"It was then I realized what an idiot I was", she added.
Ruth Reed and her husband have made it a habit to pay it forward to customers at a Wawa convenience store in New Jersey.
"And he said, 'What's your name?' Ruth".
He was in town ahead of his Friday night concert in Camden, NJ.
"I argued with him that he was not Keith Urban", Reed said.
When she spotted a man at the register who seemed to be short on cash, she jumped at the chance to help.
That's when she realized he looked familiar.
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She overheard Urban ask a companion for $5 and said he looked like he could use some help. This was remarkable to Reed because the man looked just like Australian country singer Keith Urban.
A skeptical Reed asked his bodyguard to confirm that he was actually the famous musician.
"Three years ago, I made a resolution to treat somebody at Wawa once a week", she said.
"He really could have said, 'Lady, get away from me, ' and he didn't, he was very kind", said Reed.
"And I just fell apart, fell apart and he was gracious", Reed said. "They include our wonderful regular customers, like Ruth, and occasionally music superstars like Keith Urban!"
Unsurprisingly, her photo with Urban outsider the convenience store quickly went viral among fans of the crooner.
Reed has been getting a lot of attention the last couple days about her interaction with Urban and says the only reason she agreed to talk with us about it on camera is to try and inspire other people to also do acts of kindness.