luv says that funds were withdrawn from her friend's checking account. I doubt it. I'll bet she has invoices saying the funds came out, and the phishermen are hoping she'll begin a dialogue with them that will reveal her account information.
Something like...
luv's FRIEND: I did not authorize these charges.
THEM: We can help you get to the bottom of this problem. Can you tell us the checking account number you think the funds may have been transferred from?
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