I have a message on my computer that says it is locked by Windows Defender

Nice to meet you, *****!
Could you explain where exactly you see that message?

I can't tell you for sure now
I need a bit more info from you, *****
Are you able to send me a picture of that message from Microsoft Defender?

To attach pictures to our chat, you need to press the paper clip button in the lower right corner of the chat window. Then you have either to choose an image on your device or take a photo right away. Then confirm sending.

Thank you, *****!

Please, follow the instructions below:

1. Turn off your computer. If you can't reach the Start menu, please, turn it off using the power button.
2. Turn the computer back on, but don't open the browser yet. Tell me if you see the same window

I will be waiting here
I'm sorry to tell you that, *****, but it is most likely a scam.
Warnings from Microsoft Defender don't usually provide a phone number, and Microsoft representatives would not ask for payment.
But I can help you get rid of this error, so you will be able use your computer again

Yes, calling your bank would be a right thing to do
Have you restarted your computer already?

So, no warnings?

Yes, please
If you see a prompt asking "open recently closed tabs?" choose "no"

Ok, that is a good sign
I also recommend you clean your browser history for today:

1. In Microsoft Edge, select Settings and more > Settings > Privacy, search, and services.
2. Under Clear browsing data, select Choose what to clear.
3. Select a time range from the Time range list (you can choose just for today)

Sure, take your time

Yes, absolutely

So, what do you see now?

It could be that everything is cleared already, and that's why it stopped turning

Yes, please
And check the date of the last site listed there

If the date of the last site visited is 10/06 or earlier - all clear

Ok, good
I don't think you will see that error again, *****

Great!
Is there anything else I can do for you today?