I'm not sure what you're doing wrong this is the results I get when I do only this and nothing more.
- Drag and drop a tabbed pane to the frame
- Drag and drop a scroll pane to the tabbed pane
- Drag and drop a panel to the scroll pane
- Drag and drop a label to the panel, and another label to the bottom.
Resize to smaller frame and scroll bars appear
Navigator Window