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Michigan senior, 84, handed a courier $28K in cash after a virus pop-up turned into a fake porn threat. When the caller wanted more, police set a trap

Imagine calling a number on a virus warning, only to be told you’ve been caught with pornography on your computer and could be in legal trouble if you don’t pay up immediately.

That’s what happened to an 84-year-old Michigan resident who handed over $28,000 in cash after falling for the alleged scam.

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According to reports, a courier collected the money, but the caller continued contacting the victim and demanding more. When an additional $28,000 was requested, the victim contacted police, who worked with them to arrange a meeting on Oct. 19. This time, detectives were ready.

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Jay Pankajbhai Chavda, 23, originally from India, was arrested in connection with the alleged scheme and charged, according to the Portage Department of Public Safety.

How a fake virus warning turned into a $28,000 scam

It’s possible the pornography threat added another layer to the scam. Someone worried about being accused of a crime might be embarrassed to tell anyone what’s happening, which can leave them dealing with the caller on their own.

It began in late September, when the victim saw pop-ups warning that their computer had a virus or malware. The messages told them to call a number, and the person who answered claimed pornography and other inappropriate material had been found on the device.

According to local news reports, the caller warned the victim of possible legal consequences. A courier later collected the money.

The calls continued, and by mid-October the man had contacted the Portage Department of Public Safety. Detectives arranged another meeting for Oct. 19, when the caller was expecting a further payment. Police were waiting instead.

Chavda was arrested and charged with larceny by false pretenses involving more than $20,000 and using a computer to commit a crime.

A pop-up that tells you to call a number should be treated with suspicion, especially if the person who answers starts threatening you or demanding money. The same goes for anyone claiming to be from a government agency or law enforcement and insisting you need to pay to avoid legal trouble.

Don’t call the number on the screen or let an unsolicited caller take control of your computer. If you’re worried about a virus, contact a technician through a website or phone number you’ve looked up yourself. And if someone threatens you with legal consequences unless you hand over cash, talk to someone you trust before doing anything else.

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Data shows older Americans are losing billions to fraud

The case comes as new federal data highlights the scale of fraud targeting older Americans. In a report issued to Congress on Oct. 19, the Federal Trade Commission said adults aged 60 and older reported losing about $3 billion to fraud in 2025, up from roughly $2.4 billion in 2024.

The agency’s latest report on protecting older consumers also found that reported losses to tech-support scams reached $126 million in 2025. While that’s down 21% from the previous year, the problem remains significant. Older adults were more than four times as likely as younger adults to report losing money to tech-support scams.

The FTC also estimates that fraud cost older adults somewhere between $13.3 billion and $119.5 billion in 2025, in part because many victims never report what happened.

For anyone who suspects they’ve been targeted, the FTC recommends reporting the incident through ReportFraud.ftc.gov. If money has already changed hands, contact your bank or financial institution immediately to ask whether the payment can be stopped or recovered, and keep any messages, phone numbers and transaction records that could help investigators.

It can be embarrassing to admit you’ve been scammed, but it’s better to talk to someone than try to sort it out alone. If someone is threatening you with legal trouble and demanding cash, run it by a friend or family member before handing over any money.

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Laura Grande Contributor

Laura Grande is a freelance contributor with nearly 15 years of industry experience. Throughout her career she's written about and edited a range of topics, from personal finance and politics to health and pop culture.

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