"This is Criminal Fraud" episode artwork

EPISODE · Nov 23, 2025 · 9 MIN

"This is Criminal Fraud"

from The Ramsey Show Highlights · host Ramsey Network

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"This is Criminal Fraud"

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Brought to you by the EveryDollar app. Start budgeting for free today. My husband and I are debt free and we were looking into investing and at the advice of a family member, our in laws, they suggested to use a site that they had been using. And when we tried to create an account, we found that my husband's Social Security number was already in use.

And we have been told not to look into that further. We can't create the account because his Social Security is in use. And we found out essentially that investments in things are being made in his name even though he's requested that they stop. They're sending us quote unquote refund checks for the taxes that we pay on these investments.

How, how can we get away from the situation, essentially be financially independent of our in laws. Wow. Yeah, it's fun. So your father in law is a con artist.

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That's JoinDeleteMe.com Ramsey code Ramsey at checkout. So your father in law is a con artist. I mean, yeah, he's a criminal. This is criminal freaking fraud.

Yeah, yeah. We need to own this emotionally. This guy's not only out of control, he's like go to jail. Out of control.

You're screwing around the securities Exchange Commission with fraudulent transactions. All y' all are messing up. You're messing up by allowing it to occur and he's go to jail time if they get. Good God people.

Yeah. Wow. See the difference in how I react and how y' all reacted? We can tell.

We can tell we're not to talk about this. Well, you by God better. You can talk about it from cell block C if you want. Yeah.

Have you mentioned your jumpsuits? Just to see how you look at them shorts. Yeah. I'm just saying I don't know how you look in orange, but you should probably look into that.

So this is what's known as a family. That puts the fun in dysfunctional. So when is your husband going to call his dad and mom and say, guys, you need to shut all of these accounts down? In the next 48 hours or I'm filing a police report.

So we've done that. We just haven't pilot for the police report. You told them that? Yes.

And they did not shut them down. We didn't tell them we were, but we've requested multiple times, very sternly, I'll say that in a flight way to take the name off. Get rid of it. Don't want anything to do with it.

Cease and desist. What was their reaction? Oh, we're doing this for your future. Kiss my butt.

You guys suck at poker as well. I'd love to play poker against you all. You fold on everything. Yeah, they just push you around.

This is nutto. Yeah. Hey, I got a plan for you. I don't want you in my future because my future looks like jail time right next to you.

And I don't need a future that involves you. I'm being really bold and we're crazy and over dramatic here, but my point is, is that you guys have not been strong enough on this. Okay, maybe not as crazy as I've been the last few minutes, but seriously, you guys got to get up on this and say, listen, we've talked to attorney. What you're doing is illegal.

You're harming us. I know you think you're doing something good, but you're not. And you have 48 hours to send us proof that you've shut down all these accounts or mom, I'm filing a police report on you and dad. Do you understand here?

And this is your husband doing it, not you. Because it's his freaking parents. Good. Why are you on the phone with us and not him?

Well, he wasn't exactly a fan of this. And when I. Our last conversation that we all had around this and after that ended, I said, I'm gonna call the Rain show, and he just kind of laughed because he didn't think I was really gonna do it. Well, you can play this back for the whole family if you want.

You know, I think you can send it to mom and dad. Yeah. And I think you need to make sure you mom and dad, if you happen to hear this, you suck. This is horrible what you're doing to your children.

I know you think you're being smart, but you are way out of control. You've never met the word called boundaries. And we want to introduce it to you. Yeah.

Here's the thing. You're complicit in this now. Yeah. And it's kind of scary that you called the show and you've said that you're complicit in it?

Because I think you've laughed. And I'm not trying to be a downer. She was nervous. Well, but it's not funny.

There's actually nothing funny about this. I hope you hear the urgency. I don't think Dave was too extreme. I actually think that's what you should do, because I don't even know.

I'm no legal expert and I haven't played labeled on tv, but I do think this thing is far more serious as to what you all know than you actually realize. Yeah, there's probably other stuff going on. I'd be terrified. Usually when you tip something like this over, a raccoon runs out with the trash.

Yeah. And honestly, you kind of suspected that recently, just with how adamant they were, because since this account in my husband's social, he could easily call the company and, you know, get detailed information. And it was like, don't you dare. Like, you don't need to be looking in there.

He still hasn't. We need to run your husband down to Walmart, have him pick up a backbone on all three. He's gonna. Y' all gotta deal with this, honey.

It's a mess. Y'. All. Y' all are mess.

Y' all are a hot mess. Oh, my gosh. So, you know, the first time I ran into this was a long, long time ago when I, I. It was like decades ago.

We started hearing the word identity theft. I never heard the word before it started coming up. You know, the Internet started having more prolification and. No, I started the show.

There was no Internet. That's all the show. So I started hearing that. And then I got just.

I just got hillbilly mad because some guy calls in and goes, I'm 24, and my mom has seven credit cards that she opened in my name when I was 12 and 14 years old. And I'm like, your mother is a freaking criminal. She stole your identity. And.

And. And. And the problem is the victim is just like her husband. They're like, well, that's just kind of how our family does things.

Your family's full of criminals. That's how your family does things. Your family has no idea how the galleys, how legal system works America today. And when you're doing investments, you're now involving the securities Exchange Commission.

It's not simply banking laws. I mean, banking laws are credit card theft. Right? Theft.

Open a credit card, you start. Open a DAG mutual fund with a licensed broker. Oh, my God. You don't understand.

They love to make examples of people like especially stupid. They really do. The people that investigate this kind of stuff are the most uptight investigators. They this is scary stuff.

And I just wonder what else is going on when the dad says, don't look into this. Don't look. Don't look under the covers. Dave, I'm serious here when I ask you this.

I'm trying to put myself in position. This was me. I would call the company and prove to the company that I'm the actual person with a security. There's only one company that you found so far.

I wouldn't threaten the parents. I just go ahead, do it by nightfall. I mean, before the sun sets on the. Just putting things off.

Because the problem is there's a family script here that says don't look, which makes me worried about it. I'm here to say the emperor has no clothes. Okay. Your family script is create your free every dollar budget today.

The simplest way to budget for your life.

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