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You're watching CNBC On Demand.
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In this episode of American Greed, in a
town that makes its money off make
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-believe, Tracy Hudsona blends in well,
dangerously well.
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Tracy comes across as a former model,
actress, up -and -coming entrepreneur.
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She's married to an ex -football player.
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She was fun, very sexy.
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We learn all about her from her YouTube
show.
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It's called Homeless Millionaire. As the
owner of a concierge company, she
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promises clients the good life that only
she can access.
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They would film in big houses, in fancy
cars, on vacations.
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She has the best gig in the world.
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So it's a little strange when she wants
a job being an assistant.
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Wow, like I've got this great person
that's so overqualified.
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But it's not the assistant role that
Tracy wants.
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Not when she can make so much more being
a stunt double.
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It was very important for her to think
that we were very alike.
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And you won't believe the stunt she
pulls off.
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She was very good at trying to mimic a
lot of Jumana's life.
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She was me.
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It's not the first time she's been
charged with identity theft.
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Tracy had a very long criminal history.
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The more we investigated, the more we
learned about other victims.
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Not the first time she's fooled people's
hearts.
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I found out that Tracy was leading a
double life.
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So many things that never took place.
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All made up.
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But when she zeroes in on a millionaire
single mom... I found out she'd been
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funneling all that money from the
college fund. She hits the jackpot of
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life, worth millions.
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She warms your way into your life, and
then she steals everything that you
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On Rodeo Drive in Beverly Hills, a
business owner and aspiring YouTube star
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named Tracy Hutzona is off to a photo
shoot for a glossy magazine spread on
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women entrepreneurs.
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We're seeing Tracy at the top of her
game.
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And the game she's playing is criminal.
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Much of what we know about Tracy comes
from her self -produced YouTube show
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called Homeless Millionaires.
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It's the kind of reality TV she's always
been glued to, namely her own sense
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of reality.
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It follows Tracy and her husband, ex
-football pro named Daryl Hutzona.
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Living their extravagant lifestyle for
all to see and admire.
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We're living like millionaires. Right.
We're living like our billionaire
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clients. But you're working.
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But we're working. But you're always
working. Always.
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And you're living your work. We're
living.
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The show is based on her day -to -day
work in running a concierge company with
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her husband called Elite Lux Life.
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She says her connections give clients
access to a world of luxury and
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exclusivity.
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From beachfront rentals to exotic cars,
from private jets to sold
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-out concert suites, as this episode of
Homeless Millionaires reveals.
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But Tracy's Reality TV is just another
true crime show.
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In New York City, two financial
investigators are scouring every frame
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homeless millionaires.
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And they're not the least bit impressed
with Tracy's swaggy life.
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Quite the opposite. They believe it's
proof of massive bank fraud and identity
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theft.
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They've been hired by an accountant who
says Tracy has scammed millions from his
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high -profile client.
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And homeless millionaires might provide
evidence of where the money went.
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He called us and said, I think that
there's a large -scale internal theft
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on. Can you guys look at it?
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Julie Schwartz, a former assistant
district attorney, is one of the
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investigators.
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Her partner, Sarah Nasir, is a forensic
accountant.
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You're not just looking at numbers.
You're trying to get into the mind of
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embeddler. They dive deeper into Tracy's
life, listening to every word in
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Homeless Millionaires, tracking where
Tracy was, what she enjoyed,
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and who she involved.
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She has a Facebook account. She has an
Instagram account.
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She's pretty active on both. That's
useful information in connecting the
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financial transactions to her lifestyle.
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We ran her criminal background, and we
knew right away that we had a convicted
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felon. I mean, it wasn't just one
arrest. She's been doing this for years.
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In fact, Tracy was released from prison
just five years earlier, convicted for
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identity theft, tax evasion.
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Tracy comes across as a professional,
former model, actress,
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social media brander. She's really just
a thief.
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Using the victim's credit card bills and
financial statements as roadmaps, the
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investigators have her dead to rights.
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She said she was in New York and
Chicago.
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And then we would see charges for a
restaurant in New York or plane travel
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something. So then we could connect that
to Tracy.
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She was in Miami before she went on a
cruise.
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I was able to see credit card charges in
Miami at the same time.
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We're going to eat at Prime 112.
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Our favorite spot in Miami. Favorite
spot in Miami.
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She spent money on everything from
Amazon Prime Video to shoes, jewelry,
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vacations for her, her family.
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All paid for, according to these
investigators, by the credit cards and
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accounts of the victim who trusted
Tracy, brought her into her home,
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like family.
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She warms her way into your life, and
then she steals everything that you
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I have come across other serial con
artists, and it's a high. Once you do it
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once, and you get away with it, and you
continue doing it over and over again
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because you can, and it's worse because
she does it to people that she allegedly
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cares about.
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In 2015, actress and TV personality
Jumanah Kidd moves her
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family from the East Coast to Calabasas,
a wealthy suburb of Los Angeles.
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When my ex -husband moved out of the
area, we decided that it was time to
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I asked the kids. Everybody was on
board.
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Her ex -husband is NBA star Jason Kidd,
who was playing for the New Jersey Nets
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during their marriage.
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Their messy divorce would finalize in
2007.
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And then, seven years later, Another
challenge for Jumana. She was diagnosed
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with breast cancer.
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We made the move out here, but I did
have to do radiation and some other
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treatments, and they were extremely
exhausting.
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So being that my kids didn't have
driver's licenses, you know, they were
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a brand -new place, I thought, okay, I
need an assistant. It was almost like a
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glorified nanny.
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That's when a friend recommends someone
she's worked with before.
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a businesswoman who knows her way around
celebrity clients,
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Tracy Hutzona.
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Business -minded, accomplished woman,
spoke two languages.
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But I was like, you're way too qualified
for what I need.
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Germana has no reason to question
Tracy's eye -catching resume, and it
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a few more years until one reporter
does.
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The product that you present to the
world, there's no requirement that it
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any basis in reality. I think a story
like Tracy's is really emblematic of
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She did claim that
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she... Graduated from the University of
Tokyo. There are no records to show
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that. Privacy laws in Japan are pretty
tight, but she did tell the judge under
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oath that she had only completed some
college, so it appears that her claims
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a degree are false.
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And then there's her acting credits.
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If you look at her IMDb page, she
claimed that she had a recurring role on
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show Weeds, as well as a few other
productions. How much of that is true is
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really unclear.
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What is clear from Bluestone's reporting
is how dangerous Tracy is.
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Tracy Hasona is a very glamorous,
personable, serial con artist. She
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had such a long criminal history that
Jumana knew nothing about.
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But Jumana doesn't background check
Tracy.
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That's because Tracy is one step ahead
of her in what will become the first
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misstep from Jumana.
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Before we even got to the hiring
process, she brought it up as if it was
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and a win.
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This could be so easy. Being that I have
a concierge service, you could just
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hire my company.
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For Germano, the setup seems ideal.
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Paying a simple fee to Tracy's company
rather than hiring her as an employee.
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She didn't have to give her social
security number or any of her personal
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information. I did run it by my
financial team.
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And no one saw a problem with it.
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Tracy is very good at gaining people's
trust, blending in, and then taking all
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the money.
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Next on American Greed, Tracy finds a
way into Jumana's heart.
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She was like the other person who cared
a lot about my kids. That's where she
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really started to play a role in my
life.
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Jumana is the perfect target for Tracy
to strike.
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For the price of just a couple thousand
dollars a month, Jumana Kidd hires Tracy
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Hutzona to be her assistant in October
2015.
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But Jumana doesn't know about Tracy's
criminal past.
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I honestly thought I was winning. I was
like, wow, like I've got this great
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person that's just so worldly and so,
you know, who's overqualified.
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At her new job, Tracy shines from the
beginning.
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And another good sign,
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Jumana's children start to like Tracy.
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In fact, in one episode of Tracy's
YouTube show, Homeless Millionaires, one
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Jumana's twin daughters says Tracy is
family.
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My second mom.
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She became like my husband. She was like
the other person who cared a lot about
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my kids. That's where she really started
to play a role in my life.
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Tracy lands the role of second parent,
but not quite as Jumana's new friend.
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She was 100 % trying to be friends. I
never felt like she was someone that I
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wanted to call on if I had a problem or
wanted to hang out with or be around.
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The boundaries of their relationship are
put to the test when Tracy invites
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Jumana to Las Vegas for her bachelorette
weekend.
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She invited me, and I kind of felt like,
you know what, I'm going to go out for
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a day.
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Be nice.
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She had this, like, gorgeous, sweet,
like a Caesar's Palace five -bedroom. I,
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like, tried to stay out of the way. And
I remember, like, I was like, I'll sleep
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on the couch. I'm just here for a night.
Don't worry about me, you know.
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That's Tracy wearing white, of course,
and Jumana trying gamely to smile with
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the squad.
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At night, Tracy and her friends light up
the town.
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Cocktails flow in every color of the
rainbow.
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Jumana starts to feel a little bad that
Tracy is paying for it all.
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I remember the next morning I was like
feeling a little guilty. I'm like, I
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kind of came and then I'm going to
leave. I'm like, let me just take you
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all out to breakfast. The least I can
do, you know, whatever.
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And she's like, oh, you're so sweet.
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Tracy showers Jumana with flattering.
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Like in this episode of Homeless
Millionaires.
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She's actually stopped being the best
person that anyone's ever met in their
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life. Tracy seems to really love her
job.
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It will take Jumana nearly three years
to understand why.
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My financial advisor and I, we're close.
I mean, he's like family. So he would
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call and be like, you're spending so
much money. Like you need to chill out.
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I kind of thought, okay, I'm living in
LA. Like the quality of life, like when
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you get up to take the kids to school,
you stop at Starbucks. We have dogs now.
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They're expensive.
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I couldn't seem to shave it off. And
then like a couple months would pass and
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he's like, dude, like what are you
doing? And I'm like, nothing.
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Her financial advisor, Ron, mentions a
credit card from Chase.
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I don't have a Chase card. That's so
weird. And I was talking to Tracy about
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something else that day and said to her,
like, Ron, it's still on me, you know,
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about overspending. I got to really
figure this out.
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Tracy leaves, supposedly going home for
the day.
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I want to say, like, 30 minutes later,
she was at my door. She just is bawling,
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crying, like...
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falls to her knees, apologizing. And I'm
like, whoa, whoa, whoa, what's going on
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with you?
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Next on American Greed, a dramatic
confession from Tracy and surprising
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forgiveness from Jumana.
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Tracy's plan seems to be working.
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When she started working for me, she was
trying to figure out my weaknesses and,
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of course, kind of pushed all the
correct buttons.
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Tracy Hutzona is on her knees, giving a
tear -soaked confession to her boss,
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Jumana Kidd.
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She admits she took out a credit card in
Jumana's name and racked up more than
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$300 ,000.
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Like, I'm so shocked right now. I don't
remember being emotional if my kids were
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gone, too.
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And it was like a lie.
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Tracy tells Jumana.
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It's all from the pressure to make more
money for her struggling company.
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She didn't show any traits of a
criminal. She really showed traits of
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00:16:27,640 --> 00:16:31,240
who was very apologetic and, you know,
hard on themselves.
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So I said, just listen. You made a
mistake, but you're not a bad person.
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And I also knew that any time this kind
of thing happens, you don't get your
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00:16:40,520 --> 00:16:44,659
money back. The person gets in trouble,
and then now you're out the money. So in
224
00:16:44,660 --> 00:16:48,330
my mind, I was kind of thinking like,
And technically, you could pay this
225
00:16:49,380 --> 00:16:54,500
Jumana says she won't tell the police
and gives Tracy a second chance.
226
00:16:55,560 --> 00:17:00,660
In retrospect, Jumana sees how Tracy
expected to be forgiven.
227
00:17:01,160 --> 00:17:05,960
When I look back, she felt me out. You
know what I mean? She knows my
228
00:17:06,140 --> 00:17:08,520
I'm definitely, like, empathetic to a
fault.
229
00:17:08,740 --> 00:17:10,540
It's interesting because it worked.
230
00:17:11,369 --> 00:17:17,529
The next day, Tracy drafts a contract to
show how committed she is to paying
231
00:17:17,530 --> 00:17:18,568
Jumana back.
232
00:17:18,569 --> 00:17:23,588
The contract basically said, Tracy has
stolen from me through a credit card,
233
00:17:23,589 --> 00:17:25,509
I'm giving her the opportunity to pay it
back.
234
00:17:25,510 --> 00:17:27,190
She signed it. I signed it.
235
00:17:27,490 --> 00:17:28,540
Filed it.
236
00:17:28,730 --> 00:17:31,090
Tracy stays employed with Jumana.
237
00:17:31,610 --> 00:17:35,630
And as the months go by, she is making
good on her promise.
238
00:17:35,631 --> 00:17:39,069
Started a tally sheet, and when I tell
you she was coming with like 5 ,000
239
00:17:39,070 --> 00:17:44,929
today, 3 ,000, I remember making a
mental note like, wow, I did not
240
00:17:44,930 --> 00:17:46,790
character. She actually does feel bad.
241
00:17:47,110 --> 00:17:51,530
At this point, Jumana still hasn't done
a background check on Tracy.
242
00:17:52,390 --> 00:17:57,390
If she had, she would have discovered
Tracy's long, deep history with the law.
243
00:17:59,500 --> 00:18:06,139
arrested for using a bad check to buy a
car in 1994, arrested for
244
00:18:06,140 --> 00:18:12,939
forgery while trying to cash stolen
checks in 1995, and then arrested
245
00:18:12,940 --> 00:18:19,359
for trying to obtain a credit card
fraudulently in 1996 while she's waiting
246
00:18:19,360 --> 00:18:21,680
be sentenced for those earlier crimes.
247
00:18:23,470 --> 00:18:28,109
Tracy had a very long criminal history,
and some of it was tough to find because
248
00:18:28,110 --> 00:18:30,280
she's used a number of names over the
years.
249
00:18:31,770 --> 00:18:36,870
Tracy gets 40 months for all three
convictions and is paroled in 1999.
250
00:18:38,390 --> 00:18:43,429
She could have walked away from the
crimes of her youth, but Tracy decides
251
00:18:43,430 --> 00:18:45,070
live forever young.
252
00:18:51,310 --> 00:18:57,549
By the mid -2000s, it doesn't seem Tracy
has a criminal past at all. She looks
253
00:18:57,550 --> 00:19:02,790
the part of any affluent suburban mom,
juggling two kids and a high -paying
254
00:19:03,010 --> 00:19:06,490
At least, that's what Lorianne Hart
remembers.
255
00:19:06,970 --> 00:19:11,530
We were incredibly close. We were best
friends. We were sisters, in a way.
256
00:19:12,490 --> 00:19:17,269
At that time, Lorianne is living up the
street from Tracy and Tracy's first
257
00:19:17,270 --> 00:19:21,620
husband. in the ritzy Pacific Palisades
area of Los Angeles.
258
00:19:23,620 --> 00:19:26,600
Their sons are playground friends.
259
00:19:27,500 --> 00:19:34,280
She was really cool, fun, very sexy,
which didn't really get me going,
260
00:19:34,320 --> 00:19:39,100
but nevertheless, she just was like your
best friend.
261
00:19:39,600 --> 00:19:44,480
Their relationship grows, even though
they're not neighbors for very long.
262
00:19:44,920 --> 00:19:50,919
I started noticing that they were moving
like every three months from one place
263
00:19:50,920 --> 00:19:55,419
to the next, and the next was always
better than the one before. I started to
264
00:19:55,420 --> 00:19:56,470
wonder about that.
265
00:19:58,440 --> 00:20:04,359
Lurianne assumes Tracy is just moving up
in her career as the VP of a staffing
266
00:20:04,360 --> 00:20:09,040
agency until a series of search warrants
are executed.
267
00:20:10,880 --> 00:20:13,880
Tracy gave me a call one late afternoon.
268
00:20:14,620 --> 00:20:19,639
She said, they are accusing me of white
-collar crime and confiscated our
269
00:20:19,640 --> 00:20:21,220
computers, and it's wrong.
270
00:20:21,480 --> 00:20:25,800
I thought, this has to be a mistake.
This isn't the Tracy I know.
271
00:20:26,020 --> 00:20:29,800
We learn of the fraud schemes slowly
over time.
272
00:20:30,280 --> 00:20:36,480
In 2007, federal prosecutor Jeff
Mitchell uncovers Tracy's lucrative
273
00:20:38,040 --> 00:20:44,119
Despite her nearly six -figure salary,
Tracy hires and onboards two employees
274
00:20:44,120 --> 00:20:45,700
who don't even exist.
275
00:20:46,400 --> 00:20:51,460
They're paid as real employees, but
Tracy takes their checks.
276
00:20:52,140 --> 00:20:57,760
She steals about $168 ,000 until she's
caught.
277
00:20:58,060 --> 00:21:02,779
The more we investigated, the more we
learned about other victims, including
278
00:21:02,780 --> 00:21:04,040
other staffing agencies.
279
00:21:04,640 --> 00:21:08,580
Fake staffing, Tracy's first scamming
windfall.
280
00:21:08,581 --> 00:21:12,629
Over an 18 -month period, she stole a
little bit over half a million dollars
281
00:21:12,630 --> 00:21:14,370
from the three staffing companies.
282
00:21:14,630 --> 00:21:19,030
A lot of the money was used on vacation,
high -end furniture, electronics,
283
00:21:19,350 --> 00:21:20,400
complex surgery.
284
00:21:20,810 --> 00:21:25,570
She pleads guilty and is out on bond,
awaiting sentencing.
285
00:21:25,810 --> 00:21:30,210
And during that time, we eventually
learned that she committed new crimes.
286
00:21:30,810 --> 00:21:34,470
She is accused of credit card fraud and
ID theft.
287
00:21:35,560 --> 00:21:39,959
The victim is a divorced woman whom
Tracy befriends, according to court
288
00:21:39,960 --> 00:21:41,010
documents.
289
00:21:42,360 --> 00:21:47,160
If this playbook sounds familiar, it
most certainly is.
290
00:21:47,780 --> 00:21:51,040
And Mitchell wants Tracy's judge to know
that.
291
00:21:51,500 --> 00:21:56,679
What I tried to show at sentencing was
that there was a pattern. In 1995 and
292
00:21:56,680 --> 00:22:00,940
1994, she was awaiting sentencing on two
different cases.
293
00:22:01,580 --> 00:22:06,020
And while she was out on bond, she
committed a new crime in early 1996.
294
00:22:06,620 --> 00:22:11,359
In our case, in 2008, she was on bond
and she was out there committing new
295
00:22:11,360 --> 00:22:12,410
offenses.
296
00:22:13,080 --> 00:22:17,639
Showing Tracy's pattern of compulsive
predation helps Mitchell get what he
297
00:22:17,640 --> 00:22:21,960
wants. More than six years behind bars
for Tracy.
298
00:22:23,400 --> 00:22:28,460
By early 2014, she's released for good
behavior.
299
00:22:28,760 --> 00:22:30,680
I didn't speak with her for seven years.
300
00:22:31,400 --> 00:22:33,940
And all of a sudden, she calls me.
301
00:22:36,880 --> 00:22:38,540
Next on American Greed.
302
00:22:39,440 --> 00:22:43,400
It doesn't take long for Tracy to find
her old spirit again.
303
00:22:43,780 --> 00:22:46,600
Even her friends have to stay alert.
304
00:22:47,360 --> 00:22:52,599
This woman lived in my home for nine
months, totally betrayed me, nearly
305
00:22:52,600 --> 00:22:53,650
apart my family.
306
00:23:12,720 --> 00:23:19,260
Tracy Hudsona is released from prison in
2014 after serving time for wire fraud,
307
00:23:19,640 --> 00:23:22,060
tax evasion, and identity theft.
308
00:23:22,440 --> 00:23:27,600
Soon after, she calls her old friend,
Lorianne Hart, out of the blue.
309
00:23:27,960 --> 00:23:33,160
The whole time she was in prison, I had
no communication with her whatsoever.
310
00:23:34,860 --> 00:23:39,960
Lorianne had ended their friendship
after learning about Tracy's crimes in
311
00:23:41,680 --> 00:23:47,999
But now Tracy needs a place to stay,
telling Lorianne that the halfway house
312
00:23:48,000 --> 00:23:50,900
she's living in might be too dangerous.
313
00:23:51,540 --> 00:23:58,159
But a real danger, Lorianne says, has
always been Tracy's persuasiveness and
314
00:23:58,160 --> 00:24:04,199
charm. She just enveloped me, made me
feel like I was the greatest person in
315
00:24:04,200 --> 00:24:06,250
world and that she was so lucky to have
me.
316
00:24:08,330 --> 00:24:14,389
So Lurianne sweeps away the past and
gives Tracy a second chance, letting her
317
00:24:14,390 --> 00:24:18,850
stay temporarily in a beautiful villa
she owned with her then -husband, Vince.
318
00:24:20,850 --> 00:24:27,529
During this time, Tracy meets her future
husband, who's all over social media as
319
00:24:27,530 --> 00:24:28,580
much as her.
320
00:24:28,710 --> 00:24:35,070
Tracy met Daryl on June 1, 2014, and I
know that because it was his birthday.
321
00:24:35,660 --> 00:24:37,940
Daryl was gaga over her.
322
00:24:38,380 --> 00:24:44,779
What's not on Daryl's Facebook is his
own criminal record, caught stealing
323
00:24:44,780 --> 00:24:50,240
football star and sports commentator
Reggie Bush, for which he pled guilty.
324
00:24:50,560 --> 00:24:54,879
He had played high school football with
Reggie Bush, which was a relationship
325
00:24:54,880 --> 00:25:01,099
that he maintained until 2010 when he
was busted for stealing at least nine
326
00:25:01,100 --> 00:25:04,100
checks from Reggie Bush and cashing
them.
327
00:25:05,169 --> 00:25:11,329
Meanwhile, Tracy seems to be back to her
old tricks, trying to con a woman who
328
00:25:11,330 --> 00:25:12,329
trusted her.
329
00:25:12,330 --> 00:25:16,750
I found out that Tracy was leading a
double life here.
330
00:25:17,950 --> 00:25:23,589
Lurianne alleges Tracy attempted to
break up her marriage in a scheme to
331
00:25:23,590 --> 00:25:24,790
the villa permanently.
332
00:25:25,370 --> 00:25:30,609
She was trying to get me to leave Vince,
telling me what a terrible person he
333
00:25:30,610 --> 00:25:31,549
was.
334
00:25:31,550 --> 00:25:36,349
I do think that she was really eyeing
the villa and trying to figure out a way
335
00:25:36,350 --> 00:25:42,709
to get it, either through me or him. I
felt totally betrayed and humiliated,
336
00:25:42,710 --> 00:25:45,950
I finally asked her to leave.
337
00:25:46,630 --> 00:25:48,870
But Tracy doesn't make it easy.
338
00:25:49,430 --> 00:25:55,449
Instead of being grateful for living in
this gorgeous mansion for free, she
339
00:25:55,450 --> 00:25:57,690
would get mad back and be rebellious.
340
00:25:58,140 --> 00:26:04,000
She came in to be a squatter in her way,
and that's what she always did.
341
00:26:05,340 --> 00:26:11,259
Lorianne says they were once like
sisters, but she never sees Tracy again
342
00:26:11,260 --> 00:26:12,310
Tracy leaves.
343
00:26:14,480 --> 00:26:20,299
Tracy's real sister, Debbie Lindstrom,
says she still hasn't spoken to her
344
00:26:20,300 --> 00:26:22,720
helping prosecutors in 2008.
345
00:26:25,440 --> 00:26:27,020
Our family does not agree.
346
00:26:27,550 --> 00:26:28,630
with what she's doing.
347
00:26:29,330 --> 00:26:35,449
Lindstrom says her very first memories
of her baby sister would portend Tracy's
348
00:26:35,450 --> 00:26:37,770
brazen disregard for the law.
349
00:26:38,090 --> 00:26:40,410
She had absolutely no fear of anything.
350
00:26:40,670 --> 00:26:47,329
Like two years old, three years old,
stealing a bike from neighbor two doors
351
00:26:47,330 --> 00:26:48,510
down or a tricycle.
352
00:26:48,830 --> 00:26:50,590
My mom would run after her.
353
00:26:50,810 --> 00:26:52,510
She was a little Houdini.
354
00:26:53,040 --> 00:26:56,879
She took somebody's parent's car and
went joyriding with it. You know, she
355
00:26:56,880 --> 00:27:00,120
underage. And she would shoplift her
things that she wanted.
356
00:27:00,840 --> 00:27:06,719
She also alleges that Tracy has been
using credit cards fraudulently since
357
00:27:06,720 --> 00:27:09,440
teens, duping even her grandmother.
358
00:27:10,040 --> 00:27:14,360
Though Tracy has denied all of her
sister's allegations in the media.
359
00:27:14,720 --> 00:27:17,010
My grandmother, she was just beside
herself.
360
00:27:17,011 --> 00:27:20,339
You know, these people were calling her,
creditors were calling her night and
361
00:27:20,340 --> 00:27:24,529
day. That's one of the first things that
she does is steal other people's
362
00:27:24,530 --> 00:27:25,580
identities.
363
00:27:26,150 --> 00:27:30,449
Lindstrom says it's not just Tracy's
fearlessness that steers her into
364
00:27:30,450 --> 00:27:34,490
criminality. It's also her diabolical
charisma.
365
00:27:35,190 --> 00:27:39,389
She has that gift. She's got this
personality where you just want to
366
00:27:39,390 --> 00:27:40,440
her.
367
00:27:42,290 --> 00:27:43,930
Jumana certainly did.
368
00:27:44,730 --> 00:27:49,719
After forgiving Tracy for her credit
card theft a year earlier, She mentions
369
00:27:49,720 --> 00:27:54,980
incident to her therapist one day,
describing it as no big deal.
370
00:27:54,981 --> 00:27:57,539
And she was like, no, it's actually a
really big deal.
371
00:27:57,540 --> 00:28:00,819
And you need to call your financial guy
tomorrow morning. And I was like, no,
372
00:28:00,820 --> 00:28:02,979
you don't understand. Like, I actually
really made a deal with this person. I
373
00:28:02,980 --> 00:28:05,459
gave her my word, and that's big with
me. She was like, I don't care about
374
00:28:05,460 --> 00:28:06,510
word right now.
375
00:28:06,840 --> 00:28:12,120
Jumana finally agrees and tells her
financial advisor, Ron, the whole story.
376
00:28:13,060 --> 00:28:14,110
Ron is furious.
377
00:28:15,060 --> 00:28:17,620
He scolds Jumana for not telling him
sooner.
378
00:28:19,240 --> 00:28:23,959
Once he and I calmed down, he dove in
and I dove in. He told me what to do to
379
00:28:23,960 --> 00:28:24,739
dive in.
380
00:28:24,740 --> 00:28:26,220
But it's too late.
381
00:28:26,880 --> 00:28:31,160
It just unraveled. It just unraveled
like one after the other.
382
00:28:32,280 --> 00:28:38,119
Next on American Greed, Tracy steals
again from Jumana with a stunning role
383
00:28:38,120 --> 00:28:44,819
reversal. She became the main holder of
the accounts and moved me to the
384
00:28:44,820 --> 00:28:45,870
assistant position.
385
00:28:46,060 --> 00:28:49,700
No longer the understudy, Tracy takes
the stage.
386
00:28:50,040 --> 00:28:51,090
Choose me.
387
00:28:51,740 --> 00:28:57,479
Want more greed? Follow us on Instagram,
connect on Facebook, and listen to the
388
00:28:57,480 --> 00:29:00,720
American Greed Podcast wherever you get
your podcasts.
389
00:29:01,300 --> 00:29:02,350
We'll be right back.
390
00:29:15,760 --> 00:29:20,659
Jumana pours over her financial records
after learning Tracy has conned her a
391
00:29:20,660 --> 00:29:21,710
second time.
392
00:29:21,900 --> 00:29:26,300
She's overwhelmed by the sheer scale of
Tracy's infiltration.
393
00:29:26,680 --> 00:29:31,459
It was a full -time gig. It wasn't like
something she did and then didn't do. It
394
00:29:31,460 --> 00:29:34,230
was definitely like a morning -to -night
thing for her.
395
00:29:34,820 --> 00:29:39,340
Tracy opened several accounts, all under
Jumana's name.
396
00:29:40,270 --> 00:29:45,370
But Jumana couldn't see any of that
thanks to Tracy's most startling power
397
00:29:46,630 --> 00:29:51,369
What she had done is that she signed a
power of attorney. She forged it and
398
00:29:51,370 --> 00:29:57,130
became the main holder of the account
and moved me to the assistant position.
399
00:29:58,270 --> 00:29:59,490
Tracy's now the boss.
400
00:30:00,570 --> 00:30:02,930
At least, that's what the banks think.
401
00:30:02,931 --> 00:30:07,209
So I'm online with Bank of America and
I'm telling them I want to close this.
402
00:30:07,210 --> 00:30:09,129
And they said, well, what about the
other stuff?
403
00:30:09,130 --> 00:30:12,609
I'm like, nope, that's it. That's all I
have. And they're like, no, that you
404
00:30:12,610 --> 00:30:16,569
actually have another credit card,
another checking, another savings. And
405
00:30:16,570 --> 00:30:19,829
like, what are you talking about? I'm
online. They're like, you're online, but
406
00:30:19,830 --> 00:30:20,949
you have limited access.
407
00:30:20,950 --> 00:30:22,000
I'm like, what?
408
00:30:22,250 --> 00:30:26,749
Jumana then remembers when her rental
application for her daughter's college
409
00:30:26,750 --> 00:30:28,430
apartment was denied.
410
00:30:29,530 --> 00:30:33,730
So I'm like, how do you even check this
credit score thing? I go on, I check,
411
00:30:33,830 --> 00:30:34,880
it's 400.
412
00:30:35,020 --> 00:30:38,720
400? A score no landlord would go near.
413
00:30:39,980 --> 00:30:43,880
Usually, credit cards send fraud alerts
to their customers.
414
00:30:44,320 --> 00:30:46,580
But Jumana never receives any.
415
00:30:47,000 --> 00:30:51,180
She alleges it's another masterstroke of
Tracy's.
416
00:30:51,500 --> 00:30:58,339
She got into my laptop and my email and
put alerts on keyword to go to
417
00:30:58,340 --> 00:31:02,979
trash. And I'm like, guys, this is like
an episode of American Greed. This is
418
00:31:02,980 --> 00:31:04,030
big.
419
00:31:05,200 --> 00:31:10,559
But the wind is truly knocked out of her
when she calls an account rep to check
420
00:31:10,560 --> 00:31:15,620
in on her kids' college savings,
something she hasn't touched in years.
421
00:31:16,520 --> 00:31:19,710
She's like, these accounts have been
active for a couple years.
422
00:31:19,711 --> 00:31:22,919
I think that was like the sickest I ever
felt in my life. You know what I mean?
423
00:31:22,920 --> 00:31:23,970
I was like, what?
424
00:31:24,560 --> 00:31:29,179
I think the hardest part for me in all
of this was I'd lost my kids' college
425
00:31:29,180 --> 00:31:33,160
funds, can't get my girls a college
apartment.
426
00:31:34,090 --> 00:31:36,690
Jumana doesn't speak to Tracy this time.
427
00:31:37,010 --> 00:31:39,690
Instead, she springs into action.
428
00:31:40,050 --> 00:31:44,950
I'm a visual person, so print out every
text I've ever had from her.
429
00:31:46,410 --> 00:31:49,350
Jumana takes a video of her
investigation.
430
00:31:49,351 --> 00:31:53,529
It looked like a war room. Like, it
definitely, you would have thought you
431
00:31:53,530 --> 00:31:54,149
at Quantico.
432
00:31:54,150 --> 00:31:58,209
I just kind of just pasted a timeline
from the day I first texted her and met
433
00:31:58,210 --> 00:32:02,530
her, every charge that was ever made,
every post on her social media.
434
00:32:03,610 --> 00:32:08,130
Surprisingly, her financial advisor
tells her not to go to the police.
435
00:32:08,730 --> 00:32:13,369
What we're going to do is we're going to
hire these fixers, and they're going to
436
00:32:13,370 --> 00:32:16,369
make this airtight, and we're going to
get it to the DA's desk.
437
00:32:16,370 --> 00:32:17,930
He was like, she's going down.
438
00:32:22,930 --> 00:32:27,270
That's when Jumana's financial
investigators take over the case.
439
00:32:28,730 --> 00:32:32,410
We started to piece together what
actually happened.
440
00:32:33,000 --> 00:32:36,610
I was told that she did a little bit of
work on her own case, which is great.
441
00:32:36,780 --> 00:32:42,879
Their first difficult task is to
separate Jumana's charges from Tracy's.
442
00:32:42,880 --> 00:32:47,879
they're legitimate or fraudulent, can
Tracy down the road claim that, you
443
00:32:47,880 --> 00:32:49,700
this was for the benefit of Jumana?
444
00:32:50,020 --> 00:32:53,220
Because she is her assistant, so she can
use that excuse.
445
00:32:54,620 --> 00:32:56,960
But Tracy won't need that excuse.
446
00:32:58,120 --> 00:33:00,710
That's because, according to the
investigators,
447
00:33:01,310 --> 00:33:04,010
Tracy tries to become Jumana herself.
448
00:33:05,130 --> 00:33:10,909
She was very good at trying to mimic a
lot of Jumana's purchases so they
449
00:33:10,910 --> 00:33:11,990
wouldn't be red flags.
450
00:33:12,110 --> 00:33:16,450
For example, Jumana has a specific
health insurance that she uses.
451
00:33:16,790 --> 00:33:20,570
Guess who else uses that? Tracy uses
that as well. She also...
452
00:33:21,150 --> 00:33:23,710
was using the same utility companies as
Germana.
453
00:33:23,910 --> 00:33:25,570
Tracy uses the same supermarket.
454
00:33:25,950 --> 00:33:30,169
Now, Germana couldn't really go back
like four years and remember, did I go
455
00:33:30,170 --> 00:33:33,360
the supermarket or did Tracy go for me
or did Tracy go on her own?
456
00:33:33,690 --> 00:33:36,130
And Tracy has other tricks.
457
00:33:37,210 --> 00:33:42,229
She kept these credit cards going so
that she could use them by making the
458
00:33:42,230 --> 00:33:44,350
minimum payments from Germana's account.
459
00:33:44,790 --> 00:33:49,689
Bank of America was saying, well, come
on, you paid these bills on a regular
460
00:33:49,690 --> 00:33:51,940
basis. And they came from your account.
461
00:33:52,220 --> 00:33:54,560
We have no reason to believe that it's
fraud.
462
00:33:55,020 --> 00:34:00,959
They keep combing through Tracy's social
media and homeless millionaires, trying
463
00:34:00,960 --> 00:34:06,460
to match the charges on Germana's
personal card to Tracy's public exploit.
464
00:34:07,120 --> 00:34:11,459
After three months of work, they come up
with their estimate of what Tracy
465
00:34:11,460 --> 00:34:12,510
stole.
466
00:34:13,710 --> 00:34:18,349
The credit card fraud is about a million
and a half, and the money just taken
467
00:34:18,350 --> 00:34:21,670
from the various accounts is also about
a million and a half.
468
00:34:22,030 --> 00:34:24,570
The fraud was about $3 million.
469
00:34:25,429 --> 00:34:30,928
But the charges Schultz still can't get
out of her head are the ones she can
470
00:34:30,929 --> 00:34:32,210
taste with a straw.
471
00:34:32,909 --> 00:34:35,030
All those pretty cocktails.
472
00:34:35,850 --> 00:34:39,010
Tracy was having a bachelor party in Las
Vegas.
473
00:34:39,550 --> 00:34:41,590
And she asked Jumana to come.
474
00:34:41,850 --> 00:34:44,449
Jumana didn't really want to go, but she
goes.
475
00:34:44,450 --> 00:34:48,129
Lo and behold, we find out that Jumana
paid for the whole thing.
476
00:34:48,130 --> 00:34:52,709
Like the room was charged to her.
Everything was charged to her. And here
477
00:34:52,710 --> 00:34:56,888
saying, I'll sleep on the couch. And
Tracy's using her money to pay to
478
00:34:56,889 --> 00:34:57,909
the whole event.
479
00:34:57,910 --> 00:34:59,990
That's like the irony and the sadness.
480
00:35:01,020 --> 00:35:07,880
Then they continued on to San Diego, and
I rented a boat.
481
00:35:07,881 --> 00:35:11,339
Not only was Jemima paying for her
lifestyle, but she was also paying for
482
00:35:11,340 --> 00:35:17,480
business. She opened a restaurant in San
Diego called Breakfast Bitch.
483
00:35:17,720 --> 00:35:21,780
Breakfast Bitch, serving up brunch with
a side of swear words and sass.
484
00:35:22,060 --> 00:35:23,110
Looking good, bitch.
485
00:35:23,111 --> 00:35:26,499
We had no idea it was going to be this
crazy. She was telling me, like, you
486
00:35:26,500 --> 00:35:29,779
know, we've got this project coming.
This guy approached us and wants to be
487
00:35:29,780 --> 00:35:31,620
investor for a restaurant.
488
00:35:31,900 --> 00:35:36,200
And Jumana, like, subsidized that. The
money for it came from Jumana's account.
489
00:35:36,880 --> 00:35:39,120
I was probably the guy. It was my money.
490
00:35:39,540 --> 00:35:40,590
She's such a fraud.
491
00:35:40,840 --> 00:35:43,490
It's like, it's actually comical she's
such a fraud.
492
00:35:45,600 --> 00:35:47,060
Next on American Greed.
493
00:35:47,960 --> 00:35:51,700
Jumana just can't shake this feeling in
her bones.
494
00:35:51,701 --> 00:35:55,919
You know, feeling like she's untouchable
and feeling like she can get away with
495
00:35:55,920 --> 00:35:57,540
anything because she really has.
496
00:36:11,120 --> 00:36:14,380
With the help of two financial
investigators,
497
00:36:15,270 --> 00:36:20,229
Jumana Kidd works her way through the
chilling labyrinth of Tracy Hotsona's
498
00:36:20,230 --> 00:36:21,530
-faced embezzlement.
499
00:36:21,890 --> 00:36:23,670
There's just so many tentacles.
500
00:36:23,910 --> 00:36:28,229
The access she had and the way she set
things up was just a little too, you
501
00:36:28,230 --> 00:36:31,369
know, it was more than just knowing the
last four digits of my social.
502
00:36:31,370 --> 00:36:33,930
Jumana still remembers the college fund.
503
00:36:34,390 --> 00:36:38,789
When you try so hard to be a responsible
adult, you know, and then to be in that
504
00:36:38,790 --> 00:36:41,550
situation, it was really hard.
505
00:36:42,320 --> 00:36:46,820
But that punch to the gut teaches Jumana
to swing back harder.
506
00:36:47,540 --> 00:36:51,659
This isn't something that she's ever
going to stop doing. We knew this needed
507
00:36:51,660 --> 00:36:53,560
get to the DA's desk.
508
00:36:55,500 --> 00:36:59,200
Jumana flies to New York to join the
investigators.
509
00:36:59,700 --> 00:37:03,140
We presented this case in October of
2019 to the prosecutor.
510
00:37:03,520 --> 00:37:07,899
They picked the Southern District of New
York because Jumana's financial
511
00:37:07,900 --> 00:37:09,880
accounts are centered there.
512
00:37:11,120 --> 00:37:13,960
They keep the facts simple with a
slideshow.
513
00:37:14,200 --> 00:37:16,520
Here's your case. It's done. It's
serious.
514
00:37:16,880 --> 00:37:18,840
Here's Jumana. She's a lovely person.
515
00:37:19,080 --> 00:37:24,580
And then here's Tracy, and that's got a
little bit of, you know, oomph to it.
516
00:37:24,620 --> 00:37:26,610
You may get a little notoriety out of
it.
517
00:37:27,820 --> 00:37:29,220
Prosecutors take the case.
518
00:37:29,580 --> 00:37:32,780
But there's a setback no one could have
predicted.
519
00:37:33,060 --> 00:37:36,840
And it makes Jumana worry if she'll ever
see justice.
520
00:37:37,400 --> 00:37:39,200
We had to wait because COVID hit.
521
00:37:39,530 --> 00:37:44,289
Which, you know, also put Jumana on edge
because she's seeing Tracy living this
522
00:37:44,290 --> 00:37:45,340
lifestyle.
523
00:37:46,170 --> 00:37:48,970
I'm like, you stole millions from me.
524
00:37:49,810 --> 00:37:51,370
No one's paid me back.
525
00:37:51,590 --> 00:37:55,349
I don't know if it's from Libra or
whatever, but, like, injustice is so
526
00:37:55,350 --> 00:38:01,789
me. Not only that, Tracy is also cashing
in on late -night TV when her
527
00:38:01,790 --> 00:38:04,270
restaurant breakfast bitch...
528
00:38:04,271 --> 00:38:08,549
Gets a bite from Jimmy Fallon. Anyways,
the owners of the restaurant Bacon Bitch
529
00:38:08,550 --> 00:38:12,100
are suing the owners of a San Diego
restaurant called Breakfast Bitch.
530
00:38:12,101 --> 00:38:18,329
Experts say it could be the first case
where a judge asks, how do you bitches
531
00:38:18,330 --> 00:38:19,380
plead?
532
00:38:21,230 --> 00:38:26,949
Yes. A Miami restaurant called Bacon
Bitch opened three years before Tracy's
533
00:38:26,950 --> 00:38:28,000
did.
534
00:38:28,001 --> 00:38:31,489
I'm Chris Vizzo, the founder and CEO of
Bacon Bitch. It looks like we're here to
535
00:38:31,490 --> 00:38:33,599
stay because Miami loves the bacon and
the bitches.
536
00:38:33,600 --> 00:38:36,899
Right around that second year, I knew we
had something. Getting a lot of people
537
00:38:36,900 --> 00:38:41,459
coming in asking, can we bring this to
Atlanta? Can we bring this to L .A.? Can
538
00:38:41,460 --> 00:38:42,720
we bring this to New York?
539
00:38:42,760 --> 00:38:48,939
One day, Vizzo gets a call from a Yelp
employee asking if he's open to
540
00:38:48,940 --> 00:38:50,200
in San Diego.
541
00:38:50,201 --> 00:38:53,759
And she's like, no, no, wait a second,
it's breakfast, bitch.
542
00:38:53,760 --> 00:38:58,020
And I was like, all right, well, we know
that happens a lot. And she's like, no,
543
00:38:58,040 --> 00:39:02,560
no, no, no, it's your exact menu. Like
the exact word for word, it's the menu.
544
00:39:03,120 --> 00:39:08,459
Vizzo's company sues Tracy for trademark
infringement. But a Florida judge
545
00:39:08,460 --> 00:39:13,900
dismisses the suit on the technicality.
And Tracy keeps on winning.
546
00:39:14,680 --> 00:39:19,899
When she and Daryl even open a second
location in Phoenix, Arizona, where they
547
00:39:19,900 --> 00:39:20,950
now live.
548
00:39:21,740 --> 00:39:25,020
Yeah. No, it's definitely my restaurant
over there.
549
00:39:25,400 --> 00:39:28,140
But one day in early 2021.
550
00:39:29,290 --> 00:39:34,229
More than a year after handing off her
case to the Southern District, Jumana
551
00:39:34,230 --> 00:39:36,210
finally gets some good news.
552
00:39:37,030 --> 00:39:38,770
I was at that point where I was like,
553
00:39:38,771 --> 00:39:41,129
well, we have to wait another month.
554
00:39:41,130 --> 00:39:43,750
So I was like, you know, guarded but
excited.
555
00:39:44,390 --> 00:39:48,690
I got a call. They said that it was
crazy. You know, they knew she was
556
00:39:53,030 --> 00:39:58,730
Federal agents are in Phoenix to arrest
her, even though they've been told.
557
00:39:59,070 --> 00:40:00,120
She's not in town.
558
00:40:00,121 --> 00:40:03,989
And then they were like, let's just
drive by the restaurant one more time,
559
00:40:03,990 --> 00:40:06,449
then that's when they saw her in the
alley, and then that's when she saw
560
00:40:06,450 --> 00:40:07,590
and that's when she ran.
561
00:40:12,110 --> 00:40:14,690
Accused of bringing home another
person's bacon.
562
00:40:16,550 --> 00:40:19,810
The charges, wire fraud and aggravated
identity theft.
563
00:40:20,690 --> 00:40:25,050
Two counts that could put Tracy behind
bars for 20 years.
564
00:40:26,830 --> 00:40:31,109
The complaint from the Southern District
puts Tracy's fraud at more than $1 .5
565
00:40:31,110 --> 00:40:36,949
million, the amount the investigators
say was stolen from Jumana's bank
566
00:40:36,950 --> 00:40:38,000
accounts.
567
00:40:39,090 --> 00:40:44,069
Daryl Hutzona was not included in the
indictment and did not respond to our
568
00:40:44,070 --> 00:40:45,450
request for comment.
569
00:40:47,170 --> 00:40:52,650
Tracy posts a $50 ,000 bond and is
released from jail.
570
00:40:53,190 --> 00:40:56,710
A familiar scenario that should alarm
anyone by now.
571
00:40:57,770 --> 00:41:03,609
If history is any indication, I expect
we will see her come out with a new
572
00:41:03,610 --> 00:41:04,660
scheme.
573
00:41:05,070 --> 00:41:12,009
If you were to watch her
574
00:41:12,010 --> 00:41:14,960
Instagram, you would think absolutely
nothing was wrong.
575
00:41:17,020 --> 00:41:23,059
What she says in one particular post is
just plain jaw -dropping. Hard work pays
576
00:41:23,060 --> 00:41:25,100
off, guys. Hard work pays off.
577
00:41:26,420 --> 00:41:27,500
Don't call on anybody.
578
00:41:28,680 --> 00:41:35,599
But more than a year later, in July of
2022, Tracy unexpectedly reverses
579
00:41:35,600 --> 00:41:39,619
course. That was somewhat of a surprise
because up until that point, we heard
580
00:41:39,620 --> 00:41:45,299
from sources that she was going to beat
it, going to go to trial, and then out
581
00:41:45,300 --> 00:41:46,740
of the blue, she took the plea.
582
00:41:46,990 --> 00:41:52,370
The terms of her plea agreement and why
she agreed to them are not yet known.
583
00:41:52,870 --> 00:41:55,730
Tracy declined our request for an
interview.
584
00:41:56,230 --> 00:42:01,290
When she leaves court after pleading
guilty, you see, like, that evil person.
585
00:42:01,550 --> 00:42:05,990
I do hope that she has a very lengthy
sentence simply to protect people.
586
00:42:06,870 --> 00:42:11,729
Jamana will see Tracy again when she
delivers an impact statement at her
587
00:42:11,730 --> 00:42:16,470
sentencing. Though Jumana's words may
help prosecutors get what they want,
588
00:42:16,650 --> 00:42:23,249
Jumana says they won't help Tracy get
what she needs, which is a real
589
00:42:23,250 --> 00:42:30,090
heart. I just don't know how relevant it
is to speak to her about a conscience.
590
00:42:30,510 --> 00:42:35,669
It's more than just being a narcissist.
It's like your conscience either accuses
591
00:42:35,670 --> 00:42:39,469
you or excuses you. And if you're the
kind of person that your conscience
592
00:42:39,470 --> 00:42:41,650
excuses you, you'll always...
593
00:42:42,110 --> 00:42:47,689
Find a way to not feel bad. That's a
serious level of person to be that way,
594
00:42:47,690 --> 00:42:48,879
she's definitely in that category.
595
00:42:48,880 --> 00:42:53,430
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