YouSaid · the spoken record

Matthew Cox

lines on the record: 500
first: 2024-01-17
most recent: 2024-01-17
sittings or episodes: 1
sources: podcast

Every line below is reproduced as it was said and linked to the record it came from. Nothing here is summarised or generated. Directory · Search · Corrections

“I drove back to. Charlotte to get my car So, I can't be driving. So I stopped at Baton Rouge at one point and got a cell phone, you know, like a burner phone, like a Verizon Virgin mobile or something, one of those phones. So I bought one. I call a few people at home, back home, call my mom. Cheese and tears crying. My dad's yelling in the background. I 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
“Louisiana, I stopped at Baton Rouge and got a, I mean, at some point I stopped and I got like I think I got a room or something. At one point, I know I stopped.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“Right. So we start arguing back and forth, and she says $100,000. I'll give you $100,000. I said, I'll take it. She counts it out the $100,000. Later when I recount it, it wasn't even $100. It was like $98,000. That's fine. It's fine. But we've got them all marked, you know, $2,000, $5,000, $6,000. She's like, $2,000, $5,000. That's it. She ends up stiffing me. That's fine. It's not my money. So I take it, I end up, you know, I take it. I leave. And as I'm leaving, she'd always called me before on the phone and begged and pleaded and cried. I messed up. Please give me a chance. I'm sorry. I'll take my medication. I'm sorry. I thought it was better. I thought it was okay. And I remember walking out. I put my cell phone on the counter and just walked out, went downstairs, got in the truck, and drove. and drove when I got to”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“Oh, she threatened to. It was funny too because the conversation back and forth, I remember saying, no, I want to happen. And she goes, and she said, I'll give you $10,000. I said, you're mine. I said, I said, I'm telling right now, you come up with something reasonable. I'll take all of it. And she said, what did she say? I said, I'll take all of it. She says, in what? Escape in that U-Haul, she says the cops are going to be looking for in five minutes. And I went, I just remember thinking, oh, wow. And keep in mind, all of my IDs, everything are in the storage unit that she has a key to. Like, I'm not getting those. It's over. I got an ID right now that says my name is Michael Eckert. I'm driving a U-Haul van”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“And I'm staring. And as soon as she got on, Becky gave me that where the face. And I'm like this. I'm like staring in the corner. Never look at the girl. And I remember we get off the elevator bing, it opens, I bolt off it. Becky bolts office and I off the elevator and I remember she squeals. I bet you just love to fuck that tramp and the girl as the elevator doors are closing. She goes, hey. Thought that was funny, so I go to the apartment We have a screaming match, kind of. I want to split up the money. She tells me she's not going to give me split the money Because she said you can go somewhere else and do this again. You'll have a million dollars. Six months, I have to live off this money.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“Jump out and I get the flyer. And she's like, what are you doing? I go, well, I just want to, you know, I just look at the flyer. And she says, I don't want to do a scam here. I want to live here. This place is nice. I love it here. And I went, right? I understand. I said, I'm not going to, I said, no, but I have a fine apartment. She is, oh, you just, I'm just so disgusting. You can't stand to spend even a couple weeks with me. And I know she's going to get me caught She's never going to get me out, right? She's already told me that So we go back to the apartment, we go upstairs. I was so scared of this chick, bro. I was so scared. I remember I was going up in the elevator. And this girl gets on. This clearly is a stripper. I mean, drop dead just, but wearing stripper clothes.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“Oh my god, bro, so I go all the way back to Charlotte. I pack up my apartment. I drive all the way to Houston with my entire apartment packed up, by the way, in a U-Haul. Like the next day, the next morning she's got people there packing it up, movers. Pack it up. I drive the U Haul all the way to Houston. It takes a couple days. I unload it into, we have some guys unload it into a storage unit because I'm going to stay with Becky until I find my own apartment. As we're driving around the neighborhood, super nice. She's living in like whatever, like that 20th floor or something of some huge high rise. Great apartment. Drive by and I go, Oh, stop the car. And I want to get out. It's one of those cone things where there's flyers for the house for a house.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“Oh, no, no, no, no, something's up. So I get my car back out. One of them kind of runs out and looks at tag number, you know? So I drive, I get in the interstate, I go, you know, Becky, of course, she's, you know, I'm sorry. I love you. I would have never done that. I was just scared. I understand.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“He said, not with me. And he said, Well, just do me a favor. He says, Don't leave town. I said, bro, I own two houses here. I'm not going anywhere. I said, I'm telling you right now, I said, Wakovi, they fucked up. And he's like, I believe you. I believe you. Or he said, whatever. He's like, I hope they were right. You're right. Okay, so I get in my car, I leave. I go to two more banks, pull out more money. But at one point, I go into a bank and two of the cashiers practically slam into each other trying to get to the phone and I could tell something's up.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“There's a lot of cops. Well, not just that, but they buzz you in. You get in the elevator, you have to punch in a code. To punch in a code to get back out of the elevator, you have to punch in a code to get into the next door. Impossible, like, I'm never, I'm not going to get in the elevator. So guy comes back up to, the cop comes back up. He said, hey, Gary, appreciate it. No problem. My captain said, we're good. We're going to wait for a phone call from the, no, wait, the district attorney called already. They're looking into it I'm going to go ahead and let you go. Go downstairs, he walks me out to my car. He said, Look, Me a favor, like we do have some serious questions at this point, like the district attorney says there's some things up.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“I'm on my faces right there. I'm like, holy Jesus. And, you know, everything Anime told me, Ron, bro, just fucking hollash right now, right now. Just go. Your luck's run out. Not that I even thought there were so many. I didn't think he was going to see it. Everything in me just said run. The problem is if you've ever been into a police station, you're not getting out of it. Do you understand 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
“And first, she says, if you go in the police station, I'm done. If you get arrested, you're done. I said, well, then I better not get arrested. I hang up the phone. The cop's standing behind my car. Get out. I go in the police station. I walk in. I fill out the police report. He tells me I got to talk to my captain real quick. Can you wait? He couldn't leave me in his cubicle. He goes, Can you wait in the hallway? I can't leave you in the problem. So I go and I wait in the hallway. In the hallway are a whole wall full of on the corkboard wanted posters. Black and white, black and white, black, you know, car thief, you know, rapist, murderer, secret services most wanted.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“Well, there's about six or seven hundred thousand accounts, but keep in mind, I'm getting that out in cash. Like, there's no Bitcoin. There's no, none of that stuff exists. So I probably should have bought diamonds or bought gold or bought, like, I don't know any of that. All I could think of is go in slowly, be patient. Don't drain the accounts, you know, fluctuate them. Like I was writing getting cashier's checks from one account to another so the balances were doing this They weren't just going, they were doing this. And then one day, boom, they're gone So we got out like whatever, we've gotten out like six or seven hundred thousand. There's still like six or seven hundred thousand in the bank. I'm not going back. I'm done. I actually, to be honest with you. So, well, look, I go in the police station.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“And I said, the worst that happens is I'll be arrested. As Gary Sullivan, you can get me an attorney, he can get me out. And she goes, I'm not getting you an attorney. I'm not getting you out on bond. I'm not risking everything I've got for you because she has all the money. We've got seven, eight hundred thousand dollars at this point. So, oh, and by the way, she's not even in North Carolina at this point. She's relocated to Houston, Texas. Because when this scam fell apart, we were going to move to Texas. So we were already moving there.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“And I was like, I got bigger problems right now. They just held me in the bank. I'm following them Right now And she was like Get on the interstate, go, go. I cannot go. The detectives in front of me. The cops are behind me. They're escorting me to the police. Listen, she's like, oh my God, run, run. I go, look, I'm not a NASCAR driver. Like I'm driving. It's a sports car, but it's not going to outrun a radio or a helicopter. That's not going to happen. I know it looks, it seems nice. I'm not that guy. So I was like, I can't. I said, look, you don't understand. I was in handcuffs 30 minutes ago. I just taught my way out of them. I'm going to get out of this.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“Lawyer, the lawyer will be able to get me out on bond because I'll be arrested for something stupid. I said it'll be something like trying to cash a check, you know, a fake check or use of somebody. I said it won't be, all my IDs are real. So it won't be for fake ID. So my ID won't be in question. And most police departments and sheriffs at that time did not run your fingerprints through APHIS. Because they charged them for that. So they don't typically do it unless your identity is in question. Mine wouldn't be. I have a valid driver's license or a valid ID in that state. So I go back. She's screaming. She's like, oh my God, you don't understand. I just checked the internet, the website. You are number one on the secret service's most wanted list.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“The police officer or the deputy grabs the ID, walks outside, comes back. I have no idea if this homeless guy has a driver's license in Nevada. I don't know. He had nothing on him. He comes back and does he have a valid license? He goes, yeah, it's valid. And he hands it to him, or he hands me the ID and he says, he goes, it's valid. And he looked at him and he goes, yeah, well. It says he's five foot eleven Like it was like 5, 10, 5, 11. I'm clearly not 5'10 or 5'11. And they all look at me and I go, fellas, with a good pair of shoes. Like that, and they all go, follow us, Gary. I follow them back to the police station. Becky is calling me. The phone screaming her head off. Now, I'd always told Becky, if I ever get arrested. Immediately go get 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
“And so one of the cops goes, Here, give me the ID, takes the ID, he goes, I'll check and see. Because I have to follow him back in my car. So he goes, and by the way, my car is in the name. Michael Eckert. So Michael Eckert, he doesn't have a photograph of Michael Eckert. Because you can't pull up photographs from other states. So he doesn't have a photograph, but he knows that's not my car. And he asked me whose car are you driving? I said, oh, that's my boss, Michael Eckert. That's my boss. And he goes, oh, Michael Eckert. I said, yeah, exactly. And he's like, and I'm like, oh my God. So I'm thinking he knows Michael Eckert knows it's registered in North Carolina, knows the address, which is where I was currently living. A problem”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“I'm going to take him downtown. I'm going to talk to my whatever lieutenant, whoever, captain, and I'm going to fill out a police report and I'll let you know. And he hangs up. I get up, they've taken the handcuffs off, I stand up. As we're walking out with the detectives, as we're all kind of walking out, he goes, hey, you have an ID. Do you have a driver's license? And I went, um, I do, but it's in like Nevada. And he goes, Oh, that's right. He goes, You're from Vegas. And he looks at the two deputies and they all kind of grin. And I think he ran me through NCIC, which means he ran a statewide criminal database, which means he thinks I've been arrested three times for prostitution in Vegas. Listen, I'm humiliated. It's just like, and the grin told me, and I was just like, Oh man.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“Ripped off a bunch of banks for over half a million dollars. I said, or some loan officers got together and did something illegal. I said, there's a problem at the bank. And he says, I think you've got a problem at the bank. And this guy goes nuts. And while he's screaming, he needs to be arrested. This is fraud. My loan officers have not done anything illegal. They wouldn't do that. He says, look at his ID. His ID is fake. His ID starts with 000. South Carolina IDs start with zero zero zero. This guy's in California. He has no idea. So when he says that, the detective looks at my ID and he goes. Listen, he said, this is a real ID. I ran this guy through NCIC. He said, this is Gary Sullivan. And I looked at her and I go, Now I'm not Gary Sullivan. I go, Come on, bro. What are we doing here? And he goes, I know Gary. I know. And he says.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“So then she said you to a friend of mine who's a loan officer. She can get you a second mortgage, which she did. I said, then I told her she could only get me $100,000 or so, $190,000. And she said, you should get an equity line of credit if you're going to be doing like, you know, renovating properties. So she sent me to somebody. They got me an equity line of credit. I said, Said, you know, I haven't committed fraud. I said, I wouldn't know how to commit fraud if you told me. I said, what sounds more reasonable? A guy that worked for a labor company.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“These aren't, he's like, hey, look, how did you even do this? I go, look, I didn't do this. I said, I came to Waccovia. I met with a loan officer. I said, I need a first mortgage. I need to pull out like $100,000. I want to start buying houses. He goes, that's right. You own another house here, too, don't you? I said, I do. I said, we're putting a new roof on it. We're going to build an addition. We're putting in a pool. I'm buying one right down the street from that one. I said, so I'm obviously I'm pulling out money I said, so I told them I need $100,000. They said, that's fine. They said they could only get me $100,000 out. Something about fannie mae guidelines, which is true. And I said”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“He's doing that. You know, he's going back and forth, back and forth. So we're going back and forth. And I'm just derailing everything this guy says. And at one point, he says, he's screaming, he's committing fraud. We want him arrested. And he's like, I don't know what to charge him with. And he's like, you know, he's 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
“Be illegal. I said, I don't know. I said, I mean, I work for a labor company, labor on demand. Pull out my business card. You can call. So I'm like, I work for labor on demand. And I said, we hire a lot of guys that they don't have bank accounts. So the company pays them. And then usually I'll pull out money and I'll cash their checks because they get charged like 10% of these check caching companies. And I feel bad. I know the checks are good. So I just deposit them. I mean, I don't think that, but I don't, I don't know if that's illegal. I don't think that's illegal. And he's like, no, no, that's fine. That's the decent thing to do. It's not, that's fine. I'm like, oh, okay. So he's talking to the guy and Wacovius screaming and hollering. He says, um,”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“Where you close on so many loans simultaneously they can't catch it. Anyway, they start going back and forth and he's on the phone and he's like, why did you close three loans? And I said, why are you pulling? I said, it's not illegal. I have a first mortgage, a second mortgage, and a home equity line of credit. That's perfectly legal. And he goes, and you can hear the guy. Yeah, they're all first mortgages. And I said, I read every one of those documents. Not one of them said they were first mortgages. And they don't. First mortgages don't say they're first mortgages. It's the placement of the mortgage. Placement of the lien that determines is their first, second, or third. So it's possible that I wouldn't have known it, certainly that I could have read those documents and not known. And he's like, that's not true. And he's screaming. And so I go, yeah, listen. And he said, well, you're taking out all cash. Why are you taking out all cash? I said, well, I mean, I don't know if this sounds.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“Know whatever sheriff's department or police department, whatever. And I was like, oh, okay. And he says, Yeah, listen, we've got an issue. Wakovia wants this, they want us to arrest you. He said they're saying that you've got three mortgages on your house. And I go, is that illegal? And he looked at me and he went, you know, to be honest, I don't know. And I distinctly remember thinking I'm walking out of here. All I have to do is convince this guy I haven't done anything wrong. He's already said he doesn't know. So he gets on the phone with the head of Walkovius fraud department. And he's saying this guy is running what's called a shotgunning scam, which is absolutely right. And 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
“As they walk me in the back, they're calling me Mr. Sullivan. Sit me down. And by now. The secret service are looking for me. They're calling me, but they were calling us John and Jane Doe. But now they figured out who we were. And so now I'm on the secret services most wanted. I'm not like number one at that, right? Like I probably was, but we just found out I was on that list. So it's getting bad. So they sent me down and I'm waiting. And I remember thinking that the FBI was coming. You know, I don't really know. At that point, I couldn't tell you the difference between everybody. And then five minutes go by and I'm sitting there going, what is going on? Do you guys have any idea what's going on? They're like, we don't know. We're just grunts. We just do what we're told. So suddenly this guy walks in. He's probably in his early 30s, maybe. He walks in. Graysuit, I think he looks like he's FBI. He says, hey, I'm a detective.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“They're massive. And they handcuff me and they say your Mr. Sullivan, you're being detained. We're taking you into custody and putting you, we're holding you until a detective gets here.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“No, this is the close call. I have two more close calls that. My hands sweat thinking about it. I walk into Waccovia. I just opened this account two months ago. So it's a new account. So whenever I would go in there, I'd say, hey, I need $7,000 or $6,000, anything over $3,000, they had to call to get permission, right? Like authorization. So she was like, okay, I got to go call. I said, no problem. So the girl walks in the back. I'm sitting there waiting. All of a sudden. A massive person reaches over my hand and grabs my wrist and somebody grabs it from the other one and they pull my hands behind my back. These are two of possibly the largest law enforcement officers I've ever seen in my entire life.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“Listen, they looked at me and they went And I remember he said, he goes, we'll cross that bridge when we get to it. I said, right, my immediate problem is getting rid of these people. And he goes, right, right. I go get the check, bring it back, give it to them. Never called the FBI.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“Went right, and he said, Okay, well, I said, they don't know anything. He said, I know. But Gary, he said. What if they find out? I said they find out that they're in second, third, and fourth by place. He's like, right. I said, I leave town. And so they both laugh. They go, Gary, you can't just leave town. They have a copy of your driver's license. They have your social security number. They have your birth certificate. I said, they'll find you. It's the FBI. And I go, you're assuming I'm Gary Sullivan.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“He calls the lawyer. This is back when faxes, right? So they fax some documents back and forth. They do a couple emails back and forth. And they have a conversation. I remember the lawyer started arguing because he wanted to charge me like yield spread and fees and stuff. And I was like, I was like, what are you talking about? Like, I'll pay it. So it ends up being a little over $100,000. And I'm like, that's it. So he's like, okay. And so he says, okay, that sounds good. And so he said, okay, all you have to do is go get the check. And he said, bring it to a Washington mutual branch, tell them to call. I said, I'm not going in a Washington mutual branch, bro. I'll bring you the check. So he calls him back. He's not doing that. And he's not, okay, I'm not, I'll bring it here. You guys take care. He said, no problem. Okay. Hang up the phone. And he turns to me and he says, okay, well, we have a problem. He said, we still have the problem of these other mortgages.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“Oh my God. He's like, that's what do you want to do? I said, I want you to contact them and agree for them to not contact the authorities provided we pay them. I pay them off. He goes, do you have the money? I said, I do have the money. I can go get the money right now.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“Doesn't sound right. What happened? I said, okay, so listen, bought this house Bought it cash, I then refinanced it. I didn't buy a cash. But I told them, I bought it cash. I refinanced it like four or five times within a day or two of each other. And they were like, how is that even possible? I was like, well, I went to different title companies. I explained how I do it. I said, Washington Mutual just found out that they're in like second position or third position. Or I said, but they're probable, they may be in fourth position. You know, they mail these things in. So you never know. And he was 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
“And he said, so there's an issue here. You've got a few mortgages in front of us, and we're supposed to be a first mortgage, and we're not supposed to be two mortgages behind or three. And I was like, okay, sounds like an error. Not a big deal. Have you contacted law enforcement? He said, no, I haven't. I was hoping we could rectify this some other way. I said, you know what? I think we can. I'm going to have my lawyer call you back. I'm going to go to his place right now. Give me about two hours. No problem. I immediately run, jump in my car, head towards South Carolina. call my corporate lawyer, tell him, look, I need to talk to you. Here's what's going on. I explain it to him. He doesn't really understand. He says, this sounds pretty complicated. I have my law partner is a criminal defense attorney. I'm going to set up a meeting right now with all of us. Okay, I get there 45 minutes later. I walk in the door. I sit down. He says, what happened? I said, they said, you know, Gary, this is.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“And they got that and there was actually a mortgage on the property. And so somehow or another, they connected it and they called Washington Mutual and they said, look, there's an issue. There's a fraudulent document here. And he was like, he said, so we went and we looked, and it turns out that we pulled public records and that there is a mortgage in front of us, several mortgages in front of us. So there's like three or four mortgages in front of me, Washington Mutual. You owe us, and it wasn't that much. It was like 100 grand, right? Like 95 or 100. And I said, okay.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“Right, that's exactly what it is. Like, you kind of go over boom, boom, boom, boom, you sit in your car for a minute, you put it down, you're walking. Well, what happens is it went up to like 1.5 million, and I'm pulling money out of the bank. And then one day I got a phone call on Gary Sullivan's cell phone. The guy, it's a lawyer. They call up. He says, hey, I'm lawyer with Washington Mutual. We have an issue. I said, what's that? He says, We got a phone call from the title company. One of the title companies that I was attempting to refinance one of the pieces of property with noticed that I Had been sent, they'd been sent a document that showed that I had purchased the property and I said I purchased it cash and the document said I purchased it cash.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“No, no, I went to a real corporate bank and had him open him. I gave him whatever. I gave him like $1,500, $2,000, and he opened up a corporation for me. Gary Sullivan. And I then turned around and I went and opened up multiple bank accounts in that corporation's name.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“Corporation to do that so I could then turn around and go open corporate bank accounts. Because now it's not going off my information. It's going off the corporation. So I can open up multiple corporate bank accounts.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“Or Acute. And so then they go. So then by the time you go to the third bank, they'll say, listen, something's not right. You've got multiple inquiries. You know, if you go to whatever mercantile bank, they might go, okay, we're going to open one. They're going to need an explanation. But you're not opening more than three. By the third one, they're going to be like, absolutely not. Something's wrong. So, you know, I've got multiple identities, but I can only open up so many banks. The other problem is that these checks, they'll only give you so much money on a refi. Usually after $100,000, they only want to let you walk away with, let's say, $100,000. So one of the things I did was I would typically record another mortgage and have them pay that mortgage off. So I had to open up, I opened.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“I borrow like four or five loans on that house. So I borrow like $190,000 like five times. So I've got like $800,000. And then I borrow another $300 or $400,000 on the other house, the one the smaller one, right? So it ends up being like $1.3 million. It's actually like $1.5 million. It was more. But what happened with that was, so keep in mind you can only open up so many bank accounts in your name. You can go to Bank of America, they'll open one. Then you go to SunTrust. They'll open one. They're going to even ask you, did you? You open another bank account today? Because every time you do it, there's an inquiry into something called check systems.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“So I signed that and I notarize it, which I thought was cute. I actually wanted to sign all of them cartoon characters. And Becky was screaming her head off and wouldn't let me do it, right? Like I wanted to do all the Simpsons, right? But she wouldn't let me do it. She's screaming and hollering. So I ended up, you know, nobody knows who Steve Montgomery Burns is. So I sign it, notarize it. All of those are satisfied. I then go to multiple banks and I refinance, start refinancing all these properties multiple times. So I'm applying for these loans and I'm getting the loans and I'm closing. So I've got like five or six loans on this one house. The house is like 225,000. I think it was like 230, whatever.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“So I go, I satisfy The loans, the owner finance loans, the wraparound mortgages, and I satisfy the loans, the original loans that these people took out on their own mortgages. One of them, by the way, you have to sign as the president of the bank, right? So I sign it as Contgomery Burns, which is the aging tycoon in the guy that owns a power plant in The Simpsons TV show.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“Satisfy the loans on the houses. Got an ID, not a driver's license, but an ID in the name of Gary Lee Sullivan. And I refinanced those houses because keep in mind there was owner financing. But they also had mortgages. So there's something called a wraparound mortgage. So these guys did wraparound mortgages. So let's say you buy a house for $250,000 and the bank lends you $200,000. And then you owner finance the house to me. So we do a, I give you 50 grand down. But I'm not able to get a loan from the bank to pay off your mortgage. So, what we do is You do a wraparound mortgage. So I'll pay you your mortgage and you pay the bank. So there is a second mortgage on the property, but it's called it's wrapped around your first.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“But she's also a lunatic. She's getting the cops called. She's able to go out and she's able to stay stone 24 hours a day. She's going out with friends, drinking. I never leave the house even to this day barely ever leave the house. I'm very much a homebody kind of person. So the idea that I'm able to make my living doing YouTube and I never have to leave my house. I love that. I don't ever go anywhere except for the gym and back home. That's it. So what happens is I've actually moved her out of my apartment. Like I had apartment downtown, 30-story building, actually move her into another apartment. She's that much of a lunatic. We can't even be in the same place multiple times I've tried to leave her. She's called me up and begged me to come back. It's horrible. So I end up buying a couple houses in Columbia, South Carolina.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“Thinner, better looking, you know, just tightened everything up, I guess. You know, she was in her, she'd had a kid and she was 33, 34. I don't know how she was, 20, 32, 33, I don't know, roughly my age. So, yeah, I thought she looked, you know, she lost like 15 pounds. Like she was not because of the surgery, but just in general, we're just working out. We're going mountain climbing, riding bikes, we're doing, you know, there's fraud's not a full-time job. So, you know, we have plenty of time. So we're goofing off”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“Five owner. Owner financing contracts on five different houses. So I get him, he writes up five contracts, all of them are asking for owner financing. I'll put down 10%. I want owner financing. Of them end up coming back and saying, Yes, we'll do it. I have two closings. One of them's a house that's worth like $225,000. I put down 25 grand. Another one's $110,000 I put down 11,000. So I buy these two houses. I then satisfy the loans on both the houses. Everything seems like it's going okay, although Becky's a lunatic at this point she's had so many, she won't take her medication. She's had so many outbursts that, and we've had, by this time, we've had plastic surgery. Like she's gotten plastic surgery. She's gotten a boob job. She's gotten liposuction. I mean, all kinds of stuff.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“And it was like, okay, well, prostitution, to me, women get charged with prostitution, you know? Men get charged with solicitation. I went prostitution and he goes, yeah, yeah. He said, I offered to blow an undercover cop for 20 bucks. He said, that's what I thought you were coming up here for. And I was like. And I was like, no, no, bro. I said, okay. And he's like, yeah. He said, you know, he goes, I mean, he said, I mean, a girl's got to do what a girl's got to do. And he made some comment or something. I was like, okay. So I. Jot down the rest of it. We're good. I give them 20 bucks. I get in my car. I leave. We get back to North Carolina, I order all of his documents. His name was Gary Sullivan. I then go to South Carolina Go to South Carolina Get a real estate agent. We drive around for a day. We look at like five or six houses. I”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“So I got my survey forms. So I go and we go out and we're taking, I'm taking service and I end up going up to this guy. There's like two or three guys that are standing on like a bench or sitting on it next to a bench or something and I see him and I walk up. And the guy, one guy gets up and he comes over. He's like, hey, what do you need? And I went, I'm taking a surveys for the Salvation Army to determine where we place our next homeless facility. And the guy goes, oh, I'm not interested. And they always said that. And I say it pays 20 bucks cash right now. It'll take you five minutes. And they're like, $20 cash right now. I was like, yeah, show them the cash. And they go, okay, yeah, yeah. What do you need? Name, date of birth, social security number. So when I get to criminal record, the guy, he says, criminal, he's like, yeah, I've been arrested. He's like, I've been arrested like three, four times. He said for prostitution. He said, but they're like misdemeanors. And I went, okay.”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source
“We go to Las Vegas to drop off a bunch of money to Becky's son's father who's taking care of her son. We drop off some money there. We go and we start. And while we're there, it's like, hey, there's homeless people here. So we. Usually, I don't feel bad telling Me feel bad”
2024-01-17 · Lex Fridman Podcast · #409 – Matthew Cox: FBI Most Wanted Con Man – $55 Million in Bank Fraud · IDENTIFIED FROM THE TRANSCRIPT · source