Matthew Cox | Inside True Crime Podcast
Credit Card Scammer Finds Unlimited Money Glitch!
Sat, 01 Feb 2025
Ghost B shares fraud stories from his past. Ghost Links https://www.instagram.com/ghostpeso_?igsh=eG9nYWN6OXo4NTZn&utm_source=qr https://www.youtube.com/@UCxTFGt7TEkOKP7M0_RmEkeA https://www.instagram.com/ghostpeso?igsh=aGN5eGswNDd3bmhz https://music.apple.com/us/artist/ghost-billy/1501338176 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 Get 50% sitewide for a limited time. Just visit https://GhostBed.com/cox and use code COX at checkout. Do you want to be a guest? Fill out the form https://forms.gle/5H7FnhvMHKtUnq7k7 Send me an email here: [email protected] Do 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/re Follow me on all socials! Instagram: https://www.instagram.com/insidetruecrime/ TikTok: https://www.tiktok.com/@matthewcoxtruecrime Do you want a custom painting done by me? Check out my Etsy Store: https://www.etsy.com/shop/coxpopart Listen to my True Crime Podcasts anywhere: https://anchor.fm/mattcox Check out my true crime books! Shark in the Housing Pool: https://www.amazon.com/dp/B0851KBYCF Bent: https://www.amazon.com/dp/B0BV4GC7TM It's Insanity: https://www.amazon.com/dp/B08KFYXKK8 Devil Exposed: https://www.amazon.com/dp/B08TH1WT5G Devil Exposed (The Abridgment): https://www.amazon.com/dp/1070682438 The Program: https://www.amazon.com/dp/B0858W4G3K Bailout: https://www.barnesandnoble.com/w/bailout-matthew-cox/1142275402 Dude, Where's My Hand-Grenade?: https://www.amazon.com/dp/B0BXNFHBDF/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1678623676&sr=1-1 Checkout my disturbingly twisted satiric novel! Stranger Danger: https://www.amazon.com/dp/B0BSWQP3WX If you would like to support me directly, I accept donations here: Paypal: https://www.paypal.me/MattCox69 Cashapp: $coxcon69
Chapter 1: What was the first scam Ghost B attempted?
$60,000 spending limit every day. I'm hitting stores, hitting stores, hitting stores. It's like we struck gold. That's the Trump Hotel. I go inside the penthouse. I thought I cheated life. I'ma just keep doing this till I get a million dollar house. I'ma get married and I'ma just do this forever. The first scam I did, I was in a house one day. I'm on a computer. I'm on eBay.
And eBay, it had a checkout thing called Bail Me Later. And I remember they used to ask for like the name, date of birth, and social. If you could put in that information, I guess you can pay. You could pay with your social, basically. I remember I did it. I seen it at checkout. I was doing something else, and I seen it at checkout. So I went and I added an iPhone to the cart.
And I did the process. I forgot whose social I used, but I had somebody's social at the time. I'm not really sure where I got the social from, how I obtained it, but I put it in, and it went through, and the iPhone came in the mail. And I was just like, oh, wow, it worked. I was just freaking babbled. So I'm like, okay, that's what's up.
So I had a girlfriend at the time and her mom worked in the office where she dealt with people information, social and stuff. So one day I went to her, I'm like, oh, you think you can ask your mom? No, I was just talking to her about what I found out and what I did and stuff like that. And she was like, oh, my mom worked in a customer service thing.
Chapter 2: How did Ghost B acquire social security numbers for scams?
I think I could get you some socials and stuff like that. And I'm like, yeah, that's perfect. Like, whatever she give me, I could break you off money and stuff like that. It sounded good. We excited about it. So she went to her mom, and she had a cool mom. I guess her mom started giving her soul shoes. She used to give me on these little...
um yellow um post sticky postings and she used to bring them to me when i meet up with her and i was just sitting there on a computer just ordering everything to my house sitting there bill me later trying some shows she wouldn't work most of them didn't work honestly i'm not gonna lie but and it's all coming to your house it's all coming to my bad idea i don't know all right
I don't know what I'm doing.
I was just on a computer one day, like, just playing and stuff. This trial and error. Yeah. It's working. It's working. Once you get caught, then you go, oh, that's... Now I know not to mail it to my house.
Yeah. But it's funny because I never got caught for it or nothing. I just did it a couple of times, and it was cool. And I don't know if they stopped the bill me at that time or which one came first or her parents stopped working there or she stopped giving her the information. One of those came first, so I ended up not going too far. You get what I'm saying?
It was just like a temporary couple-a-month thing. Got a couple of iPhones out of it.
But it gave you a taste of...
Yeah, it gave me a taste of, yeah, perfect. It gave me a taste of, like, getting something for free. You get what I'm saying? Getting something with information. That was, like, the first thing I did. So one day, me and my friend, we go to our buddy house. We had a friend. And every time we go to his house, this friend, he always had nice clothes. We call him Diddy, Diggy, Diggy, Diggy.
I didn't know him personally. My friends knew him. That was just they friends. And I always used to wonder what he do, what he do for a living. He had this nice house, his parents' house, obviously. I'm like 19 at the time. He around the same age, probably a year older, if anything, two years.
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Chapter 3: What techniques did Ghost B use to swipe credit cards?
At the time, I was. I was hiding it from my coworkers. I didn't want nobody to know because I didn't really make friends there. It was just like... It was more older people. I remember it was this one African guy. He was on to me. He knew I was doing something. I was taking money out the register and stuff like that. I used to do a lot of crazy stuff and I ended up getting fired for that too.
3 in the morning, the system in McDonald's closed down. You ever went to McDonald's 3, 4 in the morning back in the days and they'll tell you, oh, our system is rebooting or something like that? People know. Like, if you've been to McDonald's, like, around 3, 4 in the morning, to this day, the system have to reset from the regular menu to breakfast.
And when it's switching over, they can't accept any payment. So what we used to do at our store, we used to take the payments manually. So we used to ask them what they want, write it down, do the math on how much it costs, and tell the cooks to make this, make this, make that, make that. They go and make it. Boop, boop, boop. Put it in the bag. Bag it up. Get the money.
Listen, your total is this much. They give you the money. They give you a calculator. Put how much they gave you, how much change they're supposed to give back. It's only cash at the time. Give them the change. Food. Boop. So what I used to do sometimes, I used to... Get they order, tell a cook to make the cook and only put that he wanted two items instead of the five items he want.
And I would do the math on it, whatever left, pocket it, give them they change. Nobody knew doing that for a while along with the thing. So I was in there just working. Sometimes that African dude, he used to leave his register because he used to be working one register. I'm working in a drive-thru. I used to just go and just... Go to his register. Both our registers is open.
It's just sitting there. I just go, just take money out of the register. A little stupid, greedy. So I was taking the black box. I used to give it to my friend. I used to have to go to my friend. I didn't know him personally. So I used to go back and forth. That's all I was doing at McDonald's, like, you know, through the time. I would give the box to my friend. He would give it to him, and...
Give it back to him to give to me. And the first couple of times he was just like, oh, are you swiping a card right? Make sure you're swiping it right. None of the cards was good. This and that and a third. Right. Okay. Did it a couple more times. Wrote it back. Same thing. It probably didn't take like three weeks. Probably like the third week I said, all right, something got to give.
I didn't give you probably... Over 200 cards. There's no way you're not telling me nothing. Because I don't even know what you're doing. I just know. All right, I'm swiping it right. You told me how to swipe. I'm doing everything. This is not working. And now I'm getting suspicious. Like, all right, you're doing something funny. So... My friend, he was supposed to get money from it too.
From like introducing us. So he's getting mad now too. You get what I'm saying? So we both go to him one day. We's like, listen, we not doing this no more unless you cough up some bread. And he was like, yo, look, you could come with me and I'll show you. He was like, you could come with me. I'll show you. So... What he was talking about, he just wanted my friend to go with him.
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Chapter 4: What was the turning point for Ghost B's scams?
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It's not legal. So I type it in, boom. I click on the eBay one. And I see the price for it. And it wasn't that much. It was like, I seen one for like a hundred. Then I see another for like 80, 60, around that price. So I'm like, you know what? I'm going to order one. But I don't know what I'm going to do with it. I don't know. I'm just like, I'm going to order one.
So I order it, whatever the case may be. It's on its way. Boom, I get the tracking information. So I click on the YouTube videos for that. Go on YouTube, type it in, get a clearer search. And I see YouTube videos. It's like...
people talking about this i'm like wow so they see him in the videos like oh this is the reader this is used to collect the information on the back of the um people credit cards on a magnetic strip the black strip they called it the magnetic strip so like this is how um businesses use it to like like run people credit cards or to process people credit cards and stuff like that so i'm like okay that's all i knew at the time
Okay, cool. So that comes in the mail. I get it. So I'm like, all right, now I got to find a job to swipe the cards or I got to find somebody who work in a job. But mind you, I still don't know nothing. So, so I get it, put it to the side. I'm like, I got to figure out how this go. Boom. It come with a little CD. Like it's like a, it's not even a regular CD.
It's a tiny CD, but you could put it like in a regular computer. And that CD was the program for the, for the readers. So I put it in, I download the program, download the program. And then after the program downloaded, a box pop up. It say track one, track two, track three. So from the video, I remember like, oh, this on a track one is going to have like the people name.
And on that side of the information, on track one, it's going to have the people first, last name, whatever the case may be, and a bunch of other numbers, a bunch of random numbers after the name. It just looked like a bunch of numbers. But within that number, you could see the person first, last name. And then in track two, you're going to see the...
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Chapter 5: How did Ghost B start using money orders?
Put track one and track one. It's like matching. Put the first information in track one and track one. Put the information in track two and track two. And swipe the card, swipe it so it can write it, write the information on the card. So I did, boom, write it. And then I read it again, switched it to read.
So when you swipe it, it pops up and it tells you what's on the card, just to make sure, like, you know, it's good. Yeah, boom. Did that. And I was excited. I was excited. Took like five more calls. Swiped it, swiped it, swiped it, swiped it. Ran to my friend's house. Like, listen, I got some calls. I swiped it. Let's go try it. Don't really have faith.
I was excited when I did it by myself, but... I wasn't too excited yet because I felt like it was going to be the same thing. Like, what if he was telling the truth? Like, I'm swiping the cards and they not working. So we go to McDonald's, same thing we did before. Go to McDonald's, swipe them. It went. And mind you, at this time, this is a big thing too. This is before they had chips on the card.
Right.
This is before. This is when it was just people had credit cards where you would just swipe, and that's it. You either put in a PIN number. If it's debit, credit, you just got to sign. Debit, PIN number, credit, you sign. But even what I found out, even with a debit card, you can press credit still, and it would charge the card just like debit. It would charge you as a debit.
You just don't have to type in a PIN number, and you just sign. It's weird. It's just like... You could bypass the PIN. You could bypass the PIN number. Like, with no problem. Like, it's just weird. It's just mind-boggling to me at the time. Because I couldn't distinguish what was a credit card and what was a debit card. I don't know what's Bank of America. I don't know what's Wells Fargo.
I just know it's credit cards at this time. So, all right.
You realize, like, the first few numbers.
The first six numbers, the BIN number, bank identification number, yeah. So, at this time, I didn't know nothing. I'm just... We buying food at this time. We just buying food. Testing them out. But they're working. Yeah, they was working. Like, they was... They was working for food. Like, we was happy. Like, we was happy. Because you got to just think, like, we never... We got this to work.
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Chapter 6: What was Ghost B's experience with cashing out money orders?
It could match with my ID. But the last four numbers that come out on a receipt, it's not going to match. It's going to be my original car number that's on my car and whatever number, car number that I put on to my car, basically. I don't want to confuse nobody, but like the information I'm putting on to my car, it's not going to match the same car number as my original car. Yeah. All right.
So I found that out. So I told my friends, listen, bring a couple of cars with your name on it to my house. I'm going to put them on and this is how we're going to do it now. We was just like, all right, we can't go to Toys R Us. We probably went to all of them. We scared at the time or whatever the case may be. So... We came up with the idea.
We were like, yo, we're going to start going to jewelry stores in the city, like jewelry stores, jewelers. And we were going there, and we would be like, oh, I got a graduation today, or just some event. Like, my parents getting married. I just need a chain. Talking to them. And jewelers in New York City, they greedy. They always trying to, oh, listen, oh, these earrings go nice with that chain.
You should get it, too. And this and that and the third. And they very slick with their word. So... That ended up going good. And with the jewelry store, you know, they're a little bit more smarter. It's not like minimum wage workers going to work on toys and rest. Some of them is our age. These is like grown people that they more hip to like what's going on and stuff.
So they were asked for the ID. This one, we started getting asked for ID. They asked for ID. I give him the ID and I give him my TD card and he'll swipe it. Boop.
he will make sure it match okay it match all right perfect that's all he wanted all right he's not matching the the the numbers right he's just seeing if it's the id is on the name and he swiped it so the numbers have to be perfectly because he doesn't really understand how it works yeah
So he's just concerned. It's my card.
And it went through.
And it's a real card. This is my real bank card too. But I'm not swiping my real bank card. It's really somebody else's information on it. But this is my bank. So it's legit. Like any way he could tell a card is fake.
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Chapter 7: What ultimately led to Ghost B's downfall?
hundred dollars and it was okay because like I said even the money we was making then wasn't even too crazy but she just happy I know poor girl I know she was just happy because she seen something like alright now alright alright yeah got figuring it out I believe in this so we got enough money to start paying her started paying her like 100 200 at a time stuff like that so
So we doing our little thing. We still going on. Boop, boop, boop. We just finding, like, new places to try it at. We going to, like, little restaurants. And, you know, like, just... Just playing around with it, like getting money, playing around, getting money, playing around. So the next step from that, I was in my house one day. No, I was walking somewhere, and I walked past the bank.
And when I got to the bank, I looked at the ATM, and I'm like... I had calls on me, and I'm like, let me try to put it in the ATM. I'm just curious. Let me just put it in the ATM, ask for the PIN number. I'm guessing the PIN number. Didn't work. Ended up blocking the card.
You think you're going to guess the PIN number? I don't know. It's like 1,000 or, shoot, way more than that drives, right? The 100,000 fucking guesses? One, two, three, four. Yeah.
That was crazy. I don't know. I don't know. Something was just fascinating. I want the money out the car. Yeah, the electronics good selling them, but I want the money out the car. But I'm like... And then I started, like, Googling, like, is it a way, like, in one of the tracks, the track one, track two or three, there's a show, the pin number.
I'm trying to figure out how I can find the pin number. I'm like, dang, there's no way. It don't come with the pin number. So it don't even come with the address. Like, that's a whole different kind of credit card you buy that come, like, with the address, stuff like that. I'll get into that later. But yeah, but I was always trying to figure that out.
So one day I'm sitting, I'm thinking, and I'm like, what if I tell this girl to write down the pin numbers? Because they got like a little keypad. It was like a little gray keypad. I remember I looked at it before I went in there. And it's like a little keypad in front of them. And it just got numbers. It got the red-green button, and it's just a wire to the register.
But I remember, like, it's nothing blocking it. It's not like a whole POS register, like, where they got the little cover by the numbers and stuff. It was just like a keypad, like, flat, rectangle keypad. So I'm just thinking, like, can she even see it? I'm like, yeah, she can see. I remember working. Yeah, she... She's looking right at it. It's like the keypad right there.
Like she's right there or whatever. So I asked her, I'm like, I asked the girl that I was going through to talk to her. I'm like, ask her if she could see the pin numbers and ask her if she interested in getting the pin numbers.
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