Matthew Cox | Inside True Crime Podcast
World's Dumbest Scammers | Master Criminals Review Their Crimes
12 Nov 2025
Chapter 1: What is the main topic discussed in this episode?
They're going to end up with pulling a scam for 80 grand. They really want up to you.
What?
If this had worked, think about it. I would never.
I really want a cigarette though, please. Sir, please. She's breaking down. If you want to talk to me, that's fine.
We want to talk. We really want to listen. This is the money that you took out a couple hours before.
I never took it out.
Hey, I'm here with Zach. He is a former scammer who's done several bank fraud scams, which is disgusting behavior on his part, that someone would do that, but... It's good entertainment to discuss. Yes, but there is a viral video or a video that's going viral on YouTube, which is body cam image of a Tampa police officer who showed up to arrest a woman who was running a scam...
in a, looks like maybe a credit union or a bank or something. Anyway, they get her in the bank. So we're going to review the footage and kind of break it down what I think is happening and what Zach thinks is happening. And Zach's wrong.
Aren't you going to tell them that you're accusing it of being
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Chapter 2: How do Matt and Zack react to the dumb criminal's actions?
I think it's a form, a version of the wasn't me scam version. It's a version of the wasn't me. I think it is.
It has nothing to do. And just so, just so it's clear of what wasn't me is it's one of those that wasn't me is where I would actually take my own money. Right. And then just tell the bank that wasn't me that took my own money.
Right.
In order for them to give the money back. Right. That's the gist of the wasn't me.
Right. So I'm going to get a little bit. So what Zach would do is he would. That's the minor scale of it.
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Chapter 3: What specific scam is being analyzed in this episode?
That's not good enough. So listen, what Zach's, one of Zach's scams was Zach would have someone go open up a bank account using a fake ID. So they would open up a bank account. They would, he then put like $10,000 in the bank. Then when they got the debit card mailed to them, Zach would clone it. He'd mail it several states away.
Someone would walk into, let's say, a post office, and they would use it at the point of sale, and they would buy, let's say, $10,000 worth of money orders. He would then call the person who had opened up the bank account. and say, go in the bank and try and get out $200. So they would walk in the bank and they'd say, hey, I need to get out $200.
The teller would pull up their account and say, wow, you don't have, you have like whatever, $12 in the account or whatever. They have almost no money in the account. And they'd say, what are you talking about? I didn't, I have $10,000 in that account. They'd say, no, it was just removed. When? 30 minutes ago. Where? And they'd go, hold on.
in Tampa, Florida in a, you know, from looks like a, you know, some kind of like a post office in Tampa, Florida. And they go, oh my gosh, well, that wasn't me. I didn't do it. We're now, they're in Ohio. I'm in, I'm here. You know, that's five hours away. And they go, do you have your debit card? And they go, yeah, it's right here.
Five hours away by plane.
By plane. They'd be like, I got my debit card right here. And they'd be like, oh my gosh, go see the manager, Sally. They'd go see Sally, say, look, and Sally would pull it up and say, oh, wow, yeah, there's no way you could have done this. Okay, we're going to return your money. They'd return the $10,000. They would then take the money out and close the account. So that's the wasn't me.
Because technically, by law, if money is removed from your account that you're saying you didn't have anything to do with.
Unauthorized.
Unauthorized, then the bank, by law, has to give you the money back.
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Chapter 4: How does the 'Wasn't Me' scam work in detail?
Like, I'm just like, ugh, ugh, ugh.
I wake up and I... Oh, that heat, that sickness that comes up from your stomach into your chest?
Yeah. That you try not to display on your face? You want to look puzzled and confused like, what? When really everything's like, run!
Run! Oh, I've sat in a bank and argued with them. Yes, you did. See what I'm saying?
So I mean, I've- So how did you fight the heat? You just, because I'm sure you started beating it down immediately.
No, the only time I really had that kind of hit me was when the cop showed up. Like that's like, normally I'm like, keep in mind, I haven't stolen anybody's, like if I went in, I didn't steal somebody's identity. Like I got a real driver's license. I have a real this, real that. I opened the bank account. I know everybody involved. So I know they didn't call somebody. Right.
And get a hold of them and then say, my identity was stolen. So I'm sitting there arguing like, this is procedure or this is policy that we're arguing about? Like, I'm not concerned that they're like, the cops are going to walk in and say, you stole someone's identity. Even when they grabbed me and arrested me, you know, handcuffed me and brought me downtown. Yeah. And I talked myself out of it.
Even then, I knew that Gary Sullivan, which was the person I was pretending to be at that time, like he's a homeless guy that lives under a bridge. Gary didn't clean up his life and contact the cops. I promise and track this down. Right, right. I just thought that some wires got crossed and they figured it out. And oh my gosh, I'm in trouble. So then I was terrified. I just had to start talking.
I started talking my way out of it. So see- Way better than her, by the way.
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Chapter 5: What are the consequences of the scam discussed?
So she's saying that $10,000 was withdrawn from her account.
And then she walked in and said, that wasn't me.
That wasn't me. But keep going. Because I was focused on the transferring in.
Yeah, but how the money gets in the account is irrelevant. I think I figured that out too. Because I watched it a couple of times. And I focused on what happened was... You'll see somebody obviously... Opened, had like 40 grand in their account. Yes. Transferred it into these people's account. Right. Then he went in the bank after it was withdrawn.
He goes in the bank and he says, I had 40,000 in this account. Where's my money?
And then they wired it back.
I don't know about wiring it back. Yeah, go ahead. I don't remember that part. But she talks very lightly, too. I can barely hear her. Hold on. What is it that she's done right now?
She's trying to withdraw the $10,000. But she hasn't withdrawn anything? No, our risk compliance department blocked it because they saw the scheme. So she is here to withdraw. Money was deposited into her account this morning. She came here to withdraw it.
So she's under arrest because she's there to withdraw money.
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Chapter 6: What insights do the hosts offer about criminal behavior?
Right. So that means. But me as an individual, I'm going to treat you with the utmost respect. That's how I. No, ma'am. Ma'am. I don't. Ma'am.
Don't play the innocent black man.
I don't know your brother. I don't know the situation. But I can give you the utmost respect if you allow me to. That's not giving me respect because how are you trying to belittle me right now? That's belittling me. How am I belittling you? Because I told you that my brother got killed by an officer. And I'm telling you I'm going to give you the utmost respect.
But I'm also telling you that it's belittling me as well.
She goes on and on about this, right?
That's nervous energy, by the way.
Are you playing the victim card? But I'm going to give you... But I'm going to... He's five feet away.
He's standing in the doorway. I can see the doorway.
So I'm telling you, I'm very uncomfortable with the office. What would make you feel comfortable, man?
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Chapter 7: How do banks respond to fraudulent claims?
Go ahead. Okay? Excuse me. Excuse me. Yes, ma'am. Why did he take my phone? Because you're detained and I don't want you making any phone calls right now. I do. Your hands are in the front of you and I don't need you making any phone calls. But that's my personal property. I understand. That has been. Because in law it says that I have to accept him.
So you have to understand all of the emotions and anxiety that's going on with her. She's a mess right now. She's an emotional wreck.
What's even funnier is, okay, then I'll bring you back the phone. Here, I'll put it here. I'm going to put the handcuffs behind your back so you can't use it. Oh, you, I don't want, no, I don't want you to use your phone. Like, that's the whole point. You're lucky you have them. I've never had my handcuffs in front of my, in front of me, ever.
Okay. I'm not, EMS is here to get you to get checked out. How are you? I'm all right. She says she's having an anxiety attack because... Okay. Well, we'll check your vitals. Okay. Your blood pressure is a little elevated, but that's to be expected. You're under emotional arrest. I'm not mad about that.
What I'm mad about is to say that the police who kill young, black, innocent men is standing over me. That's the only thing that I'm mad about. I ain't mad about nothing else. Well, I don't think this is racially... It ain't racist because he's black. How is that racist?
You're the one. She's the one who brought up black. Yes.
Okay. I understand you're upset. I'm upset because this man is standing over me. That's the only reason why I'm mad. Oh, yeah.
I'm not mad about going to jail. All right, well, then bring your ass over here.
We're going to tack on $2,500 for us coming out here, by the way.
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Chapter 8: What lessons can be learned from this episode about scams?
No, 1.31, which is the day before. Okay. So he started the ring, huh? He's the leader. This money transfers into his account, and he distributes it to her or her. Mm-hmm. Yeah, okay. And then they were here this morning, both of them, to withdraw 10. They actually got out from Killorn, and they did withdraw at Killorn. Okay. And then they came here to withdraw, and that's where we got them.
How much did they get from Killorn? She got 7,000, and she got 10,000.
Matt, but you're on the fact that he wired the money in there. They're not in there to say that it wasn't them that took the money out earlier.
It is. She came in and they said they had opened an account for her. $10,000 had been wired into the account. She then removed that money from another bank. Right, another location. Right. She then goes across town to this bank and says, I need to remove $10,000. And when they checked it, they said there's no money in the account. It was withdrawn. She said, that wasn't me.
Hoping they would give her the money anyway by saying someone stole my money. It wasn't me.
And my whole point is she's not saying someone stole her money.
No, she's saying – all she's saying is I didn't take the money out. Right. That's not me. I didn't take it out.
Right.
So she's clearly saying it's somebody else, which is the wasn't me scam. But the wasn't me – It's okay to say I'm wrong.
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