Deborah Harmon, from Homosassa in Florida, was tricked by the con artist after accidentally accepting a friend request on Facebook.
The 63-year-old felt that genuine romance had blossomed between herself and the stranger, who sent her a picture of a handsome 40-something gent he claimed to be and promised they would set up home together.
When they eventually spoke by telephone, he had a German accent, however no suspicions were raised with his victim – who by then had fallen for his charms.
Now Deborah, who has been widowed for 20 years and has no surviving family, is speaking out about her ordeal to warn others.
The con artist sent her a picture he said was of himself and a picture of his passport to persuade her he was real.
Deborah sent him $400, by Western Union, when he told her he had arrived on business in South Africa but none of the ATMs would accept his bank cards.
More money was sent later and then, after he "set up an account in her name", she was told she needed to deposit cash to activate it.
She then sent him massive sums of money, first using up her life savings and later taking out loans to get more cash.
By the time she realised she'd been had, she had handed over everything.
Deborah said the man told her he lived in a flat on Rochdale Road in Harpurhey although no one by the name he gave appears there on the electoral roll.
And there are three separate Facebook accounts which bear the picture used to scam Deborah, raising suspicions the picture is someone other than the conman.
The profiles variously claim the man pictured has studied at "New Manchester High School", which doesn't exist, and "Manchester High School", which is a girls' school – and the links to the supposed schools connect to Facebook pages of institutions in America.
"He was on my Facebook," she said.
"I accidentally pressed accept and we started chatting from there. He was saying that he felt that we were meant to be together and that it was destiny.
"He said he was a widower and that he had a son and that he was a contractor. We chatted on Facebook for maybe three months and then he invited me to talk to him on [Google] Hangouts. We swapped numbers and he called me. He said he was in Manchester.
"He told me he was on his way to do business in South Africa. He said he'd inherited the business from Manchester. We would talk before he went to lunch and then in the evening after he had had a nap. We would speak every day. To me his accent sounded German. He spoke in broken English.
"He said he was madly in love with me and that we would definitely be together and that he knew I was the one for him. He wanted to have a family. He said he had a son and he wanted me to be a mother to his son."
Asked if she reciprocated, Deborah said: "I did. I do. I do have feelings for him but I can't trust him. I'm very naive. I could kick myself."
Her scammer set up what appeared to be an account at what is clearly a bogus bank purporting to be based in Budapest, Turkey, called Private Wealth Bank, sending her a "statement" when she had deposited some money which she was required to activate the account.
In one email, an "account officer" at the bank wrote in pidgin English to "Debora": "We are doing all our best to assist you and to help Mr. Fred as well. We advise you to complies to the banking policy. We also do identify our bank each time you called or you are called. We are not running a charity organisation in our bank.
"We are here to help you and to solve this problem once off. We are following the banking policy, not our policy. Please don't make it look personal. We did come down to help you that is why you are asked to pay the instalment. You are asked to pay your first instalment of $2500.
"We don't operate in this way but the president steps down and assist you in this way.
"I hope you understand."
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