Debt Collectors Using Cute Chicks On Facebook As Bait
Debt collectors are using cute chicks as bait on Facebook to track down and keep track of debtors. For some reason, someone at CBV collections decided to out the truth behind the online construct "Jenny Anderson," that she was the tool of professional skiptracers, to all 658 of her "friends." Reader Bryan, who happens to be a reporter, was one of them, and he took a snapshot and interviewed "Jenny" a bit. The story, inside...

Beware of 'friends' on Facebook! That random cute girl who added you on Facebook might be a skip tracer for a collection agency!!
About four months ago due to a forgotten bill I became a client of CBV Collections in Vancouver. I made my payments on time, and had no issues. A little bit afterward, "Jenny Anderson" added me as a friend on Facebook. As I did not want to be rude (and she was a cute girl), I accepted her as a friend. At the time no connection in my mind formed.
This morning, in my news feed, her status line was changed to:
"haha you guys i tricked you all my name is actually Emily and i work for cbv collections as a skip tracer i bet you guys got calls from them saying you owe money thats all my doing :) you want to call and bitch? i dare you to call me 604-[redacted]!!! I wait to hear from you :)"
Judging by the amount of friends she has (over 600), it looks like her ruse worked. Just another example of how sneaky collection agencies can get to keep track of their debtors. I am curious to see how few friends she has over the next few days.
Beware of random people adding you on Facebook.... it might be people (or companies) up to no good trying to keep tabs on you, or collecting information about you. From now on I'll be a lot more careful about whom I accept as friends.
I'm also curious to know why she decided to blow her cover, especially in such an unprofessional way. Was she drunk? Did she feel the urge to brag? Was it a friend or colleague blowing her cover for her?
Here's the interview:
1:55 Bryan: May I have your full name, please1:55pm Jenny: why?
1:56pm Bryan: Because I am filing a formal complaint
1:56pm Jenny: :):) ok emily scarfo enjoy
1:56pm Bryan: And you are a Skip Tracer with CBV collections?
1:56pm Jenny: supervisor
1:56pm Bryan: Supervisor, sorry.
1:56pm Jenny: Skip trace supervisor hey no worries
1:57pm Bryan: Can I also have the name and contact information of your immediate supervisor, just for my records
1:57pmJenny: hmm andrew conely his number i dont know just good cbv collections you'll find the website
1:57pmBryan: Okay cool, thanks... I appreciate your help
1:57pmJenny: no worries
2:00pmBryan: So you say you got approval from your company to use Facebook to track down clients, correct?
2:03pmJenny: uh yah well from hr
2:03pmBryan: Did she give you permission to let people know who you are, and approve the wording in your status line?
2:03pmJenny: of coarse not
2:03pmJenny: you got a call from us didnt you :):) lol im emilys little birdy
2:04pmBryan: Can you explain what that means?
2:05pmJenny: i just know alot about that company ok no worries
2:05pmBryan: What does that mean?
2:05pmJenny: i gtg now if you see me on again you can msg me
2:05pmBryan: Please, I have a few more questions
2:05pmJenny: lol if you havent figured it out, i am not emily i am just a ltitle birdy i got in to this account through my sources
2:06pmBryan: So you are denying that you are Emily Scarfo, Skip Trace Supervisor for CBV collections?
2:06pmJenny: but i know about this account of coarse why would emily in her righ tmind do this? but you did get a call from cbv and this is how she found you?
2:06pmJenny: but im bored of all this i am gonna go
2:07pmBryan: Are tactics like this common place in your company?
2:07pmJenny: its not my company
2:07pmBryan: Please, I only have a few more questions, Emily
2:07pmJenny: I AM NOT EMILY goly
2:07pmBryan: I should tell you that I am a reporter, and I am doing a story about this, Emily. I am legally bound to tell you this
2:08pmJenny: really
2:08pmJenny:ok well i am not emily
2:08pmBryan: If you like, we can speak about this on the telephone
2:08pmJenny: i dont know f i trust anyone online
2:08pmJenny: and who i f i may ask do you report for?
2:09pmBryan: I am a freelance reporter, who writes for various publications, mainly for [redacted]
2:09pmJenny: your a photographer, not a reporter
2:09pmJenny:see you lie
2:09pmJenny: oh nvm
2:09pmBryan: I am also a freelance reporter
2:10pmJenny: so this is in alberta?
2:10pmJenny: or nation wide?
2:10pmBryan: Take a look at my profile, You will see that I have several stories and photographs printed newspapers and magazines around the world
2:10pmJenny: hmm ok
2:10pmJenny: i am not emly
2:10pmJenny: so please dont refer to me as such
2:10pmBryan: Why did you tell me you were Emily Scarfo, Skip Trace
Supervisor as CBV Collections?2:11pmJenny: i will help you but thats it
2:11pmJenny: because
2:11pmJenny: the person who made this account is emily scarfo
2:11pmJenny: well acctually
2:11pmBryan: Then who are you?
2:11pmJenny: she had someone do it for her
2:11pmBryan: And why are you impersonating Emily?
2:11pmJenny: but she is the one who uses it
2:11pmJenny: whyu is she impersonating jenny?
2:11pmBryan: That is between her and her company. The main concern of my article is the privacy concerns. I now have a list of over 600 people who are supposedly clients of a collection agency
2:13pmJenny: she is cruel i am sick of people getting tricked on this account
2:13pmJenny: no matter how much they owe
2:13pmJenny: no matter how much they owe
2:13pmJenny: my internet sucks though
2:13pmBryan: Okay, so who are you?
2:13pmBryan: Facebook chat is not the greatest
2:13pmJenny: so if ytou have no more questions
2:13pmJenny:i wont tell you who i am
2:13pmBryan: Oh, I have many questions
2:14pmJenny: i dont need to be famous
2:14pmBryan: So you are not Emily Scarfo, you are just someone who
hacked her account2:14pmJenny: her fake account
2:14pmJenny: but yes
2:14pmJenny: dont worry i dont acctually know how to hack
2:14pmBryan: Are you an associate of hers? Do you work for CBV Collections?
2:14pmJenny: i just knew the password to the fake e-mail attached to
this account2:14pmJenny: no
2:14pmJenny: hmm why does it matter who i am
2:15pmBryan: Are you a client of CBV?
2:15pmBryan:Because I am curious about why you did this
2:15pmBryan:About why you blew her cover
2:15pmJenny: the more i tell you the more she knows who i am
2:15pmJenny: did you not get it
2:15pmJenny: SHE IS TRICKING PEOPLE
2:16pmBryan: And why you are suddenly claiming not to be Emily,
despite the fact a few moments ago you knew her Supervisor?2:17pmJenny is offline.
People throw all sorts of personal information up on Facebook that can be very useful if you're trying to get in touch with them, or hunt them down. Phone numbers, email addresses, web pages, messages that mention your whereabouts, all of this is potentially useful to a professional skiptracer. The trick is that some people set their profile pages as private and you have to be their friend to see it. So, as a debt collection agency, just make a profile with a cute chick in it, put a plausible amount of real content in it, and have her friend the people you want to keep tabs on.
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Comments:
I am convinced of a few things, after reading this article. A: facebook = lower intelligence. Its kinda like enabling ebonics for the majority (rather than the minority talking jive) B: best thing I ever did was get rid of my facebook/myspace accounts, because something about this whole ploy is amazingly illegal and/or illicit.
and C: well, I dunno. It's fun to play games on the intertubes, but it's more fun to keep yourself safe.
I doubted this person is a anything supervisor after all the obvious spelling mistakes, such as "coarse" instead of "course".
As for this being a skip trace thing, WOW. How much information do you people put online? I guess I am lucky that I have dual online ID's, and there is really no easy way for someone to track my online identity to my true one. I also don't friend every person who friends me on any service, especially if I don't know them.
It's easy to set up various friend lists on Facebook. For example, I have lists for family and people I work with. Only those two groups have permissions to view my personal and contact information. People I went to school with 20 years ago can send me a message if they want to contact me, I don't need everyone getting my e-mail and phone numbers.
@Jim Topoleski: I got into an argument with someone about this once. Woman gets a friend request from some dude who bullied her in high school (w/o going into details it was really bad) and wants to know if she should friend him.
I'm like, "How is this even a question, of course you don't!" But this other guy says that she should because maybe he wants to apologize and it's not like he can hurt her through Facebook. Completely ridiculous.
@mangelo:
You don't make any sense. How could facebook be for 'lower intelligence' because of this article?. I know you had 4 friends, 1 of which was your mom, when you had an account... but really don't be bitter about it. I don't know how a social networking site could possibly be for stupid people, you don't have to act like an idiot just because it's FB. I know a lot of people do, but your post just seems completely unwarranted and random.
@quail: I bet it's either
A. Someone she tracked/traced, or
B. A co-worker who was pissed that Emily was pulling in such good numbers, and Emily was stupid enough to enable stored passwords on her browser, and this idiot shoulder surfed her password, and waited for a day for Emily to be off, and pulled this.
@Rectilinear Propagation: I got into the same argument once myself. I am usually the one who rolls over and lets bygones be bygones, but in all honesty if they are going to apologize for treating me like shit in school, they are going to have to do it to my face personally, and not on some website.
Needless to say no one on my friends list ever treated me like dirt.
How could facebook be for 'lower intelligence' because of this article?
@Christie Porter: That's a reference to Jenny's grammar (or lack thereof).
@outoftheblew: I have to agree with you here. She clearly changed her act half way through the "interview," who's to say that she/he is still lying.
Sometimes I'm looking at my friends' profiles and I'm stunned at how much information they put online. Phone numbers, addresses, and really personal information about themselves...I don't mean favorite music or movies, but really personal information like where they go every day, their routines...why people don't seem to understand this is a problem is beyond me.
@TakingItSeriously: I think what gets me is also that it seems that if you only make friends with people you actually know, they should know enough about you to not have to guess where you live. If they know you, they probably have your phone number, or can message you to ask. If they need to send you mail, they can ask. I don't understand why people take on such a risk when they put their personal information on Facebook.
@outoftheblew:
Because
1) It's unlikely your Facebook with be "hacked." and
2) That's pretty much a no-brainer. You only want to add people you're friends with on any social networking site. Skiptracers and anyone that may be out for your contact info simply needs to add you as a friend. Not only that, but there are Facebook apps that people will add for their cuteness, but they're actually designed to harvest contact info from your page and your friends' pages.
@Jim Topoleski: I'm with you. Clicking a few buttons on a social networking site isn't going to make up for asshattery in the past.
I recently got a request from one such classmate who now listed her religion as "karma". Right. Hope that's working out well for her, considering what a shebeast she was in high school.
Not that I agree with mangelo, but a study shows that college students with facebooks tend to get .5 to 1.0 GPA below those without, so while he may just be trolling there was a bit of truth to it.
Not sure if it applies here, but a lady was prosecuted under 18 U.S.C. § 1830 for violating MySpace's TOS and setting up a fake profile to harass someone...and I'm fairly certain these tactics wouldn't adhere to the FDCPA. It's definitely worth checking into if you were contacted by "Emily" or "Jenny" or any other social networking skiptracer, as each violation of the FDCPA enables the consumer to receive up to $1,000 in statutory damages, in addition to actual damages and attorney's fees.
And no, I'm not an attorney, just a daily consumerist follower.
@LabCoatWanting_GitEmSteveDave: To me it sounds like someone who got drunk and decided it would be fun to tell all of those people how they'd been scammed. This last bit was fiction she attempted to use to cover for it.
@Christie Porter: Just because you log in from Facebook doesn't mean it's your job to support it and insult the people who don't like to use it. "lol get a life" is rarely a good comeback, no matter what the original comment.
As to whether Facebook supports a lower intelligence curve - probably, as its main demographic is teenagers. A lot of older folks are starting to join,though and if you use it solely to have some fun and talk to people you don't see anymore, it's not so harmful.
Just, yeah, don't accept random friend-vites from hot chicks. Even if you aren't in collections.
@LabCoatWanting_GitEmSteveDave: Unfortunately, supervisors can often be more dimwitted than people who work under them. I've worked the office rounds a few times in my short life, and the mass emails the bosses put out are... headache-inducing to say the least.
I will say Not-Emily is worse, though. /shudder.
@pecan 3.14159265: With FB's privacy settings, it IS possible that you're on a list allowed to see those details, while random schmoes aren't, but I guess that depends on how much faith you put in some of your FB friends.
I don't think it's a problem because 1) my profile is set to private, and 2) many of the people whom I've added (I'd say about 95%) would have ready access to that information whether or not I posted it there. I'm choosy about ho I accept as a facebook friend, but once I do, I consider them just that and don't see the point in hiding much.
600 people falling for a honey trap. Luckily for these geniuses this "babe" was only looking to collect unpaid bills from them.
Sorry to wade in with the depressing comment, but the world is a nasty place. Anyone who goes through the trouble to unilaterally establish contact with you is looking to get (or take) something FROM YOU. Be it a warm feeling of satisfaction, or all the money in your bank account, they want something. You come second.
True in many cases, but you're generalizing. If you're careful about who you add and who you share with, it can be a good tool.
@LabCoatWanting_GitEmSteveDave: I really hope that this was a hacked account, because it makes me angry at society if someone can get to a supervision-level job while being barely literate and unable to clearly communicate via text.
@Christie Porter: Maybe because I was able to use it to backtrack a bunch of kids our teenager had been running with and getting in trouble with. I found enough information between facebook, myspace and one of the other social networking sites to get full names, phone numbers, locations, who knew who.
I went from having a couple of first names to piecing together the whole sordid mess in about two weeks. With what I found out I could probably land about 20 people in jail right now.
Beware of what your putting online, your stupid if you just put everything out there and let anyone see it.
@Jim Topoleski: I had the same experience with facebook. Every single awful person from high school suddenly friended me like they totally don't remember how horrible they were to me. It happens in real life when I visit my hometown, too. It's just like "Honestly? You don't remember how much you hated me?"
@quail: Some people are really obsessed with numbers and stats like that and will do anything to see them go up.
From the looks of that conversation I wouldn't be surprised if it actually was this Emily person hastily trying to cover her tracks with a "hack" story. I also wouldn't be surprised if she was legitimately hacked.
This whole trend is disturbing as far as what collection agencies have been up to lately. The woman a few days ago that was being publicly smeared by a car loan company, now this nonsense. Before someone goes on a rant that anyone who owes money deserves everything they get remember that there are tons of fake collection scams, zombie debt and other related fraud. Recently collection agencies have been going after people for other people's debts, dead relatives and others they don't actually owe.
They need to update FDCPA to include some of this kind of thing and increase the fines. I would love to see the fines coming out of the FTC rather than the courts.
Some of the people I have known who did collections and enjoyed it were really amoral deranged and slightly sociopathic. These are not people you want following you.




















Don't you think it might be prudent to redact names too? There's no proof so far that those named have anything to do with any of this and you just popped your names up willy nilly without confirming any of this.