Kim Zolciak was accused by her father of 'professional fraud' when she secretly borrowed $100,000 in retirement money from her parents and then disappeared for 2 years without paying it back.

Kim Zolciak is facing one of the most personal and damning scandals of her career as her estranged father, Joseph Zolciak, has come forward with explosive claims accusing the reality star of what he calls "professional fraud." According to exclusive sources close to the family, Joseph alleges that Kim secretly borrowed $100,000 of her parents’ hard-earned retirement savings in early 2022 under the pretense of urgent financial need—only to vanish completely and cut off all contact without repaying a single cent.

The former Real Housewives of Atlanta star, known for her lavish lifestyle and designer tastes, reportedly made an emotional plea to her parents two years ago claiming she was facing a financial crisis that could lead to her home being foreclosed. Moved by her distress and believing they were helping their daughter through a temporary hardship, Joseph and his wife allegedly transferred the full sum—funds they had saved over decades for their twilight years. But after wiring the money, Joseph says communication from Kim stopped abruptly. Texts went unanswered. Calls were ignored. And the promised repayment plan never arrived.

In an emotional private statement shared with DailyMail.com, Joseph Zolciak did not hold back. “She cried. She begged. She said, ‘Dad, if I lose this house, I lose everything,’” he recalled. “We gave her everything we had left because she’s our daughter. And she disappeared like a con artist.” He added, “This isn’t just about the money. This is about betrayal. It’s about family. I never thought I’d be defrauded by my own child.”

Family insiders reveal that Joseph and his wife have been quietly struggling financially since the incident, forced to postpone medical treatments and borrow from friends while their daughter continues to showcase her opulent lifestyle online—complete with luxury vacations, high-end fashion, and cosmetic procedures. “They watch her flaunt thousands of dollars’ worth of bags and wigs on Instagram while they ration groceries,” said a source close to the family. “It’s heartbreaking.”

To make matters worse, Joseph claims he has made multiple attempts to contact Kim, pleading for closure or even acknowledgment—none of which have been returned. “It’s not even that she didn’t pay it back,” he said. “It’s that she ghosted us like we never existed. That’s what broke me.” While the Zolciak family has had a notoriously strained relationship for years—Kim previously took legal action to prevent her mother from contacting her children—this latest accusation marks a dramatic collapse of what little remained of their connection.

Neither Kim Zolciak nor her representatives have responded to requests for comment at the time of publication. However, legal experts say that if Joseph and his wife can prove the transaction was a loan with an expectation of repayment, they may have grounds for a civil lawsuit—even if it involves their own daughter. “A family tie does not eliminate the possibility of legal recourse,” said one attorney. “If she knowingly took the money under false pretenses and made no effort to repay it, that’s a serious issue.”

With Kim already embroiled in a high-profile divorce from Kroy Biermann and facing mounting financial issues of her own, this fresh accusation from within her own family threatens to unravel the carefully curated image she has spent years projecting. As public sympathy continues to erode and more details surface, one thing is clear—the facade of glamor and glitter is cracking, and at the center of it all lies a father’s pain and a daughter’s silence.