The Bank Scam
The Bank Scam is one of the darkest and most complicated chapters of my story. It began during my years in Auckland, New Zealand, when my life had become increasingly unstable and I was living without a valid visa.
What started with selling things and looking for ways to make money gradually turned into increasingly serious criminal behaviour. I began using information from bank cards I encountered and became focused on finding ways to generate money online.
In 2020, during the COVID-19 lockdown, my situation became more intense. I was struggling with money, work had changed, and I was already involved in theft and online deception. Eventually, while talking with Mathew, I came up with the idea for a much larger banking scam.
How It Grew
At first, I was making money by posting items on Facebook that I didn’t actually have. I would sell them for around $80–$100, and because I didn’t have a bank account, the payments went into Stacey’s ANZ account. She would transfer the money to my PayPal, and I would give her a small amount for helping me.
Since the amounts were relatively small, buyers rarely took the matter to their banks. I would blame NZ Post for the missing delivery and tell them they should have chosen tracked shipping. If someone pushed the issue, I would sometimes refund part of the payment, usually around half. After doing this a few times, I had made about $1,000 through Stacey’s account.
I told Mathew downstairs about what I was doing and asked whether he knew anyone who could provide bank accounts. I offered to split the money with him and his mate while keeping the remaining share. He said he would ask around. I figured that if we had 20 accounts a week, we could make around $800 and divide the earnings between us.
A couple of days later, with Mathew sitting in my room, I started thinking about how the idea could be taken much further. I wondered what would happen if my buyer sent money to a genuine seller offering an item for exactly the same price. The seller would see the payment as legitimate and hand the item over, while I would end up with the goods.
I began browsing eBay, saving pictures of items and using separate fake Facebook accounts to advertise them as though they were mine. I would set the pickup location far away so buyers would choose shipping. When someone was ready to pay, I would find a genuine seller offering a similar item for the same amount and use that seller’s bank details for the transaction. I would then collect the item and resell it for less through my “Meco Nace” page. This became my new way of making money.
The Consequences
My other criminal activity eventually caught up with me. On October 27, 2020, New Zealand police came to my home and arrested me. I was questioned about the thefts and my immigration status and was charged with multiple offences.
I went through the court process, received legal representation, and began dealing with the consequences of what I had done. The banking scam became one of the most important parts of the story I eventually wanted to tell.
I wanted the story to be more than a confession. I wanted to document the chapter honestly and turn the experience into music.
Turning the Story Into Music
Years later, I decided to reveal the banking scam through a song. I built the beat from a sample I had created in Auckland, adding parts in Paonta Sahib and Zirakpur. I wrote the lyrics in March 2026 and recorded throughout April, eventually completing the final take on April 30.
From May through mid-June, I worked on the mix and master. I finished the master on June 19 at around 6:30 p.m. During the last week of June, I filmed the music video with Mom's help and began editing on June 29. Three weeks later, the video was ready.
I wanted to reveal the story from abroad, so Dubai became the setting for the release. I received my UAE travel visa in July and arrived in Dubai on July 28, 2026.
I titled the song Password. The song represents me flowing like a river through the jungle and into the Amazon rainforest, while the money from the banking trick is represented by endless leaves growing on its trees. The Amazon represents the world itself — vast, alive, and constantly moving.
After “New Heat,” where I stepped in to save the industry, and “Root,” where I mastered beat-making by spreading out sheets and stems to create distinct sounds, “Password” is where I found my word — my voice, my style, and where my track finally formed.
Now I'm passing that word out.
The password is revealed.
Read the complete story in My Story →