PPP Fraud Stories - 5 people caught for PPP Fraud - True crime
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- Опубліковано 25 сер 2024
- The Paycheck Protection Program (PPP) has helped millions of businesses in the US, but it has also been fraught with fraud. The program has been a prime target for fraudsters and people looking to take advantage of the system. PPP fraud is a crime. This video describes true crime stories of individuals who perpetrated white collar crime.
Make sure you catch the interview with Jeff Grant about his SBA fraud story: • He went to prison - Wh...
Links to the 5 stories mentioned in this video (in order):
1) www.nbclosange...
2) www.justice.go...
3) www.justice.go...
4) www.justice.go...
5) www.justice.go...
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Hannah Smolinski is a #CPA and the Founder of Clara CFO Group. Find out more about Clara CFO Group at claracfo.com/
Disclaimer: This video is intended for educational purposes and
should not be taken as legal or tax advice. You should consult with your financial professionals about your unique financial situation before acting on anything discussed in these videos. Clara CFO Group, LLC is providing educational content to help small business owners become more aware of certain issues and topics, but we cannot give blanket advice to a broad audience.
Buying Lambo after getting a loan under false pretenses is an example of why you’re not smart enough to have that kind of money lol
Excellent observation.
True
agreed.
TRUTH.
Facts
I applied for 8 thousand for my legal business and was denied. these people got MILLIONS through fraud. lock em up.
definitely not fair! I wonder why you were denied!?
I can't get a penny but everyone without buisness getting the money and the small business is not getting it
So frustrating. I'm so sorry.
Cap
Get a legit accountant to help you apply...makes approvals easier.
was taking place and FRAUDSTERS where recieving that money but legitimate PEOPLE was on hold I was ONE of the people didn't receive my unemployment till December 28 but was layed off March 17 SMFH you would think they wouldn't even let this WICKED game happen again 🙄😡
Well this is the same fuckery when EDD
why does these loans get approved? when I get my PPP loan for $12000 I had to submit a bunch of bank statements, verification call after verification call. The bank who fund these loan need to be fined too for not guarding our tax money tight enough.
Poeple lied about ther income,that’s also the problem.You can have a legal business but most still lied about their income and that’s fraud
And they submitted false paperwork too! It's sad
I mean I had a $2,340.00 PPP loan and the bank put me through the wringer. I had to submit tax returns, 1099MISC, bank statements for the year, and check stubs invoices that had to match to the letter my 1099MISC amount going into the account and I had to account for all business activity information from Jan through March of 2020 for my home-based business. Two weeks after I got the PPP loan I wired the money back because I got approved for PUA unemployment. How these people got loans big enough to do some of the fraud I'm hearing of is really amazing. I thought the bank was going to do a home visit and see if I really had a home office. I did a second round of PPP because you could use it for operational expenses. I wrote down on my application every single line item I plan to use that $2340 for down to the penny. I don't want any trouble. This government needs to have a national business registry and mandatory business education certification if you want to access any federal funds for business. Lots of people don't have a clue how to properly set up a business so that it is legitimate. I know business licensing is usually a state registry but the Feds and IRS should have access to those state databases to avoid the type of frauds that occur when federal taxpayer dollars are being distributed.
@@politicallil7060 You did the correct thing , most people didn’t. I have know a few mexican restaurants in my are who reported they have over 100 employees , i saw online on the sba website they received over 1,000,000 how is that possible , now the owners are driving lambos and ferraris
These scams were auto approved by certain servicers and banks. There are a few online banks that just let ppl do whatever
People are filling self employed getting 20,000 and they think the feds are only looking at the big loans
These fraudsters will be caught. Fake Schedule Cs are going to be found out....it's just a matter of time!
👆🏿💯💯 You're RIGHT I know some young and Dumb people who did this and feel like NOTHING is going to happen their living life right now 👆🏿😦
@@mikimousechocolate7449 they're going to go to jail for falsifying the application and Bank fraud
It’s easy to get money if you’re a Con artist! The real companies can’t get anything
I feel like the people that did fraud with something this easily trackable are the same people that think putting gasoline in plastic shopping bags is a stellar idea.
lol
@@ClaraCFO Great video. I know of 5 people in Chicago who did at least 12 apps each. All over 20k. How did they say they lived in different states on each app? Most of the apps were approved and forgiven by the same mortgage or some lenders and banks Harvest Small Business Finance covered a lot of their loans.
I hope everyone that defraud the ppp loans and taxpayers gets their day in Cort and then go to jail .
LOL - PAY FRAUD RESTITUTION WITH FRAUDULENTLY OBTAINED FUNDS - IRONY is an understatement!
😂😂😂😂🤦♀️🤦♀️🤦♀️🤦♀️🤦♀️🤦♀️🤦♀️
Just so funny how sooooo many ppl so worried about being successful , materialistic things and money we dont even have the thought of dicerning what times we in! Very interesting
@Clårā CFØ Group dont need assistance im not a thief thank you
Some kids in NY ages ranging 18-25 ran up millions
People need to understand that there is a consequence for everything you do. It doesn't hurt, to be honest. Thanks for the great information, Clara.
Absolutely!
Bell curve .millionaires n billionaires use it it’s the bendy line in between honest lying n law .scrupulous people honest people deceptive people .
I hope they catch the person who stole my mom’s identity these assholes claimed unemployment under her name did a tax return under her name and thank God they didn’t try to do a PPP in her name.
I wish we could see the peoples mugshots when they get caught identity theft is a major problem as well and the people got over $10,000 for it they will be looking at jail time.
Identity theft, and grand larceny is no joke
I know someone arguing with PPP, over the phone, about a loan saying they did not apply. Weeks later an RV showed up at their home. Their daughter and husband took the RV to another state. I have no real proof it came from a PPP loan, only what I saw and heard.
Yikes!
Fraudsters aside... is there some rule that the SBA cannot call up a bank and ask "What date was this business checking account opened and was there activity the six months prior to the rona?" Is there? Because that ONE SIMPLE QUESTION would have avoided the majority if this fraud. What in the world led these people to hand out money without confirmation that there was a business? I just don't get it! Real businesses out there struggling and closing their doors - laying people off. A business should NOT be told that there is help, only to WAIT and REPLAN over and over... no one can run a business like that. Many should have closed their doors right then but instead - are stressed out, stressing their employees and family - and planning, replanning, and replanning again because the SBA didn't keep their end of the deal and the politicians don't seem to care that a bill was passed and is causing more harm than good.
The fact that these frauds are getting caught bc they’re using that $ to buy luxury items just shows why they should not be getting free money in general (stimulus). You’re telling on yourself by doing that.
Stupid question here. What if you took a ppp loan then (transfer money to your personal account (pay yourself, LLC sole proprietor) and then from that account you buy or spend it however you want it. Would that b valid?
Here you go: ua-cam.com/video/6Pu27LcvmgU/v-deo.html
I am doing a follow-up video on discerning fraud vs. eligible personal expenses
RED FLAGS SHOULD HAVE BEEN PUT UP FILLING OUT THAT MANY APPS ON PAPER. IT'S ON FILE WHAT YOUR DOING ABOUT MONEY, WHO THE HECK IS ALLOWING THAT MANY APPS TO GO THRU LIKE THAT??. YOU CAN'T WALK IN A DEALERSHIP AND BUY A CAR IN NORTH CAROLINA WITH OVER $7,500 IN YOUR POCKET. YOU WILL HAVE TO EXPLAIN WHERE YOU GOT IT FROM. THE FEDS WILL BE CALL OUT. IT USED TO BE $10K IN N.C.
Can a person who fraudulently applied for a fake business and got a PPP loan claim her identity was stolen and get away with it?
People commit crimes all the time and get away with it. I hope justice is served though.
Missed out on my second draw because I waited 8 weeks. Totally regret it now.
My bank said I had to wait too...You can go to a community bank listed...three aren't many but they're still allowed to lend
I didn't "qualify" for the loan. I'm an independent contractor as a truck driver and have been for 2 years. My wife and I are talking about selling my truck and our home. Just to provide for our two young kids.
Its. A trap for rats
They knew it will be fraudsters and scams from this they fall for the bate. They knw we are very stupid just like u do and i agree but im saddened
I would like to know how can I report someone who committed fraud with the sba loans. Can someone here tell me how to report it please
www.sba.gov/partners/contracting-officials/contract-administration/report-fraud-waste-abuse#:~:text=You%20may%20report%20fraud%2C%20waste%2C%20mismanagement%2C%20or%20misconduct%20involving,may%20choose%20to%20remain%20anonymous.
“It takes a lot of creativity to come up with all of this” … HAH😅😂
so weird that the government just didnt take the small step to check with the IRS to see if the Companies filed the 941's that were submitted
Theres alot of people who signed Docusign but later received credit denials..... Including me
Ppp doesnt check credit. I dont understand.....the signed application and probably funds just dissappear? 👩🔬
Why is Biz2credit continiously emailing recipients to finish their first draw application when
1. In January, many applied though Biz2credit and a few others but heard notbing until March.
By that time, most already got approved and funded.
Why are they continuing to stockingly email recipient to finish their first PPP after being told we already received funding.
But was persistant and finally gave us a denial due to credit.
And now they are back.....during the most needed time period for small business owners. I can start to see the chaos and most likely many fraudulent activities from within the SBA.
There are no glitches....its inside job.
@@Marynett_2024 Thats what I was telling everyone trying to get this loan smh feels like a setup too. But IDK
You knw i feel sorry for my ppl we rather look good then be smart im very dissapointed. "A good name is rather to be chosen rather than precious jewels and rubies and nothing can be compared to it" many dont have a clue wat this means. This materialistic world and money will be the fall of sooo many i really hope ppl wake up
@Clårā CFØ Group dont need assistance im not a thief
I’m confused so if I’m a sole proprietor and it got deposited into my personal account , all I have to do is save my bank statement for loan forgiveness??
Marques Johnson so what do I need to prove forgiveness
look its another scammer thats praying they get forgiveness on a fraud loan
Yes - ua-cam.com/video/6Pu27LcvmgU/v-deo.html
They advertised this stuff on utube, . . Telling them how too,
Video starts at 5:35
Most public don’t know that their local businesses received hundreds of thousands of dollars sometimes even millions. And they even let employees go, and not even paid them they just let their employees collect EDD . How can this be. I know of many Mexican restaurants in my area who reported they have over 100 employees when they dont have more than 20 and receive alot of free money , I reviewed the information on the SBA website.
They should have known that many employees was a lie.
I have a question, so i received a 20k loan and the lender but the funds into my personal savings account ( I have my as personal checking&savings as well as a business account savings in which the funds were put into) I am a sole priopetor , the money in which I move into my personal checking account as payroll i can or cannot use for buying supplies that are needed to run my business? My business is in conscious awareness energy healing (new age movement work) so materials like crystals, insense, meditation music equipment, etc that I purchase on Amazon . I thought once we "pay" ourselves in payroll into personal checking we can spend on personal use groceries, etc??
ua-cam.com/video/6Pu27LcvmgU/v-deo.html
Once you get the money "home" to you as an owner, you can use it for anything.....including reinvesting it back into your business.
It's very stressful.
I'm a legit 1099 schedule c tax filer.
I drive uber.
I was impacted by 2020.
I submitted everything correctly, but why do I feel guilty for taking these loans now?
I have not used 1 dollar of my loans
I transferred both draws to a personal account as owners compensation.
I in a sense paid myself.
I should be good.
But I'm afraid to spend any money.
I write off milage on my taxes.
So if I spend the money on my car payment, or gas... these I think are not qualified....
It's stressful, so I'm just returning the money.
I need the money, but I don't need the stress of not using it correctly
I feel the same. I have a legit business and all this scares me
Most of y’all still lied about y’all income
@@melbasanders3531 you should be scared of you lied about A penny over
@@melbasanders3531 sorry feds don’t play
60% owner comp and 40% non-payroll. If you have expenses car, gas, insurance that are amounting to 40% of your PPP, you should be fine as long as you have the receipts.
I would like to no what about the middle class people that got it what are going to happen to them.
PPP was for the middle class to! There was no personal wealth test to receive PPP. Many very legitimate PPP loans were distributed to the middle class.
He was consolidating
In one of your videos you said "if you claim 100% owners compensation, using 2.5 mth calculation, you can use the money for anything" buy groceries, pay a bill etc...
It's so confusing....
As an independent contractor, what the heck do we spend the money on?
I figured I'd spend it on maintenance on vehicle, gas and anything that I do as 1099 schedule c filer would spend money on...
But it's stressful thinking I need to show the money is gone within those 10/ 11 weeks of covered period etc....
I have a video on this, but once you PAY yourself as a sole proprietor, the money is yours, and you can use it for whatever you want/need. These people did NOT do that.
@@ClaraCFO thank you. I watched the video again.. I hope I'm not bothering you as there is alot of drivers who get over 10k and are now saying.... what can I do with it?etc.
Alot have racked up cc debt in 2020 with lost income just to keep the lights on. And now have 10k plus but are afraid to (after paying ourselves 1 lump sum) pay off that cc debt.
It's basically money londerin right? But not... it really is stressful thinking that if I paid myself, then paid off a debt, then I'm going to be in trouble.
I hope you understand our position
Listen to Hanna...owner's compensation means your salary. If your calculation is right, your owner's compensation goes to your pocket! If you feel guilty about it, use like a small percentage of your owner's compensation toward eligible expenses, like an oil change or something...that's it! For me, I used it to pay office rent on what should've been already a part of my owner's compensation...all just so I can feel i am way within my computed compensation...rest goes to my pocket!
@@jinnxit8781 I listened, I've listened alot.
I hear you.
I paid myself 1 lump sum, and will hold it till I get forgiveness.
I'll treat it as a loan till otherwise stated that it's forgiven.
It's very confusing and stressful thinking I used the $$ (after I paid myself) on paying down personal debt or groceries or anything, with this being frowned upon
If you have a legitimate business with Sch C income or actual payroll you should not be worried. If your PPP included Sch C owner income you are allowed to keep that portion calculated on the Sch C profits. There is a limit that is a reverse of the determination amount. If you receive funds on payroll YOU MUST spend at least 60% of the PPP on payroll (if you are an employee of your company you can also pay your ‘officer pay’ within the limits for owner pay). If you do not, you could lose a portion of forgiveness. If you keep the funds as owner pay (within the limits) it is considered the same as paying you payroll so you will meet the 60% requirement with owner pay only (no other employees). After you meet the 60% requirement for owner pay only or payroll, you can spend the remainder on overhead and current purchase expenses. We limited our clients to the 60% payroll amounts so that additional payroll amounts could be used to receive additional assistance. I am a bookkeeper and I helped many of my clients get these loans for owner pay only and hundreds of employees working for our clients. We are now processing ERTC for our clients. With millions acquired in EIDL, PPP, & ERTC for our clients, we are not worried, our clients are legitimate and have been assisted by us in properly accounting for approved expenses.
WWW.EZERTC.COM.
Give me five milllionn. Lolll none of these case are realistic to people who are just scared to apply for the ppp. I have to literally beg my family to apply for this FORGIVABLE LOAN. And they qualify nut they are afraid 😟
There’s websites where you can go look at who got it n if it gets flagged you getting looked at real hard .quite rightly so ,uk wrote 5 billon off .Wich I totally disagree with I know a couple off people who bhought houses up in the highlands ,
In your other vids you said that you can pay yourself because you don’t have employees, so you pay salary yourself which is in form of transferring money from business account to personal that what you said. So from your salary which is your salary are we allowed to buy food or other personal necessities?
How about using the money to pay IRS federal or state taxes?
Thanks in advance!
I could see doing it to save your house or pay for medical express for a sick love one or maybe opening up a real business they do fuck shit lol
Trips to Miami and Range Rovers😂😂😂
So far does any1 know of the smaller amount PPP loans ($20,833) fraud cases being caught/convicted Yet ❓❓
Someone sounds scared. It is the feds. Even if they give $1000. If its fraud. They are coming for that person
Any funds over ten bands are being investigated by the feds anything under ten is going to state because case loads are gone be overwhelming in feds court
@@AfricanWifeinPakistan 😂😂😂
Nope
Nope 🤣🤣🤣
People are so stupid!!!!
Hi Clara I got my ppp loan into my personal account does it matter if I withdraw it out for cash or should I keep it in my account ?
ua-cam.com/video/6Pu27LcvmgU/v-deo.html
You can use the money!
What will they do with the money they recover?
At this point - I believe they are spending more to try to recover than they will actually recover.
AND WHOS PAYING FOR IT NOW .US THE TAX PAYER .
yep
Please provide a refresher on documentation needed to support PPP Forgiveness. Payroll Journals, Payroll Processing (pay checks or proof of direct deposits), Bank Statements showing that payments had been processed. Utility bills and proof that they were paid. Rent - rental agreement, and proof that rent was paid. Etc. I want to have all my ducks in a row in case my PPP loans (1 & 2) are audited.
throw them all in jail.
Yes
👆🏿💯💯 it's sooooooooooo MANY people that did this I wonder if everyone eventually will face the music 🤔
@@mikimousechocolate7449 uncle sam gone get his every mf time, not a matter of if, but when...
I know this is a serious subject...but I got a chuckle out of your reaction to some of the fraud spending....lol!!
Same....really dudes!???
Talking about overreaction! If you have a real company then you don’t have anything to worry about. She’s dumb as a post
Now he got one case.
Question I’m a barber and I applied for the ppp loan my shop was shut down earlier this year due to not being able to pay rent and I was working out of my own house can I still use the funds for 100 percent owners compensation(also if I do use the money for owner compensation and pay myself one lump sum am I good to go after that) I’m a according to my lender a unregistered sole proprietor
As long as you’re keeping paperwork on what you’re buying for your business, it’s not fraud, the amount you get plays a big factor.
If you received over $50.000 and you only needed $25.000 call your lender.
If you lost your vehicle to breaking down or repo...contact your lender, and for crying out loud don’t buy a expensive car....only do that when you’re lender is almost paid off and your business is making good money.
This is what the program is made for....personally I think the ppp program should’ve been made for small p businesses only.
Make a separate program for bigger companies.
Here I am a real business owner that could use some of that ppp. Even if It would have been 20k
i know :( so sad.
Stupid is what stupid does.lol Thanks for sharing. Keep up the good work. Have a great day!
you too!
In the immortal words of comedian Ron White..."You can't fix stupid!".
The American way
This is what continues to confuse me...couldn't these ppl have "paid themselves" first then bought anything under the sun. Whether it was groceries or a lambo lol. I understand the people that don't have a business or falsify records to get it. But the rest is what scares me on spending ours for our trucking business. If we payroll it all out. Then that payroll money can or can't be used for personal expenses? i.e catch up on some old medical payments we fell behind on during pandemic 🤔
If we put aside the fact that these people got the money by committing fraud, the next "control" on crazy spending with PPP is that no owner can get more than $20,833 per PPP loan. Even if they pay themselves legally with it, that will just be a payment or two on a Lambo ;)
@@ClaraCFO Oh ok my husbands trucking company is just him and I so we definitely weren't in the Millions category LOL. So I didn't think of that, that makes sense. I've still been hesitant to make sure we use it right. Even after we pay ourselves and use it on truck repairs, gas etc im scared to use it on anything else.
Pay your mortgage or rent utilities look it up the lender will tell you how you can spend the money
Can I legally legitimately get a loan if I registered a fictitious business name for a recycling ♻️and organics in December 2019 its registered with the county the state and city now everything has been on hold since the pandemic if I start the process again pay for THE INSURANCE PAYROLL SICK LEAVE MEDIXAL IRS ETC ETC CAN I STILL GET THE LOAN I WILL UAE IT LEGITIMATELY CAN I GET IT STILL?
60% for payroll costs do not apply to sole proprietors.. You cannot pay yourself payroll as sole... Per tax law
With PPP it is allowed per the rules. ua-cam.com/video/CMdOmhM1tt8/v-deo.html
I apply with Womply and it’s on lender processing stage anyone know what that means? I going to receive the funds?
Womply sucks. They don't respond back
Hi Miss Clara
Thank you for taking the time to do these videos I really do appreciate you unfortunately for me I still don’t have the understanding to do a loan it scares me to think that I’m a steak that I may make could put me in jail
My story is that I was a independent contractor a gig driver but not just for Lyft I drove for two other companies called hop skip drive and ZUM these two companies were for taking kids to school home or other events that they may have paid better than Lyft but on March 13, 2020 Ally unified school District closed all their schools and I was out of work I did apply for unemployment and received it and I never drove again in September 2020 I had to sell my new car at a loss to pay it off because it sat and collected cobwebs instead of kids or adults doing Lyft I do feel that I deserved some sort of loan up until that time but I just don’t have the understanding as to how to go about it and to justify it what do you think I should do I pay taxes and have bank statements I’m just scared
Did you figure it out?
@@OPMack no I need need help with figuring it out
Pookie said don't worry and get yo money
Hi there, and great video but I want to ask you a question I was approved for 8540.00. I’m a free lance illustrator sole proprietor and deal with robotics, how should I spend the money?
U can give it to me :)
What should I do? I was trying to help my parents, but its a mess....information mixed up. Now i found ppp 2nd of 17,500, which we. Never recieved but it showed up on the RRF application
It might still be pending!?
Bih get to the point
Clara, does it matter if in the 1st draw app you didn't check the payroll cost box but checked 2 of the other boxes? It shldve said Owner Comp/Payroll Cost coz we're sole props and we don't use payroll.
My gosh I had to fast forward, way too much rambling. Video starts 5:25
What purpose is this channel? Education?
Lol Omgsh 😱
I have received the PPP loan and I'm unsure what I can use the money for. Can you do a video on it. I don't want to spend it wrong. Even though I'm legit I'm scared I might not spend it right. Thanks
Hi Melba - my whole channel is devoted to this! Take a look and let me know if you can't find what you are looking for. Remember that AT LEAST 60% needs to be used for payroll costs (if you are a sole proprietor you can pay yourself). The rest can be used for ELIGIBLE non-payroll costs (I have a video on that too).
@@ClaraCFO once you use “payroll cost” and pay yourself you can do whatever?
@@bryant4the328 it's frustrating right?
So you have now moved the money from one account to another.... now you have a huge lump sum sitting in account....
You have racked up huge cc debt over 2020, can you pay off the cc debt? Idk... I think so right? Idk.
You paid yourself 1 lump sum as owners compensation, so it's yours... right? But will the sba say, wait, this is money londering (paying off high interest cc debt)
But it's my money right?
Or is it?
No one knows man!
I'm holding it till it's 100% forgiven.
It's not worth the stress
So basically, it's in a savings account... which is most likely not a good thing either... but I paid myself 1 lump sum... so its sitting there...
Idk 😆
That’s what you’re supposed to do is pay yourself! That way you can keep your business open, nobody can stay open without some sort of income. Did you just watch her videos, she has changed her stance on this 12 different videos. It’s a bait and click to scare you
To much talking
*too*
🙅🏽♀️🙅🏽♂️Lock up
Really encouraging Ms. Hanna. Makes a person want to ck themselves. Thank you for this update.
Thank you! Thanks for watching!
This really does scare me. I got near 11k based off my doordash income from 2020. I had it deposited to my personal checking, which in your other video you stated that such a deposit would satisfy the owner compensation requirements. So then I just withdrew most of it as cash from atm, and spent the rest on stuff like money orders and the like for bills. I truly hope I wont get in trouble for that :[
You did it right! These people blatantly defrauded the program. You are using it how it was intended!
YOU ARE UNDER ARREST
On one your past videos, about if it was deposited into your personal checking then you basically paid yourself and funds are yours. How that work vs these cases lol
Because sole proprietors are allowed to pay themselves based on their schedule C income (per PPP guidance). These guys all falsely got funds AND spent it on ineligible expenses.
What can you use the funds on once you pay yourself. Is it basically anything like if i want to take a vacation
Yes. If you've legitimately gotten the money as a business and paid yourself with the correct amount of owner's pay, you can use the money once you pay yourself however you want! I think I need another video on this 😅 do I?
@@ClaraCFO YES
Can I put some of my EIDL Money into a Money market account until needed?
Maybe you can address 3/22/21 ppp updates regarding draws vs. 2/5/21 that you and jamie reference
😶😶😶😏✊🏽
Click bait!
nope!
@@ClaraCFO I thought it would actually show the ppl or a video! So the title should say some one talking about 5 ppl caught!
There's know telling where the money 💰 went 🎶 🎵 🪕 🎼