Episode Transcript
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Speaker 1 (00:00):
I was so envious of all the people at Chase
Banks over the weekend.
Speaker 2 (00:05):
The cash glitch. What was this that? Oh, so here's
what everybody was doing.
Speaker 1 (00:10):
Right. So they were going to Chase Banks and they
would take a they would get it. They'd write themselves
a check or I would say, Diane, write me a
check for five thousand dollars.
Speaker 2 (00:20):
Okay, right now, I don't have five thousand dollars in
my account.
Speaker 1 (00:23):
But I would take your check for five grand, right,
and I would take it to the machine and deposit it. Right.
So you walk up, you click deposit, yeah you, and
it puts in the when's the last time you posited
deposited a check at an ATM.
Speaker 3 (00:39):
ATM it has been a long time.
Speaker 1 (00:40):
Been a while, Yeah, it's been a while, but uh,
it was always a great feeling. I always like depositing
a check there. Like a lot of people now just
do it mobile, like through their through their phone.
Speaker 2 (00:51):
Right, no big deal.
Speaker 1 (00:52):
But anyway, so they were showing up at the bank,
and this brought back a lot of old memories for me.
But they would go to the bank, so write me
a check for five grand, right and whatever. So you
write me the check for five grand I go to
the bank and put the put put the check in. Well,
you know what, I think I have that wrong? Where
(01:14):
am I getting the check?
Speaker 2 (01:15):
Anyway?
Speaker 1 (01:16):
People were going to deposit the check, yeah, and then
they would just take all the money out the second
it went in. Oh, it didn't have to like clear exactly.
But then Diane would get charged. It must have been
my own bank. What's the fake check? Now, I don't
understand how they.
Speaker 4 (01:30):
Were doing it, so confisent didn't take part. Now I
don't understand how they were doing as I see there,
some of these ATMs had lines.
Speaker 1 (01:37):
Oh yeah, no once once it became known because you know,
like a lot of times, if you deposit a check,
it'll tell you you can only get a portion of
it out, yeah, or there's going to be a hold.
Speaker 2 (01:48):
Like when I used to when.
Speaker 1 (01:49):
I used to deposit my checks in New York, when
when you would walk up this I was facing a
lot of financial issues. But you would walk up and
it would tell you on the screen or on your
receipt X amount would be available balance yes tomorrow, Like
even if I had an available balance before I like
if I had two hundred dollars in there and I
(02:09):
put a check in, I couldn't even take out the
two hundred dollars before because they'd hold that against the check.
So I would have to take out like one hundred
dollars then deposit the check. Wait, so where am I
getting the check? So anyway, these people would go to
now I'm lost, Now I've lost myself. So these people
would go deposit a check, a fake check. Well, hell
(02:31):
can it be a fake check? You're still depositing it.
And they would deposit it for like ten thousand dollars
and then they would get all the money out.
Speaker 3 (02:40):
So they do the deposit and then immediately make the
ATM withdrawal and get the full amount.
Speaker 2 (02:45):
Yes, yes, yeah, so they check.
Speaker 1 (02:50):
Is it?
Speaker 2 (02:50):
The chick had to be real?
Speaker 1 (02:52):
But the glitch is that you should have been able
to get all the money out.
Speaker 4 (02:56):
The fund should not have been available right immediately. And
you see, sometimes with banks, it's none of it. Sometimes
it's a little bit of it.
Speaker 2 (03:03):
Yeah. No, I used to get a whole schedule.
Speaker 4 (03:04):
I used to get a whole based on institution, right.
Speaker 2 (03:07):
So, but if I got the.
Speaker 1 (03:09):
Check from Diane and it was for five hundred dollars
or five thousand, dollars and I put it in and
I took out all the money.
Speaker 2 (03:15):
Well, they still have Diane's check.
Speaker 1 (03:19):
Right, but even though I'm not supposed to have that
cash made available to me immediately understood.
Speaker 4 (03:25):
But Diane also, Oh, you're saying they would just charge her.
Speaker 1 (03:29):
Yeah, then Chase has the money and it'd be like, okay,
so we still get the five grand from the check.
We shouldn't have given out the money ahead of time.
So then why are these people allegedly going to get
busted for check fraud because it's a legit check.
Speaker 2 (03:45):
Now, I don't.
Speaker 1 (03:45):
Understand the scam because they were like everybody, everybody who
did it, they're going to go through records and try
to bust everybody else.
Speaker 3 (03:53):
I think it's pretty easily trackable.
Speaker 1 (03:56):
Yeah, but if you gave me a check and I
deposited and weighed the time, the glitch is on Chase's party,
but they still get a five thousand dollars check from you?
Does Diane? Do I have to stop payment on the check?
How's this working?
Speaker 4 (04:11):
Now?
Speaker 2 (04:12):
I don't understand the scam. Kristen, Can somebody explain the
scam to me?
Speaker 1 (04:16):
Please?
Speaker 2 (04:17):
Honestly, I was all into it.
Speaker 1 (04:19):
I was like, all right, And by the way, that
would fall under the category of you know, they ain't
getting all of us.
Speaker 4 (04:25):
Uh no, I feel like they're going to get all
of you. How long the checks out?
Speaker 1 (04:29):
Right?
Speaker 4 (04:29):
How long?
Speaker 2 (04:30):
Was this the problem most of the weekend?
Speaker 4 (04:33):
Is it done now?
Speaker 5 (04:33):
Yeah?
Speaker 2 (04:34):
Well they said so.
Speaker 1 (04:35):
I mean I would go try it right now, but
I don't know where to get the check from. But
they Chase came out and said, we fixed the glitch.
So it was the only glitch. The only glitch was again,
I took a check, I deposited a check for five grand.
I took the five grand out. I didn't have to
wait any time. I didn't have to do any of that.
(04:57):
I got all the money out.
Speaker 4 (05:01):
So the only glitch was the time not having you wait.
Speaker 1 (05:06):
So why is everybody getting busted? Why are they threatening
to go after people for check fraud?
Speaker 4 (05:12):
Well, now that gets back to the question of the
sourced check.
Speaker 2 (05:16):
Well, now I don't even understand what the scam was.
Speaker 4 (05:19):
Users knowingly deposited bad checks.
Speaker 1 (05:22):
Okay, what makes it a bad check? Diane wrote me
a check for more than she has in her account,
that would be a bad check. Okay, Then what happens.
Speaker 3 (05:31):
Well, then you get insufficient funds from me.
Speaker 2 (05:33):
So you get a ten dollars charge for NSF.
Speaker 1 (05:36):
I got plenty of those, and then they would run
the check again, and I'd be like, if the check
didn't clear the first time, why do you think it's
going to clear this time? And the second time, Wells
Fargo with their massive balls, would charge a thirty five
I'd be forty five dollars in the hole on a
check I wrote for groceries.
Speaker 4 (05:54):
But you're right, like, somebody could write you a check
and you're not.
Speaker 2 (05:58):
I don't know whether they have funds or not.
Speaker 4 (06:00):
Yeah, you're not trying to exploit what looks like was
very popular on TikTok.
Speaker 2 (06:04):
Well I stood in line for a half.
Speaker 3 (06:05):
Hour at least gets all of his financial advice from TikTok.
Speaker 4 (06:08):
The But it's not check fraud on your part in
that scenario.
Speaker 2 (06:12):
No, But that's who they're going after.
Speaker 4 (06:14):
But is it because you knowingly were depositing bad check?
Speaker 1 (06:18):
What did I tell Diane when she handed me that check?
Is this bad or good?
Speaker 2 (06:22):
I don't care. Oh, we're good.
Speaker 1 (06:23):
By the way, I've had companies write me checks and
you race to the bank I don't know if that
check is good or bad. I expect that to happen
every every fifteenth and thirtieth at this company.
Speaker 3 (06:35):
Those who took part in the TikTok scam.
Speaker 1 (06:38):
Can we call it that this is a accountable for
their action?
Speaker 4 (06:42):
Why?
Speaker 2 (06:44):
What did I do wrong? Somebody gave me a check?
I can't help it that I bank at Chase.
Speaker 4 (06:49):
This say is you're guilty of check kiting. Well, I
never heard of that. I've had check fraud. But what
is kiting? I mean, I've been to some kite festivals,
I have not check kite. Yeah, so you've never heard
that term?
Speaker 1 (07:01):
Me though? Are you saying like kite k I t
E or height hiding a kite?
Speaker 2 (07:07):
Check kiting? Yeah, check kiting? Never heard of it?
Speaker 3 (07:11):
Taking advantage to make use of non existent funds in
a checking or other baw?
Speaker 2 (07:16):
Do I know that's literally exactly what this is? Yes?
But how do I know that that is a bad check?
Speaker 4 (07:22):
The practice is known as flying a kite, as there's
nothing to support the loan besides air.
Speaker 2 (07:27):
Not on me.
Speaker 1 (07:28):
Oh I like that, but that's not on me. Have
you ever gotten a check from somebody?
Speaker 4 (07:36):
Of course?
Speaker 1 (07:36):
Right, it's your birthday, it's for whatever do you do?
You call their bank to go, hey, before I deposit this?
Speaker 2 (07:46):
No? Is there enough air to support this check? Now
you're just depositive. You're deposited.
Speaker 1 (07:51):
And then, by the way, if if there's if, if
Chase is pissed, that's on them, they should get charged.
Speaker 4 (07:57):
No, seriously, no wonder so and that you could call
businesses today we were confused by our own fraud.
Speaker 1 (08:05):
I don't even understand how this is against the law now,
I really don't.
Speaker 2 (08:10):
I don't know whether a check is good or bad.
Speaker 4 (08:15):
Uh ross w Ross writes, why wouldn't you write yourself
your own check? Were people doing that? See now that
the check to themselves?
Speaker 1 (08:25):
That could get you in trouble because then they could
go you deposited a check for twenty thousand dollars knowing
full well that you've got eighteen dollars in your account.
But you could have by the way, that's also on them,
because you could have said, yeah, I know, but I
just came into a large summ of cash.
Speaker 2 (08:43):
Then why would I deposit a check? Whatever? That's on them.
Speaker 4 (08:48):
I'm trying to think. I feel like I have written
a check to myself.
Speaker 1 (08:53):
Before isn't that open to to open an account, you
have to write yourself at check.
Speaker 4 (08:57):
Yeah, it was something like that. It had to do
with establishment of an account. But why'd you have to
do that?
Speaker 2 (09:05):
Why would I ever write myself a check?
Speaker 4 (09:08):
But you're no, you're right. We I think you have
to initially, yes, and it feels weird. Yeah, I can
remember I'd have to write myself a check. But I
would be like, So you'd open a checking account and
they'd say how much do you want to put in?
Speaker 2 (09:22):
And I'd dig through my pockets.
Speaker 6 (09:24):
I'd be like, here's here's two dollars and they would say, okay,
write a check for cash to your account, and then
they'd staple it.
Speaker 3 (09:37):
Dan, if you.
Speaker 4 (09:38):
Don't use online banking, if you're trying to transfer money
from checking to savings, you would probably would you need
a check at an ATM to do that? Or can
you go on?
Speaker 1 (09:50):
You got to tell her, You got to tell her
that no, you could transfer, you could transfer at the ATM. Yeah,
because I've done that at seven eleven where I need
to Jackie gets mad if I take it out of savings,
I can only withdraw out of checking, So I have
to transfer from savings to checking and then do it
(10:11):
no fee?
Speaker 2 (10:12):
Wow, well it's seven.
Speaker 1 (10:14):
Eleven, there is, but I don't want to go to
the Wells Fargo, so it costs me the extra three
costs me three fifty to transfer money to take out,
and then there's a fee to take out.
Speaker 2 (10:23):
Yeah.
Speaker 1 (10:23):
Whatever, But I'm you know what I'm I'm I don't
like this glitch thing.
Speaker 4 (10:31):
That says some people will write checks to themselves to
avoid wire transfer fees.
Speaker 2 (10:39):
Yeah, but if I, who have I wired money.
Speaker 1 (10:41):
To to pay a Bill Bennett the oh no, I
would have to the oh, I definitely money ordered a ton,
and then I'd have to go call them and tell
them I just money ordered, can you turn back on?
I did that so many times, and I didn't have
(11:02):
phone service because that also went in, So I'd have
to pay phone absolutely, and I have to give them
the receipt number and then they would tell you it'll
be on within the next five to seven hours, but
it would be on before that they knew me.
Speaker 4 (11:17):
Perhaps this is the best evidence to date that you
have actually deleted TikTok, because everyone was saying in those
videos they were writing checks to themselves, and as Gina explained,
laughed and laughed and laughed.
Speaker 1 (11:32):
So I write myself a check for thirty thousand dollars right,
which I don't have.
Speaker 2 (11:38):
So from Elliott to.
Speaker 4 (11:39):
You, Elliott post to TikTok about it.
Speaker 1 (11:41):
That's afterwards I put it in the bank and then
I withdraw the thirty thousand dollars. That's check fraud. I
can't write myself a check for more than what I have.
Speaker 4 (11:53):
Right, What was the most somebody was seen doing?
Speaker 2 (11:57):
I just saw it was thousands of dollars?
Speaker 1 (12:00):
Like people in the line were so pissed, like I'm
so far back, what if it drains the machine?
Speaker 4 (12:09):
I'm telling them, look at this one here, it's a
it's a block or too long.
Speaker 1 (12:12):
Oh, people were in lines. But again, I put this on.
I put this on Chase.
Speaker 4 (12:19):
You've you keep putting it on the bank. No matter
what we come up with as how people got it done,
you're still defending the bank community and not the bank
itself and trapman if ye out because they posted about it.
Speaker 1 (12:35):
If the bank left the vault open overnight with me
in there, am I am I wrong for taking the money.
The government knows people like money. It's one of the
greatest things invented. Hi Elliott in the morning.
Speaker 5 (12:51):
Hi Elliott. My name is Dominic and I'm a banker. Yes,
So what what people were doing was they were actually
writing checks on their own account and so like you
said before, they were writing fake checks or bad checks,
and then the ATM or whatever wasn't holding the funds,
so they were able to take out the money right away.
Speaker 1 (13:10):
So that's the scam. I have to write myself my
own check, yep. Why would anybody do that? I mean,
I understand in this case it was to take advantage
of a glitch. But why why do people write themselves
their own checks?
Speaker 5 (13:28):
Well, sometimes people do it, like you said, to move
money from one account to another. But it's very odd
to Like, if you have an account to Chase, you
wouldn't write yourself a check to depositive chase. You would
write it to deposit it at another bank.
Speaker 2 (13:41):
Why would anybody have accounts at two banks?
Speaker 5 (13:45):
Well, like you said, if you're opening up a new
account someplace else, you do that.
Speaker 4 (13:48):
I would never, but sometimes that you had to to
establish Maybe no, when at the onset of a new account, Yeah.
Speaker 2 (13:57):
You went from one bank to another.
Speaker 4 (13:59):
Yeah, that's what we say.
Speaker 2 (14:00):
Yeah, no.
Speaker 1 (14:00):
But I mean, why if I right now, if I decided,
you know what, I'm going to open up a new
banking account, why would I go anywhere but the bank
I'm already at, Like I'm at will Mar.
Speaker 4 (14:13):
The benefits that come with whatever this other institutions.
Speaker 2 (14:16):
For No, I don't. I want the convenience of everything being.
Speaker 1 (14:19):
Together, Like why would I Why would I go to
Truest and open up an account if I'm already at
Wells Fargo.
Speaker 4 (14:25):
Oh you're not closing?
Speaker 2 (14:26):
Well no, no, I'm keeping it. I'm opening a secondary account.
Speaker 4 (14:30):
I'm sure people spread money between different banks.
Speaker 2 (14:32):
Is that my FDIC coverage?
Speaker 4 (14:34):
Here you go?
Speaker 2 (14:35):
Okay?
Speaker 1 (14:36):
Also, who's got that kind of money in a bank? Well,
I'm talking about like rich, rich rich people. Also, you
know what, I don't fear. I don't fear my bank
going under. I know it's irresponsible. And they always say
only insured up to whatever that god crazy number is.
Speaker 2 (14:51):
I don't fear my bank going out of business, hope not.
Speaker 1 (14:54):
I also don't bank it like Gym's bank in Firewood.
Speaker 4 (14:58):
Yeah. So, and they keep saying bad check. Is that
is that because these stecks you can write checks to yourself.
But it was the intent was bad or they didn't.
Speaker 2 (15:08):
How would I know that?
Speaker 1 (15:10):
Well?
Speaker 4 (15:10):
He can referred to it as a bad check as well.
Speaker 2 (15:12):
Yeah.
Speaker 1 (15:12):
No, Is it bad because I know I don't have
thirty thousand dollars but that's what I wrote the check for?
Speaker 4 (15:18):
Or is it bad because it was not just the
faith it was actually the funds?
Speaker 1 (15:25):
By the way, you know what I would do? Follow
me here? What if I deposited? I wrote myself a
three hundred dollars check, right I Accidentally when I inputed it,
I made it a thirty thousand dollars check. When I
hit the key, it must have popped in some more zeros.
And then I looked at my available balance. I don't
(15:45):
know what my balance is. When I looked at the ballots,
it said I had thirty thousand dollars. So I took
it all out because I was shopping this week.
Speaker 4 (15:55):
That's when you drops inheritance for my grandma. That's right?
Speaker 2 (16:02):
Where am I going?
Speaker 7 (16:03):
Line one?
Speaker 3 (16:05):
Hi?
Speaker 7 (16:05):
Yell?
Speaker 2 (16:05):
Yeah's morning?
Speaker 8 (16:08):
Four?
Speaker 2 (16:09):
Who's this.
Speaker 1 (16:11):
Sean?
Speaker 2 (16:11):
Yes? What can I do for you? Sir?
Speaker 4 (16:14):
So?
Speaker 7 (16:14):
Two things? One, I know you like to hear when
people get new cars.
Speaker 2 (16:18):
Oh what'd you get?
Speaker 7 (16:20):
So I got a twenty twenty four Ford Bronco Dude, good.
Speaker 2 (16:23):
For you, good for you, beautiful soft top or hard top.
Speaker 7 (16:28):
Hard top, but it's got a nice sun roof.
Speaker 1 (16:30):
Excellent, good for you, good for you anyway, Yes, go ahead, sir.
Speaker 7 (16:34):
So the other thing is, like I don't know if
you've been like watching like all the updates and stuff,
but like people have been posting like once Chase like
caught on how like they tried to do the TikTok thing,
and now they're like in the negative on their account
and they have to like basically wait for like Chase
to unlock their account and tell them like how much
(16:54):
money they owe back to Chase because they tried to
cash fraudulent checks.
Speaker 2 (17:00):
Well, first of all, it's not a fraudulent check.
Speaker 1 (17:02):
It's actually a legitimate check if there's no air underneath
that check though, to support the funds. So that was
that where everybody went haywire. Oh and by the way,
don't freeze my account. I have bills to pay. Is
that where everybody went wrong? Was the key to have
a friend write you the check and then they just
(17:24):
get popped with a ten dollars NSF and you give
them the ten dollars.
Speaker 4 (17:29):
Amanda writes on Facebook, when you deposit funds into your account,
you are taking responsibility for what happens to those funds,
as the quote unquote last endorser. No, so that would
be a check from anybody, including yourself or another, even
if that person who wrote you the check knew there
weren't funds.
Speaker 1 (17:50):
No.
Speaker 4 (17:51):
I agree, that sounds wrong.
Speaker 1 (17:54):
So I heart cuts us our paycheck, right and they
they're they're, they're, they're, they're made out of rubber die
and they bounce. I'm responsible for the money, and I
deposited it. And you know, always like to cash back,
cash back back people. I like to get my money back.
So I've got some walking around cash. I like to
(18:15):
I get that money out right, the whole check, as
much as I can. I live in an all cash society.
I'm like the Tulsa King, all cash society. And then
it turns out that the iHeart check was rubber it bounced.
I'm responsible for their money.
Speaker 4 (18:33):
If you overdraft, think not overdraft, if you spend that money,
if it is available to you, or some of it is. Yeah,
we talked about it doesn't mean that the entire entirety
of the amount is available. But if it's a portion
and you spend it and then it turns out that
check's bad, you're getting charge.
Speaker 1 (18:51):
So that puts the onus on you, which I think
we'll all start doing today. That puts the onus on
you that whenever somebody gets a check, you have to
call their fine financial institution and ask if there's quote
when to support that check.
Speaker 4 (19:06):
It's like when they have the options on the menu.
Are you another bank? Are you a customer? Are you
a last endorserting number three? Thank you, Amanda.
Speaker 1 (19:19):
I've never heard of last endorsements, neither of I've never
heard that.
Speaker 4 (19:24):
Has that ever happened to you? Though?
Speaker 2 (19:26):
What's that fake check? A bad check? Yes?
Speaker 4 (19:30):
See bad check to me?
Speaker 2 (19:31):
Were there weren't enough funds to cover their check?
Speaker 1 (19:33):
Yes?
Speaker 4 (19:34):
Yeah, I don't like callb that a bad check.
Speaker 2 (19:36):
I've gotten checked a bad check.
Speaker 4 (19:38):
Yeah, but it's not like, oh it's so mean sounding.
Speaker 2 (19:41):
No, No, but it's not a fraudulent check.
Speaker 5 (19:43):
It is.
Speaker 4 (19:44):
It may not have the same different It sounds like
you're going to jail.
Speaker 3 (19:50):
Bad check is different from fraudulent, and that fraudulent was
like knowingly fraudulent.
Speaker 1 (19:55):
You definitely had friends back in the day who would
write you a check in one of two things. They
It would either bounce and you would have that uncomfortable
conversation of like, hey, you know your check bounce. Oh sorry,
Or they would give you a check and go, hey,
do me a favor. Don't deposit this for ten days
after that the oh. I used to do it all
(20:16):
the time. That's how I gave people checks. Don't deposit
this until. Or I would write on there, not available
for deposit until, and you can put.
Speaker 2 (20:27):
The date on there.
Speaker 4 (20:28):
That's it.
Speaker 3 (20:29):
Could you do that?
Speaker 2 (20:30):
I used to do it all the time.
Speaker 1 (20:32):
My branch manager told me to do that if I
were writing a check, but I knew that, Like they
would tell me, if you're writing your rent check, but
your pirate radio check, it's not going to clear for days.
You can't cover this when you write your rent check.
You have to put on there, not available to deposit until.
Speaker 3 (20:53):
Yeah.
Speaker 1 (20:53):
And I would tell my landlord that they couldn't deposit
until like the sixth and if they did.
Speaker 2 (20:58):
It ahead of time on them, they were cool.
Speaker 4 (21:02):
Snapchat's got the term we should be using when it's
it's not done. A TikTok challenge or fraud. A dishonored check.
Speaker 2 (21:13):
I like that, Yeah, I like that, Yeah, because it.
Speaker 4 (21:16):
Makes the person who wrote it sound like they are
they are meaning well, they're an honorable person. That check
is just dishonored.
Speaker 1 (21:24):
No. No, I definitely had friends though that purposefully wrote
me bad checks. Those are bad friends, yeah, one hundred percent.
But everybody got a check that that bounced at some point.
That's how you got by chasing checks. Yep.
Speaker 2 (21:38):
Where am I going line for hi Ellie in the morning?
Speaker 8 (21:43):
So don't most ATMs have withdrawal limits. So you write
a five thousand dollars check to yourself and your limit
is one thousand dollars you can take out. Aren't you
only on the hook for a thousand bucks not five thousand?
Speaker 2 (21:55):
Yes, that that is true.
Speaker 1 (21:56):
Even if you could have written yourself a bad check
for ten grand and only taken out one. But they'll
still say if you don't have the thousand dollars to
cover that, that you're still there's still no air under
that check. I'm gonna use that for everything. Everything is
kiting to me to be able to be able to
do that. But there are We've learned that there are
(22:17):
some banks that you could pull out thousands and thousands
of dollars.
Speaker 4 (22:20):
Chase is three thousand.
Speaker 1 (22:21):
Okay, so I a day, Yeah damn yeah.
Speaker 4 (22:25):
Wow.
Speaker 1 (22:26):
By the way, but go to casinos. Casinos are notorious
for letting you for jacking up how much you could
take out. They don't care whether that money is fraudulent
or not. That's on you and the bank. I got
five grand out of you in cash, cash money.
Speaker 2 (22:45):
So that's the that's the workaround, all right.
Speaker 1 (22:48):
So at the end of the day, a lot of
these people are unfortunately being shut down by Chase.
Speaker 4 (22:53):
Well you said that Chase has come out and fixed
the glitch.
Speaker 2 (22:57):
Well they fixed the glitch, but locked to counts.
Speaker 4 (22:59):
Yeah, they froze people.
Speaker 2 (23:00):
I've lose my mind.
Speaker 1 (23:02):
Lose my mind because now I have business to conduct
starting this week, and now you've tied up my funds.
Speaker 4 (23:11):
And it's that business. You have to source where you
got your new ideas from. They're still from TikTok, but
it's new business, differ challenge.
Speaker 2 (23:22):
But he's a good dancer.
I was so envious of all the people at Chase
Banks over the weekend.
Speaker 2 (00:05):
The cash glitch. What was this that? Oh, so here's
what everybody was doing.
Speaker 1 (00:10):
Right. So they were going to Chase Banks and they
would take a they would get it. They'd write themselves
a check or I would say, Diane, write me a
check for five thousand dollars.
Speaker 2 (00:20):
Okay, right now, I don't have five thousand dollars in
my account.
Speaker 1 (00:23):
But I would take your check for five grand, right,
and I would take it to the machine and deposit it. Right.
So you walk up, you click deposit, yeah you, and
it puts in the when's the last time you posited
deposited a check at an ATM.
Speaker 3 (00:39):
ATM it has been a long time.
Speaker 1 (00:40):
Been a while, Yeah, it's been a while, but uh,
it was always a great feeling. I always like depositing
a check there. Like a lot of people now just
do it mobile, like through their through their phone.
Speaker 2 (00:51):
Right, no big deal.
Speaker 1 (00:52):
But anyway, so they were showing up at the bank,
and this brought back a lot of old memories for me.
But they would go to the bank, so write me
a check for five grand, right and whatever. So you
write me the check for five grand I go to
the bank and put the put put the check in. Well,
you know what, I think I have that wrong? Where
(01:14):
am I getting the check?
Speaker 2 (01:15):
Anyway?
Speaker 1 (01:16):
People were going to deposit the check, yeah, and then
they would just take all the money out the second
it went in. Oh, it didn't have to like clear exactly.
But then Diane would get charged. It must have been
my own bank. What's the fake check? Now, I don't
understand how they.
Speaker 4 (01:30):
Were doing it, so confisent didn't take part. Now I
don't understand how they were doing as I see there,
some of these ATMs had lines.
Speaker 1 (01:37):
Oh yeah, no once once it became known because you know,
like a lot of times, if you deposit a check,
it'll tell you you can only get a portion of
it out, yeah, or there's going to be a hold.
Speaker 2 (01:48):
Like when I used to when.
Speaker 1 (01:49):
I used to deposit my checks in New York, when
when you would walk up this I was facing a
lot of financial issues. But you would walk up and
it would tell you on the screen or on your
receipt X amount would be available balance yes tomorrow, Like
even if I had an available balance before I like
if I had two hundred dollars in there and I
(02:09):
put a check in, I couldn't even take out the
two hundred dollars before because they'd hold that against the check.
So I would have to take out like one hundred
dollars then deposit the check. Wait, so where am I
getting the check? So anyway, these people would go to
now I'm lost, Now I've lost myself. So these people
would go deposit a check, a fake check. Well, hell
(02:31):
can it be a fake check? You're still depositing it.
And they would deposit it for like ten thousand dollars
and then they would get all the money out.
Speaker 3 (02:40):
So they do the deposit and then immediately make the
ATM withdrawal and get the full amount.
Speaker 2 (02:45):
Yes, yes, yeah, so they check.
Speaker 1 (02:50):
Is it?
Speaker 2 (02:50):
The chick had to be real?
Speaker 1 (02:52):
But the glitch is that you should have been able
to get all the money out.
Speaker 4 (02:56):
The fund should not have been available right immediately. And
you see, sometimes with banks, it's none of it. Sometimes
it's a little bit of it.
Speaker 2 (03:03):
Yeah. No, I used to get a whole schedule.
Speaker 4 (03:04):
I used to get a whole based on institution, right.
Speaker 2 (03:07):
So, but if I got the.
Speaker 1 (03:09):
Check from Diane and it was for five hundred dollars
or five thousand, dollars and I put it in and
I took out all the money.
Speaker 2 (03:15):
Well, they still have Diane's check.
Speaker 1 (03:19):
Right, but even though I'm not supposed to have that
cash made available to me immediately understood.
Speaker 4 (03:25):
But Diane also, Oh, you're saying they would just charge her.
Speaker 1 (03:29):
Yeah, then Chase has the money and it'd be like, okay,
so we still get the five grand from the check.
We shouldn't have given out the money ahead of time.
So then why are these people allegedly going to get
busted for check fraud because it's a legit check.
Speaker 2 (03:45):
Now, I don't.
Speaker 1 (03:45):
Understand the scam because they were like everybody, everybody who
did it, they're going to go through records and try
to bust everybody else.
Speaker 3 (03:53):
I think it's pretty easily trackable.
Speaker 1 (03:56):
Yeah, but if you gave me a check and I
deposited and weighed the time, the glitch is on Chase's party,
but they still get a five thousand dollars check from you?
Does Diane? Do I have to stop payment on the check?
How's this working?
Speaker 4 (04:11):
Now?
Speaker 2 (04:12):
I don't understand the scam. Kristen, Can somebody explain the
scam to me?
Speaker 1 (04:16):
Please?
Speaker 2 (04:17):
Honestly, I was all into it.
Speaker 1 (04:19):
I was like, all right, And by the way, that
would fall under the category of you know, they ain't
getting all of us.
Speaker 4 (04:25):
Uh no, I feel like they're going to get all
of you. How long the checks out?
Speaker 1 (04:29):
Right?
Speaker 4 (04:29):
How long?
Speaker 2 (04:30):
Was this the problem most of the weekend?
Speaker 4 (04:33):
Is it done now?
Speaker 5 (04:33):
Yeah?
Speaker 2 (04:34):
Well they said so.
Speaker 1 (04:35):
I mean I would go try it right now, but
I don't know where to get the check from. But
they Chase came out and said, we fixed the glitch.
So it was the only glitch. The only glitch was again,
I took a check, I deposited a check for five grand.
I took the five grand out. I didn't have to
wait any time. I didn't have to do any of that.
(04:57):
I got all the money out.
Speaker 4 (05:01):
So the only glitch was the time not having you wait.
Speaker 1 (05:06):
So why is everybody getting busted? Why are they threatening
to go after people for check fraud?
Speaker 4 (05:12):
Well, now that gets back to the question of the
sourced check.
Speaker 2 (05:16):
Well, now I don't even understand what the scam was.
Speaker 4 (05:19):
Users knowingly deposited bad checks.
Speaker 1 (05:22):
Okay, what makes it a bad check? Diane wrote me
a check for more than she has in her account,
that would be a bad check. Okay, Then what happens.
Speaker 3 (05:31):
Well, then you get insufficient funds from me.
Speaker 2 (05:33):
So you get a ten dollars charge for NSF.
Speaker 1 (05:36):
I got plenty of those, and then they would run
the check again, and I'd be like, if the check
didn't clear the first time, why do you think it's
going to clear this time? And the second time, Wells
Fargo with their massive balls, would charge a thirty five
I'd be forty five dollars in the hole on a
check I wrote for groceries.
Speaker 4 (05:54):
But you're right, like, somebody could write you a check
and you're not.
Speaker 2 (05:58):
I don't know whether they have funds or not.
Speaker 4 (06:00):
Yeah, you're not trying to exploit what looks like was
very popular on TikTok.
Speaker 2 (06:04):
Well I stood in line for a half.
Speaker 3 (06:05):
Hour at least gets all of his financial advice from TikTok.
Speaker 4 (06:08):
The But it's not check fraud on your part in
that scenario.
Speaker 2 (06:12):
No, But that's who they're going after.
Speaker 4 (06:14):
But is it because you knowingly were depositing bad check?
Speaker 1 (06:18):
What did I tell Diane when she handed me that check?
Is this bad or good?
Speaker 2 (06:22):
I don't care. Oh, we're good.
Speaker 1 (06:23):
By the way, I've had companies write me checks and
you race to the bank I don't know if that
check is good or bad. I expect that to happen
every every fifteenth and thirtieth at this company.
Speaker 3 (06:35):
Those who took part in the TikTok scam.
Speaker 1 (06:38):
Can we call it that this is a accountable for
their action?
Speaker 4 (06:42):
Why?
Speaker 2 (06:44):
What did I do wrong? Somebody gave me a check?
I can't help it that I bank at Chase.
Speaker 4 (06:49):
This say is you're guilty of check kiting. Well, I
never heard of that. I've had check fraud. But what
is kiting? I mean, I've been to some kite festivals,
I have not check kite. Yeah, so you've never heard
that term?
Speaker 1 (07:01):
Me though? Are you saying like kite k I t
E or height hiding a kite?
Speaker 2 (07:07):
Check kiting? Yeah, check kiting? Never heard of it?
Speaker 3 (07:11):
Taking advantage to make use of non existent funds in
a checking or other baw?
Speaker 2 (07:16):
Do I know that's literally exactly what this is? Yes?
But how do I know that that is a bad check?
Speaker 4 (07:22):
The practice is known as flying a kite, as there's
nothing to support the loan besides air.
Speaker 2 (07:27):
Not on me.
Speaker 1 (07:28):
Oh I like that, but that's not on me. Have
you ever gotten a check from somebody?
Speaker 4 (07:36):
Of course?
Speaker 1 (07:36):
Right, it's your birthday, it's for whatever do you do?
You call their bank to go, hey, before I deposit this?
Speaker 2 (07:46):
No? Is there enough air to support this check? Now
you're just depositive. You're deposited.
Speaker 1 (07:51):
And then, by the way, if if there's if, if
Chase is pissed, that's on them, they should get charged.
Speaker 4 (07:57):
No, seriously, no wonder so and that you could call
businesses today we were confused by our own fraud.
Speaker 1 (08:05):
I don't even understand how this is against the law now,
I really don't.
Speaker 2 (08:10):
I don't know whether a check is good or bad.
Speaker 4 (08:15):
Uh ross w Ross writes, why wouldn't you write yourself
your own check? Were people doing that? See now that
the check to themselves?
Speaker 1 (08:25):
That could get you in trouble because then they could
go you deposited a check for twenty thousand dollars knowing
full well that you've got eighteen dollars in your account.
But you could have by the way, that's also on them,
because you could have said, yeah, I know, but I
just came into a large summ of cash.
Speaker 2 (08:43):
Then why would I deposit a check? Whatever? That's on them.
Speaker 4 (08:48):
I'm trying to think. I feel like I have written
a check to myself.
Speaker 1 (08:53):
Before isn't that open to to open an account, you
have to write yourself at check.
Speaker 4 (08:57):
Yeah, it was something like that. It had to do
with establishment of an account. But why'd you have to
do that?
Speaker 2 (09:05):
Why would I ever write myself a check?
Speaker 4 (09:08):
But you're no, you're right. We I think you have
to initially, yes, and it feels weird. Yeah, I can
remember I'd have to write myself a check. But I
would be like, So you'd open a checking account and
they'd say how much do you want to put in?
Speaker 2 (09:22):
And I'd dig through my pockets.
Speaker 6 (09:24):
I'd be like, here's here's two dollars and they would say, okay,
write a check for cash to your account, and then
they'd staple it.
Speaker 3 (09:37):
Dan, if you.
Speaker 4 (09:38):
Don't use online banking, if you're trying to transfer money
from checking to savings, you would probably would you need
a check at an ATM to do that? Or can
you go on?
Speaker 1 (09:50):
You got to tell her, You got to tell her
that no, you could transfer, you could transfer at the ATM. Yeah,
because I've done that at seven eleven where I need
to Jackie gets mad if I take it out of savings,
I can only withdraw out of checking, So I have
to transfer from savings to checking and then do it
(10:11):
no fee?
Speaker 2 (10:12):
Wow, well it's seven.
Speaker 1 (10:14):
Eleven, there is, but I don't want to go to
the Wells Fargo, so it costs me the extra three
costs me three fifty to transfer money to take out,
and then there's a fee to take out.
Speaker 2 (10:23):
Yeah.
Speaker 1 (10:23):
Whatever, But I'm you know what I'm I'm I don't
like this glitch thing.
Speaker 4 (10:31):
That says some people will write checks to themselves to
avoid wire transfer fees.
Speaker 2 (10:39):
Yeah, but if I, who have I wired money.
Speaker 1 (10:41):
To to pay a Bill Bennett the oh no, I
would have to the oh, I definitely money ordered a ton,
and then I'd have to go call them and tell
them I just money ordered, can you turn back on?
I did that so many times, and I didn't have
(11:02):
phone service because that also went in, So I'd have
to pay phone absolutely, and I have to give them
the receipt number and then they would tell you it'll
be on within the next five to seven hours, but
it would be on before that they knew me.
Speaker 4 (11:17):
Perhaps this is the best evidence to date that you
have actually deleted TikTok, because everyone was saying in those
videos they were writing checks to themselves, and as Gina explained,
laughed and laughed and laughed.
Speaker 1 (11:32):
So I write myself a check for thirty thousand dollars right,
which I don't have.
Speaker 2 (11:38):
So from Elliott to.
Speaker 4 (11:39):
You, Elliott post to TikTok about it.
Speaker 1 (11:41):
That's afterwards I put it in the bank and then
I withdraw the thirty thousand dollars. That's check fraud. I
can't write myself a check for more than what I have.
Speaker 4 (11:53):
Right, What was the most somebody was seen doing?
Speaker 2 (11:57):
I just saw it was thousands of dollars?
Speaker 1 (12:00):
Like people in the line were so pissed, like I'm
so far back, what if it drains the machine?
Speaker 4 (12:09):
I'm telling them, look at this one here, it's a
it's a block or too long.
Speaker 1 (12:12):
Oh, people were in lines. But again, I put this on.
I put this on Chase.
Speaker 4 (12:19):
You've you keep putting it on the bank. No matter
what we come up with as how people got it done,
you're still defending the bank community and not the bank
itself and trapman if ye out because they posted about it.
Speaker 1 (12:35):
If the bank left the vault open overnight with me
in there, am I am I wrong for taking the money.
The government knows people like money. It's one of the
greatest things invented. Hi Elliott in the morning.
Speaker 5 (12:51):
Hi Elliott. My name is Dominic and I'm a banker. Yes,
So what what people were doing was they were actually
writing checks on their own account and so like you
said before, they were writing fake checks or bad checks,
and then the ATM or whatever wasn't holding the funds,
so they were able to take out the money right away.
Speaker 1 (13:10):
So that's the scam. I have to write myself my
own check, yep. Why would anybody do that? I mean,
I understand in this case it was to take advantage
of a glitch. But why why do people write themselves
their own checks?
Speaker 5 (13:28):
Well, sometimes people do it, like you said, to move
money from one account to another. But it's very odd
to Like, if you have an account to Chase, you
wouldn't write yourself a check to depositive chase. You would
write it to deposit it at another bank.
Speaker 2 (13:41):
Why would anybody have accounts at two banks?
Speaker 5 (13:45):
Well, like you said, if you're opening up a new
account someplace else, you do that.
Speaker 4 (13:48):
I would never, but sometimes that you had to to
establish Maybe no, when at the onset of a new account, Yeah.
Speaker 2 (13:57):
You went from one bank to another.
Speaker 4 (13:59):
Yeah, that's what we say.
Speaker 2 (14:00):
Yeah, no.
Speaker 1 (14:00):
But I mean, why if I right now, if I decided,
you know what, I'm going to open up a new
banking account, why would I go anywhere but the bank
I'm already at, Like I'm at will Mar.
Speaker 4 (14:13):
The benefits that come with whatever this other institutions.
Speaker 2 (14:16):
For No, I don't. I want the convenience of everything being.
Speaker 1 (14:19):
Together, Like why would I Why would I go to
Truest and open up an account if I'm already at
Wells Fargo.
Speaker 4 (14:25):
Oh you're not closing?
Speaker 2 (14:26):
Well no, no, I'm keeping it. I'm opening a secondary account.
Speaker 4 (14:30):
I'm sure people spread money between different banks.
Speaker 2 (14:32):
Is that my FDIC coverage?
Speaker 4 (14:34):
Here you go?
Speaker 2 (14:35):
Okay?
Speaker 1 (14:36):
Also, who's got that kind of money in a bank? Well,
I'm talking about like rich, rich rich people. Also, you
know what, I don't fear. I don't fear my bank
going under. I know it's irresponsible. And they always say
only insured up to whatever that god crazy number is.
Speaker 2 (14:51):
I don't fear my bank going out of business, hope not.
Speaker 1 (14:54):
I also don't bank it like Gym's bank in Firewood.
Speaker 4 (14:58):
Yeah. So, and they keep saying bad check. Is that
is that because these stecks you can write checks to yourself.
But it was the intent was bad or they didn't.
Speaker 2 (15:08):
How would I know that?
Speaker 1 (15:10):
Well?
Speaker 4 (15:10):
He can referred to it as a bad check as well.
Speaker 2 (15:12):
Yeah.
Speaker 1 (15:12):
No, Is it bad because I know I don't have
thirty thousand dollars but that's what I wrote the check for?
Speaker 4 (15:18):
Or is it bad because it was not just the
faith it was actually the funds?
Speaker 1 (15:25):
By the way, you know what I would do? Follow
me here? What if I deposited? I wrote myself a
three hundred dollars check, right I Accidentally when I inputed it,
I made it a thirty thousand dollars check. When I
hit the key, it must have popped in some more zeros.
And then I looked at my available balance. I don't
(15:45):
know what my balance is. When I looked at the ballots,
it said I had thirty thousand dollars. So I took
it all out because I was shopping this week.
Speaker 4 (15:55):
That's when you drops inheritance for my grandma. That's right?
Speaker 2 (16:02):
Where am I going?
Speaker 7 (16:03):
Line one?
Speaker 3 (16:05):
Hi?
Speaker 7 (16:05):
Yell?
Speaker 2 (16:05):
Yeah's morning?
Speaker 8 (16:08):
Four?
Speaker 2 (16:09):
Who's this.
Speaker 1 (16:11):
Sean?
Speaker 2 (16:11):
Yes? What can I do for you? Sir?
Speaker 4 (16:14):
So?
Speaker 7 (16:14):
Two things? One, I know you like to hear when
people get new cars.
Speaker 2 (16:18):
Oh what'd you get?
Speaker 7 (16:20):
So I got a twenty twenty four Ford Bronco Dude, good.
Speaker 2 (16:23):
For you, good for you, beautiful soft top or hard top.
Speaker 7 (16:28):
Hard top, but it's got a nice sun roof.
Speaker 1 (16:30):
Excellent, good for you, good for you anyway, Yes, go ahead, sir.
Speaker 7 (16:34):
So the other thing is, like I don't know if
you've been like watching like all the updates and stuff,
but like people have been posting like once Chase like
caught on how like they tried to do the TikTok thing,
and now they're like in the negative on their account
and they have to like basically wait for like Chase
to unlock their account and tell them like how much
(16:54):
money they owe back to Chase because they tried to
cash fraudulent checks.
Speaker 2 (17:00):
Well, first of all, it's not a fraudulent check.
Speaker 1 (17:02):
It's actually a legitimate check if there's no air underneath
that check though, to support the funds. So that was
that where everybody went haywire. Oh and by the way,
don't freeze my account. I have bills to pay. Is
that where everybody went wrong? Was the key to have
a friend write you the check and then they just
(17:24):
get popped with a ten dollars NSF and you give
them the ten dollars.
Speaker 4 (17:29):
Amanda writes on Facebook, when you deposit funds into your account,
you are taking responsibility for what happens to those funds,
as the quote unquote last endorser. No, so that would
be a check from anybody, including yourself or another, even
if that person who wrote you the check knew there
weren't funds.
Speaker 1 (17:50):
No.
Speaker 4 (17:51):
I agree, that sounds wrong.
Speaker 1 (17:54):
So I heart cuts us our paycheck, right and they
they're they're, they're, they're, they're made out of rubber die
and they bounce. I'm responsible for the money, and I
deposited it. And you know, always like to cash back,
cash back back people. I like to get my money back.
So I've got some walking around cash. I like to
(18:15):
I get that money out right, the whole check, as
much as I can. I live in an all cash society.
I'm like the Tulsa King, all cash society. And then
it turns out that the iHeart check was rubber it bounced.
I'm responsible for their money.
Speaker 4 (18:33):
If you overdraft, think not overdraft, if you spend that money,
if it is available to you, or some of it is. Yeah,
we talked about it doesn't mean that the entire entirety
of the amount is available. But if it's a portion
and you spend it and then it turns out that
check's bad, you're getting charge.
Speaker 1 (18:51):
So that puts the onus on you, which I think
we'll all start doing today. That puts the onus on
you that whenever somebody gets a check, you have to
call their fine financial institution and ask if there's quote
when to support that check.
Speaker 4 (19:06):
It's like when they have the options on the menu.
Are you another bank? Are you a customer? Are you
a last endorserting number three? Thank you, Amanda.
Speaker 1 (19:19):
I've never heard of last endorsements, neither of I've never
heard that.
Speaker 4 (19:24):
Has that ever happened to you? Though?
Speaker 2 (19:26):
What's that fake check? A bad check? Yes?
Speaker 4 (19:30):
See bad check to me?
Speaker 2 (19:31):
Were there weren't enough funds to cover their check?
Speaker 1 (19:33):
Yes?
Speaker 4 (19:34):
Yeah, I don't like callb that a bad check.
Speaker 2 (19:36):
I've gotten checked a bad check.
Speaker 4 (19:38):
Yeah, but it's not like, oh it's so mean sounding.
Speaker 2 (19:41):
No, No, but it's not a fraudulent check.
Speaker 5 (19:43):
It is.
Speaker 4 (19:44):
It may not have the same different It sounds like
you're going to jail.
Speaker 3 (19:50):
Bad check is different from fraudulent, and that fraudulent was
like knowingly fraudulent.
Speaker 1 (19:55):
You definitely had friends back in the day who would
write you a check in one of two things. They
It would either bounce and you would have that uncomfortable
conversation of like, hey, you know your check bounce. Oh sorry,
Or they would give you a check and go, hey,
do me a favor. Don't deposit this for ten days
after that the oh. I used to do it all
(20:16):
the time. That's how I gave people checks. Don't deposit
this until. Or I would write on there, not available
for deposit until, and you can put.
Speaker 2 (20:27):
The date on there.
Speaker 4 (20:28):
That's it.
Speaker 3 (20:29):
Could you do that?
Speaker 2 (20:30):
I used to do it all the time.
Speaker 1 (20:32):
My branch manager told me to do that if I
were writing a check, but I knew that, Like they
would tell me, if you're writing your rent check, but
your pirate radio check, it's not going to clear for days.
You can't cover this when you write your rent check.
You have to put on there, not available to deposit until.
Speaker 3 (20:53):
Yeah.
Speaker 1 (20:53):
And I would tell my landlord that they couldn't deposit
until like the sixth and if they did.
Speaker 2 (20:58):
It ahead of time on them, they were cool.
Speaker 4 (21:02):
Snapchat's got the term we should be using when it's
it's not done. A TikTok challenge or fraud. A dishonored check.
Speaker 2 (21:13):
I like that, Yeah, I like that, Yeah, because it.
Speaker 4 (21:16):
Makes the person who wrote it sound like they are
they are meaning well, they're an honorable person. That check
is just dishonored.
Speaker 1 (21:24):
No. No, I definitely had friends though that purposefully wrote
me bad checks. Those are bad friends, yeah, one hundred percent.
But everybody got a check that that bounced at some point.
That's how you got by chasing checks. Yep.
Speaker 2 (21:38):
Where am I going line for hi Ellie in the morning?
Speaker 8 (21:43):
So don't most ATMs have withdrawal limits. So you write
a five thousand dollars check to yourself and your limit
is one thousand dollars you can take out. Aren't you
only on the hook for a thousand bucks not five thousand?
Speaker 2 (21:55):
Yes, that that is true.
Speaker 1 (21:56):
Even if you could have written yourself a bad check
for ten grand and only taken out one. But they'll
still say if you don't have the thousand dollars to
cover that, that you're still there's still no air under
that check. I'm gonna use that for everything. Everything is
kiting to me to be able to be able to
do that. But there are We've learned that there are
(22:17):
some banks that you could pull out thousands and thousands
of dollars.
Speaker 4 (22:20):
Chase is three thousand.
Speaker 1 (22:21):
Okay, so I a day, Yeah damn yeah.
Speaker 4 (22:25):
Wow.
Speaker 1 (22:26):
By the way, but go to casinos. Casinos are notorious
for letting you for jacking up how much you could
take out. They don't care whether that money is fraudulent
or not. That's on you and the bank. I got
five grand out of you in cash, cash money.
Speaker 2 (22:45):
So that's the that's the workaround, all right.
Speaker 1 (22:48):
So at the end of the day, a lot of
these people are unfortunately being shut down by Chase.
Speaker 4 (22:53):
Well you said that Chase has come out and fixed
the glitch.
Speaker 2 (22:57):
Well they fixed the glitch, but locked to counts.
Speaker 4 (22:59):
Yeah, they froze people.
Speaker 2 (23:00):
I've lose my mind.
Speaker 1 (23:02):
Lose my mind because now I have business to conduct
starting this week, and now you've tied up my funds.
Speaker 4 (23:11):
And it's that business. You have to source where you
got your new ideas from. They're still from TikTok, but
it's new business, differ challenge.
Speaker 2 (23:22):
But he's a good dancer.
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