'm glad. Colby's not complaining. He didn't order it. they would get hot with that type of is if it was that scheme was hot

so they're looking for if it's a neighbor that looks out and sees you grab it and writes your tag number down and even if they pulled you over two weeks later or came to your house and said

yeah we got a photo they took photos of you grab it yeah I had ordered a package it went to my old I lived there a few years ago it went to like most likely the cops were like okay this is we don't

even know what was in the package. Like to me, that's actually, grab it, getting caught by the cops doesn't, even if you get arrested, you're getting right back out. Like, I don't think that you end up getting a year. The only way you end up getting a year is if they end up putting together some kind of a case through multiples and they get to your house or they get to your eBay account and they go, oh, you've turned this into an enterprise. Yeah. Like you're, you've got, you've got half a million dollars worth of goods on eBay. we checked your account. You've sold half a million dollars in the last two years.

You're making, you're making a thousand to $2,000 a day. And in state, they call that scheme to defraud. Okay. So they would package it. But you're absolutely right. Like if they, one instance, two instance, five instances, that's going to wind up after, not even probation because of those third degree felonies. Some of them are misdemeanor.

Right. Like, those are very. And they don't really know it. They'd have to catch you with the thing. With the $400 piece of equipment and all that circumstantial stuff, you'll go to court for six months and they'll wind up throwing it out or... Yeah, yeah. So I think worst case scenarios, they'd have to do the whole scheme to defraud and catch you. And then, yeah, you're probably looking at maybe a year or two or whatever what they put together.

But if you were smart about it and worked at it, made it an actual job, you probably could do it for years without, you know, and let's face it, if you could make $300, $400,000 a year, tax-free for two or three years and not be an idiot, not be a jackass that's pissing money away, really worked at it. You get an up with half a million to a million dollars. You could do something else if you're smart. I mean, most criminals aren't smart. They're not that they're not, the guys that are even the smart ones, they get the money and the next thing you know, they're driving a $100,000 sports car.

You're like, what are you doing? You have no source of income, you know, or they're living in a penthouse. Like, you're pissing away every dollar you have. to prove to everybody you're successful but you're really a fraud and when it goes all goes wrong all your friends abandon you you know and it's just it all goes wrong and you lose everything you've got and you know where if you were smart and said hey i'm going to do this for three years and save all the money and i'm going to live in someone's spare room and save the money and then i'm going to take that money and turn it in something but the problem is once again that's more of a job and it's a long-term goal

and most criminals just don't have that. I feel like most criminals don't understand money so they can't work with money. They have the no value of it. So when they get the money, they think, you know, they'll buy, buy, buy, but these aren't assets. They're buying. They're buying liabilities.

Cars and all that to depreciate the moment you get the receipt printed. And then that's the, on the opposite end of the spectrum. With smart, successful people, they take the money and they purchase assets and those assets make money for them so their money makes money legitimately

so game number two online carding you buy a credit card for $5 to $50 from there they purchase the item and send it to a drop house you may have seen this

with the people who order pizza for you for half off so that was very detailed yeah what I don't know what he's talking about I was thinking about the details like I was thinking to myself I am going to trim that out

some of the like the details because I'm going to be like this is step by step how to do it because in his description it's like this is not the tutorial and and i'm familiar with that stuff and i was shocked at like the detail in it so that the bins and all of that people are that's where they go to get there's these sites and you go there to get credit card numbers right and um when you see when the bin is if you can see the first six numbers of the card and that identifies the strength of the card and they buy the cards and they'll put them on the phantom cards the ghost cards yeah and swipe for them or they don't

have to do that they can go straight on like what he was saying get the proxy the the VPN hop online and order this stuff and and rock out but he's he's I'm familiar with what those stuff way back in a bird friend or you can buy pizza for 50% off no website you're somebody you go to somebody he orders your pizza for no every everybody knows a scammer so you just I don't know any scammers well

you're not anybody right so okay so yeah so you have a friend and you know he's a scammer a swiper and and he's got access to all these cards he'll probably get the $10 cards to do the pizzas and the wings and all of that.

But he made it sound like you can call somebody, you give them 50%, they order the pizza for you. The pizza shows up. No, no. Although there are like Facebook Messenger groups where guys offered to do paperwork, documents, statements, bank statements.

And from those sites and the telegram groups and stuff, you can get guys to do anything. Fraudulent. based um okay so yeah it once again it you still have to show up to pick you still need a drop house well yes and they're ordering stuff they're ordering yes you start to pick it up somewhere same the same problem with the other i understand but the pizza stuff he said you need a drop house he said you still need a drop house to go where you can have the stuff ordered to oh when he's doing uh northstroms and apple and all like you still need a drop house yeah so that's a problem yeah so that's a

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so much time that when they tell you oh you just have to pay a one dollar shipping fee with your credit card you say ah and now they have your information Very smart. Huh. What? Very smart. What? That's the bait.

Yeah. The hook and bait. I just, I mean, yeah, the $1. Yeah. You just throw the, and it's the iPhone giveaway, the 60 inch TV giveaway. I just can't believe anybody, anybody falls for that. And that's the nature of the scale. Here's one.

I don't know how I came across this guy. It was like a YouTuber who got taken down or whatever. and I was making satire videos on another channel and someone reach out to me but anyways there's these people that create Roblox channels and they give you like Roblox that's a video game that gets kids play

or Fortnite, free Fortnite devucks free online currency for the game so all these kids go to these YouTube videos and it's like if you want a thousand or a million free things like this is all you got to do you click on this link in the description and it sends them to a specific link that sends them to just fill out surveys

but the companies will pay a very small amount to fill out surveys but they're not filling out the survey for their own good they're using this guy's specific affiliate link where they're basically filling out a survey for him so he posts a get a million free Robux video and gets a million views

and 20,000 kids click on there and fill out the survey for him and someone was showing me the backstage of it all like all the payments that were coming in and this guy was making a couple a hundred to a thousand dollars a day just by posting videos that you're like this is stupid like what what's the point of it but he's just getting all these kids to click on these links and fill out these surveys for them these kids that are like eight 10 12 years old that don't know

any better and then and then they never get the e bucks or whatever but i love it you know like the thing to me i can understand getting the survey information because i it so i'll tell you what I used to do. This is all way before this. I would run an ad. So we would run ads. Is there still a flyer? I remember the flyer. The flyer. Yeah, there isn't. No. There isn't. No. The plethora of information. The flyer. Do you know what the flyer is? All I think is a flyer is like a piece of paper. No, no. It was a little tiny newsprint magazine like this big. It'd be in 7-Eleven. Yeah. They had you walk into 7-Eleven and they got the little trip. little setup stand there you could grab the flyer and it's just people advertising stuff and giving

coupons and that sort of thing so local businesses would advertise whatever sometimes people would have half a page or a whole page some people have a quarter of a page would just say they're they're selling bicycle parts or whatever mattress right so it's kind of like um uh craigslist right so you would so we would run an ad in the ads in the flyer like a half page ad and it'd say um you know good credit, bad credit, no problem, home loans available, you know, free applications, you know, free would be really big and like red. And then it had a phone number. And so people would call because they think, they say, hey, what is this? You know, you're giving away home loans. I'm like giving them away. You have to qualify. So you would just take mortgage applications

and then we see if you qualify for a home. You know, we just, and then I'd say, let me take, let's take the application. And then they'd fill out a mortgage application. But they would give us all their information, name, data, birth, social security number. And they'd give me everything. And then I would, after owning the mortgage company doing that, we of course realize, and we're doing other things, we're running commercials, that sort of thing. But so when I started scamming, I did the same thing. I just ran the ad.

And I'd be in Georgia running an ad in Tampa, Florida with a phone number. And they would call and you say, yeah, what's going on? they say it called the ad you know you course you answer the phone you know United Capital or whatever the name you know diversified capital mortgage how may help you you know whatever you say and then you take the application but they give you all their information you know and then let's say I didn't have I could pull their if I couldn't pull their credit then you just call if you want to pull their let's say I don't have a way to pull their credit at that time because I'm a scammer I just call another mortgage company and give them the same

information. Hey, my name is John Paul. It's given the same information this guy just gave me. They would pull the credit and called me back. And they'd say, hey, listen, John, pulled your credit. You know, you have a great credit score. Oh, yeah, yeah, what are they? Oh, 705, seven this, seven that. Or they'd say, yeah, you got some problems. Did you have a repo a couple years ago? You know, you realize that. Well, if, so for a 150 or $200 ad that runs in the fly, for a week. I'm getting 50 people that call. If 10 of those people have perfect credit, that's, what are you paying for that? Nothing. Nothing. A 15 bucks for perfect credit. Now I can apply for their credit card. This was back in the day before you had notifications and all of these

things. But you could pick up the phone and call and I'm giving them their information. Like if that, let's say not that the credit card company would call their office. because credit cards company is not going to call the VA. You can say, I work here, whatever, but I'm giving almost all the same information except for maybe the address. And that's on the credit. It is on the last. It is, but what you could say is, you could also say, if you fill out the credit application,

you could also say give them all the information from their previous and their previous and then give them an address, let's say, in Atlanta and a new job in Atlanta. and that way it looks like you just moved three months ago. So, yeah, he does have a new address, but he's also got a new job. He obviously moved. He's got a 750 credit score. They're going to give you the, you know, and you gave them the phone number to call and verify not that they're going to.

And they're probably going to approve the card. They're going to send you a $20,000 credit card to wherever you want. That's how it used to work. Or you could do it down the street from the person too, you know, or you could do the other thing is try and get them to overnight the card and just wait for the check this guy's mailbox, something like that. But once you get the card, you've activated the card. So I could see why that information would be. But see, that's way more right down in the guts up. You know what I'm saying? Like it's as opposed to buying 400, 400 fulls or 400 credit card people's credit card

information, then going online and just ordering and ordering and ordering and hoping the stuff shows up. My way of doing it was very solid. I'm definitely getting the credit cards. I'm definitely going to get a mortgage. I'm definitely going to get a car loan. Like I could take over your whole life because I have that information at that time because it was, I got the information directly from you and I can ask you all those questions. And you want to give me the information. Yeah. It's all the information that they need. All right. And you want to give it. Here's the whole thing too is you want to give it to me. Yeah. Not like I'm trying to pull it out of you. You called me. Yeah. I'd have people sometimes like, I don't know if I should give you this information

on the phone, I'd say, hey, if you want, you can go to the, the website, you can do it online on the website, or if you want, you can, we can schedule an appointment. Where are you right now? Oh, I'm in, I'm in, I'm in, I'm in Brandon, Florida. Okay, well, you know, hold on. Yep, matter of fact, right, Brandon Boulevard. We've got an office. We can schedule an appointment right now. You can come in. You know what they said every single time I do that? No, I'll just finish. Now, bro, you know what? I'll, I'll, I'll give you the information. They don't want to, they want to talk to somebody. They don't want to go online. They don't want to, especially back then. It was like anxiety.

People weren't used to going online like that. They don't want to drive down to brain of those computers back. Yeah, yeah. And the fact that I'm offering lets them, makes them think, oh, this is legit. No, bro. They got a location right down the street. They got a website. I used to have a girlfriend who would say, she'd go, what if they ask for the website?

I'd say, well, I'll give them the website. It's universal, you know, universal mortgage.com. There is no. What if they go there and it's not there? They're not going to give the information anyway, so that's over. First of all, the website, so the website, if the guy calls back and says, yo, bro, I went there and they, what? Hold on. It's down.

It's down? Oh, yeah. Oh, wow, that's nuts, man. Thank you for calling. Let me, let me talk to my manager. Let me see what's going on with that. That's nuts. Yeah.

What are they going to do? They got to call the police? Universal Mortgages, websites down. It's down. We're shutting down. We're putting together a cash, but thank God you called us. Thank God you called. What are you going to do?

Nothing. Yeah, but I used to work the flyer too. I really like the flyer. My thing with the flyer was I had the ID connect back then. So I was doing the buddies, errands, renicenters, and getting a whole living room said without needing to see it. I just get real basic, but in good taste, delivering. room bedroom sets and i go to this storage and load it up then i go to buddies get that stuff loaded up same name i get the uh 99 dollar move in special wherever i could and then just all around that

area whatever renting places and put all of these different uh furniture and all of that in this storage and then i'd hop right on the flyer and i would sell it i'd have five six seven different profiles two different phone numbers. So they're delivering the furniture to this rented apartment. Yep. And you're selling it directly back out of it. So they, you're not even moving it to a warehouse.

Yes. Oh, you are? Arons is coming at 12 o'clock. As soon as they leave within 30 minutes, I got two guys and a U-Haul packing that stuff and putting it in my storage because at 4 o'clock I got Rent King coming. and they're not that stuff isn't in the house 30 minutes and I've got that moved to the and I got and I always have the same kind of standardized stuff I'm selling on there it doesn't matter the color with like a red leather couch you're never going to get rid of no you know but it's the same ad so great furniture gray leather such and such and I may not have that anymore I still got the ad in there yeah oh no I don't have the gray anymore but I do have But if you give me four days, I can get it.

Well, those are specialized orders. You got to go with the, it's like when we would flip houses, like you painted all the houses basically the same colors. You know what I'm saying? Because there's some, like you don't paint the house green, something crazy because people don't like you. There's standard beige, black, not the house, but I'm saying, you're getting furniture.

It's like you're getting very neutral, neutral, yeah. But see, that sounds like a job. That sounds like a lot. To once again, that's work. Yeah, and it is, but I delegate work very well. So, a hundred bucks, you know, 75 a piece gets two guys. The storage is monthly. All right.

And then each place has their down payment for whatever you're getting. God, if you had credit card, I mean, if you had, if you could get fake IDs, bro, you could fucking pack that place. Yeah. Pack it. And did. You get a couple, you get, you get some place that's 4,000 or 5,000 square. feet and give me a month and a bunch of credit cards, I'd have, I'd be tripping over, tripping over crap, a laptop in the bathroom for you. Especially the renting the place. You could rent a,

you could rent a, like an Airbnb, well, now, you know, you were probably the 99. Yeah, never poop where you, so everything's paid with cash that I have to close my eyes. Yeah, you don't want, yeah, You know, the vacant apartment, the $99 a week vacant department where it's got no furniture in it, that's better. Because you don't want people, people are going to show up. The mover's going to show up and be like, there's already furniture here. They know, they probably are no the scam. Like, they'll probably call right there. Yeah, listen, man, this guy's got all right away.

You know, I had a rental center place call my ad and was like, bro, just give us back the click. Cancel that ass. You're walking out the door right now. Yeah. That's funny. Yeah, but that's, I love. the flyer. I was also doing, what was the place? Mattress firm. They had a check system that was called scan back at that time. So all they did, they didn't verify funds. Obviously, they kept track of

those numbers at the bottom of the check, the routing account numbers. So they want to make sure that that set of numbers isn't delinquent in our account. So I could literally, when I printed up all my checks it would just they print up in a sheet the next sheet would i just move one number and sequence the number and i would live at mattress firm so i would sit outside look at a couple that's going in they look they look like they smoke pot they look kind of hip and cool and be like listen man i got a guy that works in the warehouse whatever mattress you pick out out there whatever the cost i can get you that at half price whatever the cost no no bull jive no nothing it's in the plastic is just out the we're just trying to make a buck and you would be you would be is for your

algorithm uh so you would be surprised that like the the amount of like straight laced people that would do it what i didn't like dealing with you know squita and all of that i i love dealing with the guys that are in the nice trucks and and i know he has an accountant job somewhere and they We'll cut a corner in a minute. You know, it's funny. I remember, I mentioned this before. I was at, in Home Depot one time where a guy came up to me. He was like, he had like a $500 gift card, give me $250, give, and I was in the middle

doing all kinds. I mean, I was, I was running fucking scant. I mean, I got, I'm always, and I was like, nah, bro, I'm good. I'm good. Look, I just can't like, no, I'm not injured. No, bro, it's legit. You can go check right now. It's got the, got the money on the thing.

It's like, nah, I feel like something. And I didn't even have any concept of the fact that he probably bought that card. with a stolen credit card. Like, I didn't even know how it worked. I just knew I didn't want any heat on me. I thought it might be a scam, even if it's not a scam. It doesn't matter. I don't want to be on video.

Like, I got my own scam where I'm making millions. I don't need to save the $250. You know what I mean? Like, I was, it didn't understand how it worked. Like, probably now if he had done it, I'd have been like, hmm, I'll give you $200. Let's do this. How many can you get me? How many can you get me?

No, I wouldn't do that. I wouldn't do that. Jess would kill me. If somebody, I can imagine, somebody walked up to me and Jess was with me. And I was like, well, how much work? Did you just buy that? Oh, she would be like, uh-uh, no, oh, this should get all fucking, uh-uh, I don't know what you're thinking. She's got a little black girl in her everyone's mom.

What are you? What? So, um, let's see. What else? Oh, yeah, are we doing this one? Yes, we're doing it. I like the furniture one. Like, that's very.

that that's very doable yeah you know i like the ones that are doable all right scam number four getting people to sign up for phone go into verizon at tmobile and buy phones under their name the desperate people give the scammer the phone and the camera gives the desperate person a hundred dollars that scam is so hot yeah i was gonna say well we had a guy on here who he was doing it massively he was going to getting homeless people he took a van and he'd drive around and get homeless guys you got an ID he's like because all you needed was an ID you could have over a 500 credit score and an ID and he'd get guys yeah they literally had like a whole company yeah he was he was running a division moving states working with yeah

also doing he was a drug addict but he was so good at it the guy running the scam actually sent him to drug rehab like three different times trying to clean him up because he was making so much money off of you're so good at getting these guys and running around and doing the whole scam and i'm willing to invest in cleaning you i'm gonna yeah he's like let's get you in a rehab bro uh like he's trying to save him yeah and so that's that's what i thought was funny like that's you know you're a moneymaker when your boss is ready to dump 20 grand into a rehab but that scam is like the the phone companies they're all over it yeah they're all over but he was doing this probably 10 or 15 years ago right like like i like i now

I think it's so like they're getting sharp they're looking at the length of the account they're brand new account or here's a phone you know maybe after 30 days

you know we'll release whatever but they're just getting hip I was locked up with a guy who was I think he he owed he owed Apple like I don't know a million or something I forget what it was but

gosh his name's on the tip of my tongue He's in Miami. I've talked to him since I got out. He did the same thing, but what he was doing was he was having people open up a corporation. And then they would go in with the corporate paperwork. And they were getting 10 lines. So they could go to multiple places and get like, so they'd get like 20 or 30 phones for one. So he took that one, hey, you can get five phones and turned it into like 20 or 30.

the name it's like it's not Duvall it's uh du me his name was Dumay uh anyway so yeah he would he would do that and i think eventually they caught him i don't know they've changed that system so now but that was at that time i don't know what it is now yeah so now like the each place has such limited capabilities of what they can do right like you come in you scan an ID and then they hit on a tablet for all of its functions but all of that stuff you're getting they're getting approved for all of these AT&T Verizon they're just

kind of satellite companies to Big Brother now so you're not going like you go here and do this you go here and do that well they know you know this and what's happening it's all being connected six just walked in six just walked in the store there's emails there's

don't sell him anything because you imagine you walk in and you walk up and they go what's up sex nothing just want to know if I can get glass water nope there's no you can't buy water and hear sex scam number five the bank loading scam this is the scam you see on Instagram where someone says I'll put 10,000 in your bank account today just give me half they do this by finding the account and routing member of any legitimate business checking account you print them on a check and they will load 10,000 into that bank account

the other people are involved in the scam, right? Like, you know I'm giving you this fake check, right? Is that right? Like, you know, you're in on it, right? You know I'm giving you a fake check. Yes and no. It depends on like the scammer and his story. Because like all of it's going to be,

it's not magic money. Right. It's coming from somewhere. And like he's saying, remember I was just saying I'd go to the different mattress places and change up the number. Right. Well, it was using programs like that, Versa check, check soft. So the reason why they're asking, hey, you got a Navy Fed, hey, you got a Chase, because they know their policies.

Right. They know that a Chase to Chase check, their clearance time is different. They'll clear that within 24, $40,000 because it's our bank. We'll clear it. Then down the line, they're still doing their verifying, and they're, hey, I didn't write that check. So then that's one that it minuses. But because it's Chase to Chase or Navy to Navy, and the fraudulent comes in because obviously they created that check. Even though the routing a number is right, that count number is correct, they created that check.

So you're definitely going to be liable for that. What's interesting is I think I might have already told you this that one time I got a phone call. Well, I got an email from somebody who said, well, first, they hit us up on Etsy. I have an Etsy account where I sell paintings. So they hit us up on Etsy. I also sell signed copies of my book. but they hit us up on Etsy and they are like really I really like this painting and it was I forget that how much maybe 600 bucks so it's $600 and because I forget the exact numbers

but let's say it was $600 and they said you know hey um is there any way we can do this off of Etsy like you know sir here's my email address they hit me up on the email and then they were like look, I'll send you the $600 and I'll get a cashier's check. How much is it? Can you please include shipping? Yeah, yeah, yeah. So send me $600. It includes shipping or $700, whatever.

So they sent me a cashier. They said, we're mailing you a cashier's check. Okay, cool. I think the reason was they didn't have a credit card. That's why they wanted to do it just buy a cashier's check. So it was like, okay. So they had a reason and it made sense. So, yeah, send me the cashier's check.

So I gave an address to mail the cashier's check. two. And then just before we got the cashier's check, they hit me up and said, oh my gosh, my uncle is the one who got the cashier's check. He was supposed to get a cashier's check for the $600 and another $800 for my brother. He ended up getting, he's older. He ended up getting one cashier's check for $1,400, let's say. You know, but I really need that painting because it's for my son's birthday. Could you do me a favor? Just go ahead and deposit the $14,000.

Have you heard this? The $1,400 and just send me the painting and then mail me a check back or can you just cash at me the money back? I, of course, read the email and immediately thought, like nice, it's funny that you would end up doing this with me. And I tell Jess, we were in, I remember, never forget, we were sitting in the Starbucks line at Starbucks. ordering coffee.

I listen to this, and I read it off to her. And she goes, oh, well, that's trusting of them. She's like, and I went, what? She said, no, I mean, it's like super trusting that they, they're, they're okay with you just sending in the cash apping 800 bucks. She's like, I mean, obviously you'll do it. And I went, no, no, it's a scam. She says it a scam.

And I went, the cashier's check is fake. It's a fake cashier's check. I'll deposit it and it will clear immediately, because I've had my account so long. Your relationship. Right. So they'll clear it. And before the bank knows, the bank,

I'm going to have sent them back the $800 cash app. And she's, I'm like, because the bank will immediately give me, maybe not all the money, but most of it. And really, to be honest, in a few days, they'll give me all the money,

probably before they even realize it's a fake check. Oh, absolutely. So, so she was like, yeah, but they don't, but the bank doesn't give you the money. the bank only gives you money once they know it's real I said no baby that's not how it works so I explained the whole thing

to her and she's like are you serious and then I ended up dragging it out for like a week or two fucking with the person I really gave him a hard time but I've been hit up by that scam six more time since then so it must be everywhere they're going through and I there's videos on it too

they're going through um through all of these these small business kind of like Etsy places where the individuals are selling items and they're saying, hey, I want to buy your thing for 200 bucks. I don't have a credit card. Can I just mail you a cashier's check or a check or whatever? And then when you get it, most likely, it would have been better if they'd sent me that.

And then I'd, if I was them, I would have waited to get it. If they'd donate this way, if they'd mail me the cashier's check. And I was like, whoa, it's for way too much money. I would have then said, yo, bro, you made it. it out for too much money, they would have said, then we could have had a conversation where it was like, what are you talking about? It's for this much. No, it's not. Then I could, they would probably lose the average person. You've got a good heart. They would lose, if they send it and I anonymously get a thousand, not anonymously, but you don't send too much money. I might just ig your calls and

emails now. I'm thinking I got over on you. Okay, that's true. But I think that I, for me, I would have contact. I would have been like, oh, you sent too much money. I would have been like, no, no, I thought you said, blah, blah, or I would have said, hold on, let me check with my wife. Holy shit, bro. My wife fucked up. She sent too much. She got the thing and I'm mail. I didn't even look at it, man. I'm so sorry. Can you just deposit and just cash me the stuff back? Because it would have been more, the way they did it felt scamming. Yeah. Because before I even got the check, it was, hey, by the way, we made a mistake and they had a whole thing written up. And it was like, it would been better if I contacted them to me because then they would have been like what

then they could have been like no what are you talking about it was for this month let it happen organically organically I think they would have had a better chance and also it was it was too high of an amount like the a lot of these people they get greedy like 800 bucks a thousand it's like what are you doing if extra two 300 bucks if it was an even thousand dollars and you can see where you went and got a right because if they looks better keep in mind if it was a painting. So I included the shipping. If they had just taken basically the shipping of a couple hundred bucks, let's say, and said, oh, wow, man, I'm so sorry. I explained it to my wife. She didn't understand. She added the shipping on top of the 200, not realizing the 200 was

included. My bad. I really need that painting. Is there any way? And the other thing, too, was if they had switched it to the phone, like, hey, like, can we just talk on the phone? phone real quick. Then, because when you hear a voice, you think you know that person. That also would have built trust. Like, hey, man, I'm so sorry, bro. Here's what my wife did. Boom, boom, boom. So sorry. But I really do need the painting. Any way you could just send it back, cash at me the difference and send me the painting because I bought it. We're buying it for my son's birthday. He loves that painting. All of that would have made more sense than the way they went about it. Yeah. I just hate sloppiness, you know. I envision like these people that do this

check thing, and they just come up with stuff. And they're just throwing it out there. They've got 30 emails. They're trying Etsy. They're trying offer up. They're changing up. Their own marketplace, because that's all they do. Like, that's their hustle. And they change up. They innovate and stuff. We're hearing about stuff that they've been on. For years? Yeah, that's their three-year-go hustle. They're on some new stuff. that we haven't figured out so listen when i was a kid when i was like they dated i was probably 19 oh so this was yeah yeah this was before before the internet nobody even knows what that means they didn't even understand like before the internet before cell phones there were sticks and stones

we had pagers we had pagers listen oh i read it about pagers and stuff. I wasn't, I'm not that old. 19 years old and I had a pager. And then when I first got it, I had to hide it from my dad. Wow.

I don't know why. I just thought he would hit it, right? Like, um, you didn't want him to think you were a drug dealer. I don't, you know, it wasn't even associated with drug dealer.

You know, who had pagers back then, like doctors, you know, people that you had to be doctors, you know, not I want to even say lawyers, like a doctors.

Huh? You're not that old. Yeah. Yeah. They had like this. I grew up with the pagers. but like all the, you were important if you had a page. Exactly.

You were important for a few years. And within a year or two, it hit mainstream. That's by the time that's when I got it. So I ended up getting a pager and, but that's how that's irrelevant to the story, to be honest. Anyway, I was looking for a job. And so I go to this, I go to the job interview. It's so funny because I literally drove by the building yesterday.

It was in Temple Terrace yesterday. So drove by, when I was looking for the places, drove by that old building and I were, you know, kind of glanced there and just remember, that's probably the only reason I'm remembering this. You might have heard this story before. I don't think I've told this, though. I go there, I get a job. Matter of fact, you've got to have heard this guy. I know I told somebody this twice. You've heard it. I was dating a girl named Amy. I'm not going to mention her last name, although I want to. So Amy and I go. to the job interview and she's standing in the hallway and I go in and when I go in I sit down and the guy's like yeah so you need a car it's basically it was it was delivering and picking up is what they said delivering newspapers and picking them up but it's it was it was called like the medical like the the Florida medical magazine whatever and I was like okay and they said yeah yeah well right now what we're doing is we're just having you go out and you'll go out and you'll deliver magazines and you'll pick up checks I was like okay and I was like okay that's all

I have to do he's like yeah you just have to be able to keep in mind there's no way nobody understands any of this there was no there was listen there wasn't just like google maps oh there wasn't even no yeah this there wasn't even map quest wasn't even or that's he didn't even know what a map quest is that was the first form of google maps map quest there wasn't even map quest because there was no internet there were atlases you open or your map you folded it out you looked up the ads Address. Set it in your lap.

You figured out. And the address, the street or address would have like a little, you know, it's H 17. You find H, the block H. And then you go, okay, so it's here. I'm here. Oh, that's up by I4. So I know how to get that. Yeah.

Get off on the Martin Luther King. Okay. Insanity, bro. I can't even, I don't know how we found anything. I know how cars weren't just banging into each other. Constantly. So the point is, is that I would drive. So he said, all you got to do is find the address, go there.

You show them the magazine. He says, and we'll have the magazine. And he had a magazine he gave me, which was beat to crap. It was really beat up. Like, this is a magazine. It was like, this thing looks like it's been around forever. He said, yeah, give them the magazine. Show them the magazine.

And he said, we don't really have any. We're out this week. So this is just one for last month or whatever. but it looked like it'd be beat through hell, bro. And it was newsprint. It was just like something that had been passed around. He's like, show them the magazine and then just pick up the check. And it was like, okay.

Like, I didn't understand. He's like, and what they were doing is they were selling advertisement in the Florida medical magazine. Whatever. Okay, whatever. And that's all I got to do. Yeah, yeah, you make, I forget how much you made. And he'd give you gas money. And okay.

So he gave us a few addresses. And then we called back after. we called back. So it was me and another guy. He said, I'm going to have him drive with you for the first day. So this guy, we drive around. We drive to an address in Brandon. We pick up, go in, show them the thing. They give us a check for 500 bucks. Made out to Florida magazine, whatever. Okay. Drove down the street to another one. They gave us 500 bucks. Drove to another one. And as we're driving, so by the way, this is funny. One thing real quick is that my girlfriend was waiting in the, in the hallway when I walked in and talked to the guy and another guy walked in after I was there so I'm being interviewed by you and another guy walked in and while we're talking he goes who's the chick in the hallway bro

to this guy and he goes he is what do you mean he said I don't know and he goes yeah brother's a fucking hot chick in the standing in the hallway I go that's my girlfriend and he's like he's like oh sorry bro he's like nice job and he's like so these are very just the one guy was probably in his 30s or 40s. The other guy was young.

It was probably in his 25 years old. But they were both, they had a hustler feel about him. So they give me a couple of addresses. Me and this other guy, we go and drive around, pick up this, pick up here, picking up checks for 500 bucks. We must have picked up a few thousand dollars with a checks. By the end of the day, we've picked up maybe $3,000, $3,500 worth of checks. drive back, give him the check.

But on the way, throughout the day, the guy I'm driving with, he, I'm like, how long you've been working here? He goes, two, three weeks. And I go, okay. And I said, they're going to give me gas money. And he's like, yeah, I'm like, okay. And he's like, he said, what did you think of those guys? And I was like, I don't, I don't know.

I'm only 19. I was like, I mean, what do you mean? He's like, they're going to seem, something fishy to you? This is an older black guy, by the way. He's probably late 30s, early 40s. To me, that's like I was, I was 19. That was an old, old guy. Yeah, that's dead.

He has something to seem fishy to you about them guys. We're driving right. By the way, I'm doing this in my Mustang 5.0, which probably got 11 miles to gallon. So I'm like, what do you mean? He's like, yeah, mine, like, he's like, you understand that they're in that building? They rent that. Like, that's not like an office, a normal office. and everything by the way they had was folded up like fold up tables like you know the tables where

the like card tables you get folded up and walk what i mean fold up chairs he's like that's all that you know when you walked in that furniture that was in there that's all they got fold up stuff and phones he's got like four phones four phone lines and a bunch of chairs in this them two guys there was like i think there was another person one or two people in the back and i was like well i don't know. He's like, why are we going to pick up the checks? Because I've been doing this a few weeks, man. He's not picking up thousands of dollars every day worth of checks. He had picked up like, fucking nine grand one day, two grand one day, seven grand. And I'm like, oh, I don't know. Like, I don't know what a scam is. I'm 19 years old. My 90% of my thought process is about getting

laid. That's all I'm thinking about. Right. And I'm like. And gas money. Yeah, and gas money. I was concerned about gas money. because they weren't paying anything. They were paying like $10 or $8 or an hour. Because at first I was thinking it's good money if I get gas money. Like the $10 is not great money. But I was going to make like $8, $75, $80, you know, maybe $100 a day, five days a week.

Man, that's all. That's money. That's money. And so we're talking and he was like, yeah, this is not every day. I've been working there two weeks, maybe three days one day, four days one day. I was like, oh, he said five days, five days a week. He's like, yeah, this hadn't been like that. He's like, but he said it's going to pick up.

That's why he hired you. He said, so it's going to be you and me in a couple of days. And I was like, and I said, well, what do you think is? I think it's a scam. And I go, what do you mean? He goes, I think something's up, bro. I think we're picking up checks that these people could have mailed in. Why are we picking up checks?

He said, have you looked at this magazine? And he's flipping through and he's reading the articles. and as he's reading one of the articles, he's like, there's no dates in the magazine. This thing's been around forever. They got like me, four of these they give us. He said, we're supposed to be delivering a copy of the magazine. But when we get there, they tell us, don't give them the magazine.

Tell them this is a copy from last month's copy, and it's the only copy you have, and that we'll mail them their copy. But this is my copy, and I got to go show it to somebody else, so don't give it to them. And I'm like, I don't, so. I'm sorry, I still wasn't formulated. He didn't quite understand any.

So once he broke it down, he says, I think these guys are calling doctors offices saying, hey, you can advertise in the Florida Medical Magazine for 500 bucks. You get a half a page, normally $1,000, whatever. He's like, they sell them something. They then make a dummy ad or something. something, they fax it over to them. And if somebody says they got a 500 bucks, because he was told to say this, by the way, we'll send someone to swing by and pick up the check. Because

if we don't get the check now, you're not able to get in the magazine. And then next month's magazine, you won't get the discount. So if you, right now, we have advertisement space for 500 bucks. We're discounted it because it's about to come out. We're selling. But next month, if you're in next months, it'd be a thousand. I don't like that. Right. So he goes, hey,

we got somebody in the area. They'll swing by, get the check. And it's $500. And he was like, 500 bucks to a lawyer or to a doctor is nothing.

Yeah. He was, and it's made out to the magazine. But they, he goes, they just, he goes, it's a DBA.

Listen, the black guy. You know, some white 19 year old doesn't know shit. I'm upper middle class. I've never been around. He knew what was going on.

And he was like, yeah, something's fucked up. So we're looking, he starts reading the articles, by the way, one of the articles was about contact lenses, the new rubber eyes or some kind of contact lenses. And he said, my sister has these. She got them 10 years ago. This is talking about how it's revolutionary and about to come out. This article is about like everything was old

articles that he said, and he scoured this thing for fucking 20 or 30 minutes before he could finally find a date. He finally found a date in an article. And the article was written like nine or ten years ago. And he's like, this is saying that next month and look. And then he had the date and you were like, oh shit. The whole thing they'd put together this. And it was a big, right? Like it looked like it was a big kind of like they don't make magazines like this. But it was newsprint kind of of those medical journal things. Exactly. Yeah. It was maybe, you know, so many. But it looked like it could have been if it's brand new

it was like okay this looks legit he thought he was like I think they put the whole thing together I think they got somebody to open a DBA which was kind of common I'm not sure how common they are now

you could go open go to your bank account and say hey I'm also have a business and my DBA is this DBA Florida Medical Magazine I put out a magazine and they go okay

and people could write a check to Florida Medical magazine and they deposit it in his personal account so he said I think these guys got somebody to open a DBA

and they're just having money put in. He's that I'm telling you right now, this guy told me in the last two weeks he's, I've collected fucking, you know, $30,000, $40,000. We picked, we collected, whatever, $3,000 that day,

however much, I forget exactly what. It might have been $2,500. It might have been $3,500 that day. But so we went back, by the time we got back at three or four o'clock, I walked in and I said, can I, uh, the guy gave me like $20 to fill my tank up.

First he gave me like $10. And I went, that's not going to fill my tank up. I had a full tank this morning. It's almost empty right now. He gave me like 10 bucks and I said, that's not going to do it, bro. I said, I'm driving a Mustang 5.0.

The gas is gone. It's empty. Oh, okay. He gave me another like 10 bucks. Like 20 bucks filled your tank up back then. Give me like 20 bucks. And then he actually, I think he wrote me a check or gave me cash right then.

And I think the guy, they were, so he gave it to me right then. I never went back. The next day I didn't go back. But absolutely. They were running a scam. And if you think about it, It's a great scam.

It was a great scam. By the way, the young white kid who was probably 25 or 28, maybe, whatever. He was definitely older than me, but at the time, I thought he was like an older guy, but he was probably 25. Like, he wasn't that old. I was at a party a month or two later, and I saw him. So I'm at a party. I see him, and I'm like, I've been using Mando's whole body deodorant.

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Like, he's ready to bolt. Yeah. And I was like, hey, yeah, yeah, remember I was driving the thing? I came. He's like, oh, yeah, yeah, you never came back. I said, yeah, yeah, yeah, with the hot girlfriend. I said, yeah, yeah, that's me. And I said, hey, I said, what's up with that whole thing?

He's, what do you mean? I said, that magazine don't even exist, right? Like, you guys are just collecting checks, right? He's like, listen, the magazine's coming out. We're having some issues with this month's copy, but it's coming out. It's coming out. The issue, you know, it's coming out. He said, it's definitely coming out, though.

It's coming. Like I was like, nah, man, I said that, I said, the guy I was driving with, he. I said, we figured it out, bro. For a limited time at McDonald's, enjoy the tasty, breakfast trio. Your choice of chicken or sausage McMuffin or McGrittles with a hash brown and a small iced coffee for five bucks plus tax. Available until 11 a.m. at participating McDonald's restaurants. Price excludes flavored iced coffee and delivery. The new BMO ViPorter MasterCard is your ticket to more. More perks, more

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It was a scam. Like, I tell him, like, it was the artist, he's like, I don't know what you're talking about, bro. Like, that's a legit magazine, man. He wasn't even acknowledging what you had found. Yeah, yeah. Yeah, he would, like, he was definitely a scammer. He was probably the first legitimate scammer I ever knew. What was his name?

Brank, he didn't, I don't know, is I can't remember anything. I don't even know that it was called, I don't even know that it was called Florida Medical Magazine. It was called something, it was medical. It was something to do with medical. Something real official looking. It, it sounded legit, but if you, like, if you knew anything, and I'm 19, I know nothing. So I walked to this place and I walk in, like, it didn't even occur to me. I thought it was, paying you for something. Sounds legit. I did think like, I was like, that's weird. It's this flimsy that they got this equipment. There's some phones there and this is maybe they're just starting out. Like I don't really know like and I didn't really know what they

wanted me to do. You're just ready to get a paycheck. Yeah. Like you're, I have to do what? And so yeah, you go pick up this. Like we're selling, we sell, you know, we sell advertisement, blah, blah, and it's like, you know, and they had a whole thing. We just started out. We just got here. We're waiting for our furniture to come. They had a whole story. But of course, the other guy had been there for two weeks. It doesn't take two, three weeks for your stuff to show up. You know. So it was interesting though. Like looking back on and I thought wow these guys are real scammers bro if I could turn back to I'd get right and listen guys I know that you know that you'd be great on the phone too you could have worked

it you know yeah but that once again that was work it was super lucrative but they and keep mind too imagine back then these guys wouldn't even put the money in to get a magazine legitimate looking magazine the truth is still working well You know what the funny thing about that whole thing is? Legitimately, if you had a real magazine that you were issuing every single month and you were selling advertising it and it was all bullshit and the articles were being pulled from other magazines put in there, what they were doing technically isn't illegal. But these guys and or you could even if it was, well, that, if you were actually, issuing a magazine. There's publication rights that they would have to. Yeah, but that's civil. I'm saying you're selling. I did have advertising. I sold you advertising.

I did put a thing in here. I did sell. But of course, they're telling these people they have a, they're probably just, it's still fraud. Forget what I said. It's still fraud. Because they're probably just blatantly lying. We have number one on the booksellers list. Oh, five years in because they're saying they put these in medical offices and hospitals. And they probably said, we have over a half a million subscription base. These people think they're getting advertised. So, yeah, that was wrong. That was wrong.

That was stupid thing to say. There's no way it's legit if they're lying. And they're probably lying to these guys. But these guys wouldn't, the kind of money they were making, they wouldn't even invest into reprinting those magazines. Like, why wouldn't you guys? But see, back then you couldn't do that. Now I could put together an entire thing that looks exactly like a magazine.

Send it to a printer. they'd print it out, send me 100 copies, and I'd have less than $1,000 into that whole thing. I'd have, well, not a thousand copies. They'd send me 100 copies, and then you're driving out, picking up checks. You could give these people. Oh, yeah, yeah, here's last month's. By the way, here's last month's copy. Just wanted to show you.

Your article will be like this. And it's already everywhere. Yeah, yeah. So you'll be in the next copy here. And that's the whole thing. If the doctor came out and asked you, what's our thing going to look like? You're supposed to have the magazine so it could do it. Luckily, nobody did that when I came.

but you could do that now. They wouldn't even invest in that. They had a magazine. I shit you not. This thing looked like it was a year old. And they were probably doing this for two months until people started complaining and then they would leave and they'd go somewhere else. They fold up their chairs.

Their seven chairs. Get all four chairs and put a U-Haul because they don't have a truck. They throw in the back of the church. They probably just called me and say, Cox, can we throw this in the back of your car? We're going to move in locations. You got gas money? Yeah, I need gas money. gas money can my girlfriend come all right that was it oh she can especially come oh yeah yeah so

yeah bro like i in that like that's a dope puzzle yeah i wonder like wonder that would that's no way that would work now right well no one has magazines in there who's calling who's advertising the magazines yeah that's true why would you that would be well some people are met no who there are there magazine? No, there's still magazines. Yeah, yeah. People, I've seen time. But it's like, those are novelty. Like people will buy them for magazines, for the, for the coffee tables in businesses, for your magazine rack on the can. So they're paying these chicks or somebody to sit in the back room and just call doctor office after doctor's office. First of all, how are you even going to get in touch with anybody at the doctor's office? And they probably had a lot

going on back then no no i'm saying when you're calling and saying hey can i talk to the doctor like you're not getting the doctor on the phone they're not getting on the phone but hey we sell advertisements yeah okay click so what it they had a whole they had a few people that were doing that cold calling yeah on that up more card tables yeah uh folding chairs in the backer i didn't see really get to see them but so they're obviously calling but they were clearly they were picking they were making thousands of dollars a day they had a nice thing going yeah usually the audacity of scams usually get you. Yeah.

Get you paid. So that was interesting. That was a nice little hustle they had going. I love, well, boy, I bet that guy's got a story, right? That guy's going to be like, listen, we ran that medical hustle for 10 years. The internet killed us. So what do you do now? Now what we're doing.

I need that guy. Scam number seven, propoff. If someone gets access to your fools, name, date of birth, social security number. Security questions like mothers made a name. etc. They can apply for credit cards and your name. That's how, yeah, that's what I did was I would give people's information, build a credit profile. But I was getting people's information that they were like homeless. They had no credit profile. They had nothing or they had bad credit and I would pay off their credit cards. The problem with the problem, and he, like he said,

it takes a lot of setup. The good and the bad about mine was that it took, it takes a, a certain amount of money to do it and it takes time to do it but once you've done it it was fairly safe after that point the problem is complete control complete control but you had to wait you had to you to acquire their information you had to build the credit profiles uh by getting credit cards making the payments on those and then after six months or whatever you've got credit um you have credit scores and then you could borrow money credit cars do everything you wanted and these guys where homeless guys who are living under a bridge, they have no idea what you've done. So that was extremely profitable and safe.

You know, he's acting like it's not safe. It depends on how you do it. If you're stealing real people's information, it's not safe because they're going to get notified that something's wrong. Yeah. So he was saying that get the profile that's already built, established, yeah, stolen credits. Stolen IDs.

Yeah. I'm sorry. Stolen identities. Identities. Yeah. Yeah. Well, I wasn't really homeless, but like I would use prisoners and get those IDs, especially the long timers, and get those identities and build and build their credit and stuff. Right. Similar, very similar. Which is also safe, which is also because you, you've got a real person that is just not in a position to even check or complain or do anything. Right.

The problem is you have to you have to then go out and get secure credit cards. Then you have to maintain those credit cards. Don't really put anything on them, very little on them. And they have to make the payments for six months. And then it gives you a credit profile. Now you've got you're in charge of a profile that has good credit, but now you have to try and borrow additional money. So then you need to be able to establish employment that the bank might need to call

and verify, you need to come up with W2s, pay stubs, with year-to-date pay stubs, like real pay stubs. These are all things that are most people, it's out of their wheelhouse. You have to be able to get some kind of an ID in that person's name that you might have to have scanned. So you probably either have to go into the local DMV and get one or have a person, like some website that makes an ID for you. and then you have to be able to have it scanned or something like is that going to pass the scan right or you might have to go into the local if you wanted to go to local bank and try and just get it you obviously you'd be able to hand them the ID they look at it like that's a whole thing do you want to be involved in like there's a lot of risk but if you could set it up right it can be

extremely lucrative and with credit I know now um the length of time because CPNs are so big so they've made the adjustment where they don't just want a credit profile that's a 750 how long have you had that credit so the length of time that you've had this established credit is big yeah i've just recently um a friend of mine he's young he's 20 and he's got you know just over a 700 credit score but the length of time that he has so no one wants to give him a loan even though you have a good number yeah because of all this other stuff and and they're they've tightening down on that stuff too so well scam number eight spamming bank law They essentially use fear and make you think someone's taking control over your account.

Instead of sending your username, password, and two-factor authentication code to the actual bank, you're sending it to a scammer. So that one right there, I watched a video where this woman who's 60, this is what, 67 years old, let's say, she gets a phone call from her bank, SunTrust. And she was with SunTrust. And they're like, hey, this is so-and-so from SunTrust. We just want to let you know, did you just wire transfer $800? to whatever and she was like no okay um hold can you please hold i'm going to go ahead and stop it

someone was trying to wire money out of your account and so we just put a stop to it and they'd say okay and they'd hang up the phone they'd call her back and say okay we've got another wire trying to go through listen we're going to we're going to close your account and transfer your funds to another account um and so they would say we need to go ahead and had to verify your identity. To get into this account. Right. So you're going to get a, you're going to get, we're going to send you a pen number or code

or whatever right now to your phone. And can you please tell me what that pin number is? And anybody who's ever called their bank, they do this. Yep. The difference is. But they use the beginning time. They got the login stuff. Now they logged in.

This person's actually. And then the pins come in. Wow. This person's already on the, the on the phone or on the computer as you, with your real bank. And so when your real bank says we're sending your cell phone a PIN number, they're sending to the real person, they're on the phone, the real person's on the phone with who they think is their bank.

And they're like, okay, we went ahead and sent that. Did you get that yet? And they're like, yeah, I did. Great. What's the number? And they go, oh, 1993402. 3402. We're in.

Boom. Now they're in. So they go, okay, thank you. We're going to give you a call back. you know, we're going to go ahead and put us and stop the transaction and we're going to, you know, we'll let you know, you know, we're, whatever, they close it up. They hang out the phone. They call them back and they say, okay, we're going to go ahead. And what they've done is they've already gone into your bank and they've wire transferred out money. Now, if it goes,

then they call you back. So let's say they send out $2,000. If it goes through, they call you back. hey listen they're they're they're they're they're they're we've tracked it down here whatever they're trying to do this again they're they have a whole another they're still trying that these people are still trying to wire money out we're going to have to close your account we need to re-verify uh your number we're going to send you another pin number they send another pin number they send another fucking pin number they're hanging out boom they just now they send five thousand dollars it's like boom went through perfect great call them back like they do it over until they wiped your account

Or until you eventually, eventually some people will get, like, worried or whatever. And they say, no, no, we've stopped it. We stopped the wire. And at any time, if this person were to go online and check their account and see the money's going through, they'd say, yeah, no, no, don't worry about it. We've already stopped that. That's what, like we said, these people are trying to wire. They think they're talking to the fraud department, their own bank, and they're really giving the scam or the pin numbers over and over again. So that, that's, that was a scam.

And what was so interesting about that was there was a, the, the news program I saw that had done it, the person lost, I want to say, $80, $100,000 and the bank wouldn't give them the money back. They're saying, wait a minute, I got scammed. They're saying, you were giving them the PIN number. Yeah. Like, we have, we have a system in place. And these people were calling you and you were giving the PIN number. are like, we don't call you. You should have called the bank.

It's hard for them to discern if that's just not your home boy and you're giving them the pen. Right, right. So they wouldn't give them, you know, hopefully, eventually the bank did give it, give them their money. You know what I'm saying? They legitimately got scammed, but that was a scam that was going on. And they had multiple people.

They had just one person that wouldn't give them money back. Some of them were smaller and they gave the money back. But can you imagine this person lost like their life savings? I've definitely received that text. like I've gotten the bank alert or something, I just swipe past it. I ignore everything. Yeah, I'm not an alert, swipe. Yeah, the only thing I'm interested in is I contact my bank.

Yep. You know, if somebody called and said, hey, we're so and so and so we want to talk to you about such as a, okay, just hang up and then I'll call the bank. Any text that has me to do any kind of action, I'm never clicking links. No. For anything, unless like one, like it's, you know, Amazon. And then usually in those, it's a whole bunch of Amazon's in that text link. So I've clicked that link before.

So this is, you know, this is that feed. But besides that, yeah, I call my bank. Any issue I'll call. I have an app. I'm savvy. So I'll hop on the app and look through activity, notifications. You guys sending me any message? Let me call this 1-800 number because now it's not like 30 years ago where you call during

a day and you got to wait on the phone with the bank. for a year. They got an Indian ready to talk to you right now. They've got an Indian. I don't get that either. Why do I press English and get a guy that barely knows? Uh-huh. Hello, this is Tom. No, Tom. Thank you. No. You lied to me from the first sentence, you lied. I don't trust you, Tom. Well, it translates to Tom. My real name is Pakanthal. You can call me that if you want. No, okay, Tom. And I love Indian. Most people, they're awesome. I guess you.

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