After they form a “relationship,” they come up with reasons to ask their love interest to set up a new bank account.
The scammers transfer stolen money into the new account, and then tell their victims to wire the money out of the country.
"He said he was going to pay me back double," she laughs.
When Morrison suggested that her suitor put his daughter on a plane to get better medical attention at home -- and even offered to pick the girl up at the airport -- a new crisis struck.
One of the most common techniques is to build up trust with the person by messaging for weeks or even months before suddenly having an emergency - the fake person being mugged but their daughter needing urgent surgery, for example - and asking for money.
But then they suddenly need money for rent too, then food, then medical fees, and it can quickly escalate.
The victims reported collective losses of .4 million, which is likely only a fraction of the actual losses since many victims are too embarrassed to file a report, the FBI said.
About 70% of the victims were female; more than half were women 40 years or older.