>> reporter: in florida nicki kelly says she lost $48,000. >> my life has basically been destroyed. >> reporter: money they all say stolen by crooks using fraudulent wire transfers. this is this was stolen from me and this is a crime. >> reporter: florida's karen rose says her ordeal began last year when she was in the hospital and her phone rang. the caller id? chase bank and a man said -- >> we need to verify a transaction that's been processed on your account. >> reporter: the transaction? seventy-one dollars spent at a walmart in new mexico. >> i said absolutely not. i said i'm in orlando. i'm not in new mexico. i haven't been to new mexico. >> reporter: then she says he claimed someone was trying to wire transfer money out of her account. he said he could stop it. he just needed to verify her identity. >> he said that he was going to send an authentication today to make sure it's me on the other end of the money. >> reporter: but it wasn't to verify her identity. instead the crooks used that code to authorize a wire transfer out of her account to their own, $27,000 she'd earned f