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was in rough financial shape as the 2012 holiday season drew near.

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.

The 45-year-old divorcée and junior-college dropout now lived in Bluefield, West Virginia, a fading town near the Appalachian coalfields where she’d been raised.

She would then return on subsequent days to make additional four-figure withdrawals until the account was nearly empty.As soon as Elrod would exit First Community with a bundle of and 0 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 would pass by the drive-through tobacco outlet, the Dollar Tree, and Bellacino’s Pizza & Grinders en route to the mall’s centerpiece, a typically gargantuan Walmart.There she’d head straight for the store’s Money Center counter, where she used Money Gram to transmit usually somewhere between

She would then return on subsequent days to make additional four-figure withdrawals until the account was nearly empty.

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 would pass by the drive-through tobacco outlet, the Dollar Tree, and Bellacino’s Pizza & Grinders en route to the mall’s centerpiece, a typically gargantuan Walmart.

There she’d head straight for the store’s Money Center counter, where she used Money Gram to transmit usually somewhere between $1,500 and $1,800 to a man she knew as Sinclair.

Elrod would spend the next few hours visiting other Bluefield establishments that offer Money Gram or Western Union services: the Advance America payday loan store, the Food City supermarket, the austere cash-for-titles joint located literally under Route 460.

||

She would then return on subsequent days to make additional four-figure withdrawals until the account was nearly empty.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 would pass by the drive-through tobacco outlet, the Dollar Tree, and Bellacino’s Pizza & Grinders en route to the mall’s centerpiece, a typically gargantuan Walmart.There she’d head straight for the store’s Money Center counter, where she used Money Gram to transmit usually somewhere between $1,500 and $1,800 to a man she knew as Sinclair.Elrod would spend the next few hours visiting other Bluefield establishments that offer Money Gram or Western Union services: the Advance America payday loan store, the Food City supermarket, the austere cash-for-titles joint located literally under Route 460.At each stop she’d wire another chunk of money to Sinclair.Sometimes, if her phone bill was due or her refrigerator was barren, she kept a few dollars for herself.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.She knew they’d soon spend hours gabbing on the phone, as was their daily habit.No matter how tired she got from helping Sinclair obtain his money, the prospect of hearing her fiancé’s adoring voice always managed to lift her heart.

,500 and

She would then return on subsequent days to make additional four-figure withdrawals until the account was nearly empty.

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 would pass by the drive-through tobacco outlet, the Dollar Tree, and Bellacino’s Pizza & Grinders en route to the mall’s centerpiece, a typically gargantuan Walmart.

There she’d head straight for the store’s Money Center counter, where she used Money Gram to transmit usually somewhere between $1,500 and $1,800 to a man she knew as Sinclair.

Elrod would spend the next few hours visiting other Bluefield establishments that offer Money Gram or Western Union services: the Advance America payday loan store, the Food City supermarket, the austere cash-for-titles joint located literally under Route 460.

||

She would then return on subsequent days to make additional four-figure withdrawals until the account was nearly empty.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 would pass by the drive-through tobacco outlet, the Dollar Tree, and Bellacino’s Pizza & Grinders en route to the mall’s centerpiece, a typically gargantuan Walmart.There she’d head straight for the store’s Money Center counter, where she used Money Gram to transmit usually somewhere between $1,500 and $1,800 to a man she knew as Sinclair.Elrod would spend the next few hours visiting other Bluefield establishments that offer Money Gram or Western Union services: the Advance America payday loan store, the Food City supermarket, the austere cash-for-titles joint located literally under Route 460.At each stop she’d wire another chunk of money to Sinclair.Sometimes, if her phone bill was due or her refrigerator was barren, she kept a few dollars for herself.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.She knew they’d soon spend hours gabbing on the phone, as was their daily habit.No matter how tired she got from helping Sinclair obtain his money, the prospect of hearing her fiancé’s adoring voice always managed to lift her heart.

,800 to a man she knew as Sinclair.Elrod would spend the next few hours visiting other Bluefield establishments that offer Money Gram or Western Union services: the Advance America payday loan store, the Food City supermarket, the austere cash-for-titles joint located literally under Route 460.At each stop she’d wire another chunk of money to Sinclair.Sometimes, if her phone bill was due or her refrigerator was barren, she kept a few dollars for herself.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.She knew they’d soon spend hours gabbing on the phone, as was their daily habit.No matter how tired she got from helping Sinclair obtain his money, the prospect of hearing her fiancé’s adoring voice always managed to lift her heart.

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