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Don't want to get the phone herpes.
On a Tuesday evening this past October, I put $50,000 in cash in a shoe box, taped it shut as instructed, and carried it to the sidewalk in front of my apartment, my phone clasped to my ear. “Don’t let anyone hurt me,” I told the man on the line, feeling pathetic.
“You won’t be hurt,” he answered. “Just keep doing exactly as I say.”
Three minutes later, a white Mercedes SUV pulled up to the curb. “The back window will open,” said the man on the phone. “Do not look at the driver or talk to him. Put the box through the window, say ‘thank you,’ and go back inside.”
The man on the phone knew my home address, my Social Security number, the names of my family members, and that my 2-year-old son was playing in our living room. He told me my home was being watched, my laptop had been hacked, and we were in imminent danger. “I can help you, but only if you cooperate,” he said. His first orders: I could not tell anyone about our conversation, not even my spouse, or talk to the police or a lawyer.
Now I know this was all a scam — a cruel and violating one but painfully obvious in retrospect. Here’s what I can’t figure out: Why didn’t I just hang up and call 911? Why didn’t I text my husband, or my brother (a lawyer), or my best friend (also a lawyer), or my parents, or one of the many other people who would have helped me? Why did I hand over all that money — the contents of my savings account, strictly for emergencies — without a bigger fight?
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When I’ve told people this story, most of them say the same thing: You don’t seem like the type of person this would happen to. What they mean is that I’m not senile, or hysterical, or a rube. But these stereotypes are actually false. Younger adults — Gen Z, millennials, and Gen X — are 34 percent
more likely to report losing money to fraud compared with those over 60, according to a recent report from the Federal Trade Commission. Another study found that well-educated people or those with good jobs were just as vulnerable to scams as everyone else.
Still, how could I have been such easy prey? Scam victims tend to be single, lonely, and economically insecure with low financial literacy. I am none of those things. I’m closer to the opposite. I’m a journalist who had a weekly column in the “Business” section of the New York
Times. I’ve written a personal-finance column for this magazine for the past seven years. I interview money experts all the time and take their advice seriously. I’m married and talk to my friends, family, and colleagues every day.
And while this is harder to quantify — how do I even put it? — I’m not someone who loses her head. My mother-in-law has described me as even-keeled; my own mom has called me “maddeningly rational.” I am listed as an emergency contact for several friends — and their kids. I vote, floss, cook, and exercise. In other words, I’m not a person who panics under pressure and falls for a conspiracy involving drug smuggling, money laundering, and CIA officers at my door. Until, suddenly, I was.
That morning — it was October 31 — I dressed my toddler in a pizza costume for Halloween and kissed him good-bye before school. I wrote some work emails. At about 12:30 p.m., my phone buzzed. The caller ID said it was Amazon. I answered. A polite woman with a vague accent told me she was calling from Amazon customer service to check some unusual activity on my account. The call was being recorded for quality assurance. Had I recently spent $8,000 on MacBooks and iPads?
I had not. I checked my Amazon account. My order history showed diapers and groceries, no iPads. The woman, who said her name was Krista, told me the purchases had been made under my business account. “I don’t have a business account,” I said. “Hmm,” she said. “Our system shows that you have two.”
Krista and I concurred that I was the victim of identity theft, and she said she would flag the fraudulent accounts and freeze their activity. She provided me with a case-ID number for future reference and recommended that I check my credit cards. I did, and everything looked normal. I thanked her for her help.
Then Krista explained that Amazon had been having a lot of problems with identity theft and false accounts lately. It had become so pervasive that the company was working with a liaison at the Federal Trade Commission and was referring defrauded customers to him. Could she connect me?
“Um, sure?” I said.
Krista transferred the call to a man who identified himself as Calvin Mitchell. He said he was an investigator with the FTC, gave me his badge number, and had me write down his direct phone line in case I needed to contact him again. He also told me our call was being recorded. He asked me to verify the spelling of my name. Then he read me the last four digits of my Social Security number, my home address, and my date of birth to confirm that they were correct. The fact that he had my Social Security number threw me. I was getting nervous.
“I’m glad we’re speaking,” said Calvin. “Your personal information is linked to a case that we’ve been working on for a while now, and it’s quite serious.”
He told me that 22 bank accounts, nine vehicles, and four properties were registered to my name. The bank accounts had wired more than $3 million overseas, mostly to Jamaica and Iraq. Did I know anything about this? “No,” I said. Did I know someone named Stella Suk-Yee Kwong? “I don’t think so,” I said. He texted me a photo of her ID, which he claimed had been found in a car rented under my name that was abandoned on the southern border of Texas with blood and drugs in the trunk. A home in New Mexico affiliated with the car rental had subsequently been raided, he added, and authorities found more drugs, cash, and bank statements registered to my name and Social Security number. He texted me a drug-bust photo of bags of pills and money stacked on a table. He told me that there were warrants out for my arrest in Maryland and Texas and that I was being charged with cybercrimes, money laundering, and drug trafficking.
My head swam. I Googled my name along with “warrant” and “money laundering,” but nothing came up. Were arrest warrants public? I wasn’t sure. Google led me to truthfinder.com, which asked for my credit-card information — nope. “I’m in deep shit,” I texted my husband. “My identity was stolen and it seems really bad.”
Calvin wanted to know if I knew anyone who might be the culprit or if I had any connections to Iraq or Jamaica. “No,” I said. “This is the first I’m hearing about any of this, and it’s a lot to take in.” He asked if I had ever used public or unsecured Wi-Fi. “I don’t know. Maybe?” I said. “I used the airport Wi-Fi recently.”
“Ah,” he said. “That’s unfortunate. It’s how many of these breaches start.” I was embarrassed, like I’d left my fly unzipped. How could I have been so thoughtless? But also — didn’t everyone use the airport Wi-Fi?
Calvin told me to listen carefully. “The first thing you must do is not tell anyone what is going on. Everyone around you is a suspect.”
I almost laughed. I told him I was quite sure that my husband, who works for an affordable-housing nonprofit and makes meticulous spreadsheets for our child-care expenses, was not a secret drug smuggler. “I believe you, but even so, your communications are probably under surveillance,” Calvin said. “You cannot talk to him about this.” I quickly deleted the text messages I had sent my husband a few minutes earlier. “These are sophisticated criminals with a lot of money at stake,” he continued. “You should assume you are in danger and being watched. You cannot take any chances.”
I felt suspended between two worlds — the one I knew and the one this man was describing. If I had nothing to do with any of these allegations, how much could they truly affect me? I thought of an old
This American Life episode about a woman whose Social Security card was stolen. No matter how many times she closed her bank accounts and opened new ones, her identity thief kept draining them, destroying her credit and her sanity. (It turned out to be her boyfriend.) I remembered another story about a man who got stuck on a no-fly list after his personal information was used by a terrorist group. It dawned on me that being connected to major federal offenses, even falsely, could really **** up my life.