I Confronted The Scammer Who Stole My Money (Finale) #Best Education Page #Online Earning

(air whooshes) - Hey!

What is going on, you guys?

Welcome back to the video.

So, if you missed the last episode, just to recap here,

we continued our conversations with hacker Olivia and Kevin,

and then I actually called Kevin on the phone,

and we were talking back and forth,

and then we suddenly got disconnected out of nowhere.

Then, hacker Olivia agreed to send my bitcoin for $74 U.S.,

so I went to CVS and I purchased

a $75 Vanilla Visa Gift Card,

and I sent her a photo

of the front and back of the gift card.

Here's how all of this ended.

(mysterious piano music)

All right, guys, so as promised here,

I've got my friend Vitale.

He's a practicing attorney,

and I kinda wanna have a conversation

here about these scams.

I think you guys know what it is that I'm doing,

but I'll just catch you up a little bit here,

but basically what I'm gonna try to do

is actually reach out

to some of these people online that are,

it looks like they're scamming people.

I'll give them the benefit of the doubt,

but they'll leave comments

and they'll say that so and so

helped them invest in bitcoin or cryptocurrency,

and they got them this great return,

or you'll see a lot of them relating to Forex,

binary options, things like that.

It seems like a lot of people claiming

to invest money on your behalf,

or there's a lot around credit score too,

we can help you eliminate credit card debt,

this hacker can hack your credit score.

What are your thoughts about that

as far as these online scams go?

- Just generally, I think you have to be very careful

with what you're doing out there.

A lot of people, especially older people

who are not tech savvy

are falling prey to these types of scams.

I'm sure some products and companies could be legitimate,

and they're actually offering you real service,

but you really have to be careful.

Before you send any money to anybody,

I think you really need to know who you're dealing with.

And a lot of times,

these will be people from foreign countries,

my home country of Russia.

You got a lot of guys out there in their basements

looking for ways to scam people out of money.

So I definitely think that before you do anything with that,

you should really research who you're dealing with.

- Yeah, and I think too,

there are legitimate things like this out there,

legitimate Forex brokers and things like that,

but I would also think about too,

if you're finding out about it

through the comments section of a YouTube video

or through some random Facebook group,

that's already kinda-- - Sketchy.

- Sketchy, yeah.

So, I know we were talking earlier before,

you were tellin' me about how one of your tenants

was involved in a scam,

so I actually shared earlier in this video here

about a time I got scammed with a domain appraisal.

So it was somebody who was claiming

they were gonna buy a domain from me,

and they said, oh, we just need

to get it appraised for a certain value

so I sent them 150 bucks for this appraisal,

and then I realized there was no buyer on the other end.

But I'd love to hear your story about your tenant

'cause that's more examples

of what these scams actually look like.

- Right, right.

So, if any of you guys have seen me on YouTube,

I do real estate videos, I invest in real estate.

I'm also an attorney as Ryan mentioned, but--

- I'll also put his links down in the description.

I'll put a card up in the corner, too,

for anybody who wants to learn more about him,

and check out his channel.

- Yeah.

So we had a new tenant move in to one of my buildings

in March of this year, 2019, and she did the usual.

She paid the first month's rent, security deposit,

so everything was good, everything was going fine,

and then April came around,

and rent is due on the first of the month.

So the fifth of the month,

I still don't see it in the bank account.

We gave her a couple of different options for how to pay

so I just reached out to her through text

and I said, hey, we haven't gotten your rent,

where did things stand?

And she says, oh, I paid it,

and I talked to your business partner in text,

and he told me how to pay for rent.

And I said, oh, you did?

And she's like, yeah, I sent money through Western Union.

And I thought, okay, well, that's weird.

So I reached out to my business partner,

and I said, "Did you talk to her?"

And he says, "No, I've never talked to her.

"I don't even know how to use Western Union."

And so, I'm like, all right,

so either this tenant is lying to me,

which is not uncommon, so that was my first thought,

she's probably lying just to--

- [Ryan] She's giving you the runaround or something?

- Right, this is just one of those.

- Just to maybe buy some time to maybe

get the money figured out? - Exactly, exactly.

Or just say I paid, and it's not my fault,

that's something like that.

So, I went back to her, and I say,

hey, my business partner never talked to you, he says,

and what number did you use?

Who did you talk to?

And she says the number that she was texting with,

and the number just happened to be one digit off

from my business partner's phone number,

actual phone number. - Really?

- So then I thought,

okay, maybe there's more to it.

So I said, okay, do you have a confirmation?

Usually, Western Union gives you a confirmation number

for your transaction, your transfer.

She gives me that.

And then I go on Western Union, and I plug the number in,

and lo and behold, she actually did transfer money

to somebody in New Jersey who went and picked it up already.

- So basically, she was trying

to text your business partner,

and when she was putting the numbers in her phone,

she missed one of the digits

and actually got someone on the other end.

- Who happened to be a scammer.

- [Ryan] Who happened to be a scammer!

- Yeah, yeah. - Oh, okay.

- It was a crazy story.

So I actually went, I tried to help her out,

and this kinda goes to the point

of what we're talking about.

I said, let me reach out to a buddy of mine from law school

who is the district attorney in the county where she lives.

So I did that, I talked to him.

It was $700.

So it wasn't a ton of money,

but it's a lot of money to somebody like her, obviously.

So my buddy said, I'll look into it, let some time pass,

and he got back to me and said,

the detectives couldn't really get very far with it.

It's out of state, across state lines.

It's only $700.

We have other priorities, basically, and sorry.

And that kinda comes back to what happens

if you do get scammed today.

Unless it's a large amount of money

or unless it's somebody

who scammed a lot of different people,

the authorities are not likely to really go after them.

- Right, yeah.

And actually, you even helped me earlier this year.

I don't know if you would call this, it's kind of a scam.

Those people with the couch I was looking at,

obviously, there was some things

that I did in that that were wrong.

Basically, just to fill you guys in on that,

I was lookin' to buy a couch earlier this year.

I went and took a look at it, gave them a cash deposit,

which was way too large

based on how much the actual couch was gonna cost,

gave 'em a $500 cash deposit,

and then after I gave them that deposit,

basically, it came out they had lied about the measurements

and the dimensions of the couch.

Now, was that deliberate, was it not, I'm not sure,

but as it turned out,

I said, this couch isn't gonna fit in my room,

I need my deposit back, and they basically said,

no, we're not giving you back your deposit.

Now, because Vitale's my friend,

he was able to help me out there for free.

So you wrote a quick letter for me and sent it,

and you were able to get-- - Let's get 'em straight.

- Yeah, get my money back, which was awesome.

But I remember after that happened,

I kinda felt bad 'cause I'm like,

this type of thing happens all the time,

and unless you have a friend,

I don't know what's the going rate for an attorney

if I were to try to hire someone to represent me for this.

- So, it depends on how big your city is,

the market that you're in in terms of legal services,

but if you're in New York City,

you could be paying $1,000 an hour

for an attorney. - Wow.

- If you're in our area, upstate New York, it's a lot less,

but you're still looking

probably a couple hundred dollars per hour to do the work.

- So, it's like if you are out 700 bucks

like the case of your tenant,

it's not even cost effective-- - Not at all.

- To hire someone to represent you.

- No, no.

Hopefully we're not giving a blueprint

for people to start scamming people.

Unless it's a large enough amount,

or unless you're easily discoverable as the scammer,

if you know who they are,

they're likely not gonna be prosecuted

or gonna see any real consequences, which is sad.

- So, I'm thinking best case scenario,

you and your scammer live in the same state,

maybe even the same area.

That way, you have a better chance

of figuring out who they are and building a case here.

Maybe not such a good scenario

is you guys are in different states.

And in worst case scenario, different countries.

- [Vitale] Different countries, yeah.

- So, I personally have a feeling

that the people I'm gonna be dealing with

are gonna be from India, Russia, who knows?

China, other countries.

So let's say I go down, and I am,

I think I'm gonna go down the road

of actually sending these people a small sum of money,

what are my options?

Am I pretty much just kissing that money goodbye?

- Most likely, you are.

There are a couple of different options, though.

Once you've realized that it was a scam

or you know that it's a scam, or even suspect it's a scam,

you can go to the Federal Trade Commission.

You can go right on their website.

They have complaint forms that you can fill out

and submit a complaint.

There are also United States Department of Justice.

You can also go to your Attorney General's Office

in your state,

although they'll probably say it's out of our jurisdiction

because it's across state lines.

But they sometimes work together with the Federal Government

to try to bring these scammers to justice.

One example I'll give you, actually, is out of India.

I think 2016 is when the prosecution occurred,

but there was a huge ring of scammers.

Some of 'em were here in the United States

and some of 'em were in India,

and what they were doing is they were calling people

pretending to be IRS

and saying that you, the taxpayer,

you owe us money, and you're gonna go to jail

unless you send money to us.

And they were basically getting people

to either send money by wire, or gift cards.

- Wow. - Like Visa gift cards

and things like that,

and they defrauded people

of millions and millions of dollars.

I think it was over 30 million

over the course of four years.

- [Ryan] This phone call center operating this?

- Yeah, the entire ring.

And what they were doing is

they were actually cashing the money,

like the cards and everything in United States,

they had legitimate businesses here

that they were laundering money through,

so they had runners, they called them.

Once someone sent the money in, they'd go out, pick it up,

and then they put it through their business

to make the money legitimate.

- Wow. - 'Cause they were circulating

so much of it that they have to do something like that.

So, the Department of Justice got involved,

the Indian government got involved,

people got arrested over there, people got arrested here.

I think they might have extradited a few of them,

but they brought I think 26 of them to justice

here in the United States. - Wow.

- And they all got max sentences in India for 20 years.

- It's gotta be happening on a large enough scale.

- [Vitale] That's it, yeah.

- And the other thing you were telling me too

that was really interesting is,

I know there's a legal term for it,

but some countries cooperate with each other

but some don't, right? - That's right, yeah.

So the legal term is an extradition treaty.

So countries that have a treaty like that

with the United States,

you may be able to get a scammer who's arrested there

for a crime that they committed in the United States

against United States citizens brought here.

But there are only a few of those countries.

Most countries either do not have a treaty with us,

or they have, they call it diplomatic relations

where it's more of a case-by-case situation.

Usually through diplomacy,

you'd have the ambassadors talking to each other

and figuring out some kind of a deal,

and it would have to be a high profile case.

It's not gonna be $700.

- Yeah, your $700 that you sent to somebody.

It's gonna have to be millions of dollars

or hundreds of thousands. - Yeah, yeah exactly.

It has to be significant enough

or it has to have defrauded enough people

of $500 each, let's say

for that to be a significant enough thing to go after.

- I think it's just interesting, too.

I feel like these types of things,

even so we're talking on a scale of,

okay, in India or whatever,

these other countries scamming us,

but just for example, my cameraman here, Rob,

this is kind of an interesting story,

him and the guy he was living with,

they moved out of their apartment they were occupying.

Their landlord tried to hold their security deposit

by saying you guys destroyed the driveway,

even though it was a shared driveway

'cause they lived in the front property

and he lived in the back.

So he was just making this thing up saying,

oh, you had too many cars back and forth on the driveway,

you destroyed the driveway, I'm holding your deposit,

and they ended up because Rob has a friend

who was able to help them, pro bono or whatever,

they went and took it to small claims court

and got their deposit back.

But I feel like there's a lot of that going on too

of somebody just strong-arming somebody

or just assuming they're not gonna do anything about it,

I'll just hold onto their money.

- And that happens a lot too.

With the example of Landlord Tenant Law,

tenants have a lot more protections in New York State

than other types of breach of contract situations.

So like your couch situation,

you're likely out that money

unless you have somebody like me

who could just write a letter and help you out.

If you're a tenant in New York,

you could do this pro bono.

A lot of tenants can actually,

if there's a dispute over whether it's rent

or whether it's a security deposits,

there's definitely ways that tenants

can try to recover their money.

It's designed that way,

especially with the recent changes

to New York state law, Landlord Tenant Law,

which, by the way, I did a video on this back in July

so check that out on my channel.

But with the changes that went into effect,

landlords are held responsible

for a lot more than they used to be.

Obviously, I'm on the other side of this.

I'm a landlord so to me,

I thought the law was a little bit more strong-handed

but I could see situations

where there are legitimate disputes

and tenants are in the right

and they have the benefit of the laws in New York.

So in New York, I think tenants are more protected

for situations like that,

whether it's a security deposit

or some other dispute relating to their rental.

- Gotcha, yeah.

So basically, yeah, I'm going to be,

I believe, sending money overseas,

and so from what I'm gathering here,

it's basically like I've got no chance of seeing that money,

other than I can maybe report it to the FTC,

but unless there's massive volume of reporting,

then these scams just go unpunished.

- Pretty much.

It's the two things here:

one is identifying the scammer, who they are.

- 'Cause they're using

probably voice VoIP communication.

When communicating with them,

I'm personally using a VPN just to be careful.

- That's right. - But it's like,

they're probably doing the same thing.

- Right, yes.

So first thing is to identify them if you can.

Once you've identified them,

is there a jurisdiction

to bring any kind of legal action against them

where they're at,

and most of the time, there isn't.

- All right, so I've got one final question for you.

Personally, between you and me,

I'm gonna be sending money to somebody over the internet,

overseas, is this a good idea?

You think it's a good idea?

- I don't think so.

- No? - No.

I don't think you should.

(Ryan laughs)

That's what I figured.

- Well, I think I'm gonna do it anyway,

but you heard it here. (laughs)

Not something you should be doing.

- As your attorney, I'm advising you not to.

- Okay.

- You can make that judgment.

- All right, guys, so thanks so much for coming on, Vitale.

I really appreciate it.

Like I said, I've got his channel down in the description.

You don't talk so much about legal topics

but you talk more about real estate investing.

Your channels Succeed REI,

and that's gonna be down below.

But yeah, I appreciate your time on this Sunday, man.

And hopefully, we don't have any more scams to talk about,

and I guess I won't be able to get you to send a letter

over to these people in India.

- (laughs) Good luck! - Wherever they are, so--

- Good luck with it.

- All right, thank you.

(mysterious electro music)

We just hit up somebody else here

who aid he's gonna help me start making money.

He is a philanthropist

and he said he can make us at least $5,000.

I asked him if we can talk about it on the phone.

His name is Eric.

He said he's gonna give me a call right now

'cause I forgot with Google Voice,

they can't call us, that was the issue.

Oh, he did just call me.

Hold on a second.

Let me call him back.

He just called.

Ooh. (laughs)

I almost made a mistake there.

I almost called him through your regular phone.

All right, are we ready?

(Ryan clears throat)

(phone ringing)

- [Scammer] Hello, Jim.

- Hello, is this Eric?

- [Scammer] Hello, Jim, how are you doing?

- Oh, I'm good, I'm good.

I'm just looking to learn some more

about some of these new ways of making some money.

Like I said, short on rent this month

and the kind of I'm at the end of my rope here as you say.

(scammer speaks in foreign language)

I didn't quite get that.

Do you mind repeating yourself, Eric?

- [Scammer] Yeah, I said, do you know about bitcoin?

- Oh, Bitcoin, yeah.

I've seen a little bit about it on the news.

I know that it's the digital crypto, right?

- [Scammer] Yeah, yeah, yeah, cryptocurrency.

- Yeah, I don't know anything about it

but I've seen it an it seems like a kind of a cool thing.

I'd love to be involved.

- [Scammer] Okay, how much do you have

with you right now to start with?

- So let's see.

If I really scrape it all together right now,

I've got about 700 bucks

but that's literally all I got, man.

Beyond that, I'll be on the street.

- [Scammer] How much in bitcoin?

- How much what now?

- [Scammer] Oh yeah,

you lost the number you have right.

Dope.

- How much money?

I got 700 bucks, man.

- [Scammer] Then where it goes?

- 700, yeah.

That's every penny I got, man.

- [Scammer] Yes, do you have any stores around you?

Do you have any store around you?

- Yeah, I got some stores by me.

Yeah, live in Houston so I'm in a pretty populated area.

So what do I need to do here?

I'm ready to get started.

- [Scammer] Have you heard Cash Application?

- Yeah, I've heard of Cash App.

I can do Cash App, yeah.

- [Scammer] How much you send here alone?

- Like I said, I've got $700.

It's a stretch but I could probably send you $100.

I gotta get some of that back.

Like I said, if I don't get,

I will literally have no home if I send you that money.

- [Scammer] Then I first need an object, $400.

You have $400?

- $400?

- [Scammer] Hello?

- Yes, can you hear me? - Hello?

Can you hear me?

- Are you there?

(phone beeps)

Man, I don't think I wanna go any deeper with this guy.

He's basically asking me,

I think where this is going

is he wants me to Western Union, go to a store,

Western Union some money.

He wants me to send him I think 400 bucks,

and that's where you know

that these people really do not care

because I literally was telling him

that if I give him that money,

I will be out of my house 'cause I've gotta pay rent.

I made it as clear as possible, I think,

that I need this money.

If you take this money,

I will literally be out of a house.

He didn't seem to care

so I don't think these people have any sense of remorse.

So basically, he said, all right, Jim,

send me your Cash App details.

And now, I don't even know where to go from here.

I think this may be the end of the scam.

At this point, if I sent him those details,

that's where I'm going to send the money to you.

So he's gonna want me to send him the money

where he's gonna get into my Cash App and take the money.

So I think this is the end of the road for this scam.

I don't know, do you see anything else we could ask here

or where we could go with this?

Yeah, this is pretty much what happens

is you get on the phone with them,

and we'll check back and I'll update you

if we do hear back from the woman that we sent the $75 to

but I honestly don't expect to hear back from them,

and I think this is pretty much what they do.

So at this point, I'm gonna go ahead

and block these guys that we just talked to here,

and I think that is pretty much all the time

I wanna spend on the phone with these guys

'cause it's not comfortable.

It's just weird knowing

that this is somebody that literally all day,

this is what they're doing.

They get up in the morning, they sit down at their desk,

they jump on their phone,

and this is what they do all day.

They scam people, and it's just crazy.

So I'm gonna go ahead and block these numbers,

and then we'll update you

if we hear back from hacker Olivia

regarding our $75 Bitcoin.

(mysterious electro music)

All right, so one week has gone by

since we sent out this money to this online scammer,

and boy have things heated up in a serious way.

Not really, but we have had some dialogue back-and-forth

which is quite interesting.

And the other thing I've noticed too,

every couple of days,

I would check this chat that I had going on here

and I started getting random texts and calls

from other people, just random numbers.

So I think what actually happens here

is once you are communicating with one of these scammers,

they're gonna give your number out to other people,

or maybe it's even the same person

contacting you with all these different numbers,

but I kept getting these messages like, hello, how are you,

hello, and these random missed calls.

So where did things left off on Sunday night last week?

The woman there, Kathy, was that her name?

I don't even remember what her name was.

Olivia, it was Olivia, okay!

Hacker Olivia, where she left off with me,

she was gonna get back to me,

and I decided to try to appeal to her more sensitive side.

I said, "Thank you so much for helping me.

"Maybe my kids will get a Christmas this year after all.

"God bless."

And she responded and said, "The pleasure is all mine."

This was last week on Sunday.

So then she followed up and said,

"Hello, good morning, sir, how was your night?"

Question mark, question mark,

to which I didn't respond.

And then two hours later, "Are you there?"

with two question marks.

So that evening, I responded and I said,

"I am, yes.

"What is the next step?"

And then I said, "My night was good, and yours?"

Question mark.

Oh, did we just lose power?

Well, that's okay, that's still rolling, right?

Dude, I hope it's not hacker Olivia. (laughs)

(suspenseful music)

Okay, so at that point, I said,

"My night was good, and yours?

"I barely slept, I was so excited."

Going back up?

So then she said, "That cool.

"You need to pay for the software, sir,

"which will cost you $150

"before we can mail anything to you today."

So that was my prediction from the beginning

was that this $75 was just the trip wire

to see if I was actually going to send her money,

and then she was gonna continue

to request more and more money,

to which I responded, what are you talking about?

You said it was $75.

I gotta go.

I will talk to you tomorrow, not happy.

So she responded and said, "Why are you not happy?

"You need to do this so I can mail it to you today."

Again, we're talking about mailing Bitcoin,

which is clearly a digital currency which you can't mail,

unless she was gonna send it to me on a paper wallet

which we know that that's not true.

Then she says, "Hello, are you there?"

with two question marks,

and I responded and I said,

"I don't have any other money to invest.

"I'm gonna have to ask you for the $75 back, please.

"I can't even afford rent this month."

And then she responded and said, seams, as in S-E-A-M-S,

like the seam of a shirt.

"Seems you aren't getting me, sir.

"This minor is a software and hardware work combination.

"The minor is installed onto a blockchain wallet

"through its specifically designed software.

"You get to earn 20 to 50% of your initial investment weekly

"depending on you amount invested."

And then she sent a longer explanation of this software.

So please, I want you to know

that you're not doing me a favor, not in all caps.

So I didn't do her a favor by sending her $75 for no reason.

I've already invested a lot of money in Bitcoin

and I don't ever regret it to this day.

I invested.

Forecast predict according to crypto analysis

and forecasts experts,

Bitcoin will keep going up

and the value will over increase over the years.

Right now, one BTC equals 63.86.

In 2020, one Bitcoin equals plus or minus 20,000.

You can review the Bitcoin value chart

and see yourself, my friend.

So we're back to being friends now.

I'm giving you the chance to make more money

than you already make, the power to live your dreams.

I'm selling you the future of currency

and you will make a huge mistake if you don't invest now.

According to forecasts,

now is the best time to invest.

So then, I don't respond,

and then she hits me with the good-morning text.

So to that one, I respond and I say,

"I would like a refund,

"can you mail me a check?", question mark.

That was money for my Christmas presents for my son.

So then she responds and says,

"You are supposed to have received your funds, sir,

"but you not here.

"Are you really busy?" question mark, question mark.

And then again on Thursday responds with hello.

So I sent one final message and I said,

"So you will not give me a refund?

"That makes you a scammer, right?" question mark.

And that is where we left things off here.

So what I believe has happened here

is she used that initial $75

to see if I was dumb enough to send her money,

and then she hit me with the 150.

And I can almost guarantee, you guys,

if I sent her that $150,

then she would hit me up and say,

oh, we gotta spend an additional $300

on shipping or whatever.

She would just continue

having me send her more and more money.

So I believe this is what we would have going on there.

It's called the sunk cost fallacy.

And this is kind of similar

to let's say you're driving an old beat-up car

and you've just brought it to the mechanic,

and you put $1,000 of work into that car.

And then a week later,

you find out that that car needs more work.

Well, even if it's no longer a wise decision

to keep fixing that car,

because of the sunk cost involved with that,

because you've already fixed it up,

you're more likely to continue sinking more money into it

because you feel like,

oh, I've already put so much money into this car,

what's another $100 or what's another $300?

So I believe the same thing would happen here

where if you were involved in a scam like this

and you sent hacker Olivia $75,

and then you follow up and you send her 150,

if you continue doing this,

you might eventually say, you know what,

I've already sent her so much money,

I'm already so deep in this rabbit hole,

what's another 75?

What's another $100?

So I believe that is what happens with people,

and it also happens with gambling too

because you've spent so much gambling, you're like,

what's another $100?

It really doesn't make a difference

even though it's still just as bad of a waste of your money.

So I think that's pretty much

where this scam comes to a close here.

Obviously, I'm not gonna send her any more money,

and I'm out the 75 bucks.

And so, yeah, this is what happens

when you send people money online

when you get involved with scams like this.

I'm hoping that having shown you guys this,

you can better identify

when these scams are happening to you,

and we have to remember too

that they tend to prey on the elderly,

especially with scams like this, with telephone scams.

Even my own family members

have been involved in scams like this.

So you may think that it's not happening

to people in real life but it honestly is.

So I guess the major takeaway here

is maybe share this video with some friends

for entertainment value

or share it with people just from an informative basis

so they can see what these scams actually look like,

and maybe we should all just keep a better eye out on

especially older people in our lives

who may be susceptible to scams like this.

But that's all I got, guys.

I hope you enjoyed this.

If you stuck around to the very end,

drop me a comment down below and let me know.

I'm always curious who actually watched the entire video

and I certainly appreciate you guys for that.

But thanks for sticking around, thanks for watching, guys,

and I will see you in the next video.

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