'I was so afraid': Refugees falling prey to CRA scam

ArianeNtagemgwa's hands shook so violently she could barely scratch the back of the iTunes card she had just bought.

The woman on the other end of the phone waited for her to read out the number, then instructed Ntagemgwa to buy more cards.

When the Rwandanrefugee pleaded she had nearly no money left, the womanon the phone threatened her with arrest.

"I was so afraid. I just wanted to pay," Ntagemgwa recalled, patting away the tears that rolleddown her cheeks. "It was my loan from school. I paid them all the money I had."

She now knows the woman on the phone wasn't really a federal tax agent, and had no power to arrest her. At the time, however, the threat seemed real, soNtagemgwa handed over$2,700 of her student loan money, noneof which she'll ever get back.

Ntagemgwa is one of hundreds of refugees who havefallen prey to the Canada Revenue Agency (CRA) scam, an insidious form of extortion that authorities say is now targeting some of Canada's most vulnerable people.

'I must have done something'

Immigration settlement workers, lawyers and police in Ottawa say refugees and other newcomers are at a higher risk of falling for scams because they struggle with precarious immigration status, language barriers and alack of experience with Canadian law and government agencies.

The CRA scamtypically begins with a recorded message claiming thetarget is facing a lawsuit,and demanding they call back immediately or face arrest.

For many newcomers, such a phone call can be paralyzing.

"Someone who ... maybe has some fear that if they do something wrong theymight get thrown out of the country, these Ithink are the people that we're finding are often susceptible to falling victim to this scam," said Sgt. James Ritchie of the Ottawa Police Service's organized fraud unit

Scammers tend to isolate their victims by orderingthem to stay on the phone, preventing them from calling someone for help, Ritchiesaid.

Ntagemgwasaid she stayed on the phone with her scammer for up to three hoursas she ran from one store to another to buy the gift cards she demanded. It wasn't until she had no money left that she finally calledLouise Ebeltoft, themanager at Carty House,a residence for refugee women in Ottawa.

Ebeltoftsaida handful of women at the home, including Ntagemgwa, were severely shaken after receiving the calls.

"When you come to a new country and you get a phone call like that, your immediate reaction is... 'I must have done somethingI didn't realize,'" she said.

"[The scammers]prey on people like that because they don't have the information."

'I was so afraid. I paid them all the money I had'

7 years ago

Duration 0:41

Ariane Ntagemgwa is one of hundreds of refugees who have fallen prey to a scam perpetrated by people posing as federal tax agents. She handed over $2700 of her student loan money.

'There is very little we can do'

Over the past eight months, scammers claiming to represent the CRA have made off with a total of $88,330from 25Ottawa residents, according to theCanadian Anti-Fraud Centre. But the numbers only represent reported cases.

The fraudsters typically start by taking between $1,000 to $2,000 from a victim. But the extortion often doesn't end there.

"Once they get the person to pay the money ... then they will come back with a different story," Ritchie said. "We have seen people lose up to $40,000 just through different schemes."

Police say they're powerless to stop a fraud where the perpetrators are almost always based in another country.

"In the cases that we have investigated, we find that the money leaves Canada so quickly that there is very little we can do at our end," Ritchie said.

"We really are at the mercy of law enforcement agencies in [other] countries to investigate."

'Extremely devastating'

The number of newcomers affected by the scam remains unknown because many never report falling victim.

It adds stress to an already precarious situation where people are not certain about their future in Canada.- Jamie Liew, immigration lawyer

"It can be extremely devastating," immigration lawyer JamieLiewsaid. "It adds stress to an already precarious situation where people are not certain about their future in Canada."

Many of the refugees who have been scammedwere already struggling financially andbarely have enough money to meet their basic needs, she said.Some never realizethey've been scammed.

Ntagemgwasaid since she was scammed, she decided to put off nursing school until she can work to pay off her tuition.

"It's a huge amount of money for me," she said. "I can't focus on my studies, I can't focus on my job."

She wants the word to get out so other newcomers don't find themselves in the same situation.

"I just want to share my story just so others can learn."