She thought it was someone from the bank and they were trying to protect her money.  She is very honest, very naive.  They told her all her accounts and computer and phones were hacked and they had to protect her money.  They told her it was being used to buy Russian child porn which totally upset her and made her trust them.  They told her she and her husband were all over the dark web (which she really didn't understand but it sounded scary) and the bank couldn't trust the computers for transfers so I guess they convinced her to take all her money out and hand it to them in person.  She said different people came to her house to pick up the cash, gold bars they told her to buy, and gift cards.  She said it was all legit with cameras to film the transfer, codes they each had to have, etc.  She didn't get suspicious until the number she was calling was no longer in service.