 They were the only ones offering her any hope that she'd be able to get her money back. There was always still a part of me that was thinking, like, maybe it's still, like, maybe it's still real. And that maybe I just need to, like, kind of, like, hedge my bets. Frances's call with the scammers starts around midday. She talks to David Smith for a little bit, and then the supposed FBI agent joins the call.