The Perfect Scam

Employment scams are one of the fastest growing types of fraud. The recent surge can be traced to several post-pandemic factors that make these crimes even easier for criminals. In this episode, we will hear from a job seeker and an employer who've both been affected, as well as an expert who shares the red flags job seekers should be on the alert for.

In Part 2 of this 2021 episode, young ICU nurse Whitney Kirkpatrick's life is turned upside down when the police show up at her door looking for her boyfriend of nine months, Gregory Thomas. He is not the wealthy, successful oil executive he claims to be. Instead, Gregory has spun an elaborate web of lies — and he's been funding his extravagant lifestyle with Whitney's money. With the support of family and friends, Whitney finds the strength to move on and to educate others about identity theft and white-collar crime.

In this 2021 episode, recent graduate Whitney Kirkpatrick is starting her career as a nurse when she meets Gregory Thomas, young and driven, and already the CEO of an oil company. His Southern charm, ambition and lavish lifestyle win over Whitney, her friends and her family. Then strange things begin to happen: large withdrawals from her bank account, calls from creditors late at night and pieces of Gregory's story not adding up.

Linda Khandro is a busy college professor who spends her spare time playing her harp in hospitals and hospice facilities. One day her life is turned upside down when a virus alert on her computer leads to a threatening phone call and a four-and-a-half-months long nightmare. The ordeal has her doing things she couldn't have imagined: retiring early from the teaching career she loves and buying gold bars and putting them into a stranger's car.

In Part 2, Michael, an Iraq War veteran who has fallen on hard financial times, thinks he has found help from Voyager Financial Group, which pays him a lump sum in exchange for five years' worth of disability payments. But it has only made his money problems worse. He declares bankruptcy, and now Voyager is suing him. As he prepares to defend himself, Michael make a shocking discovery: The entire scheme is illegal and Candy Kern-Fuller and Andrew Gamber of Voyager have spent years getting rich brokering these deals, while veterans like Michael are left in financial ruin.

The men and women who bravely fight for our nation are too often the target of financial criminals. After serving four years clearing roadside bombs in Iraq, Michael returns home and is diagnosed with post-traumatic stress disorder. A divorce and a series of medical emergencies leave him struggling financially and searching for some relief. Michael finds the Voyager Financial Group, which offers lump sums for military disability benefits, but Michael soon finds out the scheme will leave him in even worse shape than before.

When a fire destroys his Wisconsin home, Royce Babcock and his family are forced to live out of their garage. Desperate to get his home rebuilt, Babcock hires Tyler Hansen, who has excellent reviews and reasonable rates. Delay after delay and myriad excuses leave Babcock with no choice but to take his complaints to law enforcement. This reveals a history of Hansen and his wife defrauding homeowners all over the state.

In Part 2, Homeland Security Agent Justin Deutsch and colleagues pursue Mary Marr, the leader of a fraud and money laundering ring that defrauded hundreds of victims who thought they were buying tech stocks. A member of an elusive organization called the Knights of Malta, Marr uses a diplomatic passport to evade capture across many countries before her arrest in a beauty salon in Serbia.

In 2014, Homeland Security Agent Justin Deutsch inherits a case concerning an international fraud and money laundering ring. Callers from "boiler rooms" pose as investment brokers and peddle stocks that don't exist. Working on tips about suspicious bank accounts in Florida, Deutsch and other agents follow the money – eventually leading to the ringleader, Mary Marr. The investigation unravels a scheme that defrauded hundreds of victims around the world out of millions of dollars.

Todd Alper is a recently retired lawyer and teacher in New York City. One day in 2020, he learns that there are many people trying to locate the lawyer Todd Alper, even though he hasn't actively practiced law in several years. To his astonishment, an online search reveals a website for a law office in his name. Criminals are impersonating him in an elaborate scheme targeting owners of timeshares. Todd is devastated that his name is being used to defraud innocent people, and he begins the long fight to regain his identity and his sense of control.

In Part 3 of this 2022 episode, when Therin Miller walks into the FBI office to throw himself on the mercy of the government, he's not sure if he will leave a free man. To clear his name, he becomes an FBI informant, recording conversations with his roommate and business partner, Brant Holloway, and his associate Lyle Livesay. Therin's work results in indictments on multiple counts of bank fraud related to the luxury car scheme, plus the arrest of a Russian mobster in Ukraine. But even with the criminals behind bars, will Therin's life ever go back to normal?

In part 2 of this 2022 episode, Therin Miller's exciting new business venture with his roommate, Brent Holloway, is quickly becoming a nightmare. Not only does the luxury-car dealership seem to be part of an elaborate scam, but his girlfriend, Kristin, uncovers a connection to some very dangerous people, including notorious Russian-born mobster Mani Chulpayev. Therin could be an accessory to some serious crimes. Terrified of going to prison, or worse, he and Kirsten come up with a plan.

In this 2022 episode, National Guardsman Therin Miller never imagined that placing an online ad for a roommate would result in something far scarier than anything he faced on two tours of combat zone duty. His new roommate, Brant Holloway, is a friendly, well-mannered local business owner. The two become fast friends, so when Brant suggests they go into business together, Therin is intrigued. Before he realizes it, Brant and his adviser, Lyle Livesay, have drawn him into a crime ring involving luxury cars and the Russian mob. His escape ― helped by his girlfriend, also a National Guard member ― is a tale of courage and honesty.

The heartwarming story of a homeless veteran, Johnny Bobbitt, who spends his last $20 to help a stranded woman captures national media attention when the woman and her boyfriend start a GoFundMe campaign to help him get on his feet. Kate McClure and Mark D'Amico raise more than $400,000 in just a few weeks. However, when things don't seem to add up, investigators quickly learn this story is all based on a lie.

In part 2, Kelly and her husband Ryan, who is retired from the Navy, are reeling from the theft of his Facebook account and fear it may be used for military-related scams. World-famous wildlife photographer Paul Nicklen is fighting his own battle against scammers impersonating him on social media. His impostors have stolen thousands of dollars from fans who think they are donating to his causes or carrying on a romantic relationship with him. To make matters worse, both Kelly and Paul have reported impostor accounts to Meta and have been told those fake accounts aren't violating the terms of service.

National Geographic photographer Paul Nicklen is renowned for incredible, one-of-a kind images of polar bears, leopard seals, narwhals and other unique species in some of the world's coldest, most menacing climates. Sharing these intimate portraits and his experiences in places few will ever visit has gained him a large, devoted following on social media. Unfortunately, scammers have also taken notice and are operating hundreds of impostor accounts targeting his followers. Meanwhile, a veteran and his wife fight to reclaim his highjacked Facebook account from scammers.

YouTube star Kitboga has turned scam baiting into performance art, delighting his 3.3 million followers with his many characters and laughs at the expense of online criminals. It started out as pure curiosity, and a way to avenge his grandparents who'd been victims of scams, but along the way, he's helped return money and hijacked accounts to victims, and he's taught a lot of viewers how online scams work. Bob sits down with Kitboga for a humorous and enlightening conversation.

Our smartphones contain access to just about everything that's important to us, so when criminals figure out how to exploit vulnerabilities in security on mobile devices, the results can be disastrous. In this episode, we'll hear about a group of young criminals who use the technique of SIM swapping to target the cellphones of high-earning crypto investors and steal millions of dollars. We'll also learn what steps you can take to safeguard your own accounts.

While we are busy planning holiday gatherings and travel and buying gifts, scammers are working overtime coming up with ways to target us. In this special bonus episode, Bob sits down with Amy Nofziger, from the AARP Fraud Watch Network Helpline, to talk about the ways criminals are following seasonal trends to exploit common scams. These include social media ads, shipping text messages, gift cards, charity giving, pet scams, seasonal work and holiday travel.

Have you ever thought about who might be on the other end of those scam calls and messages we all receive? The answer could be far more sinister than you might imagine. The "scammer" may also be a victim of human trafficking. These people are lured by the promise of well-paid jobs to travel to countries in Southeast Asia and are then forced to work in prison-like scam compounds. A BBC journalist and brave volunteers work to expose this brutal practice.

When David meets a woman, based in the Philippines, on a dating app he feels he's made a real connection. While not romantic, over the course of a year they develop a deep friendship. One day she comes to David with a problem: She needs some help dealing with a property owned by her ailing grandmother. It starts with a small loan, but as the issues pile up, David exhausts his personal resources and borrows money from family and friends. His life spirals out of control when he loses his home, and the discovery of the scam causes friends and family to turn their backs on him. With the help of a support group, David finds healing and begins to rebuild his life and help others facing the same challenges.

You've heard the advice: When you receive an unexpected phone call from a company, hang up and call its verified phone number. But can you trust an internet search to find a valid number? Criminals have figured out how to deceive search engines including Google and put fake phone numbers in search results that look like the real thing. This malvertising, or malicious advertising, can lead to disaster for consumers like Marcia whose search for Amazon's customer service number goes very wrong.

This week, we are bringing you a very special episode about a new development in the tech world that threatens to make things much easier for criminals – artificial intelligence. AI is already being used to supercharge the common grandparent and imposter scams because it's relatively cheap and easy to clone a person's voice and make it say whatever you want. We use examples with Bob's own voice to show you how it's being done and what to look out for.

In 2018, The Perfect Scam brought you the story of the French psychic Maria Duval mail fraud impostor scheme. For decades, criminals, led by a man named Patrice Runner, used Duval's name and image on letters sent all over the U.S. and the world, promising good fortune in exchange for regular payments, and threatening disaster for those who ignored the solicitations. Federal investigators estimate the scam impacted 1 in 300 Americans and raked in over $200 million. The U.S. Postal Inspection Service finally put a stop to the letters in 2014, but even when we covered the story in 2018 Runner was still on the run. In this episode, Bob checks in with USPIS Inspector Clayton Gerber to find out how the fight for justice is going, and learns how one of the world's largest marketing companies, Epsilon, played a major role in the scheme.

Caring for ailing senior dogs is a passion project for Helen and her husband, who run the nonprofit dog hospice Old Dogs Go to Helen. They rely on donations to pay for the dogs' medical and comfort care until they pass on. One day, they receive a text message appearing to be from the nonprofit's Bank of America account, which leads them through a familiar series of steps to secure their accounts from a possible fraud. While Helen thought she was averting a crisis, she was actually the victim of a sophisticated bank impersonation fraud.

In part 2, Gerard Puana stands accused of stealing the mailbox of his niece, the deputy city prosecutor, Katherine Kealoha. Surprisingly, this strange crime will lay bare that Katherine's luxurious lifestyle is fueled by a reverse mortgage on her grandmother's home, and that her husband, Louis, is using his power as police chief to cover up the crime.

In this 2021 episode, Katherine and Louis Kealoha report that their mailbox has been stolen, a strange occurrence in the upscale Honolulu neighborhood of Kahala. Even stranger is that Katherine claims that her uncle Gerard Puana is the mailbox thief, an accusation he vehemently denies. When the case goes to court, though, the Kealohas' secrets are exposed, revealing a terrible case of family financial fraud.

Thieves think that stolen cryptocurrency is the perfect crime — anonymous, secret and safe from seizure. But prosecutor Erin West and her team are proving them wrong, recovering millions of dollars in stolen cryptocurrency and returning it back to victims. West is a six-year veteran of REACT (Regional Enforcement Allied Computer Team), a cross-agency task force addressing the escalating problem of high technology crime. In this special episode, Bob talks with Erin about the top five things everyone should know about cryptocurrency scams, including whether money lost to scams is recoverable and if scams are traceable. Erin will discuss steps that can be taken if you've experienced a crypto scam, as well as the impact law enforcement can have when agencies have the right tools, knowledge and collaboration.

In part 2, after a scammer she meets playing Words With Friends steals most of her family's savings, Kathy is so distraught that she attempts to take her own life. She survives thanks to the quick actions of her husband and police, and with the support of her family and professional help, Kathy starts on the road to recovery. The emotional wounds of scams are deep, but Kathy is healing by sharing her story. She hopes that others who might be feeling the way that she did know that there is life and even joy after a scam — Kathy and her husband recently celebrated their 50th wedding anniversary.

Like many of us, Kathy struggles in the early days of the pandemic to adjust to isolation from family and friends. She enjoys the diversion of playing Words With Friends and soon strikes up a friendship with a fellow player. For months the friends continue playing online games and chatting on WhatsApp, until one day he asks Kathy for a loan. He says he is stuck in Mexico and having trouble accessing his accounts. Kathy sees no harm in helping out a friend, especially when he promises to quickly pay the money back. When the repayments never come, Kathy comes to the devasting realization that it was a scam and that most of her and her husband's retirement savings are gone. Distraught and ashamed, Kathy begins to have thoughts of suicide. This is the story of one woman's survival from the darkest of days. This episode contains discussion of suicide. If you or someone you know is in crisis, please call or text 988, a free nationwide service where professionals can listen and get you the help you need.

Jerry Hsu, a retired engineer living in Florida, receives a phone call from someone claiming to be his cellphone provider. They are threatening to cut off his service because the Shanghai Police Department says Jerry is speaking out against the Chinese government and engaging in money laundering. As a Taiwanese immigrant, Jerry is frightened; there must be a misunderstanding. The person on the other end of the line is very persistent and convinces Jerry to work as a secret agent for the police, and he eventually wires up to $1 million from his bank account in order to protect himself. After Jerry transfers the last of his life savings and realizes this was all a scam, he shares what's happened with his son, who is a filmmaker in New York City. The father-son duo then decide the best way to share Jerry's unfortunate experience and alert other families is to create a documentary film. And in this heartbreaking yet -warming film, Jerry plays himself.

Lisa is an avid concertgoer with extensive experience buying and selling tickets online. So when pop megastar Taylor Swift announces she's coming to town, Lisa is determined to find the highly sought-after tickets for her teenage daughter and her three friends. After messaging dozens of online ticket sellers and weeding out apparent scams, she finally finds a local man selling four tickets. She is reassured when he offers to transfer the tickets to her via Apple Wallet before receiving payment. The tickets look great, and the girls are overjoyed. When a friend raises suspicions, Lisa drives to the box office to verify the tickets only to discover that they are very convincing fakes.

Wayde McKelvy and Troy Wragg stir up enthusiasm for their company, Mantria, and a green energy revolution they promise in the form of a product called "biochar." Their "garbage to gold" scheme attracts scores of investors and even the attention of former President Bill Clinton. But soon the Securities and Exchange Commission discovers that Mantria is a Ponzi scheme, laced with bogus claims and false promises of enormous returns, ultimately defrauding investors out of millions of dollars.

In Part 2 of this 2019 episode, after losing her job and breaking up with her boyfriend in the same day, a distraught Debra pays a visit to a psychic. Little does Debra know that the shop is part of a larger criminal organization, and psychic Sylvia Mitchell is a scammer who has stolen hundreds of thousands of dollars from her clients. A series of readings leads to Sylvia stealing $28,000 of Debra's money and cutting off communication. Debra enlists the help of Bob Nygaard, a private investigator and retired police officer who specializes in psychic scams. Together, they bring Sylvia Mitchell to justice.

In this 2019 episode, Debra is a divorced mother and ballroom dancer who travels between her home in Florida and her boyfriend's home in New York City, where she trains with her dance partner. When Debra loses her part-time job in New York and breaks up with her boyfriend on the same day, she's distraught. Without the extra income from her job and a place to stay with her boyfriend, Debra knows she'll have to quit ballroom dancing — even though she and her partner have been climbing the ranks on the Pro-Am circuit. During a walk in Greenwich Village, Debra sees a psychic shop she's often passed by before and decides to stop in, hoping to find answers. Instead of finding answers, Debra finds herself in a five-year odyssey, desperately trying to find justice and trying to get back $28,000 that was stolen from her.

Hoping to build her hobby into a business, Penny takes an online training course in social media marketing. After this initial small investment, she is flooded with calls from companies selling different website services. They promise big returns, but her investment of more than $30,000 with multiple companies doesn't lead to a single sale. Penny reports the scam, but it's not until she gets a call from a news producer that she learns that the person behind the scheme is none other than The Real Housewives of Salt Lake City star Jen Shah.

Consumers write far fewer checks than they did in the past, so it may seem surprising that the once-common crime of check washing is making a dramatic comeback. Criminals steal a check out of the mail, wash off the payee's name and other information, and then cash the check and steal money from the owner's account. In this episode, we'll learn how the crime is evolving and becoming more violent, putting mail carriers in danger, as well as how you can safeguard your checks from falling into the hands of criminals.

Retiree Susan moves from California to a beautiful Victorian home in Montana to be closer to her son and his growing family. One day, Susan notices some unusual charges from her Amazon account. She takes all the necessary steps to dispute and resolve the charges, but a few weeks later, she receives a call from "Amazon" informing her of additional fraudulent activity on her account. This call and the subsequent investigation by a man posing as a DEA agent, will put everything that Susan has, including that Victorian home, in jeopardy.

Derek Alldred has spent decades using fake identities to date and steal money from hundreds of women around the country. He's been arrested numerous times on fraud charges, but Derek skips town as soon as he is released on bail, and resumes committing his crimes in a new location. This time is different: After Derek drains Linda's retirement account and leaves her in debt, she is determined to see him get his due. She bands together with other women also deceived by Derek, and they finally bring this serial romance scammer to justice.

After her divorce, Linda decides to take a chance on online dating. She's pleasantly surprised to make an instant connection with a man named Rich. He's handsome, charismatic and has an impressive résumé — a Navy reservist working on his PhD. The relationship progresses quickly, with Linda and her young son moving into Rich's new house. One day Linda receives a troubling message from a woman name Missi who claims to also be dating Rich. Linda discovers that he's been lying to them both. His real name is Derek Alldred and he has a criminal record a mile long, stealing hundreds of thousands of dollars from numerous women. Linda and Missi decide they have to do something to keep this serial romance scammer from finding his next target.

In this bonus episode, Bob sits down with David Etue, CEO of Nisos, The Managed Intelligence Company®, to discuss a fascinating study his team recently conducted to learn more about criminal online activity to better protect online users. For the study, "Catphishing the Catphisher," researchers set up fake social media profiles and waited for criminals to connect in hopes of engaging in conversation. Although they expected the study to take several months, maybe even a year, Etue and his team were quite surprised with such quick results. Wait until you hear what happens.

In part 2, a call from Reuters journalist Brian Grow confirms Diana's worst fears about what really happened to her stepfather's remains. As Brian digs deeper into the story, the truth he uncovers about Sunset Mesa Funeral Home and the body brokering scheme is worse than anyone could have imagined. The conviction of Megan Hess brings some needed closure to families devastated by her shocking betrayal of trust.

Planning a loved one's burial or cremation is a difficult experience under the best of circumstances. When Diana's stepfather, Cactus, gets sick during the early stages of Alzheimer's and sees a billboard advertising simple cremations for $695 at Sunset Mesa Funeral Home, he requests that his family cremate him and not spend a lot of money. But when Cactus dies and his cremains go missing under mysterious circumstances, it sets off a series of events that not only exacerbates the family's grief, but also tips off a lengthy investigation by Reuters journalists that rocks a small community in western Colorado and exposes the dark, unregulated side of the body trade industry.

In part 2, Philadelphia homeowners fight to be released from their 40-year contracts with MV Realty. Complaints from all over the city and the state reach the Pennsylvania attorney general, who files a lawsuit against the company for allegedly misleading consumers. Attorneys general in several other states follow suit, and state lawmakers race to take action against what they call unfair real estate agreements.

Homeowners all over Philadelphia are being inundated with ads for MV Realty's Homeowner Benefit Program on social media, through robocalls, and some people even receive a knock on their door. The pitch is simple: Get a quick cash payment in exchange for a promise to use MV Realty as their real estate agent if they decide to sell their home in the future. Many homeowners say they were never informed that the contract is for 40 years and MV Realty can take out a mortgage on their home.

After the loss of the family dog, Tana is determined to find a new canine companion for her husband who suffers from dementia. Hoping to surprise him for Christmas, Tana finds a breeder online and sends payment, but the puppy doesn't arrive, and the breeders keep asking for more money for expenses. Hear how investigators from Google's CyberCrime Investigation Group follow leads on these types of crimes every day, leading to international arrests and litigation.

Huntington, West Virginia, is an idyllic college town on the Ohio River, but it's also the epicenter of a massive international internet crime ring. Federal prosecutor Katie Robeson hasn't been on the job long when she learns that a woman in Huntington is acting as money mule, transferring millions of dollars overseas. Following the money, Katie and her team uncover an elaborate network of criminals, based in Huntington, targeting people all over the country.

In this special episode of The Perfect Scam, Bob hosts a roundtable discussion on changing the conversation around victim blaming. Far too often, the blame for financial fraud is directed at the victims rather than the criminals. This keeps victims from speaking up and enables the crimes to continue. Bob welcomes special guests: Kate Kleinert, a romance scam survivor-turned-advocate; Paul Greenwood, a former prosecutor and head of San Diego's Elder Abuse Prosecution Unit; and Mark Solomon, former police detective and president of the International Association of Financial Crimes Investigators.

This April marks five years of "The Perfect Scam" podcast! Since launching in 2018, we've brought you stories of fraud told by the people who lived them, stories of trauma but also of bravery and triumph. With the FTC reporting a staggering $8.8 billion in losses to scammers in 2022, we remain committed to continue bringing you the very latest information and resources to give you power over scams.

In Part 2, criminals are running the grandparent scam all over the San Diego area. Often crimes like this go unsolved, but FBI agent Brady Finta and his law enforcement partners believe this situation is unique. There is a video and an eyewitness. Arresting the messenger who took Susan's $9,000 might just bring down an entire criminal operation. But investigators must proceed carefully.