Matthew Cox | Inside True Crime Podcast Credit Card Scammer Beats The Banks! ($3.6M Stolen)
Dec 14, 2025
A former scammer, Flame, shares his astonishing journey through the credit fraud world, detailing clever tactics he employed against banks. He reveals how working in debt collection gave him insider knowledge and how sneaking into underwriting conferences expanded his expertise. From identity theft attempts to manipulating IRS transcripts, Flame's stories are both shocking and fascinating. He also discusses his close calls with bank staff and the strategies he used to stay one step ahead while laundering card charges.
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Money Order Phone-Bill Scam
- Flame describes using $5 money orders and routing/account numbers to pay large phone bills as his first scam.
- That trick ran for months and launched his move into more complex fraud schemes.
Debt Collectors Reveal Hidden Credit Data
- Working at a collections shop exposed Flame to full credit reports and skip-tracing tools like LexisNexis.
- That access revealed how high credit limits existed despite later defaults, sparking his scheme ideas.
Sneaking Into An Underwriters Conference
- Flame infiltrated an underwriters' conference by taking a lanyard and pretending to belong.
- He used conversations there to learn underwriting roles and banking jargon to exploit lending processes.
