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As soon as Elrod would exit First Community with a bundle of $50 and $100 bills in her purse, she’d hang a right and walk across the parking lot to Ridgeview Plaza, a vast and featureless shopping mall surrounded by scraggly woods.
She’d been out of work for a year, ever since quitting her longtime clerical job at the county public health department in Charlotte, North Carolina.Despite her hand-to-mouth circumstances, Elrod’s new account soon began to receive a series of sizable wire transfers, many of which originated abroad.Over the course of one December week, for example, almost ,000 arrived from Norway; on January 2, someone in France sent ,977.She scraped together just enough to rent a 676-square-foot garage apartment that she shared with a roommate, a gangly buffet cook a dozen years her junior.On the Tuesday after Thanksgiving, Elrod opened a checking account at a First Community Bank branch located just across the state line in the twin town of Bluefield, Virginia.Elrod never let this money linger: She always showed up at the bank a few hours after a transfer cleared, to withdraw as much as ,500 in cash.
She would then return on subsequent days to make additional four-figure withdrawals until the account was nearly empty.
But more often than not, she ended the day no richer than she’d started.
As she waited for the Bluefield Area Transit bus to whisk her back to West Virginia, Elrod would think about her fiancé, a Scottish oil worker she’d met online.
“My name is Duke, I am from Aberdeen do you know where? I have a son named Kevin and by the Grace of God I will meet that someone again.”The typical Facebook user would likely recognize such a note as bait, but Elrod was in a place in her life that made her vulnerable to such flattery.
She was in the midst of divorcing her husband of 14 years; his legal woes (including arrests for benefits fraud and making a false bomb report) had strained their marriage.
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