The VRBO scammers strike again! But can I help?

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By Christopher Elliott

When I read Grace Lou’s email, I couldn’t believe it. I thought this problem had already been fixed. I believed I would never see another case like this again. But there it was, staring me in the face.

Lou says she’d lost $13,850 to a VRBO phishing scam.

Lou tried to resolve this with VRBO, but hit a dead end. She wants me to help her pursue this with UK banking regulators, which for me is uncharted territory. I’m willing to try, but I could use some help from you.

Let’s go straight to the tape, which I’ve edited for the sake of brevity.

Lou: I am interested in your home in Aspen. We are a group of three families, with 12 adults and two children. Thank you for the information in advance.

Bogus owner: As you know, the price per night for the selected property is of USD1,550. There is an additional deposit of USD3,000, which will be 100 percent refundable in maximum 48 hours after the check-out.

So, if you decide to rent it for the 7 nights, you will have to pay USD13,850 (with USD3,000 being refundable).

A deceptive booking process

About the payment now. Like every other transaction, the payment will be made in full in advance. The money will stay into one of safety accounts. The funds will be released to the property’s owners only after you will confirm the check-in on the December 19th, 2015. While the amount exceeds USD10,000, we will not be able to use credit/debit card as payment option. In order to avoid mixed bookings or even duplicate payment requests, please do not attempt to make any other booking requests. From here we will arrange everything for you, so you can benefit from a quick and safe reservation process. makes it fast and easy to compare and buy travel insurance online from top-rated providers. Our unbiased comparison engine allows travelers to read reviews, compare pricing and benefits and buy the right policy with a price guarantee, every time. Compare and buy travel insurance now at

Lou: Attached you will find the contract signed and a copy from the bank for the wire transfer from First Reliance. They said because it is an international wire transfer, the funds could take up to three days to be received.

Bogus owner: Thank you for confirming the payment. As soon as our bank will confirm it as well, we will send you the booking approval. (Related: She left her “unsafe” Vrbo rental. Can she get her money back?)

What follows is a series of heartbreaking emails. Lou doesn’t hear back from the scammers, of course, so she tries to stop payment on the wire transfer. That doesn’t work. She tries to contact VRBO, but it can’t help her either.

Lou believes both VRBO and her bank share the blame for what happened.

“VRBO didn’t vet their site for legitimate owners,” she says. “They do not confirm people who put their homes on the site. They had no credit card on file for this scammer.”

How hard can it be to pull this ruse, she wonders. “Just steal pictures of a home for sale, in an exclusive area, put it for rent on VRBO, and then collect funds. No risk,” she says. (Related: No sense of ownership in home rental phishing scams.)

The battle for reclaiming lost funds from the scammers

This is an interesting twist on the old phishing scam. Lou alleges that the scammers aren’t even trying to hack a legitimate account, but are setting up fake accounts on the site to lure in prospective guests. But Lou’s money is already gone, and she is filing a claim with VRBO, which may pay her up to $1,000 of her lost funds. At any rate, she doesn’t want me to pursue VRBO — at least not yet. (Here’s how to fix your own consumer problems.)

Rather, she wants me to ask her bank for help. And if it can’t help, she’d like me to pressure banking regulators in the UK, where the scammers apparently reside, to reverse the charges. I have to admit, this is a little above my paygrade, but I’m not afraid to try. (By the way, if there’s anyone reading this who knows about the UK banking system, I could use a little help.)

Costly wire transfer scam

The bank that handled the wire transfer, First Reliance, “failed to protect me,” says Lou. She has already made inquiries. Apparently, there are certain safeguards in place for wire transfers of over $10,000. Those were overlooked by the bank, she alleges. *

After the incident, Lou reached someone at First Reliance and was told that, as far as the bank was concerned, the case was essentially closed. (Related: Oh no, not another VRBO phishing scam.)

“I was told immediately they knew about the case, and they were not at fault,” she says.

If I lost $13k on a fictitious vacation rental, I’d be furious. I think she’s smart to pursue her claim with VRBO, but really don’t know what the next step is with the bank or with banking regulators. Clearly, Lou needs help. But who should answer for this crime?

Who should I contact about Lou's case?

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Christopher Elliott

Christopher Elliott is the founder of Elliott Advocacy, a 501(c)(3) nonprofit organization that empowers consumers to solve their problems and helps those who can't. He's the author of numerous books on consumer advocacy and writes three nationally syndicated columns. He also publishes the Elliott Report, a news site for consumers, and Elliott Confidential, a critically acclaimed newsletter about customer service. If you have a consumer problem you can't solve, contact him directly through his advocacy website. You can also follow him on X, Facebook, and LinkedIn, or sign up for his daily newsletter.

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