Eunice, a busy mom of four, discovers what appears to be the perfect work-from-home job opportunity with flexible hours and the chance to make some extra income for her family. She must make a small initial investment, but soon the job is paying off. Her husband, Daniel, researches the company and is convinced enough to join as well. Excited by their success and believing they're getting in on the ground floor of a growing venture, the couple encourages dozens of friends and family members to sign up. When the company website suddenly disappears along with the group's investment of nearly half a million dollars, they realize they are caught up in an elaborate fraud scheme.

Linda Coble is retired from a storied career as Hawaii's first female news anchor, but she stays active in her community through charity work. So when she receives a phone call informing her that she has won a $5 million prize from Publishers Clearing House, she immediately starts dreaming of the good she can do with the money. Coble is told she must make tax payments in order to release the prize, but as the fees add up, she begins to worry that it is all a scam. An employee at her bank confirms her suspicions. With $60,000 of her savings gone and her whole life changed in a matter of weeks, Coble returns to the airwaves to tell her story.

After a long day as a school bus driver, Nate checks his voicemail and finds a message from "AT&T" offering a discounted rate and a new phone. He has been a loyal customer and is looking for ways to lower his expenses, so he calls them back. The agent already knows all of Nate's information and walks him through the process of picking out his new phone on the AT&T app. When the phone arrives, Nate calls back to set it up, but there is a problem: The phone's serial number doesn't match, and he'll have to send it back. They send him a prepaid shipping label and tell him to pick out a new iPad and phone for his troubles. When the new items arrive, and again there is a problem, Nate becomes suspicious that he is entangled in a reshipping fraud scheme.