Webb notified the bank’s counsel and at Madden Mobile Coins, recognizing Spencer’s last name, called Ole Miss. The next day lawyers for First American and Ole Miss showed up, along with Webb. Sheridan was already on site. “He said, ‘Because even 20 guys a month isn’t enough.’ So I asked him if he had any black friends, and he got this look, like shocked. Because in the African American community, you get a haircut every week, not once a month.”
Spencer Moncrief“[Sheridan] was already at the Cheap Madden mobile 18 coins building when we arrived,” Webb said. “He had a lineup of pictures of it. Looked like he pulled off of Facebook, or something like that. It was a couple of African American males, then a couple of white males. And he was going up to each teller asking, ‘Do you recognize any of these guys?’“Then our lending assistants are starting to get uneasy,” Webb said. “We’re not even a full service bank at this particular branch.
They told him, ‘We’re loan office.’ So he asks again, ‘Have you ever seen any of these people make a payment?’ And of course the teller says, ‘We couldn’t tell you if we did.’ And he says, ‘Well do you recognize any of them?’ And the teller said, ‘Well if we did, we can’t tell you. Because if they bank here, we can’t do that.’“Then Sheridan changes it up: ‘Have you ever seen any of these guys come in here and make payments at the bank?’ Because he’s assuming someone walking up in cash,
” Webb said.According to maddenvip.com Webb, he, Sheridan, Ole Miss, and counsel for First American sat down in a meeting room, where Sheridan asked about how loan payments are processed. Through Spencer Moncrief’s bank statement, a processed payment to First American appeared as March 7, 2013.“And [Sheridan] says to us, ‘So how is it possible that this person Spencer Moncrief could make a payment here when I’ve got him on video footage of an ATM in Gulfport,
