Victim lists circulate. People who lost money once are seen as people who can be convinced again. The recovery pitch is engineered for that moment, when you are embarrassed, hurting, and willing to try anything.
Real recovery, when it is possible at all, happens through your bank, your card issuer, and law enforcement. Nobody who cold-calls you can claw money back from a wire transfer. Anyone who claims they can, in exchange for a fee, is the scam.