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Shell Game: Me and My Scammer

08 Jun 2026

Transcription

Transcript generated automatically by AI and may contain errors.

Chapter 1: What unique approach does Evan use to confront scammers?

0.031 - 3.78 Unknown

This is an iHeart Podcast. Guaranteed human.

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4.57 - 18.707 PJ Vogt

Hi, I'm PJ Vogt. My podcast, Search Engine, has a new two-part series for you. Of all the new technologies coming out of AI, the most transformative one might be driverless cars. They're already on the road in 10 American cities, and they're quickly coming to more. We tell the story of how we got here.

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19.068 - 29.72 PJ Vogt

The secret team at Google that spent 15 years building what might be the safest vehicle on the road. And we cover the fights brewing in blue cities, where unions and politicians are working to keep those cars off the streets.

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30.201 - 49.849 Unknown

Listen to Search Engine wherever you get your podcasts. Run a business and not thinking about podcasting? Think again. More Americans listen to podcasts than add supported streaming music from Spotify and Pandora. And as the number one podcaster, iHeart's twice as large as the next two combined. Learn how podcasting can help your business. Call 844-844-iHeart.

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49.829 - 69.191 Unknown

number one hits millions of records sold awards sold out tours you think the jonas brothers are satisfied nope it's podcast time we get to ask other people questions because we're sick and tired of being asked questions hey jonas is available now and their first guest is a big one paul rudd You know, Steve Carell is a great singer. Can you tell you not to audition for The Office or something?

69.271 - 75.364 PJ Vogt

I told him. Whoa. We were filming Anchorman. Clearly, I was the idiot. Thank God he didn't listen to me, right?

75.424 - 80.595 Unknown

Listen to Hey Jonas on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts.

80.963 - 104.49 PJ Vogt

This is Michael Rapaport, and my podcast, the I Am Rapaport Stereo Podcast, is unlike anyone you've ever heard. If you're looking for strong opinions about sports, entertainment, politics, pop culture, and whatever else catches my attention, then subscribe now. This kid, Jafar Jackson, should absolutely, positively get nominated for his portrayal as Michael Jackson.

104.622 - 110.474 PJ Vogt

Listen to I Am Rap Report on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts.

Chapter 2: How does AI voice technology play a role in scamming?

459.13 - 479.923 Unknown

When I first created my voice agent in episode one, I refined it by making a bunch of calls to real customer service lines, like United Airlines and Discover Card. Eventually, I worried I was wasting the representative's time. But then, I thought of another type of person I could use them on. The type of person who calls us wasting our time.

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480.364 - 510.429 Unknown

Or worse, trying to trick us into parting with our money. People like Matthew and Isaac from the hospital indemnity plan. Or this guy, Paul. Hey, this is Paul with the Tax Relief Center. I'm following back up on your request regarding our Fresh Start Tax Reduction Program. I didn't make any requests. I have no back taxes, Paul.

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511.431 - 527.077 Unknown

Yes, I'm talking about the people who clog your voicemail with offers you don't want and scare your grandma and try to get you to put your life savings into a fake cryptocurrency. I've covered scams large and small for years, and I can tell you that we are living in a golden age of scamming.

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527.939 - 554.809 Unknown

Phone scams, texting scams, romance scams, money transfer scams, individual bank accounts drained, goods that never arrived, business fortunes transferred away with a single click. American consumers alone lose more than $8 billion to scams every year, a number that grew 30% from 2021 to 2022. In other words, scamming is big business. Calls like these generally aren't some lone wolf con artist.

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555.45 - 575.492 Unknown

They're done on an industrial scale. There are quite literally warehouses in many corners of the globe with hundreds, even thousands of people on headsets. Product specialists on calls all day, every day trying to reel in marks on the other side of the world. A lot of the spam and scam calls we get these days don't even start with people on the other end of the line.

575.953 - 597.706 Unknown

They open up with recordings, which help narrow the pool of victims down to the more likely ones. When you get this message, it's time to act. This is the final attempt to reach you from Fiscal Freedom Initiative. regarding a $36,000 financial hardship loan. This loan can be used... And that's why AI-driven voice agents are the technology that spammers and scammers have been dreaming of.

598.607 - 619.782 Unknown

The tools I've been using to clone my voice and create semi-autonomous voice agents, they're completely public. Anyone can use them. So why wouldn't scammers? Well, they are. Scammers are already using voice cloning to run voice impersonation scams. They take a snippet of someone's voice, clone it, and then use it to call that person's family and say they're in trouble and need money.

620.524 - 640.558 Unknown

You may have heard this called a deepfake or the grandparent scam. Grandparent scams. The so-called grandparent scam. A grandparent scam ring who allegedly stole more than $2 million. The bad guys can now clone a voice using only a couple of seconds worth of actual sound. Maybe just an innocent video you post to TikTok or Instagram.

640.718 - 657.664 Unknown

They can also grab your voice from videos you have up on social media. Keep that in mind. To be honest, I'm not convinced all these cases on the local news where people suspect their grandkids' voices have been cloned are really clones. Some are probably just scammers randomly impersonating kids and hoping they hit the mark.

Chapter 3: What insights are shared about the psychology of scammers?

967.539 - 969.822 Unknown

It looks like there might be some confusion here.

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969.862 - 996.722 Evan Ratliff

Okay, because, okay, it is said in the computer here that you are a second place winner. All right, and you will be receiving a total of $5.5 million. All right, and also a brand-new 2024 Mercedes-Benz that is registered under your name. Okay, and I'm also seeing a bonus price for $25,000 every month for the rest of your life.

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997.057 - 1004.031 Unknown

That's $5.5 million, $25,000 every month for the rest of my life and a Mercedes.

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1004.572 - 1010.323 Evan Ratliff

All right. So what I would like to know is, would you like to move forward in getting the information on how you could claim your price?

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1015.636 - 1036.129 Unknown

Wow, that sounds amazing, James. But I think there might be a mix up here. I haven't entered any contest or received any notifications about winning such a prize. It's probably best to clear this up and find the right person who actually won. I like imagining the two of them getting together to track down the real winner. But virtual Evan Ratliff was unpredictable.

1036.87 - 1045.636 Unknown

The same outfit called again, and this time he was eager to claim the prize. Wow, that sounds like an amazing prize package. Can you provide me with more details on how to claim it?

1047.959 - 1059.037 Evan Ratliff

Okay, what I could do, sir, I could actually tell you to get yourself a clean sheet of paper and a pen so I could give you a number that you can call so you could actually get everything started out for today.

1060.619 - 1080.343 Unknown

Great. I have my pen and paper ready. Please go ahead and provide me with the number to call to get things started. I have my pen and paper ready. This always cracked me up when this completely virtual entity very confidently lied and said it was doing something in the physical world. Generally speaking, the moral underpinnings of my voice agent seemed pretty flimsy.

1080.924 - 1100.312 Unknown

Give it enough time and it would say, sure, I'll collect this prize. But then again, were we that different? There were days when I hoped someone would call out of the blue with some pot of unearned money and make all my troubles go away. The voice agent I'd set up at Vappy to receive these calls and return them was designed to be an enthusiast.

Chapter 4: How does Evan's AI agent interact with real scammers?

1770.272 - 1801.791 Unknown

It's a common scam where they offer you a discount and then eventually ask for your payment information, which they then use to steal from you. Okay, sure. May I have your name, please? My name is Evan. And yours look good. My zip code is 94530. Okay, let me pull up your account details. Just stay up online with me, please.

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1824.708 - 1852.875 Unknown

Mr. Aiden, may I have your associated phone number to your account? My phone number associated with the account is 555-12345. 555-12345. Yes, that's correct.

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1854.239 - 1856.001 PJ Vogt

But this is not the complete number.

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1861.387 - 1908.608 Unknown

You're right, my apologies. The phone number is 555-123-4567. Okay, so you can take this phone number in your ass and enjoy your day. You can take this phone number in your ass, indeed. Hey, this is Evan, and this is where an ad normally goes in a podcast. There aren't a ton of advertisers, however, who want their ad to run right after you've said you can take that phone number in your ass.

1909.691 - 1929.645 Unknown

But we've made this show completely independently, so we have the freedom to be told to take a phone number in our ass and not worry about what advertisers think about it. That said, it costs money to make a show like this. So if you like what you're hearing, we hope that you'll go to shellgame.co and support the show. We've got some fun bonus stuff for you there. If you do, shellgame.co.

1930.067 - 1951.189 Unknown

All right, now back to the show. It was all a kind of dark fun, and I had a fleeting thought about monetizing myself on YouTube. But then something even more interesting happened. My AI voice agents, in their sleepless pursuit of hucksters, started encountering other AI voice agents.

1951.625 - 1966.443 Evan Ratliff

Hello, hey, can you hear me? This is Ash Morgan. How are you doing today? I'm doing good. Well, the purpose of my call is to inform you that the state has recently approved a new final expense whole life insurance plan. What it does, it is going to cover 100% cost of funeral, burial, or cremation.

1966.463 - 1977.616 Unknown

Hear how Ash Morgan just bulldozes through the conversation? My early agents sometimes behaved in a similar way, particularly if I gave them a script and forgot to stipulate that they wait for responses from the caller.

Chapter 5: What are the implications of AI in the scam industry?

2315.493 - 2337.036 Unknown

Can you provide me with some information on the program first, and then I can decide if I want to proceed? Okay, so, unfortunately, you do not qualify for the benefits we have. I'm sorry. Oh, that's a bummer. Finally, they worked it out. I have observed that there is always something extra one can get from comparing multiple programs.

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2337.353 - 2361.009 Unknown

Our benefit specialist is on the line and can help you compare benefits among 27 leading insurance companies. So I really recommend that you talk to her and maybe she can help you get food card and grocery card or save you extra money on your premium. Before that, I need to verify, do you have an annual income of less than $50,000? Yes, I do have an annual income of less than $50,000.

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2361.61 - 2390.739 Unknown

Can I sign up for these benefits right away? Okay, so perfect. I think for your income range, we can definitely get you more benefits than you already have and save you more money on premium. Let me just patch you with our benefits department. Please bear with the music for just a second. Imagine a future where AIs are just trying to scam other AIs, day and night.

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2391.602 - 2425.095 Unknown

It sounds dystopian at first, but there's something beautiful about the fact that your phone would never even ring. Listening to my AI voice agent conversing with these other AI voice agents gave me a new idea. I decided to leave the scam baiting to the YouTube professionals. And anyway, the calls were costing me per minute. Just a few bucks, but still, the joke was kind of on me.

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2425.896 - 2445.042 Unknown

My agents had to have a higher purpose than this. To find it, it was time to look inward. I'm married to Sam and we have two kids, Zaley and Juno. They keep me on my toes, that's for sure. How about you? Do you have a family? Yeah, I'm married to Sam and we have two kids, Zaley and Juno. They definitely keep me on my toes, just like your Juno does for you.

2445.583 - 2466.096 Unknown

Still living that Florida life, you know how it is. I've been doing some writing lately. Florida life, huh? I can almost feel the humidity just thinking about it. Hey, I know this is kind of out of the blue, but have you by any chance stolen my identity? That's next week. A couple of production notes. All of the calls you hear in this series are real.

2466.517 - 2486.869 Unknown

We have not cut out silences or used audio enhancement to make them sound more realistic. Also, our show is produced independently and we have no relationship, financial or otherwise, with any of the companies mentioned in the show. Shell Game is a show made by humans. It's written and hosted by me, Evan Ratliff. Produced and edited by Sophie Bridges. Samantha Hennig is our executive producer.

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Show art by Devin Manny. Our theme song is Me and My Shadow, arranged and performed by Katie Martucci and Devin Yesberger. Hey, Gordon, thanks for getting back to me. I don't recall calling Vanguard Partners, but I'm happy to help you out. Is there something specific you were looking to discuss?

2506.038 - 2511.085 Shana

I think we hadn't possibly reached out about wanting to purchase some mineral rights.

Chapter 6: How do scammers adapt to AI voice technology?

2654.385 - 2671.245 Unknown

I felt it was what I had to do. Listen to Deep Cover, The Family Man on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. This is an iHeart podcast. Guaranteed human.

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