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Drowned widow was scammed out of $1.5M in Match.com hoax, left note about secret ‘double life’

The scammer who drained Laura Kowal of her $1.5 million nest egg and sent the widowed healthcare executive on a path that ended with her death in the Mississippi River, hundreds of miles from her western Illinois home, called himself "Frank Borg." https://www.cbsnews.com/news/romance-scam-epidemic-one-womans-mysterious-drowning/ Frank drew Laura into a relationship after she connected to his profile on the popular dating website Match.com. Over months of giddy cellphone calls and in hundreds of florid emails, Frank manipulated her by drawing on publicly-posted details of her life to forge a bond, then induced her to invest with his online trading firm. As her skepticism grew and love waned, he strong-armed her into helping him dip his hands into the accounts of other victims. "She had all these buckets full in her life, my mom did," said Kelly Gowe, Laura's daughter. "But there was this one bucket that was missing⦠and that was companionship. ... And that's ultimately where we're at now, is because of that." This increasingly common pattern â a modern spin that combines emotionally exploitative catfishing schemes with fast-moving investment and crypto scams â has served as the leading edge of an epidemic of pernicious scams targeting users of dating apps and websites. U.S. Justice Department and FBI officials told CBS News there is a public account of the toll: more than 64,000 American victims in 2023. But multiple experts told CBS News that those numbers significantly under-represent the true scope. "They may be embarrassed that they have been victimized in this way," said Arun Rao, who oversees the Consumer Protection Branch at the U.S. Department of Justice. "They may be ashamed. They may be afraid to tell their friends or family." With so many cases going unreported, he said, it is a national crisis unfolding largely in secret.

An Illinois widow found dead hundreds of miles from home had been scammed out of $1.5 million by someone she met on a dating app — and had penned a chilling note predicting she “would end up dead” because of her secret “double life,” according to her family.

Laura Kowal, 57, had a nearly two-year online relationship with someone she assumed was a handsome Swedish businessman named “Frank Borg” whom she met on Match.com after she lost her husband of 24 years to cancer, her daughter, Kelly Gowe, told CBS News.

Gowe then got an alarming message from a federal investigator on Aug. 7, 2020, warning that her mom was feared to be the victim “in a fraud scam” — after which the widow vanished.

The panicked daughter raced to her mom’s home in Galena, Illinois, where she found a troubling, handwritten note addressed to her, she told the outlet.

“You were right in your judgment of me,” Kowal’s letter read.

“I’ve been living a double life this past year. It has left me broke and broken. Yes, it involves Frank, the man I met through online dating.

“I tried to stop this, many times, but I knew I would end up dead.”

The note also provided instructions on how to access her mother’s emails, which detailed how her “relationship” with “Frank” morphed over time — and how she was manipulated into sending more than $1.5 million to a phony company called Goose Investments.

Just two days after the call from the feds, Kowal’s body was found floating in the Mississippi River near Canton, Missouri, more than 200 miles from her home in Galena.

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An autopsy was inconclusive and police ruled Kowal had died from drowning with no obvious signs of fair play.

Her family is not convinced.

“I have never been ashamed if [a finding of suicide] was the outcome,” Gowe told CBS News.

“And it’s not because I don’t want to believe that. There would be some closure that would come if we were able to prove that my mom committed suicide. … But do I believe that they have been proactively seeking out evidence in an investigation beyond suicide? No.”

Investigators have yet to work out who “Frank” really is. His email were sent from Ghana, and the photos used were really stolen social media pics of a doctor in Chile, the report noted.

Gowe believes “Frank” caused her mother to feel “like she was endangered. That she was going to die.”

“It’s the scammers,” she said. “It’s the criminals behind those emails. It’s Frank Borg… this character. He killed my mom. And everyone that is involved in this scam in any capacity, that’s moving the money, that’s placing a phone call, that’s hitting ‘enter’ and ‘send’ on an email — they’re all responsible for my mom’s death.”

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