Jody and her husband love to travel, and they love to save up credit card reward points to make their family vacations more affordable. When they start getting notifications that some of their points have been redeemed without their permission, they are led on a monthslong ordeal to secure their accounts from criminals who are turning those hard-earned points into cash.

The pandemic is tough for Victor’s small business, but the loan he receives from the Paycheck Protection Program is a lifeline. Years later, he receives a call from someone claiming to be from the sheriff’s office. The caller says Victor's loan application has been flagged as fraudulent and he must pay the money back right away or face arrest. Victor doesn’t realize that his loan information is public and easily accessible to scammers, who use it to their advantage.

Lorraine is grieving her father when she receives a letter claiming to be from Florida Power & Light notifying her to contact them. A kind "operator" named Anna walks her through the process of switching the account from her father to setting up a new one in her name and paying a deposit. A few weeks later, a notice from the real Florida Power & Light arrives in Lorraine’s mailbox and she realizes Anna wasn’t who she said she was. The criminals have gotten away with the $300 deposit, and the information they have stolen is much more valuable.