Matt Bergwall: Return to Sender | 200
Scamfluencers
Audible
4.1 • 7.7K Ratings
🗓️ 9 February 2026
⏱️ 43 minutes
🧾️ Download transcript
Summary
When Matt Bergwall arrives at the University of Miami in the spring of 2021, he’s young, tech-savvy, and bored. After discovering a vulnerability in corporate refund systems, he turns it into a multimillion dollar scam that quietly siphons money from some of the world’s biggest corporations. Matt spends the stolen cash on designer clothes, luxury goods, and lavish vacations. But as the scheme grows, it catches the attention of a scammer-turned-FBI-informant tracking refund fraud online, setting off a chain of events that leads to Matt’s arrest and the collapse of his high-flying lifestyle.
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Transcript
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| 0:00.0 | Sarah, what is the lamest thing you've ever done to seem cool? |
| 0:10.6 | Oh my God. |
| 0:12.9 | Honestly, I feel grateful because I have three older siblings who really would make fun of me if I did something out of character. |
| 0:20.4 | But I do remember once buying like something so ugly as a kid, |
| 0:25.2 | begging my parents for it because I was like, this is cool. |
| 0:28.5 | And just like kind of feeling guilty about it after. |
| 0:31.5 | Yeah. |
| 0:31.9 | I don't think I've really done that a ton in my life, to be honest. |
| 0:34.4 | I don't know. |
| 0:35.2 | But I feel like maybe I've just buried it very deep down. |
| 0:39.2 | I do have to admit that there was a long time where I think I fell into like the guys girl |
| 0:43.6 | trope. Like I drank a lot of IPAs and I'll never get that time back. |
| 0:47.7 | Wow. You as a guys girl is sending a chill down my spine. Can you imagine? |
| 0:52.5 | I can't imagine you pandering to men. |
| 0:55.8 | I learned a lesson pretty fast. |
| 0:59.2 | That's scary. |
| 1:00.2 | I'm so glad that wasn't a long phase in your life. |
| 1:03.8 | Just a couple of minutes. |
| 1:05.9 | Well, I'm asking because today, |
| 1:07.6 | I have a story for you about a scam artist who got into the game |
| 1:10.6 | all because |
| 1:11.1 | he was sick of being a dweeb. He wanted people to like him, and money was an easy shortcut. |
... |
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