Falling for Fraud


This article is not a self-help, tips guide. I considered summing this article up with a long list of the tips I’ve learned over the years to help you avoid falling prey to internet fraud. My next thought was that I’m not smart enough to write a comprehensive list that could help you avoid falling prey to everything out there. Those lists are out there, and I encourage everyone to seek out, but I’m not brave, bold or brilliant enough to write one. This article will simply detail my personal and anecdotal experiences in this world. 
June 22, 2026: “Florida couple loses $141,000.00 to sweepstakes scam. The couple loses their car, their income, and their home after the dementia-suffering husband fell for a scam that informed him he won $4 million in a lottery.” Yahoo!news 

“The stupid things dumb people do,” was how one Yahoo commenter summed up their reaction to this story. I would’ve loved that reaction in my teens and twenties. “They’re just saying what we’re all thinking,” I would’ve said in-between giggles. Working as a fraud agent at a Fortune 500 company changed me. I talked to these dumb people, and if they’re dumb, then we’re all a lot dumber than we think.  

“I cannot believe this happened to me,” was the most common reaction our victims had. They would tell us how intelligent and experienced they were. They would talk about how difficult their jobs were, and how their job required a high level of intellect that should never fall for something like this. “I thought I knew enough to know how to avoid something like this, but here we are,” they would add. 

Does that sound like you, and the shocked, embarrassed, and somewhat ashamed reactions you might have for falling for “The stupid things that dumb people do.” If you insist that only morons fall for online fraud, consider this: industry experts suggest that the total figures we have for cybercriminal activity skew low, because most victims are so embarrassed and humiliated that they fell for something so stupid that they won’t even report it to a fraud agent who is as low on the law enforcement totem pole as one could get. They’ll never meet me, so why would they care what I think? They do not want to go through the details, because they cannot bear having one person know how dumb they were. They just want to forget it ever happened. 

The fraud agents I worked with rarely characterized victims as dumb or stupid, because we heard from so many victims a day. We heard so many different stories that we knew the victims we were talking to weren’t in the minority. We usually spent the first couple minutes of every phone call talking these victims down. I may have considered these victims dumb or stupid when I first started working there, but I heard so much since that point that I knew I was as vulnerable as they were.  

I’ve heard from the prototypical little old ladies living on a pension, who had a little money set aside for a more comfortable living. I talked to hard-working joes who worked so hard their whole life and saved their 10% a year to allow their family to just barely escape lower middle class. I heard from so many representatives of age and economic demographic backgrounds that I progressed through a variety of emotional reactions that ended with sympathy and moved to empathy after I heard the wide array of schemes that our customers fell for. If I were to draw up a pie representing the typical victim, old people on a pension would represent the largest section, but that cut wouldn’t be as large as you might think. If you’re one of those who refuse to accept the idea that you’re a lot more vulnerable than you imagine, let me say that I was you, and you are me.   

Other than the ‘I’m too smart to fall for something so stupid,’ the greatest vulnerability I saw among victims was greed. The victims talked about how losing this money meant losing their comfortable lifestyle, which naturally led me to wonder why they would sacrifice that relatively comfortable lifestyle for the prospect of more. Is it an American characteristic, or is it human nature that we’re willing to sacrifice everything we have for the promise of something more? I don’t know the answer to that question, but I saw a wide array of victims put skepticism aside when they thought someone was offering them a pot of gold. The idea that something is too good to be true should require us to do our homework and use the tips that corporations provide to educate ourselves, or perform any checks of verification we can to reduce our risk. 

The theme of this article is that the moment after you think you’re general sense of judgement will prevent you from falling prey to one of their schemes will probably leave you vulnerable, but we saw some victims exhibit such poor judgement that it exacerbated what could’ve been a minor incident.

When we read, watch, and hear exposés about criminals, we often hear investigators characterize the criminal in their case as ingenious or brilliant. In my limited experience in this world, I haven’t found cybercriminals ingenious or brilliant. Most often than not, they just kept trying no matter how many times they fail. They exhibit some ingenuity and temerity, but I never saw one scheme that I considered brilliant or ingenious. 

If their first scheme does not convince us to part with the money we earned, these cybercriminals have a “no harm no foul” attitude. There was no crime committed, and thus no evidence of wrongdoing. Depending on the nature of their activity, we fraud agents might be able to restrict the cybercriminal’s access to their account, until they can prove their activity is not suspicious. If they can’t, they just open another account, and another, until they complete a fraudulent transaction. At that point, we can link up their accounts and activity to build a narrative. Long story short, most cybercriminals change, adapt, and tinker with their approach, until they can find a victim. 

The key word in that sentence is tinker. They might add a little something here or delete something there, “They are going to try hundreds of different approaches,” a fraud trainer once told us, “Because they only need one successful scheme to qualify as successful.” For example, professional fraud operations often use botnets, compromised servers, or spam-as-a-service tools that blast out millions of emails per day. Success rates are extremely low (often 0.01% to 0.1% click/open rates), so high volume is essential to generate enough victims to be profitable. How is that brilliant? My guess is that the investigators on the TV exposés on crime are the ones who cracked the case, so calling their case’s criminal brilliant enhances their profile for the audience. We should also note that I base my characterization of cybercriminals on the cases I investigated, and we could say I base my personal profile of them on anecdotal information. In my experience, cybercriminals aren’t ingenious or brilliant, they just tinker, adapt, and change their approach until they find the best way to prey on our vulnerabilities. 

Some fraudsters aren’t a piece of junk who manage to distance themselves from empathy and sympathy, because their victim is some anonymous, faceless entity on the internet. (Their victims often have online nicknames, like rugrat, as opposed Peter J. Hansen, the electrician, who has spent his whole life saving this money.) This anonymous, faceless designation also permits us to characterize victims as “The stupid things that dumb people do,” because we don’t talk to them, see them, or feel their pain. Other cybercriminals are desperate people living in no hope situations, until they are employed by a shady outfit in their home country that exists to defraud victims out of our money. Their employees have quotas, and if they fail to hit their employers’ numbers, be they quantitative or qualitative, the employees are back out on their country’s desperate streets of abject poverty. These shady outfits provide their employees with tight scripts, but they also reward employees for creative improvising.   

When the shady enterprises from other countries are ‘caught’ engaging in fraudulent activity, some of the countries make it known they “don’t encourage such activity”, but the employees and the shady outfits receive little more than a slap on the wrist. The countries “don’t encourage it”, but the countries receive a Gross Domestic Product boost from the amount of money that the shady enterprises generate. We can only guess this doesn’t result in greater taxable revenue for the country, as most of the activity is “undetected” by the government, but we can guess that kickbacks are appreciated.  

One vulnerability we all share to ploys generated by cybercriminals is the ‘I’m too smart to fall for all that’ mentality. This is also where “The stupid things that dumb people do” line comes into play. In a manner somewhat similar to the original reason man created fictional monsters (vampires, werewolves, and mummies) to essentially zoomorphise the inhuman acts of sadistic murder that gives good men and women some comfortable distance between those who would commit mass murder. I think we label victims of cybercrimes as dumb and stupid to try to create a comfortable distance from the horrific possibility that this could happen to us too. The one thing I would tell people who scoff at the possibility that this could happen to them is I’ve talked to people like you every day. I talked to Midwesterners who appeared to know everything about the internet, fast-talking New Yorkers, Surfer dudes, and individuals with a pleasant, Southern Drawl. I talked to little old ladies on a pension, fathers with kids in private schools, and mothers who thought they could supplement the family’s finances. I talked to people who would remind you of your family members, your neighbors, and people who would remind you of you. The one thing they all had in common is they never thought they would fall for something like this. “I thought I’d be able to spot something like this,” they’d often say through tears. “I can’t believe I fell for it.” 

“This was my life savings,” was such a common phrase we fraud agents became numb to it. I loathe writing that all these years later, but it happens to us when we hear the same complaint, working on a phone line, forty hours a week. At lunch and on breaks, we would talk about the calls we took, and in the beginning, we talked about the heartbreak and devastation we heard, but it happened so often that our conversations switched to a callous competition about the dollar figures we witnessed. “I took a call today where a guy lost $50,000.” “That’s nothing, I took a call last week, where a guy lost $200,000.” It was our way of dealing with all of the sadness we heard.  

These victims called us to fix the devastation they put their proverbial foot in, and we could help them at times...if those victims called in in time. I wrote out a detailed description of process involved in our calls with customers, but I just … deleted it, because my guess is you don’t want to read the particulars the processes involved in these calls. Suffice it to say, I was able to help some of these victims, and I wasn’t able to help others.   

When these worst-case scenarios occurred, the resultant desperation I heard on the other end of the line still haunts me. “This was my life’s savings, my child’s tuition to a better life,” or “my family will be ruined by this,” were things I heard.  

When I first started taking these calls, I felt sympathy for the poor saps that fell for “Something like this.” It didn’t take long for that sympathy to evolve into empathy, as I began to see falling for these fraud schemes did not involve just the prototypical victims I imagined. I realized it could happen to anyone, including those I knew and loved, and a couple hundred more calls convinced me that this could happen to me. It wasn’t every call, of course, as some people did fall for some dumb tactics, but there were others, usually a couple calls a month, when I’d receive a call from someone who reminded me of myself, falling for something that I knew played on my vulnerabilities. I’d go back and investigate the history of the cybercriminal, through linked accounts, and I’d spot their tinkering.

Those of us who worked in this department also received death threats, but the more common reactions involved customers threatening to harm themselves. We heard these desperate people threaten to take their own life so often that our company developed a policy that instructed us to immediately contact their local law enforcement to do a wellness check on them, regardless if we felt we talked them down or not.   

To avoid hyperbole, most of the calls I received involved customers who got “A little ticked that they got got.” They got swindled, cheated, or tricked into paying for an item that was priced so low it was too good to be true. Most of the people I talked to paid twenty to thirty bucks for a product that should’ve cost four hundred to five hundred bucks. They were a little ticked, but “I should’ve known it was too good to be true”was their reaction. I took more than my share of calls from victims who were absolutely devastated by the amount of money these fraudsters tricked them into submitting, however, and “I really thought this was legit,” was their reaction. “I thought I was on the road to a better life.” What do we say to that? That guy probably couldn’t wipe the smile off his face one week, thinking about how he was going to spend all that money, and he then probably had trouble finding reasons to smile for a long time after this. 

When I was able to stop the money, the potential victims celebrated my name, and we laughed for a couple minutes, and they cried tears of joy at the end of our call. They said I was “Their hero.” One old woman wasn’t laughing or weeping with joy, she was bawling uncontrollably. She was so choked up that she couldn’t even speak. Her daughter took the phone from her mother and made me feel like the most special person in the world for one day of my life. 

There were times when the money was gone, out of our system, and the fraudster’s bank account. I instructed them that they would need to contact their local authorities. I instructed them what they should say, what evidence they should provide, and how I was going to provide notes on their account to detail the transaction(s) in a way that would bolster their case.   

These worst-case scenario calls would inevitably end with the victim saying, “Thank you, but let me ask you, based on your experience.” I would close my eyes with a lump in my throat, because I knew the back half of this question. “What do you think are my chances of getting my money back?” I’m in so deep at this point that I’m almost incapable of answering this question. I should add here that I was forbidden by my company from offering my opinion on a case that reached this point (This was for my protection and the company’s). Yet, even if my company hadn’t protected me in this way, I still would’ve felt so bad for them that I would’ve found it difficult to find the right words to say. How do you tell a little old woman that her worst fears of losing her home, her car, and the independent lifestyle she’s enjoyed her whole life are likely gone.

“Your chances of recovering the funds increase substantially if you follow the standard procedures I’ve outlined for you,” is what I would say. This would start a back and forth that would involve them trying to break me down for my opinion. “I’m just asking you, based on what you see and what you’ve seen, what are my chances?” I understood their need to badger me of course, because I was their only point of contact at this point, and they were imagining a bleak future. Before they allowed me off the phone, they wanted to know if they should have some small nugget of hope, or if they should concede to the idea that some criminal managed to not only steal their money, but the life they knew, and the future they planned. These people were devastated, and they wanted some low-level employee on the phone to give them some hope. I froze up on more than one occasion when they made the full breadth of their devastation apparent to me. I was incapable of telling them that the hopeless nature of their situation was probably just beginning.     

We’re smart enough to spot a fraudster, and we know we wouldn’t fall for some piece of junk’s little games. We know how to spot a fraudster, because we’ve seen them on TV, and we’ve met them at our local, neighborhood liquor store. My experience as a fraud agent has informed me that I don’t know what to look for or how to spot a cybercriminal. There have no bullet point characteristics, and AND there are no bullet point characteristics of a victim either. Neither of them are more “worldly,” “street smart,” and it doesn’t matter if you “know how to play the game, because you’ve dealt with pieces of junk your whole life.” After dealing with both ends of the spectrum, receiving calls from victims and calling fraudsters, I didn’t grow more confident in my ability to spot a fraudster, I grew less confident. I became so uncomfortable with these situations that I became paranoid. I wouldn’t answer the phone from anyone I didn’t know, and on the rare occasion when I answered a call, I didn’t try to showcase my decade’s long experience. I hung up on them, or delete the email, or text as quickly as I could to avoid learning how vulnerable and susceptible I am. (I also avoid signing up for Customer Plus programs, petitions for local bills, and I now run from anyone associated with sales.) I provided a list of tips in the original draft of this article and I deleted it as I wrote earlier, but the best piece of advice I could provide anyone seeking how to avoid falling prey to internet fraud from cybercriminals is get paranoid. I write that knowing the cinematic phrase, “You’re not paranoid if they’re really after you,” and in my experience they’re all after you. Get paranoid!

The Sellout, Fraud, Fake, Phoniness of Keeping it Real


“You’re a sellout!” We would say when we wanted our fellow teens to cower. It’s what we did in the 1990’s. Back then, sellout, and its various derivatives, were the most powerful words in the English language. No one could pinpoint what those relative and arbitrary terms meant, but everyone could. Everyone knew how to move the couch to suit their situation, but no one knew where the grooves in the carpet were. We didn’t know what keeping it real meant either, but to paraphrase a Supreme Court Justice’s statement on porn, “We knew it when we saw it.” The only thing we knew for sure was that our favorite musicians, actors and writers were all about keeping it real.  

The term sellout was not as ubiquitous in the halls of our high school, but its derivatives haunted us. Calling someone a suck ass, kiss ass or phony was as damaging to us as calling a punk rocker a sellout. We did everything we could to avoid someone dropping these terms on us. It was our equivalent to the cinematic portrayals of the red scare from the 1950’s in which everyone did everything they could to avoid being called red. We avoided superficial conversation, for example, fearing that someone somewhere might unload a derivative on us.  

There were several shows and movies that taught us how to be real. We had iconic figures who could teach us how to be real, and the prototypes also lived among us. It was up to us to find our role models, but they were out there, keeping it real. If you haven’t spotted the flaws inherent in our system, we didn’t either. We were were scared, confused young people in the 90’s, and just like every kid of every other era, we sought some form of identity to escape that confusion that we hoped others might accept.

Jennie and I worked for an online company. She informed me that she had utter disdain for our boss. I found her screed funny, righteous, and all that. Then that boss (who was actually a nice fella, but he was the man) walked by our desk and dropped a polite, somewhat humorous anecdote on us. Jennie nearly fell out of her chair laughing. What a fraud, I thought. I maintain that she failed to act in a consistent manner, but who cares? Jennie was constantly getting in trouble for falling asleep at her desk. She probably feared losing her job, and she probably thought a little laughter would ingratiate her to the man, or she might have thought the polite, somewhat humorous joke was a lot funnier than I did. Who cares? To my mind Jennie was a sellout, a phony, and a fraud for sucking up to the man. Her laughter shaped what I thought of her forever after, because I thought she wasn’t being real. I thought her laughter was for sale, and she was commodity.  

One of the job duties of my new job as a front desk employee at a hotel was to engage our guests in polite, superficial conversations. I was to make them laugh, feel comfortable, and make them feel at home. “I’m not going to talk to every guest,” I said, believing the boss was shredding my integrity.  

“Well then, you’re fired,” she said.  

“What?”  

“It’s one of your job duties,” she said. “When a guest tells you a story, you are to respond in a way that makes them feel interesting. If they tell a joke, it’s the funniest damn thing you ever heard. If you’re not willing to make an effort in this regard, tell me now, and we’ll start looking for someone who is.”  

It was difficult to shed the artistic personae I spent so much time manufacturing, but I learned to tap into the superficial side of my personality for eight hours a day, five days a week. No one was paying me for my artistic personae anyway, so why was I clinging to whatever arbitrary definition of what it means to be real? No one really cares either. No one dropped to a knee when they heard me pontificate the virtues of the real. They probably considered me a scared little kid who was looking for pointers on how to be a cool individual in an otherwise dark, unmapped location of my life. The breadth of that took me a while to fully appreciate. I thought they appreciated my ability to stay true to the Keeping it Real commandments. They didn’t. When we were sitting at a breakroom table of real people, and someone expressed real virtues, people yawned and moved the conversation forward. If we dared express a view that they might view as the fraudulent, phony view of a sellout, all conversation stopped. We could hear the clinking of glasses and the sizzle of a griddle in the wake of such comments, but no one knew why it was so important that a service employee at a restaurant keep it real during the Sunday breakfast rush.  

I learned to start chit chatting up every hotel guest about every stupid thing I could dream up, and it wasn’t that hard. In some dark recesses of my mind, I would never reveal in closed locations, I actually enjoyed it. My high school buddies probably would’ve turned seven different shades of red if they witnessed it. They would’ve been embarrassed for me, and angry that I sold my soul for a buck, or they might not have noticed it at all. It’s possible that no one was paying half as much attention to me as I thought, and I dreamed up all these elements and definitions of those elements in my head.  

I initially refused to take this newly manufactured ability to tap into the “chat chat, chit chat!” part of my personality out into the real world. My initial vow was to “keep ‘em separated”, until I saw my friends engage in superficial conversation with strangers who weren’t female. They just enjoyed superficial chit chat, talking about nonsense, and they appeared to be having a whale of a good time. “Wait a second!” I wanted to scream. “Didn’t you guys see that one movie, with that real, cool one who refused to chat nonsense? He said that Americans talk too much, and he said that we should all learn to shut up for a minute. Who cares?! What are you talking about? You are in violation my friend!”   

That composite character of our movies, shows, and songs removed himself from pedantic concerns, and he was the quiet, cool prototype dragon we all chased. He effortlessly managed the center of attention by letting his supporting actors fill in the blanks for him and fluff his image. We wanted one person, somewhere, to confuse us with this archetype.  

There was no specific actor, movie, or show we consciously mimicked, but if we built a pyramid, Matt Dillon’s role in The Outsiders might have sat somewhere near the top. It might have been the initial spark, but we didn’t consciously mimic him or any of the other actors who played similar roles. We absorbed these undefined, intangible qualities, however, movie and movie, show after show, song after song, and book after book, until we thought we created something others might buy. When no one did, we probably should’ve put together a different sales strategy, but what would Matt Dillon, Kurt Cobain, and Johnny Depp think? We were brooding shoegazers who didn’t care what anyone else thought, and we repeated that so often that we revealed ourselves as composite caricatures.   

One of the most famous quotes of all time from the Old Testament of the Keeping it Real bible occurred in the movie The Wild One. In that John Paxton, Ben Maddow script, the Mildred character reads the line: “What are you rebelling against Johnny?”  

The Johnny character reads the line: “Whaddya Got?”  

In the real world Mildred would not say anything to preserve Johnny’s reply in a cool liquid that real worlders might want to bathe in. In the real-world Mildred says, “I’m sorry to say I got nothing Johnny.” 

“If you got nothing, don’t say anything Mildred,” the real-world Johnny might say. “You saying something just killed my whole mystique. Imagine if you said nothing. Imagine how powerful that line would’ve been.”   

“I’m sorry Johnny,” Mildred says, clearly shaken. “I’m just a bit actress in this scene.”  

“You don’t understand! I coulda had class. I coulda been a contender, I coulda been real, instead of a service industry worker, which is what I am.”

Tag lines such as keeping it real, selling your soul to the highest bidder, and the more concise sellout are evergreen, of course, but those of us who were hit with them way back when now see the illustrative and inconsistent dichotomy of trying to become real.

The Simpson’s Fraudster


Tim Heidingsfelder was a nondescript, mousy little feller who had no charm, but he found a way to channel those characteristics into some real money. His physical flaws eventually led to a fatal flaw to Tims’ plans, when he successfully attracted the attention of a young, attractive, and unusually charismatic woman.

Tim Heidingsfelder probably considered his unremarkable characteristics a curse for much of his life. He was not an ugly person, not even during puberty. He never had acne, freckles, or notable blemishes on his face, but there was something about his bone structure that just wasn’t strikingly attractive. He had no chin, no discernible cheekbones, and no attributes we would call remarkable. As he grew into a man, Tim probably found his dating opportunities somewhat limited. They weren’t non-existent, but the rejections he received in high school surely helped shape the man Tim Heidingsfelder would become. 

When Tim Heidingsfelder decided to commit his first act of fraud, however, he found his unremarkable characteristics conducive to thwarting capture. As a fraudster who planned to live the high life and buy the most expensive items he could with other people’s money, he didn’t want people to notice him. He didn’t want people to remember or recall his features. 

No one remembered Tim Heidingsfelder when he checked into our hotel, but the entire front desk staff was skilled in making guests feel welcome. We would welcome every guest with a hearty, “Hello!” when they check into their hotel. We learned how to strike up a casual, fun conversation with every guest who walked in, “Hey, you’re from Michigan? Go Blue!” Our fellow, front desk employees did whatever they had to do to make every guest feel welcome and special. Yet, if those Michiganders ran into that friendly employee, hours later, even the best hotel employees probably wouldn’t remember them. We were just so good at making our guests feel welcome that they were shocked when we didn’t remember them. The problem for a hotel employee working at a large hotel is that there are just so many faces we saw in a day and so many conversations we had that if a guest didn’t say or do anything remarkable, chances are we wouldn’t be able to pick them out of a police lineup. It’s the perfect climate for anyone seeking anonymity. 

Tim Heidingsfelder wasn’t an outgoing type, but from what I heard, he wasn’t a quiet, loner either. (I only had one interaction with him, as I’ll detail below.) No one noticed Tim Heidingsfelder in the course of that day, and his daily routine allowed him to remain as anonymous as every other guest in our hotel. Throughout his elongated stay, however, Tim Heidingsfelder couldn’t help noticing how attractive the young women working behind the front desk were every time he passed.

It’s all about the money, is the first cardinal rule of fraudsters, and those who attempt to try to catch them. A fraudster needs to keep their crimes small and unremarkable, so they don’t hit the queues of investigatory agents. As most fraud investigators will tell us this might seem relatively easy, but it’s hard for a fraudster to fight greed. The second cardinal rule for fraudsters, based in part on the first one, is don’t bring unwanted attention to oneself. For Tim Heidingsfelder, and his unremarkable features, this was a relatively easy rule to manage. The man could slide in and out of just about any room unnoticed. Yet, when a late 40’s/early 50’s man stands face to face with an extremely attractive young woman, and that young woman looks through him, it can cause that man to do things he may not otherwise do.

The traveling businessman is the bread and butter of most hotels. Depending on the needs of their business, some businessmen can stay at a hotel 100 days a year. “First of all, you can forget the idea of having a family,” a traveling businessman informed me one day as we discussed the plusses and minuses of his profession. “Why?” he asked, repeating my question. “What kind of child would I raise being on the road an average of 100 to 150 days a year. What kind of marriage would I have? The life of a traveling businessman has its perks of course, but those of us who have done it for any length of time know it’s a lonely, sometimes grueling lifestyle.” I witnessed the effects this lifestyle could have on a person secondhand, and I saw them gather at the front desk to have conversations with front desk employees just to have some normal, non-business conversations in a day. I also noticed most of them centered their focus on the attractive women behind the front desk. It dawned on me, after the traveling businessman told me about the pratfalls of the profession that making an attractive young woman laugh could provide them a needed respite from their empty, relatively meaningless existence.

Tim Heidingsfelder was not a traveling businessman, but he was apparently as lonely as they were, and this otherwise unmemorable man needed to try to make one of these young women behind the front desk laugh. Based solely on his appearance, we later guessed that Tim Heidingsfelder probably had few opportunities in life to do so.

When he stopped by the front desk for whatever reason he dreamed up, Tim didn’t just stop to say hello, he didn’t just pick up a fax, or engage in the various business-related conversations that occur between hotel employees and guests. Tim Heidingsfelder stopped to chat. He stopped to shoot the stuff with some of these attractive, young women. He stopped to get to know them, so they could know him.

The best looking young employee at the front desk also happened to be the friendliest. Cheri Lee was so attractive and so skilled at engaging in short, friendly conversations with guests that she quickly became a favorite among the hotel’s businessmen and long-term guests. It took some of us naively stepping into these conversations —to do our job and add to the guest’s enjoyment– to realize they weren’t stopping by to chat … with us. They only wanted to chat with Cheri Lee, to impress her, and hopefully, one day, make her laugh. After a few of these chats, Tim Heidingsfelder asked the other front desk employees where Cheri was one day. When they told him that she had the day off, he was visibly disappointed.

As with most of the lonely, nondescript, and homely looking traveling businessmen who stayed at our hotel, Tim Heidingsfelder’s sole focus in life became Cheri Lee. According to the law enforcement officials on the scene, he spun a decade long, elaborate web of fraud and deceit. They couldn’t elaborate on the details, of course, but the little tendril he dropped to impress Cheri Lee proved a fatal flaw to his scheme. 

He probably didn’t fully appreciate the fact that the hotel paid Cheri Lee, and everyone else on their staff, to laugh at guests’ jokes. Some of the guests we talked to on a daily basis were genuinely funny. Some of the times, we laughed politely to fill the void after their punchlines, and some of the times, we laughed because it was good customer service to let guests think they were funny. Cheri had a gift for making all of her laughs sound the same. Tim Heidingsfelder enjoyed this so much that he pursued their professional relationship to its fullest extent. We don’t know if he had romantic plans with her, but after a couple of conversations with Cheri, he did everything he could, every day, to leave an impression on her.

“I’m a writer for The Simpsons,” Tim told her one day. “The Simpsons creators sent me to your city to scout it as a probable location for a future episode.” Was this lie something he dreamed up before he made the hotel reservation? Did he scheme it out beforehand with an algorithm of answers should anyone question him, or did he develop it for the sole purpose of impressing Cheri? How many lies did he think up before he landed on this one? Did he nix some, because they weren’t impressive enough? Did he nix others, because they were too grandiose and subject to fact-checking. We don’t know, but we think he locked in on The Simpsons’, Goldilocks lie, because it didn’t violate the cardinal rule of bringing too much attention to himself. He dropped the line matter-of-factly, and he didn’t elaborate too much. Yet, this seemingly harmless lie would eventually prove to be a depth charge that once detonated would expose all of his plans. 

Cheri Lee was undeniably attractive and charming, but if Tim was better looking, richer, more successful, or more charming he may not have tried so hard with Cheri Lee. A man who looks like Tim just doesn’t make people who look like Cheri laugh very often, and when they do they want to do it more often. A man like Tim doesn’t know what it’s like to impress women who look like Cheri, and when they do it’s intoxicating, and it becomes the sole focus of their life.    

When Tim dropped that line on Cheri, he accomplished his shortsighted goal of impressing Cheri. When I arrived at work the next day, Cheri was all a twitter about it. “Did you know we have a celebrity in the hotel today?” she said artfully spooling out the scoop she had. “I know you’re a fan of The Simpsons, and I know you’re a writer,” she told me. “Well, we just happen to have a guest who is both a writer and a writer for that show.”

“Seriously?” I asked.

“His name is Tim Heidingsfelder,” Cheri Lee said. She told me that he was at the hotel on an elongated stay to scout our city as a probable location for a future episode.

“You’re kidding me?” I said. “That is so cool.” I thought about how cool it might be to meet him. I thought about how cool it would be to see our city depicted in animation, and I thought about how cool it would be to talk to a paid writer to learn from his path to success.

When I finally met Tim Heidingsfelder days later, he didn’t look like a writer, but what does a writer look like? Do they all look like James Joyce, professorial and bespectacled with patches on their elbows? Tim Heidingsfelder didn’t look that way, but either did Ernest Hemingway. I was not the least bit suspicious in other words. I talked with Tim Heidingsfelder with a co-worker standing over my shoulder listening. He unsuccessfully hid his laughter while two writer nerds talked craft.

“This is just so cool meeting you,” I said, “and I love what you, and the Simpsons’ higher-ups,  plan on doing for our fair city.” The man was cordial and apparently as impressed with me as I was with him. Throughout our introductory conversation, I told him that I was a writer and a huge fan of The Simpsons. “As a writer, I always pay attention to the credits that list the writers of the show,” I said proudly, “and I don’t remember ever seeing your name.

“Well,” Tim said. “You probably pay attention to the opening credits. Right? Yeah, I’m what you call an uncredited writer. I have yet to have one of my episodes aired,” he said with some chagrin.

“Shows, like The Simpsons,” he furthered, “have a number of staff writers, and most of us have never had one of our episodes picked up.” That was a great answer, because I read and watched a number of “behind the scenes” and “the making of …” stories about my favorite TV shows. I knew about writers’ rooms and head writers, and it wasn’t much of a leap for me to believe that most writers on staff don’t receive accreditation. I figured that if I really wanted to find his name, I could look at the long list of names that appear at the end of the show. I never did. I was never that interested or suspicious.

While Tim and I talked about the craft of writing, I could tell he wasn’t as into our conversation as I was. I figured that was the natural order of things. I figured he was one of the lucky few who someone paid to write, and I wasn’t. I also figured that by the time I met him, he had been a paid writer for so long that it was no longer special to him. Tim Heidingsfelder gave me no reason, at this point in our conversation, to suspect that he was anything less, or anything more than a writer for The Simpsons.

At one point in our conversation, I feared that I was playing the role of the fan, an annoying, uninformed and pathetic fan. I thought my end of the conversation was mundane, in other words, and I searched for a way to impress this man. I wanted a knockout blow. I wanted some little nugget of information that would prove I wasn’t just a fan. I don’t know what I hoped to see this man do, raise an eyebrow, smile an appreciative smile, or what, but I didn’t think my question would gain me anything. I just wanted to make an impression. 

I searched for that knockout blow while asking him other, insignificant questions, such as what he thought was the best joke he submitted, and he said, “Oh, there have been so many. It’s hard to pick one.” I asked him what it was like to be in a writing room, and I thought of a couple other nerdy, fanboy questions, but I couldn’t come up with that one big question that would blow him away. After a few more exchanges, it hit me. 

What I didn’t know in the moment I spent waiting for him to stop talking was that the question I had would eventually reveal Tim Heidingsfelder’s harmless lie for what it was. The moment after it dawned on me, I couldn’t wait to ask it, as Tim continued to answer my previous question in a congenial manner. The moment he finished, I launched into what I considered a knockout question that I thought might lead to one of those curious/impressed smiles that allowed him to launch into a discussion of his memories of the years he spent writing next to Conan O’Brien.

“Do you know Conan O’Brien?” I asked him. “Do you know him personally, or have you worked with him in any capacity?”

I don’t remember what he said, or if he decided to leave it blank, but I remember he began backing away to the elevator. That should’ve raised a red flag, but it didn’t. I didn’t think there was anything suspicious about that at the time. He was a guest at our hotel, and he had to take the elevator to get to his room. I thought he was signaling that his interest in our conversation was beginning to wane, or he had to get back to his room for a phone call or what have you. This happened on a daily basis at our hotel. With the benefit of hindsight, I now remember how uncomfortable that question made him. I remember his face turning three sheets of red in the aftermath of that question, but it meant little-to-nothing to me at the time.

My co-worker, who had been listening to this conversation throughout, noted the uncomfortable silence between Tim and I following that question and he capitalized on the moment to embarrass me.

“Conan O’Brien? He’s a talk show host, on an entirely different network,” my co-worker said. “What do you think all Hollywood people know each other?” He began laughing at me. He thoroughly enjoyed the moment. Tim Heidingsfelder joined in on that laughter, in a good-natured way.

“No,” I said looking Tim in the eye, seeking to have him join me in informing my irritant friend of Conan’s early days. “Not many people know this, but Conan used to be a writer for The Simpsons.” This might be common knowledge now, but in the nascent days of Conan’s talk show, it was knowledge only fans of both parties had. 

Unbeknownst to either of us, this innocent question spelled out a cautionary tale for all fraudsters and potential fraudsters. A fraudster might think they’ve worked hard to prepare themselves for every scenario. They might think they’ve built a mental algorithm to prepare for any scenarios that might come their way. They might even sit down and write out an algorithm out to prepare for anything and everything that might expose them. As even the most gifted fraudsters will probably tell anyone who’s interested, a fraudster cannot prepare for every situation. “You just have to learn to roll with the punches, but if there’s one thing you take from our discussion today let it be this, don’t create your own situations to unwind. Don’t create your own spider webs.”  

Tim Heidingsfelder could’ve said something as simple as, “No, Conan O’Brien and I never worked together,” or “No, we never crossed paths.” He could’ve said something simple as, “I don’t know what years he worked on the show, but I never had the opportunity to work with him.” It wouldn’t have taken much to throw me off a trail I wasn’t on in other words. I thought I was in the vulnerable position, trying to impress a man I never met before. If he characterized my question as one coming from a nerdy, fan boy, I would’ve slinked off with my tail between my legs, but he didn’t know enough about The Simpsons, or his lie, to throw me off a trail I wasn’t on. Knowing everything I know now, this would’ve been a perfect place for The Simpson’s character Nelson Muntz to say, “Haw Haw!” as Tim Heidingsfelder all but sprinted to the elevators.

Most fraudsters are smooth talkers, and we think that a late 40’s/early 50’s fraudster should know when to push and when to pull out of a conversation. We think that every fraudster, but particularly a seasoned fraudster, should know how important it is to say something, some of the times. Some of the times, we have to fill the blank before others do. Some of the times, it’s just as important to leave the blank alone, to allow the other party, or parties, to fill in the blank for them, as my co-worker did when he attempted to portray me as a Simpson’s nerd who knew more about the show than the actual writer.

Fraudsters learn how to fool people at a very young age. Deceiving the people who know and loved them most is excellent training. Salesmen learn such things in training classes. Trainers tell trainees to try to sell the product to their intimate friends and family first. “Not only are they great potential customers,” trainers say, “but the interaction allows you to work on your sales pitch.” Fraudsters follow the same methodology, as they try to see if they can fool their good friends, their aunt Gladys, or their own mother first. Doing this, is a way to practice the art of deception to see if they have any talent for it.

As a former liar, I often wonder what separates those who lied, stole and deceived in their preteen years and those who continue to do so well into their adult years. Lying, stealing, and deceiving those who loved me most almost felt like a rite of passage in my early teen years, but I hated it when they caught me in an act of deception. The embarrassment and shame that followed proved almost physically painful to me. No one trusted me. They called me a liar and a thief, and the only way I found to avoid that was to stop lying and stealing. It sounds so simple, and it is, but some people enjoy deceiving people so much that they keep doing it. Perhaps I’m approaching this from an autobiographical stance, but I believe that caring provides a dividing line between those who lie, cheat, and steal in their youth and those who will make a career out of it. Do you care what your friends, your mother, or your aunt Gladys think of you? How much do you care? Lying, cheating, and stealing will test what they think of you, and how you react to their findings will define you. 

Lying, cheating, and stealing are almost a rite of passage. Most kids do it just to do it. They want to fabricate to boost their self-esteem, they want to cheat to win, and they want to steal so they can have more items or money. They also want to test those around them to see if they’re good at it, or if they can get away with it. We’re awful at it, in the beginning, but we learn, from trial and error, the various nuances required to pull them off. We learn from getting caught, and what we do after that defines us. Fraudsters don’t want anyone to catch them, of course, and they don’t want to go through the embarrassment and shame of their acts, but if they don’t find a way to deal with the shame, in their youth, it will impede their progress. “I only steal from the rich,” thieves say in the movies to rectify their immorality. This keeps the audience on their side throughout their depravity, because the rich are a disembodied boogey man that we’ve been conditioned to hate. Is that the excuse fraudsters use to defeat the guilt and shame of stealing money from others, ruining their lives financially, and depriving them of the greater joys of life. How much did you steal, and what happened to the victim in the aftermath of your crime? How many of your victims were so loaded that they were largely unaffected by your crime? Most fraudsters not only wouldn’t know the answers to those questions, they wouldn’t ask them. They prefer that we join them in their disembodied characterization. 

If the fraudster doesn’t use the movie characterization to disembody their victims, they need something, some sort of mechanism that permits them to avoid caring about what their initial victims, their loved ones, think of them, and once they clear that hurdle, they will feel free to lie to and steal from total strangers. The proficient fraudster will combine that lack of concern with some effort put into covering their trail. No matter how prepared the fraudster is, no matter how smooth they are at fooling their mother, their aunts, and all the men in their life, a situation for which they are unprepared will find them.

Those who discover they have some talent for deception, but find that can’t go on knowing what others might think of them, use whatever talent they have in ways that are more productive. They might use that knowledge or talent to catch other fraudsters and liars for law enforcement, or they might go to work for a fraud department in a fortune 500 company. They might even become magicians, actors, or writers. These three crafts call for a mutually agreed upon level of deception and lying. Some unusually good liars never search for a productive way to deceive people, but they still have a need, a compulsion to feed the need for the thrill of it all, and anyone who has successfully lied, cheated, and stolen from another knows that thrill. They probably went through everything we did with the guilt and the shame, when they weren’t very good at it, but like a great wine, or a great bottle of scotch, they got better at it through will and desire.

The man who called himself Tim Heidingsfelder engaged in larger acts of fraud, and in doing so, he probably had prepared answers for larger questions, but he didn’t do his homework on the meaningless lie he told a young, naive front desk employee. Who would? We could say that what a fraudster does in that moment for which they are unprepared defines them, but who would think that a simple lie about writing for The Simpsons to impress a young, naive woman might start unraveling a complicated yarn of deception they worked years to build?  

The only thing I knew in the aftermath of my interaction with Tim Heidingsfelder was that the man was not sufficiently impressed with my knowledge of The Simpsons that day in the foyer of the hotel. I didn’t think about it too much, until I began seeing him in the foyer of the hotel. I had numerous opportunities to correct the record, but this man ducked me, constantly. I didn’t think he heard me a couple times, and I didn’t think he saw me a couple others. Over time, a troubling pattern began to emerge, until I found his evasion somewhat noteworthy.

“Why does he always do that?” I asked Brian, the front desk manager at the hotel. Just prior to that question, Brian was speaking with Tim Heidingsfelder. The moment Tim spotted me coming to the front desk he moved the elevators.

“Because you’re a nerdy fanboy, and no one wants to talk to nerdy fanboys,” Brian said. It was a great answer, as Brian unknowingly tapped into my vulnerability on the manner, and he put the onus back on me.

“Ok, but I thought he and I had a great conversation a while back,” I said. “I was beyond polite to the man, and I think he should enjoy talking about how jealous I am of him, but every time I walk into the room, he runs away.”

“Well I know you pretty well,” Brian asked, “and if I saw you coming, I’d walk away too.”

“I’m serious here,” I said.

“You think it’s suspicious?”

“It’s odd,” I said. “That’s all I’m saying. It’s odd.”

“Does everyone have to love you?” Brian said. “Maybe he just doesn’t enjoy talking to you.”

“Fair enough,” I said, “but you know me, I’m not the type who has to be involved in every conversation. As you said, I’m kind of a quiet guy, and when I walked up to this desk tonight, I had no plans of saying anything. I was just going to stand here and let you two talk. If I was rude, or an overbearing person, perhaps I could see it, but this guy jets like I have a communicable disease any time I enter the room?”

Brian did not begin investigating Tim Heidingsfelder that night, but Brian did not view the man with the least bit of suspicion before our conversation, and soon thereafter, he began spotting some unsual dots that he thought might lead to come connections. I might have initiated the suspicion, in other words, but Brian did all of the investigative work. He dotted the I’s and crossed the T’s to find Tim Heidingsfelder’s alleged criminal activity. Brian examined the credit card history on Tim Heidingsfelder’s account history, and he found that Tim Heidingsfelder switched credit cards a number of times. That, in and of itself, was no reason to call in the cavalry. Guests, particularly business travelers, regularly put a number of business cards on their account. At times, and for a variety of reasons, those cards max out. This is particularly the case with extended stays such as Tim Heidingsfelder’s. The company furnishes their business travelers with a number of cards, and some of the times businessmen puts their personal cards on the account and the company reimburses him. Long story short, a guest switching cards in the middle of a stay is no reason to investigate on their account. When Brian analyzed Tim Heidingsfelder’s account, however, he found that an inordinate number of the previous credit cards placed on his account that were declared stolen, but he probably wouldn’t  have investigated Tim Heidingsfelder’s account if Tim didn’t initiate the chain of events that led to his downfall by trying to impress an attractive, young woman. 

When I saw Tim Heidingsfelder sitting in the manager’s office, I knew he wasn’t there to discuss his stay at the hotel. His face was three sheets of red again. Brian caught him. Seeing those three sheets of red, I recalled the look Tim gave me after my Conan O’Brien question.

The local police soon followed and frog marched Tim away in handcuffs, and I sensed the script flip from a Simpson’s episode to one of Scooby Doo as I watched the police walk him off in handcuffs. I waited for a “And I would’ve gotten away with it too, if it wasn’t for you, the meddling fanboy” exit, but it never arrived.   

The police later informed us that Tim Heidingsfelder was a pseudonym he used, and they managed to locate his real name. They informed us that two other states wanted him on credit card fraud.

If he could’ve avoided the fatal flaws in the design of the human being, the need for attention, and the need to impress our fellow humans, particularly the cheerleaders and football players of life, Tim Heidingsfelder probably could’ve engaged in fraudulent activity for years. He could still be doing it, but for his need to have someone notice him and take note of him. The line on Tim Heidingsfelder is that he stole tens of thousands of dollars from unsuspecting victims, but that could’ve been nothing more than a good start for the man. He could’ve increased that total exponentially. He could’ve destroyed people, and left true carnage in his wake, if he could’ve just managed to control his need for human contact a little better.