Oct. 28, 2025
Subscription Email Scam Our Guest Almost Fell Victim To
Did you get an email confirming your subscription renewal and the fee is being deducted from your bank account? Most people would panic.
Valorie joins us today to discuss her experience and how she almost fell victim to this scam.
Let’s Talk About Scams is broadcast live Tuesdays at 8AM PT on K4HD Radio - Hollywood Talk Radio (www.k4hd.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). Let’s Talk About Scams TV Show is viewed on Talk 4 TV (www.talk4tv.com).
Let’s Talk About Scams Podcast is also available on Talk 4 Media (www.talk4media.com), Talk 4 Podcasting (www.talk4podcasting.com), iHeartRadio, Amazon Music, Pandora, Spotify, Audible, and over 100 other podcast outlets.
Disclaimer: The information contained in this podcast is intended for informational purposes only and is not a substitute for individual professional / legal advice. The podcast information was carefully compiled from vetted sources and references; however, R.O.S.E. Resources / Outreach to Safeguard the Elderly cannot guarantee that you will not fall victim to a scam.
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WEBVTT
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This program is designed to provide general information with regards
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to the subject matters covered. This information is given with
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the understanding that neither the hosts, guests, sponsors, or station
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are engaged in rendering any specific and personal medical, financial, legal, counseling,
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professional service, or any advice.
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You should seek the services.
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Of competent professionals before applying or trying any suggested ideas.
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The information contained in this podcast is intended for informational
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purposes only and is not a substitute for individual professional
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legal advice. The podcast information was carefully compiled from vetted
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sources and references. However, Rose Resources outreach to safeguard the
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elderly cannot guarantee that you will not fall victim to
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a scam. Let's talk about scams. It's the must listen
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show for anyone who wants to protect themselves and their
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loved ones from scams. Every Tuesday at am Pacific time
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on K four HD Radio, Joyce Petrowski, founder of Rose,
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and her guests will provide valuable insights and practical tips
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on how to recognize and protect yourself from scams. And
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now here is your host, Joyce Petrowski.
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Hi, everyone, welcome back.
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I'm Joyce Petrowski, founder and board president of Rose Resources
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Outreach to Safeguard the Elderly. You can find more information
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on our website at Rosadvocacy dot org. You'll find our
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social media links and if you scroll down to the
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bottom of the homepage, you'll see where you can sign
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up for our emailed newsletter and or our mailed newsletter.
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Always good to get those reminders on a regular basis,
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so it helps enforce your healthy skepticism and you're more
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apt to make scam prevention a habit with those regular reminders.
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And don't forget to click subscribe. You don't ever miss
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an episode of this show. So today we are joined
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by Valerie excuse me, and she's going to talk to
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us about a tech support subscription scam that she encountered
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a few years back. So let's welcome Valerie. Hello, Hey, Valerie,
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how are you doing well? Thank you well, Thank you
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for joining us today and tell us a little bit
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about the scam that you encountered a few years ago.
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Okay, I was going through my email, clean it out,
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see what was there, and I came across one from
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Norton Anti Virus. I opened it and it was a
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short letter that said, thank you for renewing your subscription
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for Norton Plus. We have deducted four hundred and ninety
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nine dollars from the bank account you had on file
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with us. If you have any questions about your new subscription,
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please call this phone number. Well, I panicked. It was
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at a time when our budget was pretty tight. I
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did not remember having subscribed to Norton, and I knew
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we could not afford four hundred and ninety nine dollars
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at the moment, So I immediately called that phone number
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to tell them this is a mistake. If we signed up,
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please reverse it. We don't want this, and a very
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kind young man on the other end, oh, I totally understand.
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I'm sorry for the mistake. Let's see about canceling this
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subscription and refunding to you the money that we took
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out of your bank account. Now I should have realized
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at the time they never mentioned the bank account, nor
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do I remember ever giving that information in I was
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on the phone, of course, but I had the email
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open in front of me, and he said, we can
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do this all online, and just so that you know
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that this is legitimate, go ahead and open your checking
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account to see that the four hundred and ninety nine
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dollars charge is on there as having come out of
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your checking account. And I opened my bank account, went
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to checking. Sure enough, there was a thing from Norton
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for four hundred and ninety nine dollars. It showed right up,
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and so he said, okay, there is a way that
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we can do this. I'm going to send you to
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your computer a digital form that you're going to fill out,
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and he said, we'll just round it up to five
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hundred dollars and you're going to put back into your
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account from our business five hundred dollars. And he said,
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you're gonna do this, I don't have access to your
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bank account. I want you to know that I can't
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see it, okay, And which is of course, of course
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a lie, right, But anyway, he sent the form digitally
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and I started filling it out, and there was a
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place to enter the five hundred dollars to go back
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into my account. I typed in five zero zero, and
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a third zero immediately showed up five thousand dollars to
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go back into our account. And I said to the
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young man, I did this, but it won't let me
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go back and change it. It went to five thousand
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and get rid of the other's zero. And he said,
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oh no, well, this is a problem. Let me talk
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to my supervisor. And so he goes off the phone
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for a minute or so and comes back and says,
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I'm sorry, we've got a big problem. We're going to
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have to, you know, do something to make sure that
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you send us back the five thousand dollars.
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Okay.
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My husband was on the other side of the room
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and had been listening to this okay, And about that
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time he walks over and he says, I have our
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banker on the phone. She says, there is no activity
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in our account and you should hang up right now.
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Don't say a word to me. Hang up, And so
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I did, and he stayed on the phone with her,
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and she said, now open your checking account, and I
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did and there was absolutely nothing in it. How they
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made it look like money had been taken out of
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my checking account, I do not know. But she said,
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there has been no activity in your checking account in
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these amounts from Norton. It was a scam.
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Wow.
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Well, I was so upset that I had fallen for this.
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I immediately texted my kids and my siblings and told
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them what had happened. I said, be careful of this,
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and my daughter in law said to me, also, be
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careful on one of those phone calls that you never
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answer a question yes, because they will record that yes
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and use it to say that you gave them permission
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to do something. I said, okay. Two days later, we're
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in the car driving someplace. My phone rings and it's
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not a number I know, but I answered it. There
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was a young man on the other end whose voice
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I kind of recognized. To said Hi, this is SO
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and So. Do you remember me? And I said no
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and hung up. I was so glad, because otherwise I
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might have been tempted to say yes, I'm really upset
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with you, right right, But I said no and hung up.
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Two days later he called again, and I didn't even answer.
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I just immediately hung up.
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And was that the last that you ever heard from them?
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That was the last time I heard?
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Well, I'm surprised that they only tried twice because they
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had you so.
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Close to.
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Very very close, right right.
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Yeah, So you were at one of our presentations recently,
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and so you got to see our Anatomy of a
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Scam infographic that we did it was it's in the
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resource packet and we went over it. And so you know,
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we tell everybody we want you to know the red flags,
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and we want you to cut it off at the contact,
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which is the first step, right, it's they have to
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contact you somehow. And a perfect example here was the
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email and it doesn't sound like there was any bad
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grammar in the email, and they probably had Norton or
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they probably had Norton's logo in there, you know, maybe
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to make it look more legit, you know, and you know,
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that's a lot of artificial intelligence, right. You can plug
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it into chat, GPT, a bunch of prompts, and it's
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going to spit out an email to send to millions
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of people that has the grammar's accurate, right, So you
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can't look at the for bad grammar anymore.
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And so then the second.
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Part we talked about was that creating that compelling reason
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to get you to act, which was, oh my god,
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they took four hundred ninety nine dollars out of my account.
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You said, your budget was tight, we couldn't afford it.
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There's a phone number right there, you just immediately call it.
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But you know, you said, I panicked, right, And that's
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that emotion that they want to get you in, is
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the panic. And your husband was listening and he's sitting
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there in his rational state of mind. Yes, so he's
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thinking this doesn't make sense, so he immediately calls the
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bank to verify, which is exactly right. What we talk
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about doing is to verify before you trust. But once
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they get you into that emotional state, all you're doing,
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like in your instance, you were panicking and you just
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wanted to do follow the steps that he was giving
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you because you wanted to get that four hundred and
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ninety nine dollars out of your account. You wanted that
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money back, and he showed you how it was in
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your account. And I don't know technic how they're able
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to do it. I just know they're extremely smart and
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savvy and they have a lot of technology available to.
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Them to make it appear like he did to you, right, And.
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That was what amazed me. You know, of course he
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was saying, I want you to do this so that
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you know that I'm not getting into your checking account.
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And I realized later a big mistake I made at
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the beginning was it said on there we have deducted
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this amount from the account you have on file with US.
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I should have asked, first thing, which account is that,
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because I don't believe he would have known until I
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opened it?
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True, right, And see, these are all those things.
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Right after you get out of that emotional state and
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you think about it more, you're like, you see the
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red flags, right, But that's the difference between when you're
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in your rational state versus your emotional state. And so
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you know, like a lot of people would say, you know,
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they felt stupid, you know, and stuff like that, and
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it's like, it doesn't have anything to do with intelligence
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because you're not thinking clearly when you're thinking out of
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emotions and that scammers know that, and so they they
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do that.
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And I guarantee you you are not.
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The only one that called that phone number, right, And
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there are people that would have lost five thousand dollars
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because they would have went through with the whole thing.
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And you had your husband not been there and you
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followed through everything that he did, you know, then you'd
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be thinking, Okay, you know, I'm I've got that money back.
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But the next day or two you would have then realized,
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wait a minute, five thousand came out of my account,
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and there's never anything put in my account to begin
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with that. Because of that that, you know, you might
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not have checked your account until the next day.
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So it's it's really scary.
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Well it is. And I have always considered myself a
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level headed person, but I panicked pretty quickly.
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It's you know, there's they're so good they can get
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you emotional right off the bat, you know. And and
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and there's people that you know, I think when they
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hear somebody talk about scams in their mind, their mind
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immediately goes, well, that'll never happen to me. And with
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that thought process, you've become, in my opinion, more vulnerable
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to falling victim because you're already thinking you're not going
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to and so you've already let your guard down.
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Right, and.
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You know, uh, it happens to the best of us, right,
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Thank thank goodness, your husband was there and was able
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to overhear what was going on and and called the
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bank to verify and found out, you know, this was
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a scam and all of that. And so the you
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probably heard of the tech support scams, how they would
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originally come out where they would you'd get a pop
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up on your device saying you've got a virus, and yeah,
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sometimes there's a loud noise and all this stuff.
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And sometimes that happened.
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Yeah, you can't use your device and you've got to
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call this number and this and that. And we saw
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that for the longest time, and then all of a
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sudden and it got to the point where so many
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people were falling victim to it. A couple of years ago,
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the FBI put out a public service announcement on this
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specific refund scam where they changed their technique and it
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all still revolved around tech support or anti virus and
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stuff like that, but it was the refund subscription. And
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so that's how scammers evolve, right. They start out and
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then they and then they change their techniques, and it's
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just to keep everybody on their toes, right, because they
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know if they change their techniques that there's going to
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be some people that will fall victim until we start
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hearing about it and we can warn people about it.
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But that's why getting to understand scams in general, which
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I think we do a really good job of with that.
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Anatomy of a scam, right, is that step one is
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that contact and like you did the next two days later,
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