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The 22-year-old, formerly of Ballyblack Road East in Newtownards, Co Down, "spun a series of yarns" to get others to take out a series of mobile phone contracts, a judge was told.
Harvey, described as a compulsive gambler who was arrested as he got off a flight back from Cuba earlier this year, is said to have admitted his offences.
Granting bail, Mr Justice Colton described his actions as "abhorrent and disgusting".
The defendant faces multiple counts of fraud by false representation, along with acquiring and converting criminal property, allegedly committed between October 2016 and February this year.
Matthew Harvey also targeted a woman with learning difficulties as part of a wider campaign of forming sexual relationships and deceiving vulnerable victims, prosecutors said.
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