YouSaid · the spoken record

Matthew Cox

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500
first
2024-01-17
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2024-01-17
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1
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podcast

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  1. “All your paperwork And you'll pass. You'll get a certificate. I don't have to see you again I am full of coffee and creamer because at least 10 or 10 or 15 didn't want to be there. The other guy seriously wanted to be there and I don't want those guys to be there anyway. They're going to be a problem. So the other guys are serious about it. And some of these guys sat through the class two, three, four times. Some of these guys got out and sent me money. So, you know, which is like a huge sign of respect, by the way, because they don't know me anything. But I did that and I taught GED. Because you have to do something for money. And I met a bunch of cool guys and I was hanging out and I was doing well. And after about three years, they transferred me to the Low security prison.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  2. “Industry, or you know, that you will thrive at because you're a hustler. You're not afraid. A 45-year-old divorced white woman is not going into the hood knocking on doors to try and flip houses, but you will. And you know everybody in the neighborhood and you'll knock on those doors and you'll hustle and you'll be told no before and you don't care and you're not scared. And there's tons of money to be made in lower income areas. And so when I go through the whole thing and how you can leverage your credit to borrow money to get into the property and do the renovations with very little money down. And I do the whole thing. These guys, like they loved it. So what that did for me was two things. One, if you got to the class, 40 guys show up for the class. And I say, look, if you don't want to go, you don't want to be here. You just want it because your counselor's making you get a certificate. You don't want to be here. That's fine. Bring me two coffees and like two creamers from commissary and I'll fill out.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  3. “What are you teaching these guys? What do you mean? My cell is telling me he's going to get out and make millions. I'm taking Cox's real estate class. I'm telling you, I can do this. I'm going to be a millionaire. And it's like this flipping houses. Like, this is not. But the truth is, if Flipping houses was what I basically told these guys, especially the drug dealers, right? You're a drug dealer and you were raised in the projects and you're going back to the projects. Like this is the one”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  4. “And these guys loved it, bro. Like everybody, they all think they're going to get out and flip houses. So I started, you know, from the fundamentals, I talk about credit, how to borrow, how hard money lenders, different types of borrow, like everything. And guys are walking. It's the first time in my life this was funny. Not that I think I was really ever in a position for this to happen. This was really odd, though. Probably second or third class when guys are leaving and I'm having to check them off the roll multiple guys are stopping and saying, yo, bro. putting their hand out and shaking my hand and going good class was a good class bro. Then I have guys coming to me telling me, hey.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  5. “Gossiping. Those are the problems. Those things get you hurt not being played. Be respectful. I'm super respectful. So I was respectful very quickly when I got to Coleman. One of the courses is residential real estate. The guy that was running the residential real estate didn't want to do it anymore because he was doing legal work and it just was taking too much time. So he came to me and said, listen, you just got here. You got a real estate background like nobody else does. Can you take over this class? And I was like, sure. So I looked at his curriculum. I kind of rewrote it a little bit. And I started teaching the residential real estate class. And at one point, I was teaching two classes like a semester or a quarter.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  6. “You know, yeah, my fear was there made me shave my head to make sure that the mop wig. Fits correctly. But there's certain things that I always hate to say this, but this is the simplest way to say it is that if you get stabbed in prison, you had it common. You did something. They're not running around just stabbing people. You did something. And the things that get you hurt is you argue over the TV what channel you want to watch. You got 50, 80 guys watching one TV. Don't argue about it. It's just not worth it. Borrowing things that and not returning them, that's a problem. Running up debts, that's a big problem. You know, gambling.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  7. “But by the time I got there, I'd heard all the, you know, how you can get yourself in trouble, you know, how you can, like, don't go in somebody else's cell. You don't know the guy. You're not 100% sure. Do not go and sell. Don't even go near his cell. Don't go into places where people can close a door behind you or they can trap you in an area. There's all these things that I've been told not to do.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  8. “Yeah. So I have a selly. But I'm also, as they sent me to a prison where guys have tons of guys have 30, 40, 50 years, life sentences. There's gangsters there. There's murderers. There's serial killers. There's really bad guys. There's guys that are trying to take advantage of guys”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  9. “And honestly, I was very quickly, I was walking on the wreckyard. I was, you know, so I was at the medium. I got there. It's a real prison with the doors. Bam, and you can open the little tray thing and feed you out of the tray. And there's a stainless steel toilet and sink. And, you know, they have that in the county too. But it's exactly what you think of prison as being.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  10. “Horrible. And they're like, bro, prison listen. I can walk the wreckyard. I could go to the movie room, watch movies. Listen within right after count for this four o'clock count. They count everybody at four. So they are like right after count. I'm going to go to commissary. Somebody's going to buy me an ice cream. I'm going to be eating an ice cream, walking on the wreckyard the first day. Like, and I'm, you know, it's been months and months and months and I've been locked up in this county jail and I'm thinking, I want to go to prison. Like that sounds nice. I'd like an ice cream.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  11. “Yeah, it's a prison. I mean, it's jail, but it's prison unless you'd been locked up, you don't really know the difference. So it's a jails suck. Jails are much worse. The whole time I was locked up in the jails waiting to be sentenced, guys were like, I just want to get sentenced and go to prison, bro. And I was like, why does everybody keep saying that? Like prison's worse than this. I saw Shaw Shank.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  12. “I get locked into, you go to my cell, meet my selly, they scream lockdown, somebody got stabbed in the wreckyard. I remember I asked my selly, which I met 20 minutes earlier. I was like, what's, you know, he's like, hey, we got to get in the cell. I was like, what's going on? Somebody got stabbed in the yard. And I go, somebody just got killed. And he goes, nah, they just stabbed them up a little bit. And I thought. You're in a place where they say stabbed him up a little bit. Like, you're not prepared for this, bro. You got to get out of here. Yeah. So anyway, I go to the medium. I'm there. Like, what was the first day? Remember I already had been locked up in the county. They're really county jails. They just keep you with the federal guys. So I'm not mixed in with hobos and people like that. I'm mixed in with the federal people.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  13. “And so I get moved to the medium. I'm moved to the medium not because that's where like real criminals go, right? Like I'm a soft white boy. Like I'm no danger to anybody. I hurt someone's feelings once. But other than that, I'm not a problem. I'm not going to be a problem. But if you have more than 20 years to serve, you have to go to a medium. So even though my security level said this guy should be in a camp. Had 20 years. So if you have, you can't go to a camp till you have less than 10. So as soon as I am given 26 years and 26 years, they knock off three, but you still have three years to get below 20. So they go to the medium. So I go to the medium and their guy's getting stabbed the very first day people are being stabbed.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  14. “I mean, but I kept telling myself, they're going to reduce the sentence, they'll reduce it, they'll reduce it, they'll reduce it like, okay, okay, okay, it's going to be okay. It's going to be okay. But it wasn't okay. I got moved to Coleman, the Coleman complex in Coleman, Florida, the Federal Correctional Coleman Complex in Coleman, Florida, which is the largest complex in the nation, federal complex in the nation. There's a, at that time, there was a camp, which was a female camp. There was a medium security, a low security prison for men, a medium security prison, and two penitentiaries.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  15. “I didn't give her anything to work with. You know, it's like I'm a little overwhelmingly guilty. It's like there's no defense. So I end up getting sentenced 26 years. I would like to tell you that when they gave me the time that I was stoic and I stood there and I took it in, but the truth is I cried like a baby, like a small child. Like you've never seen anyone cry like this in your life. I was just, how did I get 26? What did I do to get 26 years? Like murderers, rapists. I've met guys that kidnap guys that got 15. So, yeah, I I mean, you know, does a pope wear a funny hat? Like, of course, I was scared, terrified.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  16. “So she calls me, I'm crushed. And she's like, but look, they're still investigating. They're going to make these arrests. And so when you get a sentence reduction at sentencing, it's called a 5K1. When you get a sentence reduction after sentencing, it's called a Rule 35. So she said, we'll file a Rule 35 as soon as the arrests are made. Okay. So I go to sentencing and Millie says, you're going to get 14 years. I'm going to argue these enhancements. She argues you enhancements. She loses the enhancements. Not that she's not an amazing attorney. She's an amazing attorney. The judge wanted to hammer me. He hammered me. Millie was a great attorney. She was always polite to me. And by the way, to this day, we'll answer my phone call. Most public defenders, you call them now. You call them after your sentence. They don't answer your call”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  17. “We considered it. We will consider it. And they did consider it. So That's like you have to really. The meaning of words is so important.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  18. “And then the other thing is I was interviewed by the FBI and the Secret Service. My lawyer calls the prosecutor the night before sentencing and says, look, he was interviewed by dateline and he was interviewed by the Secret Service and the FBI. And if you do that, you said you'd reduce his sentence. You'd consider it substantial assistance and you would reduce his sentence. What are you going to? For his sentence to be tomorrow at sentencing. And she said, Did consider it substantial assistance, and it's just not enough. What do you mean? Nobody was arrested. Yes, but what about date line? Millie, I don't know what to tell you. It just wasn't enough.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  19. “Yeah, exactly. You become a cautionary tale. Like, don't let this happen to you. So I go and I'm interviewed by Dateline. Keith Morris or whatever his name is, you know, that guy. Mr. Conch was, you know, that guy. So he comes and he interviews me, Becky's interviewed, I'm interviewed, Amanda's interview, like Allison is interviewed. Like everybody, the secret service agent, I think, is interviewed, like everybody, prosecutor is interviewed. You know, it's funny at the time, I was, when I watched it, I was like, that's not true. And that's not true. And that, and honestly, it's like 99% true. It's like looking back on it. I'm like my Audi TT wasn't blue. It was silver. It's just stupid. But anyway, so I'm interviewed by them and they recut it and they air the video. So you said this was substantial assistance.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  20. “Now, keep in mind too, prior to this, a month or two prior to this, the US attorney had called Millie and said, look, dateline had already come out, by the way. Remember, I was worried about dateline coming out. Well, it had come out. But they wanted to do a follow-up because it came out like a month or two after I got arrested. And they were saying, hey, we want to recut it with interviews with him. Gail McKenzie, that's the US attorney. She wants me to do that. And she says, I'll consider that substantial assistance. Now, when you cooperate with the government, they consider it substantial assistance. That's what they call it. So I cooperate with you, it's substantial assistance. She says if he's interviewed by date line, we'll consider it substantial assistance. And Millie says, you have to do it.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  21. “So she goes, and I believed her. And I think she made a valid argument. We get to sentencing. My mom's there. She's crying. My dad's there. He's looking at me like he's disgusted. There's a whole bunch of reporters, like the whole place is packed And I plead guilty. Millie gets up. My Laurie gets up and she argues these enhancements. And every single time, you know, the judge is like, I disagree. Overruled, and it's like boom, five more years. You know, bam six more years. Bam. Because if she had won the enhancement she argued, I would have got 14 years.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  22. “Yeah, I end up, I go to sentencing, I get my PSI back and it's 32 years to life. And so We argue about it with the prosecutor just before sentencing, and they get it down to 26 years, four months. And then Millie says, Listen, don't worry because I'm trying to backpedal at this point. I'm like, I might as well go to trial. If I lost at trial, I couldn't get more than 30. Well, more than 32 years because you can't get life. 32 was the max. It's just a mistake. He said 32 years to life. You can't get life. So it was like the most I can get is 32 years. So I was like, I'll go to trial. Might as well go to trial and see if I can get them to reduce some of these enhancements. She insists that she can get the enhancements knocked down. And if you read, they actually read the enhancements. Some of the enhancements, they didn't apply to me.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  23. “Well, that's not gray. Like, this guy was at one point, I couldn't find anybody to write $500 checks anymore. So I just gave him cash. Like I'm just handing them $7,000, $8,000, $10,000 in cash. But I think most of them have legal ways to make ungodly amounts of money for influence. But is it legal? No, it's their politicians, they've made it so that it's not illegal. If you really sat down and explained it to someone, The average person would say that's not right. Oh, no, no, that's legal.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  24. “So, what happened is when they got all of the bank accounts, they see all these checks going to Kevin White. And so they're like, why did James Red donate $500 to Kevin White? Why did Brandon Green donate? Why did Alan Duncan donate? Why did, and so I had explained to him, oh, yeah, well, we wanted him to be city councilman. So we paid, you know, gave him a bunch of money so he could run the ad so he could get elected. So he could then get all of our stuff. But because he never did, you know, I took off on the run before he was able to do that. And then he ended up getting not long, too long after that, he ended up, well, five, six years later, he ended up getting indicted for bribery, but not mine on somebody else's case.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  25. “So we talked for three or four days with the FBI. And they asked a ton of questions. They brought documents. So it's like, hey, who signed this? It's like, oh, that's not my signature. That's so-and-so signature. Or I signed that. I signed that. I signed that. That's so-and-so. Where'd this check go? Who is this? Oh, that's so-and-so, you know. You're looking over everything. One of the things they wanted to know about was, which I never talked about because it seems so minor is I bribed the politician. I got him elected because we got him elected to the city council so he could vote to get our lots. We'd bought like 100 vacant lots in Ibor City and I wanted them all, they were all single family. We wanted them zoned multifamily. And so we bribed him and got him elected.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  26. “So FBI was, Candace was irritated, didn't like me. And I remember when she took the cuffs off, I was like rubbing my wrist. She goes, your wrists hurt? And I go, yeah. And she goes, get used to it. I mean, she was just an asshole. All around. Not that she didn't have a right to be, but everybody else was professional.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  27. “Right. And all my time, I've seen one time where an inmate got a guarantee to have his sentence reduced and it was signed by the head of the FBI, was Robert Mueller gave it to him to have a conversation with him. That's the only time I've ever seen that document.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  28. “I'm not holding anything back. It's not like I'm sparing Jim. Trust me, Jim's got to go. I mean, you're looking at 20-some-odd years. What Jim can do five. Bill can do some. Tom can do six. I don't even like Jerry. Jerry can do 20. I'm ready to cut everybody's throat.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  29. “Yeah, it was like they questioned me for all day and then they take me back to the Marshall's holdover and then the next morning I wake up and they chain me up again and bring me back”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  30. “And so, I mean, I always thought that was funny that they was like, well, I remember really for a split second there. I was kind of like really embarrassed that they caught me. Believe this. You're the secret service. Anyway, I talked to them. There's really, as far as the secret service is concerned, there's just not much I can tell them. It was mecky's already told him everything. Amanda's already told them everything. It's not hard to track. When they raided my house, they've got boxes and boxes. So it's laid out. We still, it took forever. Like I still went through everything. I explained how I got the driver's licenses, how I made the bank statements, how I made the birth certificates, how I the whole social engineering of figuring out how to what these little loopholes are. Like seven days total with these guys. So”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  31. “And he went, what do you mean? If it was bank website, I said, yeah, but it was professional, right? It was like a professional website. And he goes, it's a bank website. And I go, yeah, but it was And he goes, oh God. And I go, yeah, convincing. And I go, it's all an illusion. I said, the bank doesn't exist. It's a fake bank. I made the bank. Made it when I was in, not even in Tampa. I think I got into Nashville when I made it. And I was like, yeah, it's an alum. The bank statements, he's like, they're color of bank statements. I'm like, yeah, well, no shit. I said, as a matter of fact, I said, who did you leave? I haven't paid for the service in months. And he turned around and he called it and it went, you know, you know, it was disconnected. And I was like, how do you not know that's a bank? Well, it turns out there was a southern exchange bank. And I use their bank routing number.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  32. “You're looking at an obstruction charge at this point. I was like, I don't have anything. And he says, we know you have money. We know you have money and different IDs, different identities, names. And I go, what are you talking about? And he pulls out a bank statement and he slaps it on the counter and he goes, you've got money in Southern Exchange Bank. You've got $190,000 in Southern Exchange Bank. And I look at it and I went. It was in the name Walter Holcomb. And I went. Did you call the bank? He says, Yeah, we called the bank. I went, okay, did anybody call you back? And they go, he said, well, no, we've left several messages. I said, did you go to bank website? He goes, yeah, I went to the website. He said, what do you think?”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  33. “It's their job. It's like, hey, this is just my job. They're polite, professional. That's it. So it's just, this is just my nine to five. But they come and they fly in and they meet with me for three, four days. Of the funny things is that when I first First, sat down with them One guy's name was Dan Brozen Skowski or something. So he sits down, he says, look, before we get started, we need to talk about something. And I said, what? He said, we know you've hidden money. And I was like, what? And he goes, we know you've got money hidden. I said, I don't have any money hidden. What are you talking about? My lawyer's like, do we need to talk? I'm like, no, no, I don't have nothing. I gave you everything. I gave you all the accounts. You got everything. And he's like.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  34. “511 wearing three inch heels. She's a giant in impeccable shape. Attractive, one of the angriest human beings I've ever met. And every FBI agent that I've met since then that knows her, and I mention, they all say, what did you think of her? And I'm like, what? Why? And I was like, kind of aggressive. Yeah, yeah. She's a bulldog. She's a, I mean, all of them are like, yeah, yeah, she's something else.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  35. “You know, the secret service was so overwhelmingly professional. The FBI, and really only. One of the FBI agents that interviewed me, I don't know how he's an agent. I don't know. He was just ineffective, incompetent.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  36. “Like a stand up guy. I could have said, I'll just take it, give me 54 years, go fuck yourself. I'm not going to snitch on nobody. And I know you look at me and you think, tough guy. I'm not a tough guy at all. I'm not doing 50-some odd years. Like I'm not doing it. I don't want to do 30 years. You know, I was hoping for, you know, I knew it wasn't possible, but I would have satisfied first another slap on the hand like I got the first time. I really thought I deserved. Honestly, when you, when my lawyer asked me, what do you really think you deserve? And I thought I deserved 10 years. I deserve 10 years. So she said, Look, they want to talk to you So, the FBI, well, first the secret service flies in. Come in. And they interview me.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  37. “So I should say first on the cooperation. Subject. My lawyer wanted me to cooperate, and by this point I realized like, you don't have a choice. No, that's not true. I could have been a gangster. I don't need to be”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  38. “So Becky got 70 months. But when I got caught and when I was sentenced, they reduced it to like 30 or no, 40 to 40 months. They reduced.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  39. “Some of them walked in and said, I'm guilty, I just want to plead guilty. The girl, Allison, she walked in, said waiting for you to come get me. Walked in with her lawyer and said, I just want to plead guilty. And they sentenced her and she went to jail. So you got like 36 months or 30 months. She called the prison. She went to the low security, it was a female prison at the time, female camp, called the camp and asked if she could come by for a tour before she went. And they went, Excuse me? She said, Well, I'm going to be there for about two years. So I'd like to come in. Is there like a tour I can take? Because I like to know where I'm going and what it's going to be like, how I should prepare. And they just started laughing. They said, there's no tour, sweetie. We'll give you the tour when you get here. Love that”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  40. “AKA snitched. Right. They came in, they sat down with their lawyer, and they said, this is what he did. He did this, he did that. They showed him documents. Yes, yes. Yes, that's my signature. I didn't know what that was. You know, everything was my fault. They didn't do anything. It was all me. So they've all cooperated and they haven't been charged. They've been indicted. They're all named as unnamed co-conspirators on my indictment. So I've got like 12 people. Even there's like probably 20 people that are involved, but there's like 12 of them. So I've got all these names, KB, DL, C-Y. You know, it's like, I know who that is. Like I know who DW. That's Dave Walker. I know who I know who these people are. And so there's just a list of there's like 12 of them, plus me.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  41. “So she says to me, Millie sits down with me, and she says, Listen You got to cooperate. And I was like, okay. And she said, because you're guilty. You're extremely guilty. She's like, you can't go to trial. And she said, So you need to cooperate. I was like, well, what do I get if I cooperate? And she said, The way it works is you cooperate. And you hope for the best. And I was like, are you serious? You tell them everything you know, and you hope for the best. And she's like, what part of the problem is she said everybody in Tampa's cooperated. Rebecca has cooperated. Everyone across the board has cooperated. There's nobody that hasn't cooperated.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  42. “Plus your criminal history, and I have a big criminal history because I was already on federal probation and I committed a new crime on federal probation. So that was another enhancement. And this, you know, this case, so I'm in like a category, like category two or three. So they come back and they're saying, I forget Well, they don't come back right away, but she ends up saying you're probably looking at 14 years. Okay, that's reasonable. That's reasonable. And so she sang When we get the PSI back, we eventually get what's called a pre sentence report. They're saying 26 years. Well, they really said 32 years. I argued, and we got it down to 26 years and four months. That's what it is. It's 316 months. That's how they do it in months. Don't sting that much, I guess you say months.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  43. “She knocks off a bunch of stuff that they're saying I did enhancements. Because you all have a base level of, let's say, level eight. That should be maybe a few years. But then they start adding on enhancements. Did what he do was it sophisticated. Yes. Okay, three levels for sophisticated means. Were there more than how many victims? Were there more than 50 victims? Yes. Okay, that's six more levels. Okay. Did he change the jurisdiction to evade detection? Yes, that's four more levels. Okay, did he, they start adding, boom, boom. And when you start adding up all those levels,”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  44. “She's like, I mean, it depends. She said it might be whatever 54 years, but if they run them, you know, concurrent or consecutive, depending on which one they do. She said, most likely it ends up being like 30 years. You know, it's like, that's not good. It's not good. So we kind of go back and forth, back and forth, and figure out, try and figure out where I'm looking at. As we go through the whole thing, we end up with saying”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  45. “That's not possible. Tiny thing, I didn't know. So when the FBI saying like 40 million, they're saying 11.5 in Tampa plus 40 million for the mortgage company. So it ends up being like. What I stole on the run. It ends up being like 55 million, but she gets them to drop like the 40. That's his brokers. That's this, that's that, drop it. And they're like, he's so done. It doesn't matter. They drop that. So it ends up being like 15 million. And then it's down to, what is he owe? They said 9.5 and I got it down to like 6 million. So, you know, which, you know, I'm good for. So what ends up happening is they've charged me with all these things and And she's like, okay, You're like. You can plead guilty and you can go with the sentence and guidelines, which is going to be like,”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  46. “That's what they always say. You're looking at 150,000, you know, your lawyers, they're like, This, you're not looking at that, you're looking at 54 years no better. That's no better. So, yeah, so my lawyer comes in and sees me one day. Like our first meeting. And I see, you know, I'm Millie, Millie Dunn. She says, listen, I've looked at everything first they say you're responsible for it's like 25 or 20 or 25 or 26 million dollars in loss. And I'm like, that's, I've never, that's not true. That's not true. And I was like, you know, not even, I said, not even potential loss. There's just no way. I mean, there's no way. And then they come back. She comes back and she says, well, they're saying.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  47. “Passport fraud, conspiracy, or what was he, aggravated identity theft, money laundering, use of a fraudulent passport. And there's like there's like 30 counts of this, 20 counts of this, but none of that matters. Even if you just took the, dropped all the counts to one count and stacked them. It's like 150 something years.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  48. “Yeah, so they bring me to Nashville, then they transport me to all over the place. I go on Con Air. They fly me to Oklahoma. They fly me to Atlanta. Then I go to Atlanta. I'm placed in the U.S. Marshals holdover. I get assigned an attorney go in front of the judge. Not guilty, meet with my attorney. You always plead not guilty. Whenever you ask people, can you believe that he pled not guilty? Nobody walks in and pleads guilty. You plead not guilty while you kind of figure out what you're going to do. So I plead not guilty. There's no bond. Obviously, I've got, they caught me when they caught me, I had four or five passports. So That's no good. They charged me with bank fraud, conspiracy, commit bank fraud, wire fraud, mail fraud.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  49. “And the whole week I'd been telling a Manda, I'm going to go see Casino Royal. She'd go, okay, well, on Saturday, we're going to go to the festival. I go, that's fine. But on Friday, Casina, and she's like, right, Casino Royale. And then she's like, okay, by the way, on Thursday, I thought we could go to dinner. That's fine. But on Friday, And when they put the handcuffs on me, one of the first things I thought of, I'm not going to fucking sit to see Casino Royale. I'm not going to get to see it. Not going to see it. And I saw it about five, six years later on the institution's movie channel. You know, it was nice. It's not the same, but.”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source

  50. “didn't feel good, bro. It was bad. It was a bad day. It was a bad day. First of all Casino Royale was coming out on Friday. Was the first Daniel Craig As James Bond”

    2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source