MOUNT HOLLY, N.J. — A feel-good tale of a homeless man using his last $20 to help a stranded New Jersey woman buy gas was actually a complete lie, manufactured to get strangers to donate more than $400,000 to help the down-and-out good Samaritan, a prosecutor said Thursday.

Burlington County, N.J., prosecutor Scott Coffina announced criminal charges against the couple who told the story to newspapers and television stations along with the homeless man who conspired with them to tell the story.

Coffina said the money, donated to homeless Marine veteran Johnny Bobbitt, will be refunded to people who saw the story and contributed to him through a GoFundMe page set up by the couple, Mark D’Amico and Katelyn McClure.

Coffina said almost no part of the tale was true. McClure didn’t run out of gas. Bobbitt didn’t spot her in trouble and give her money. Instead, the group met near a Philadelphia casino in October 2017 shortly before the three told their story.

Less than an hour after the couple set up the page to solicit donations, McClure sent a text message to a friend acknowledging the story was “completely made up,” prosecutors said. “I had to make something up to make people feel bad,” McClure said in a text — one of 60,000 reviewed by prosecutors — to a friend.

GoFundMe said in a statement that people who donated money would get a full refund in the coming days. Coffina said the effort netted $367,000.

The group spent lavishly, Coffina said, and there are “zero” dollars left.

The couple bought a BMW, took a New Year’s trip to Las Vegas and bought high-end handbags, among other items.

More than $85,000 in cash was withdrawn at, or near, casinos in Atlantic City, Bensalem, Pa., Philadelphia and Las Vegas.

The fraud didn’t stop with the GoFundMe page. The trio did interview after interview, posed for photos together, revisited the spot where they claimed their first encounter happened and went on “Good Morning America.” The Associated Press prominently featured their story.

Bobbitt, 35, was arrested Wednesday night by U.S. marshals in Philadelphia and remained in custody Thursday on probation detainers and a $50,000 bond.

D’Amico, 39, and McClure, 28, surrendered to authorities Wednesday night and were released.

All were charged with theft by deception and conspiracy to commit theft by deception.

Prosecutors began investigating after Bobbitt claimed he wasn’t getting the money that had been raised on his behalf. He later sued the couple.

The prosecutor said “there’s a good chance” the alleged fraud might not have been uncovered had Bobbitt not brought a civil suit earlier this year alleging that the couple mismanaged the funds.