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After they form a “relationship,” they come up with reasons to ask their love interest to set up a new bank account. I'VE spoken with him via skype WITH video so I know his real face. :( If you have read enough stories on this site, you have no option BUT to believe he is a scammer. Oh, Devastated, I am so sorry to hear your heartbreaking story. You said you got a credit card that you didn't apply for. crazyann, I met a fake US military named Frank Edward.