Don't Get Caught Up in a Romance Scam. Hear One Woman's Story and Warning with Debby Montgomery
This is Debby's story of how what started out to be love turned into a scam in which she lost over $1 million dollars. The story starts like any other online romance but then took that turn we all fear. He wasn't who she thought he was and was probably a professional group in a call center. Here this story so you can protect yourself and your loved ones.
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About Debby
Victim Advocate, Founder of The Woman Behind The Smile, Inc., a 501 (c)(3) non profitDebby Montgomery Johnson, Founder of The Woman Behind The Smile, Inc, #1 Best Selling Author, International Speaker, Entrepreneur, and a Podcast host, is a woman on a mission. In her book, “The Woman Behind The Smile” she shares her personal experience with a love that turned into betrayal and financial disaster and she removes the mask of shame and shows others how to do the same. Many of us have something, something we’re hiding, something we’re ashamed of, something that through no fault of our own or through our own making keeps us hidden from each other and the world.
From Vermont and a graduate of the Phillips Exeter Academy and the University of North Carolina-Chapel Hill, Debby is the President of BenfoComplete.com, a vitamin supplement company that provides an alternative remedy for the pain of neuropathy. Products and educational information can be found at www.BenfoComplete.com.
Debby’s background is diverse from working as a paralegal and Senior bank branch manager to being a U.S. Air Force Intelligence Officer serving at the Pentagon, The Defense Intelligence Agency, and in Germany.
Debby has appeared on “The Dr. Oz Show”, CBS This Morning, The Mel Robbins Show, The Tamron Hall Show, WPEC CBS Channel 12 and WPTV NBC Channel 5, in addition to being featured in the Palm Beach Post. She is regularly called upon by reporters for expert commentary about relationship fraud.
Debby is just like you – a woman on a mission to live an authentic, joyful life as the Woman WITH the Smile rather than behind it. She is available for speaking engagements.
www.thewomanbehindthesmile.com
www.ageucational.com
Full Transcript Below
Roy - AGEUcational - Don’t Get Caught Up in a Romance Scam. Hear One Woman’s Story and Warning (00:02):
Hello, and welcome to another episode of educational. This is Roy. This is Terry. So we are a podcast that not only chronicling our journey through, uh, aging, but also, you know, we ha we both have aging parents. And so a lot of challenges, roadblocks hurdles come up, uh, navigating that. So we just want to let people know you're not alone. There are other people that do go through the same challenges. And what we hope to do is not only provide some insight on some things that we've done, but we also have guests, uh, come on from time to time and can talk, you know, professionals or storytellers. And today is no different. We have an awesome guest. We've been waiting a couple of weeks to get on tape. So we're excited to have Debbie here and I'll let Terry give her an introduction.
Terry - AGEUcational (00:49):
Thank you, Roy Debby, Montgomery Johnson is the founder of the woman behind the smile, Inc. It's a number one bestselling author, international speaker, entrepreneur, and a podcast host. She is a woman on a mission in her book, the woman behind the smile, she shares her personal experience with a love that turned into betrayal and financial disaster. And she removes the mask of shame and shows others how to do the same. Many of us have something, something that we're hiding, something that we're ashamed of, something that through no fault of our own or through our making keeps us hidden from each and other. And the world Debbie's background is diverse from working as a paralegal and senior bank branch branch manager, to being a us air force intelligence officer serving at the Pentagon, the defense intelligence agency, and in Germany, Debbie, welcome this morning. We're, we're not excited to speak about the topic, but very happy that you are spreading, you know, sharing your story and spreading the message about how scams can, um, affect everybody. Thank you for coming.
Debby (02:03):
Thank you for having me. I really appreciate it.
Terry - AGEUcational (02:05):
So can you just give us a little bit, uh, uh, uh, what happened to you and, um, where you are today?
Debby (02:16):
Yeah, absolutely. Uh, this started, this habit actually has happened to me almost 10 years ago. My, uh, my husband I've taught 26 years, had gone on a business trip left on a Wednesday afternoon, Thursday morning. I was in a business meeting with of my own company and I got a call from my oldest son, actually left a message that said, mom, dad just died. And that was a pause. He goes, I'm coming home to take care of everything. And obviously I hadn't planned on that and he died suddenly and he was only 56 that, that threw me into now, what do I do? I had to run his company, had to run mine. I had my four children, they were 15 to 23 and I was, I was just, uh, stumped. I had not planned on that obviously. Uh, and so it just threw my life into something that I had.
Debby (03:09):
I, I didn't know where to navigate. I had friends, you know, that all of a sudden I was surrounded by people that said, we need to do this and this and this and, and life took on, on, on motion of its own. And for six months, that's what it was. I had to learn how to run loose company, had to keep the bills paid, keep the roof over my head. And I was living life just in, I call it suspended animation. And, you know, I put that smile up and tried to be so self-sufficient and show the world that I was okay, but inside I was really falling apart and sure I had between 12, midnight and four o'clock was really the only time I had to myself and I laid my in that King sized bed, all alone thinking, you know, now what I got mad at Lou for dying, I got sad because they didn't know really where I was going to go and how to do things.
Debby (04:01):
Then all of a sudden, you know, my girlfriends were saying to me, you need a life, get a life. You've got to get out of the office. You got to do something other than just work. And that's when they got me into thinking about online dating, thinking about dating, which at 52 was a daunting man. That's for sure. Uh, all those, those anxieties of when I was a kid came out, you know, about the, you're not pretty enough smart enough, all those things, which was totally ridiculous, but it was a true feeling. Those were true feelings that I just, it was anxiety ridden. And when they said, you know, why don't you try online dating? It might be safe.
Speaker 4 (04:41):
Oh,
Debby (04:44):
Either my safe need or went off drill this. Okay.
Roy - AGEUcational - Don’t Get Caught Up in a Romance Scam. Hear One Woman’s Story and Warning (04:49):
Yeah. And the other part of that is, uh, you know, the dating world has had changed a lot. I'm sure from, you know, the time that you were dating in your teens and early twenties until now the it's just such a different after marriage. Yeah. It's such a different world out there.
Debby (05:07):
It is funny though. When people, when you ask folks how they've met their significant other, those that met online, still kind of go, I met online
Speaker 4 (05:18):
Roy and I must confess. Yes, we did.
Debby (05:23):
We did. But when you tell people that, you know, maybe you guys don't, but many people do kind of talk under, you know, under their breath seriously that online, there's no stigma, but it's, it's even though it's out there and honestly the 20, some 30 somethings, that's all there. That's the only way they're dating what they know, wipes and all that. That's so different
Speaker 4 (05:47):
And all virtually now, you know, in this time
Debby (05:52):
It is. And that's, that can be scary. Yes. Oh my gosh. So somebody finally
Roy - AGEUcational - Don’t Get Caught Up in a Romance Scam. Hear One Woman’s Story and Warning (05:58):
Talked you into a go ahead and put up a profile on one of the online services. Is that kind of where the story it goes from there?
Debby (06:06):
Yeah. The story went, um, I actually looked for back then. There was no, you know, on the telephone, it was all online. It was virtual. And I went to data, dating websites that I've the faith based sites that I thought would be the safest that I figured I would find the men that would most align with me spiritually and, um, emotionally, mentally. And I honestly, I was very surprised at the beginning at the quality of the 55 to 65 year old men. And I think I teased at one point it's, it's the wife beater, t-shirts the guys with the motorcycles that they had other women. And I was like, they couldn't write worth the beans. It was, it was like a fifth grader. And I'm thinking my, my late husband was very accomplished and very articulate and worked as a briefer for the air force at the Pentagon.
Debby (07:00):
And I'm thinking, this is not what I want until I got an email from a gentleman who was, had his PhD. He was an international businessman from London and he was a widower with a son. And the only trepidation was okay, have my kids, the youngest was 15. I didn't want to raise another family, but I would be willing to be mom to a boy. I think he was around 10. I could take on that. And, and I did. And he was, you know, it was delightful initially because he wrote well, and even though we don't speak on the phone at that point, I could see that his, his bio was good. I checked out the company that he said he was working for. I checked out their website. I did my due diligence. Um, and that was important because I want it to be safe. Right.
Terry - AGEUcational (07:50):
Yeah. Because so many people don't don't even do that due diligence. I mean, you know, they just kind of take people at their word that, you know, they are who they say they are. And I hate to,
Roy - AGEUcational - Don’t Get Caught Up in a Romance Scam. Hear One Woman’s Story and Warning (08:02):
Yeah. I was just going to say too. And I, I think that, um, in my opinion, don't have any research to back this up, but I think that, uh, people who were out to do no good take advantage of the, uh, faith based, um, dating sites, because they know that those are people who are probably going to be a lot more trusting just by their nature. So unfortunately I think it kinda, um, it draws in the people that have bad intentions.
Debby (08:33):
That's a very true statement. And unfortunately it's not, it's not only those sites, but they are, they are particularly. And if you show that you're a widow or divorced, I always think back now that we wouldn't be on those dating sites, if we were married
Terry - AGEUcational (08:51):
Well, you wouldn't think, I mean, that's been proven to be
Debby (08:56):
Wrong think,
Terry - AGEUcational (09:00):
Oh my gosh. So, so you, you became involved in this online, um, romance and you know, how long did this go on before? Yeah, go ahead.
Debby (09:18):
It went all in total. It was, it was almost two years, which to, most people think that's extraordinary, but after Lou died, I really, I wasn't ready for a physical relationship. I'd been married for 26 years. I was looking for someone that I could talk to, that I could be a companion with and Eric was overseas. So it actually was very good for me because I was able to write to him. And I found at that point in my life, it was much easier for me to write out my feelings than to speak them. And it was, I guess, very therapeutic to just get out all the sadness and the grief and the frustrations and all running the company try. And we actually talked a lot about business and because I was running the business by myself, I it's an internet company. I was at home alone. And so when I heard that ding, ding, ding of the Yahoo chat and thinking, well, this is great. Now Erickson, we would be writing to each other for hours. And we, I mean, nothing was off the table. As far as conversation, his family, my family, what happened to his wife when she died, what happened to lube, the kids missing. It was extraordinary friendship that developed, but it developed rather quickly.
Roy - AGEUcational - Don’t Get Caught Up in a Romance Scam. Hear One Woman’s Story and Warning (10:30):
Yeah. Well just looking back, I know it's hard sometimes when you're in the moment, but now looking back, um, was he leading you down a road with the conversation like steering you to, I don't know. Sometimes people, you know, they have those, uh, suggestive ways or suggestive questions or have a habit of steering a topic to a place that when you look back, you can say, Oh, that was very manipulative. Trying to move me over into that space.
Debby (10:59):
Absolutely. And hindsight's 2020. And I look back now and actually, I, I, this is interesting. I was interviewed on Saturday, uh, for a national geographic documentary. That's coming out next year. And I had to go through my journals. I have 4,000 pages of journal, which chronic mold. It was every email message that I got from him that I put into my online journal thinking it was going to be family history. As I was looking back at those emails, it was somewhat of a trigger. And this has been a while for me. So I don't get triggered often, but I did see that the, they never use your name. It's honey. My love sweetheart, that way, again, looking back and knowing what I know they could be talking to a hundred women at once and they don't have to remember your name because if they do, they call it Terry, Debbie and Debbie Suzy, that's a red pen red flag.
Debby (11:55):
Right? Wow. He did that. And then the other thing, Ashley, we lit, found this email. Uh, it was the very first time he and I was talking, talking about what was real love. And I think I mentioned to that to him, that I had fallen in love in real love twice in my lifetime one was with my very first boyfriend and then with my husband. And so he went on to say, well, is our relationship real is our love real. And it was very soon into writing that he did that. And I recall that feeling like, are you sure you want to say this stuff to me right now? Because we don't really know each other. Right. But then after awhile it felt really nice that someone was falling in love with me again. And I needed that validation and absolutely was that a ploy on his part.
Debby (12:43):
And that's the way they groom you into the relationship and they become your lifeline. He became my lifeline. And then cause my, my kids were gone except for my youngest. And he was, he was busy. He was busy with football and yeah, Eric became my life and it was very, it was fun. You know, the excitement of the dating at 15 or 16, all the endorphins in the excitement. And it was joy. It brought me joy in a time when I was overwhelmed with running the company and work and trying to keep life going. It was the few hours of the day that were pure joy for me. Wow. For the most part
Speaker 4 (13:23):
Hits you so vulnerable vulnerably and it just at your, at, at your deepest level. Oh my gosh.
Roy - AGEUcational - Don’t Get Caught Up in a Romance Scam. Hear One Woman’s Story and Warning (13:32):
Well, and you mentioned the, um, ambiguity of the honeys and the babies. So do you know now, what did he have multiple conversations? He worked in multiple angles while he was talking to you, or do you think that after a certain point that he was strictly focused on you?
Debby (13:53):
No. And let me, you know, to put it out there for transparency's sake, I do work with an organization. It's an international organization that works with victims and I've learned a lot since then. And the scammers are not working by themselves. They used to be called the Yahoo boys. And we would think that they were these groups of five or six guys in the internet cafe. Right? These are, these are huge groups of people working together in call centers. And they, I didn't have, you know, one guy that was mine. And I thought about this afterwards, like, cause one night I remember I had three Yahoo. We went onto the Yahoo chat very quickly. He got me off the website, the dating site. And one night I had three open chats going one with his sister in England and his son, one with his attorney and one with him. And in the back of my mind, I'm thinking after the fact, how did they do that? How did, how did I, you know, I said, I thought I was talking to Mary and Kenny, I thought it was talking to Peter. And then the fact is, how do they remember what I was saying? Yeah. I was keeping my journal. They actually keep record. They keep playbooks so that other people can step in to the story. Oh my God. I didn't know that obviously. Um, I've learned a lot.
Speaker 4 (15:07):
Wow. So as you're progressing through this, uh, did y'all ever eventually meet,
Debby (15:16):
Not in person? Uh, because he had, he was in Houston, my Texas connection. He started, he started in Houston and then weeks into it, he got a job. He was an independent contractor. He got a job in Malaysia, moving hardwood, trees from Malaysia to India. I had investments in trees, which he didn't know about. So I kind of understood what he was doing and when he left the country, but I left, he left the country. There were times when we would have internet connection problems. He couldn't get on the Skype. There was no FaceTime back then. But when I asked, can we connect somehow, there was always an issue of connectivity and I didn't know any better. I, I had traveled around the world, but never to the far East like that. And so when you said I can't get on or I've got intermittent, um, connection.
Debby (16:06):
I believed him. I had no reason to not believe him. Right, right. And so we did most of our, most of our talking, as I put it through Yahoo chat, it was instant messaging and it was fun. It was real time. It was fun. I did talk to him just a couple of times. And one was when my son got ahold of an email or a message and just went off the rails. And so Eric called me and I'd heard his voice. He had a British accent, which fit into the story that he was from London. Uh, another time I think it might've been when, when he asked me to help him financially, the first time I I'm one of those Yankees. I don't like to give away money to just anybody. But at one point early on, he started to be part of my family.
Debby (16:51):
And I like to say that I would do almost anything for my family. And when he became that person for me, I wanted to help him. And that's when I think he knew he had me because I gave a lot to him, to his business and to him personally, to help out with, with, uh, personal daily things. Uh, but you know, looking back on that it was a slow process, but then it sped up and there's a lot of urgency to it after a while. And you're thinking, Oh my gosh, I got to get to the bank right now. I'd better do this right now. Or he's, you know, gonna get arrested or he's gonna not get out of the hospital or he's not going to be able to move the trees where they need to move it because customs has it. So there's a lot to it.
Speaker 4 (17:31):
So what was his first ad? I mean, did, did any red flags go up when he, when he made that first financial ask and what was the first financial app?
Debby (17:43):
It's interesting. It's like any scam that the financial ask at first is relatively right. And in our case, he wanted, he had a friend who was an engineer out of the country and he was having difficulty getting onto the dating site. So Eric said, Hey, would you send a check-in to the dating site to get so-and-so? I can't remember his name, get him a profile. And I'm like, well, sure, because you know my experience there, weren't a lot of men and I'm thinking more, the merrier let's get some good guys. Let's get some educated guys. So that was it. It was, it was under a hundred dollars. And I sent a check in to the website. So just kind of, uh, you know, and that started it, that started it. They saw that I was willing to help out. And again, I had had no reason to trust it.
Debby (18:29):
It wasn't really for what he asked me to help with. Um, and then, and then soon after that, then, then it got into the business aspect of it. We were having difficulty with him moving something, and we had a terror. We had a customs issue and owning a company. I do realize that sometimes you don't get paid until after the job's completed. Right. And that's what was happening here. It was a big job and he wasn't going to get paid until it was done. Again, the urgency let's get this done so we can get you home. Yeah. And at that point, I'm thinking, okay, if I can help him move this forward faster than I was willing. Sure. But it was parked.
Roy - AGEUcational - Don’t Get Caught Up in a Romance Scam. Hear One Woman’s Story and Warning (19:09):
I want to back up just a minute. How, how long, uh, how long I know it's all fictitious, but how long did he make you think that he was in the country before he moved off shore in the,
Debby (19:23):
Had his first business trip? He was here a couple of weeks and it was through Thanksgiving. I remember Thanksgiving day, my mom and dad were here and I thought, well, I've got this Brit on the line and he's never had a Thanksgiving. So for the whole day we were chatting, I was telling him about the Turkey and about the preparations and what my father was doing. And it was really fun thinking, okay, we're going to start this new tradition and I'm going to tell him what it's like being, you know, Thanksgiving in America. And after that, of course, then my mom and dad got all wrapped up into it because they could see how excited I was. I literally had my computer on, in the other room and it was on all day long. We were going back and forth all day long. So after that, I mean, we spent a lot of time together and it was many times in the middle of the night for me, because I thought he was in Hong Kong and Malaysia in India made sense that it would be the middle of the night. We'll often me the next day, but it was worth the excitement to, to do that.
Roy - AGEUcational - Don’t Get Caught Up in a Romance Scam. Hear One Woman’s Story and Warning (20:28):
And I think it just, uh, you know, to point out that these guys have gotten much better, they've refined their game, that, you know, back in the old days, it was more of, Hey, um, I'm on a mission trip. You know, these are the ones that I've heard relayed that I'm on a mission trip and lost my wallet. I need a plane ticket home or money to eat or get a motel. And so I just find it interesting that this, uh, this was smart enough to start on shore in the U S but then, you know, within a couple of weeks, fairly quickly transitioned to off shore where he could get in that the rhythm of, I guess, his time zone, where they live, that he, he had a reason to be up in the middle of the night, talking to you instead of during the day.
Debby (21:16):
Right. And again, remember if it wasn't just one guy, so time, time zones wouldn't make a difference because they weren't 24 seven call center call, but it has, the game is really, it's been up to, uh, they're very, well-trained now there, it's international, it's full multi-billion dollar economy that we're talking about here. And so far, technologically below beyond any of us. And we're all pretty well-trained, but they're very good at what they do. Yeah.
Roy - AGEUcational - Don’t Get Caught Up in a Romance Scam. Hear One Woman’s Story and Warning (21:47):
So how long, you know, and then I want you to share what you feel comfortable sharing. So we'll put that kind of put that limit on it, but, uh, so like how many ask were there and then how long did it, did that part drag out? And then what was the final aha moment for you?
Debby (22:08):
Okay, well, there were many asks and again, incrementally, they got larger and larger because we were, we were looking at a really big business transaction. And what started off as, you know, Western union, $2,500, this is for power of attorneys to a hundred thousand dollar wires to get product. Or these trees moved across the Indian ocean. I mean, it was an extraordinary thing. And so again, we were, we were in our relationship for almost two years. And then on September 10th, 2012, I'll never forget that date. Uh, he came online and we were typing to each other and he said, Deb, how do you feel about forgiveness? And I we'd had many spiritual experiences. And again, I met him on a faith based site, so it wasn't surprising. Right? And we talked for hours about that. And then we got disconnected again, not something unusual. And when he came back, he said, let's revisit what we were talking about this morning.
Debby (23:09):
Do you remember what we were talking about this morning? So again, we went over forgiveness and finally I was writing and I said, Eric, have I done something wrong? I said, why, why are we having this discussion? He said, well, because I have something to tell you that I think it's going to hurt you. And I just need to know that you can forgive me for doing this. And I was thinking to myself at that point, we'll you don't need to tell me you don't need to be hurting me. Leave me in the dark. He goes, no deputies. I have a confession. And it that I just had this gut does knife in the gut because I'd actually heard that once while I was married and we were happily married, but anybody who's been married for over a week knows that you get the ups and downs and all sorts of ins and outs and being married.
Debby (23:51):
And I had heard, I have a confession and it wasn't a happy thing for me. And when I heard Eric say that, I was like, Oh wow. You know, I don't want to hear this. And he goes, Deb, I have to confess, this has all been a scam. And when I heard that, I'm thinking you're, something's wrong. You're ill. You're, you know, there's duress there. This is not. And then I said, you're lying about that. You're lying. This can't possibly be a scam. It's been two years. Yeah. And I said, now you have to prove it to me. And he goes, okay, I'm going to come on, live on Yahoo chat. And of course, I'd asked him that for two years come online. I said, how do we do that? And he walked me through, so here on visualize my dual screens in my office, and I have my handsome Britt up on those screens.
Debby (24:36):
And in the corner of my computer screen pops up a little camera live. And I'm looking at this dark hair, dark eyes, dark skin, young men with a big smile on his face. And I just get that, Oh my gosh, feeling, you know what has happened here? But in an instant, it was my, my heart was separated from the story. And my mind finally took over. I picked up my camera and my phone, and I took a picture of that young man. I have one picture of the real guy. And he was a young Nigerian felon name was not Eric. He was not from London. He was era Joseph from Lagos, Nigeria, not once in two years. Did I hear Africa, Nigeria, any place that would have been a lights on for me? I was, I was a former Intel officer for the air force.
Debby (25:26):
I would have known instantly. So he had this big smile on his face and he was thinking, Hey, can we keep this going? And I looking at him like, are you out of your mind? And he said, is it because I'm black and young? And I'm like, no, it's because you've lied to me for two years and you stole over a million dollars from me. Wow. And that's when I hear the backroom, like people go, Ooh, let me make it clear. I did not have a million dollars in the bank waiting, but I sold jewelry. I cashed in my retirement accounts. I did whatever I could to help him out. And I even asked my mother and dad for help. And they gave me a hundred thousand dollars, which out of the whole million, it's that a hundred thousand. That bothered me the most because I trusted my parents. I trusted him that we could pay them back very quickly. And when I knew that wasn't going to happen, uh, that just broke my heart. It just did this thing. Go ahead.
Roy - AGEUcational - Don’t Get Caught Up in a Romance Scam. Hear One Woman’s Story and Warning (26:28):
No, I'm sorry. I was just going to say, did he promise you like a, um, I know he promised to pay it back, but did he promise you a return? Like you were part like this was a business venture that if you could just help me get this done, there will be a big return for you on top of just paying you back.
Debby (26:46):
The return was he was coming home. He was coming to me and of course he was coming with all that. Plus he was going to pay me back so that, you know, had to pay my, uh, retirement accounts back quickly, or I was going to get penalize penalize. Right. Which happens. And that's the most devastating thing for, for women and men. This has happened too, is now, you know, you've got to pay those penalties back and we've got IRS issues. I mean, this opens up a huge can of worms, which people don't talk about because they're so afraid of first off the scammers know where I live. Well, they're not coming after you. They'll cowards second off. You know, how do you deal with that? Because now you've lost your retirement. You've lost some metal, some have lost their homes. They've lost family members because people think how, how ridiculous you've been.
Debby (27:35):
How could you have done that? They may be retired. They may not have an income anymore. Social security is certainly not going to pay back hundreds of thousands of dollars. And I'm working with women today that that's happening too. And they are so upset. They're depressed. They're on the verge of suicide. They don't know where to go. They don't know who to talk to. They report it to law enforcement and law enforcement basically is laughing at them because they don't understand that the victimology, a big, the musician and the psychology of a scam, it's very difficult. And it's not just online romance anymore. It is every aspect of online life. Yeah. And I know your audience is typically typically a little bit older, but I had a person the other day that they'd been scanned on a translation app. They're Vietnamese and, uh, the, uh, British, uh, businessman was coming to Vietnam and wanted to learn a couple of phrases so that he could fit in that developed into a friendship over time. And she lost money. She was a young mother, you know? Wow. Uh, words with friends. A lot of our, our audience here likes to play Scrabble games, you know, or Bible verses. There are all sorts of online platforms now. And these guys,
Roy - AGEUcational - Don’t Get Caught Up in a Romance Scam. Hear One Woman’s Story and Warning (28:55):
Even in person, I mean, you know, around here and one of the big ones is, uh, and I just saw somebody post this the other day about this guy to watch him. But, uh, it's like, uh, Hey, our company is, asphalting this road over here and we're going to have some product leftover so we can give you an awesome deal. And you know, they, they need the money up front and then you never see them again. So, you know, it can happen anywhere. So another, I mean, this is a, I have so many questions. I can't even get them out fast enough. Sorry. But, um, so why did he come clean? I mean, what was, what was the end game, as long as he had this going? Why I call it off?
Debby (29:33):
Well, I'm sure he knew that I was going to run out sooner or later, tapped out. And I mean, his story that he confessed and 99.9% of scammers are not going to confess and they are not going to come online in person. Right. His story is that he was developing feelings for me. And that may be part of the scam, but I, I felt that that might be true because you know, a little bit of our goodness has to be rubbing off on these guys has to, uh, maybe not, but in my case, I felt like it did. And he, he knew he couldn't keep it doing it. And honestly, when I asked him, I said, first of all, why are you doing it? And he, and they come up with a story about, you know, our parents, he was, um, he'd lost his parents, which may have been true.
Debby (30:22):
He was taking care of siblings, which may have been true, but the economy over there for these young boys is horrible. And so when they find something that they can make a lot of money and out of that million dollars, he might've only gotten 10,000, which was still a lot of money for me. But to him, that would be a tremendous amount of money. Right. And so he, he wanted that friendship to keep going. And it was really interesting because in my mind, I'm thinking, okay, I watch enough TV. I know what the FBI can do. I'm going to keep him engaged just so we can catch him. And when I went to the FBI and they said, well, we're sorry, unless you get them to the United States. There's nothing we can do. I just shut down, but kept in touch with him for a little while.
Debby (31:07):
And he kept in touch with me because he wanted, he said he wanted to make sure that I was going to be okay, which I thought was interesting. And I jumped back into dating. Don't ask me how in the world I could have done it. Um, and I actually met the man I remarried and that's the happy part of my story. But I married, I met my husband, uh, three months after the scam, through friends who were online, but they were matchmakers. But when I told Eric or Joseph, whatever his name was that I had met my husband and, or my, at the time of men, I was starting to date. And that I really thought it was going to go somewhere because he was local. He was geographically desirable. That's when Eric came on and said, Deb, I I'm, I'm happy that, that you're safe. He goes, I will try to get the money part of the money back to not holding my breath on that. He goes, but this is probably the last time you'll hear from me. This was like in January and he disconnected
Roy - AGEUcational - Don’t Get Caught Up in a Romance Scam. Hear One Woman’s Story and Warning (32:09):
And that's such a different environment. I'm not making excuses for them, but like, you know, they, if they're good at what they do, they can't just quit and walk away. I mean, in those environments over there, they will disappear and, you know, more than likely be, be killed or their family will be hurt too. So, uh, I'm just very surprised that, that he came on and made that admission, you know, in regards for his safety as well.
Debby (32:35):
So Lauren and honestly, it's, for me, it was the best thing he have ever done because if he had just dropped off the internet, I would have thought he'd died. Right. And then I would have felt like, I felt when I got that call from my son about my husband dying. But at this point I had given all my savings away and I felt, Oh, I would have felt awful. Yeah. So it gave me closure. And it's really interesting because I used that picture when I, when I'm talking with women that have not had that experience that have the guys who just dropped off the face of the earth, I'm like, look at this picture. This is the picture of who's been taking advantage of you. Right. And so I'm really grateful that you did that. Will that picture get him caught? I don't know. And that's not my mission. Right. His picture certainly been around the world. Yeah.
Roy - AGEUcational - Don’t Get Caught Up in a Romance Scam. Hear One Woman’s Story and Warning (33:21):
You know, like even, uh, we were talking to my mom about this interview and she was saying that she, uh, you know, I'm not going to give away her age. She's older than me obviously. But, uh, you know, she said even some of her friends at church had been through the same thing, not to your extent, but, you know, it's, uh, it happens everywhere to everybody. And I'm sure that we all know somebody that this is, uh, this is afflicted. So let's just talk for a minute, looking back, say, um, you know, what are some red flags that it's easy for you to tell now, you know, just to kind of give others that warning, uh, you know, things that they should be conscious for to, uh, you know, maybe help them avoid this.
Debby (34:06):
Sure. Absolutely. And again, it's not just dating sites because I haven't, I've heard a lot of people go, Oh, it's never going to happen to me. Never going to happen to me. It's happening on every gaming site, social media sites. So watch out for, uh, Google Hangouts. If they're moving you to a Google hangout, that is sorry, Google, but it is full of scammers. If they're requesting a Facebook,
Roy - AGEUcational - Don’t Get Caught Up in a Romance Scam. Hear One Woman’s Story and Warning (34:30):
I stopped. I'm sorry, can I stop you there? What is the, I guess, what is the lure? I know they want to move you off of that platform, but the Google Hangouts is not the first time I've heard. That's where they want to move people. Is there a reason for that, or just easier for them to communicate?
Debby (34:45):
It's easy for them. And again, they, you think that you're talking to all these friends. I was, um, talking with a woman the other day and she was sure that this Google hangout was a group of women and a couple of men. So in my mind, I'm seeing this whole group of scammers in one room, and she's the only one that's outside, but now she's friends with everybody.
Roy - AGEUcational - Don’t Get Caught Up in a Romance Scam. Hear One Woman’s Story and Warning (35:08):
Okay. Now see. So they're probably all sitting next to each other in a call center somewhere. And that way, I guess they can work her from, uh, from different angles, like, Oh, he's such a sweet guy. You should really get with him. Or, you know, something like, Hey,
Debby (35:23):
More account information happening on Yahoo check. Cause I was getting a hold of his sister, asking his sister about him, trying to validate who he was now. They're feeding me all this stuff. They wouldn't be here. But Google Hangouts, WhatsApp. WhatsApp is the all phone that they'll try to get you on WhatsApp. Now I, I have a team in India that I work with for my company. And we communicate via WhatsApp. Be careful. You don't want to be out there to everybody on WhatsApp. Be specific in who you're dealing with, uh, on Facebook, people that are trying to become your Facebook friend. Be careful if it looks too good, it's too good. If it's a military guy, it's definitely a scam. If it's a really good looking, man, always do a reverse search, a picture search to see if you can find out if that picture, those pictures have been stolen for the most part.
Debby (36:09):
Yeah. But here's there. They get really clever, especially with women's groups, they friend one person. And then now they're mutual friends. So Terry and I are in his group. You come in and you see that, she's your friend. I see that you're friends. So I would friend you thinking I trust her. She must have trust him. That must be a safe bet. Always be careful, check, check to see what their, what their friends look like. Um, and so on, on our side, clamp down your privacy settings, don't let people see your friends. Don't let them see your, you know, don't let people outside of the, in the public, see your pictures, don't put your grandkids up there. And at first I really, I had a hard time with this because I love my grandkids. But when I realized that they're taking pictures, I can get pictures off in your profile on Facebook and I can use them. And I do for my show, but my grandkids, I'm sure that the pictures that Eric sent me of his sister and his and his sister and said, those were just stolen pictures. That little boy belongs to somebody, but not him.
Roy - AGEUcational - Don’t Get Caught Up in a Romance Scam. Hear One Woman’s Story and Warning (37:17):
Yeah. And I think the other thing that I it's, it's been a while, but the, the context or the, uh, Senate structure and I'm from Texas. So my English is very poor, but, uh, you know, it's like if I can pick it out then, but that's something that a lot of times that, you know, I guess they're the non polished ones, but you know, I used to get the emails like, hello. Uh, I am S uh, you know, like my, I am Karen by name, or, you know, it's just weird stuff written in, or like, uh, you know, not long ago, there was one that's like, hi, I'm, uh, uh, Karen, I am from the United States of America, but I'm stationed in Europe or something. It's just like, kind of broken English. Yeah. Yeah.
Debby (38:05):
So some of them are, are telltales like that, but honestly, they are very good at what they do. Yeah. And it's not as apparent as you think. I mean, I look back and, and I did get that very first thing you can call me Eric Cole, which I remember saying that was an odd way of saying my name is, but because he was from England, he came back and said, well, that's lingua franca. And, you know, that's the way we speak. And so I was like, what is kind of it justifies it, but he was very good. And, and I'm, I'm a real animal person, as far as spelling. And that kind of thing. I am not, his English was excellent. So it's not the Nigerian Prince who can't say right. These are very well-trained and they've got playbooks and they use the same stories. They just changed the characters.
Debby (38:57):
And, uh, because I have women say when I actually wrote a book called the woman behind the smile and I'll have women read it. And they're like, wow, that was my story. But the name was changed or someone, um, interesting. You guys are in, in Texas, there was a big business, email compromise, Roundup of scammers in Dallas and two women that I know, um, their romance scammers got pulled in with that group, which was a little bit good for them. Right. Um, but typically they're not here in the United States, right. Those girls said to me, you know, whatever, in my story, there was a courier and he was bringing money in and they were, you know, we were, we had to pay a lot of, a lot of, I had to pay a lot to get it through customs, but I don't want anybody to hear that story. And I'm thinking, well, that happened to me. And she said, why didn't you talk about that? I'm like, because it happened at the end of the scam and for me, the reveal and all that, the forgiveness that, that trumped the story about this, about the box, but I'm thinking, Oh my gosh, they, they do talk about the same things where they use the same, the same ideas, but because the victims will talk about it. We don't know what they're saying. Right.
Speaker 4 (40:10):
Exactly. No, there's so much shame behind. I mean, they just feel ashamed that, Oh my gosh, somebody pulled this over on me.
Debby (40:18):
You're ashamed because you're, well-trained, you're financially well off. You're just really good hearted men and women, and think that it should never have happened, but it happens to every, every one of us get scammed at some point in our life. Right. Maybe not to the extent that I did, but, you know, if you just scanned out of $250, that's $250 too much. Right. So the sad part is the, our grandparents' age, you know, between 80 and or 75 and 85. Yeah. They're losing their life savings and they don't have a chance to ever get that back. Yeah. They can't. And I had, I I'm talking with a woman now that she's divorced, 15 years has no family brother. Um, and she was 700,000 in the hole and I don't know what to do. I, you know, the IRS is going to come down on me and that's when I have to get my resources together. Cause I'm not, I'm not a therapist. I'm not an attorney. I do have resources out there that I can get this woman in touch with. But the, the shame of it all, she goes, I I'll never find light at the end of this tunnel. Right. And she walked, if she stays home alone, she doesn't talk about it. You
Speaker 4 (41:31):
Know? And the other thing I want to bring it's, uh, it's a little bit different
Roy - AGEUcational - Don’t Get Caught Up in a Romance Scam. Hear One Woman’s Story and Warning (41:34):
Of a scam, but also emails. I just always tell my mom, if you get an email, even if it's a company that you use or your bank, and they want you to log in, never log in through the link that they provide or call them on the phone to say, I got this email, get somebody to walk you through it because you know, these fishing expeditions that they go on. I mean, it's just, uh, you know, I'm bombarded by them every day. I probably get five or 10 every day. My Netflix is going to be frozen. My Amazon account's going to be frozen. You know, Terry got one the other day that said, uh, thanks for your purchase of 500 something, dollar TV or some, you know, it was this huge number that makes you go, wow, I didn't do that. So the first thing you want to do is log in, you know, through their site right there and try to take care of this.
Roy - AGEUcational - Don’t Get Caught Up in a Romance Scam. Hear One Woman’s Story and Warning (42:30):
And so, uh, just another warning. It's like, it's, uh, we're being bombarded and the older, I think the older we get, the more vulnerable we are because we don't really know. And then there's that pressure to hurry. And that's what it always it's, uh, there's always that urgency that we've got to do this. If you don't take advantage of this awesome deal, you gotta do it right. This moment, kind of like the asphalt scammers, you know, they're standing right in front of you saying, you know, this is your last chance you're gonna miss out. Sometimes we just, in order my personal opinion, sometimes we have to miss out on those good deals just to make sure that it, it really was a good deal.
Debby (43:10):
Right? Well, I heard one time and this resonates too, is when your grandmother used to say, just sleep on it. Yes. Put some time that shiny object, if it's really true, it'll be shiny tomorrow. If not, then step away. And my father has gotten five calls from Amazon the last week, about $759. Something that that's why mine was no. I said, Amazon doesn't call you. I've been trying to deal with them with my seller account. I can't get anybody to call me. So not real, but it's tough. My mom gets caught on the Senate all the time. They'll use a local area code and she'll think that somebody nearby is calling. I'm like, don't answer it. If it's someone that needs to talk to you, they'll leave a message.
Roy - AGEUcational - Don’t Get Caught Up in a Romance Scam. Hear One Woman’s Story and Warning (43:54):
Yeah. And that's a good advice too, because these guys have gotten smart and they will, uh, they'll make their phone call from, uh, the same area code or one that's close to where you live. But what, uh, you know, it's like I tell my parents is that just let it go to voicemail. It's not going to hurt no use picking it up because you don't know who it is. If they're not in your, uh, contact list where it comes up, that, Hey, it's, so-and-so calling. Just let it go. It's no urgency. I can answer it right now.
Debby (44:23):
We feel the urgency to answer the phone, you know, on the first thing I wrote, I wrote about it this morning, it's called FOMO, FOMO, fear of missing out.
Terry - AGEUcational (44:33):
That's true.
Debby (44:35):
We want it. We don't want to miss out. And our parents, for instance, they don't want to miss a doctor's office call. Right? I'm like, don't leave a message. You know, you hear them then pick it up.
Terry - AGEUcational (44:47):
Yeah. And there are so many. So now I just wanted to mention the national council on aging had the top 10 scams targeting seniors. So I wanted to just kind of go through a couple of those, throw them out there. Medicare is now listed as number one, counterfeit, prescription drugs, funerals, anti-aging products, telephones, internet investments, mortgages, sweepstakes, and lottery. And the grandparents scam. Now that one, well, all of them are bad, but the grandparents scam where they, somebody will call you and say that they're your grandchild and that they need money for something. They either they've been in an accident and they need money to pay their hospital bills or they got arrested and they need to get out. And don't tell any of, don't tell my parents, you know, they'll say they'll call and say, Oh, Hey, do you know who this is? And then they'll the grandparent will be like, Oh yeah, this is Stacy. You know, hi, how you doing? I'm so glad to hear from you. That's their granddaughter that's
Roy - AGEUcational - Don’t Get Caught Up in a Romance Scam. Hear One Woman’s Story and Warning (45:56):
Well, this, this happened to mom actually. And just so happened. My daughter was sitting right next to her when this person called and said, Hey, I'm, you know, I'm traveling abroad. And uh, you know, we're stuck without money. And she's like, well, I'm sitting right here next to or something. I know. I mean, but again, sometimes it's, it's an accident they're fixing to be in trouble. You know, they try to build that urgency in. And then, uh, the Medicare, the Medicare and the IRS, I think those are a couple of phone calls that I've gotten lately. Uh, you know, this is the IRS. And if you don't re respond to this immediately, then we are. And it's funny because they said, uh, the English w we, we will send the coppers out to, to pick you up or something.
Debby (46:44):
Yeah. The IRS scan actually originated out of India, which makes sense that they would say that. Uh, but it, they, the IRS doesn't call you ever. Right. And, but they, they make it so urgent and it scares people because nobody wants the IRS I'm in. Yeah.
Roy - AGEUcational - Don’t Get Caught Up in a Romance Scam. Hear One Woman’s Story and Warning (47:02):
Or lose your social security benefits. If that's all that you live on, you know, they feel like, well, I can't take a chance that this is true. And so anyway, it's just, there's so much out there. Yeah.
Debby (47:14):
The other thing they'll do is they'll say, go to Walmart and get gift cards or go to Publix and do, you know, Western union. But gift cards is the biggest red flag today, because all you need to do is give them the number on the back and they've got cash and they can run away and never get caught. So anybody asking you for gift cards? Absolutely. No money. Absolutely. No. Yeah, yeah, yeah.
Roy - AGEUcational - Don’t Get Caught Up in a Romance Scam. Hear One Woman’s Story and Warning (47:38):
Um, all right, Debbie. Well, Terry, you have anything else? Okay.
Debby (47:41):
I mean, we could go on and on. This is just ever, never ending. Yeah. I want it. So you are, um, a member of society of citizens against romance scams. Is that right? Relationship scams. Yeah. The acronym for scars. For scars. Okay. And it's an international, it's an international nonprofit that works specifically with victims, worldwide of relationship fraud. Okay. And you can, yeah. That is an excellent organization. Um, we've got information for family members on how to do an intervention. We've got every kind of story, uh, of information about the different scams that are out there. We can report it. You can report to any, again, scam.org. We are working with it with the FBI, with department of justice, with Homeland security and with victim, we are doing some support groups on Facebook. And I want people to be careful because a lot of times when you've been scammed, he goes, searching on websites first for scammers. And there are many of them are run by scammers investigative services by scammers. I never would have even thought of that. Yeah, it's unbelievable. They bought a lock on this, on it. So go to a reputable organization. And stars is one of the only if not the only victim associated organization, nonprofit organization in the United States.
Roy - AGEUcational - Don’t Get Caught Up in a Romance Scam. Hear One Woman’s Story and Warning (49:09):
And is that what's their website,
Debby (49:12):
It's romance scams now.com. And you can also my website, which is the woman behind the smile.com. I do have, uh, links over to, to that. And we talk about it all the time, not just my story, but every kind of scam that's out there. And it's important and I'm being interviewed tomorrow, but actually, but a media source that says, well, with all of us talking about it, why are people being taken? The problem is not, all of us are talking about it. That's the key, the victims, the victims, certainly aren't speaking up and we need people to report because the governments won't know how bad this is, unless we talk about it. And a lot of it is embarrassing.
Roy - AGEUcational - Don’t Get Caught Up in a Romance Scam. Hear One Woman’s Story and Warning (49:54):
A lot of the victims too are isolated. And so it's, it's sometimes it's just the attention that they get is what really sparks them. But it's, you know, they're not, unfortunately they're not listening to our shows or reading this material. So they, uh, they just, yeah, it's just, I think it's more everybody talking about it more and keep getting it out there and try to reach in. And it's the conversations that we should have with our loved ones, with our parents, with our kids. I mean, it's, you shouldn't have it with everybody because they're targeting everybody. I mean, this show, we definitely reach out to the aging, but, uh, they're out there looking for anybody.
Debby (50:35):
And the hard part too is, uh, w well, one woman I was working with the other day she's by herself. And if you can imagine the scammer occupied half of her day, right? Well, now she doesn't have that. So how does she fill up that time? And she's anxious and depressed. And she's like, I can't walk. So I can't exercise. And I'm thinking, what can she do? That's positive to change what she was doing before. Right. And it's tough. And, you know, she's writing to me and, and I can't do it all by myself, but I, I am sending her back things. We need that support group. We need friends to listen and really hear what we're saying, because we'll never a victim. I'll never tell somebody she sent money. Right. Is that she might have a friend out there, not this new friend. And he makes me happy thinking thing. Yeah.
Roy - AGEUcational - Don’t Get Caught Up in a Romance Scam. Hear One Woman’s Story and Warning (51:22):
What about the, what about volunteering for do y'all take volunteers. People can sign up to help to talk with other people
Debby (51:31):
We do on scars. Typically our volunteers have been scammed victims themselves because it's a different kind of trauma it's it's cuts. That's why you can't really walk into a police department and explain to them because they don't get it. Yeah. It's not a victimless. It's not a victimless crime, because what happened now is you, you, you have families that are falling apart. You have the person that's falling apart, but to understand how you could be taken like that, uh, it happens when you've had a great loss. It could be a death, it could be a divorce, you know, you had that perfect storm. And, and typically I would not be taken. And if it could happen, I say, if it can happen to me and I was well-trained, it could happen to anybody. Yeah. It's just, it's your heart gets hijacked. And so, yeah,
Roy - AGEUcational - Don’t Get Caught Up in a Romance Scam. Hear One Woman’s Story and Warning (52:24):
You know, that's another thing that these guys will do is they will comb through obituaries looking for in it's it's a little bit more difficult that they're not in a paper, but I guarantee, I know a guy that, uh, used to be in the financial services business, you know, back in the seventies and eighties, that's what he did. He would come the obituaries in the paper every morning, find a woman whose kids lived out of state. And then he would call her and say, Debbie, I'm sorry for your loss. Uh, me and you know, me and Herbert were talking, uh, this last couple of weeks and we were just fixing to sign all these papers to, you know, move your money. Now he wasn't stealing the money, but he was basically running the scam in order to get the accounts where he can manage the money and make, you know, make commissions off of it. But I mean that they will find this information about how they will seek out these vulnerable issues that people have. And, you know, loss is a good one for them to go for. They do
Debby (53:26):
Check that out because after my, my husband died in April and when I filed taxes, the next year, someone else had already filed the tax return on him. And the check had been sent to an address in Fort Lauderdale. So I couldn't file a line after that for a long time, because now my account had been flagged and I'm thinking, well, shoot, you know, that's not right. Yeah. Wow. It's amazing. If there's a way they're going to find it and they're very good at it and they'll exploit it. And if, if they could do for good, what they do for bad, they'd be phenomenal nominal salesman.
Roy - AGEUcational - Don’t Get Caught Up in a Romance Scam. Hear One Woman’s Story and Warning (54:04):
Well, thank you so much. I know we are way over on time, but I appreciate, uh, we appreciate this so much. It's a lot of great information and just, uh, you know, keep up the good work. Tell us one more time. Uh, if somebody wants to reach out and get ahold of your book, uh, tell us how we can do that.
Debby (54:21):
I would go to thewomanbehindthesmile.com. If someone has been a victim, please have them email me. It's Debbie, [email protected]. I do return emails, and I will try to get you the resources and go to romance scams now.com, which is the stars organization, uh, or to report it, go to ic3.gov, which is the FBI site and against scams.org.
Roy - AGEUcational - Don’t Get Caught Up in a Romance Scam. Hear One Woman’s Story and Warning (54:52):
Okay, great. Well, thank you so much. Keep up the good work and let's get as many people, uh, let's get the word out to as many people as we possibly can. We're so glad you're sharing your story. It's a great thing. Yeah. And I'm glad it sounds like you've made a good recovery and hope that you're very happy in your current relationship. So that's good. I guess the, the, you know, the reality is people don't bounce back and I hate to just keep on going, but the people don't bounce back, uh, seniors, uh, you know, sometimes lose their homes and they're homeless and have to go live with a child or, uh, sometimes even on the street. So there's a lot of ramifications that go along with this, but thank you so much. We appreciate it. That's going to do it for another episode of ageucational.
Roy - AGEUcational - Don’t Get Caught Up in a Romance Scam. Hear One Woman’s Story and Warning (55:36):
Of course I am Roy. You can find us at www. ageucational.com, where we are also on all the major social media platforms, as well as all the podcast platforms, iTunes, Google, Stitcher, Spotify. If we're not on one that you use, please let us know. We'll be glad to, um, get that added. Also, if you're a professional in the aging services, targeting caregivers, the aging health, uh, if you have a good story like Debbie does that, we need to get out to others. Please let us know. We'd be glad to try to get you to on one of our future episodes until next time y'all take care of yourself and take care of each other. Thank you. Thanks Debby. Thanks. You guys appreciate it.
www.thewomanbehindthesmile.com
www.ageucational.com