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.
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More than US$85,000 ($125,000) in cash was withdrawn at, or near, casinos in Atlantic City, Bensalem, Pennsylvania, Philadelphia and Las Vegas.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 the TV show Good Morning America. Bobbitt, 35, was arrested on Thursday by US marshals in Philadelphia and remained in custody yesterday on probation detainers and a US$50,000 bond. A message was left with a previous lawyer of Bobbitt's.
D'Amico, 39, and McClure, 28, surrendered to authorities on Thursday and were released. Their lawyer said they have no comment.
All were charged with theft by deception and conspiracy to commit theft by deception. The charges carry prison time of up to 10 years.
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.
The investigation began after the lawsuit was brought and parts of the group's story "didn't ring true", Coffina said.
In one text exchange in March this year, McClure worried that she and D'Amico had less than US$10,000 remaining, but D'Amico wasn't concerned, Coffina said.
He was certain that a book deal they were pursuing would "dwarf" the money from the GoFundMe fundraiser and a few months later, when the dispute with Bobbitt became public, D'Amico was not dissuaded, according to the prosecutor.
Instead D'Amico pitched a title that would encompass the controversy: "No Good Deed." Investigators searched the Florence, New Jersey, home of D'Amico and McClure in September after questions arose about what happened to the money they raised for Bobbitt.
McClure said that in an attempt to thank Bobbitt for his help, she set up the fundraising page, which brought in more than US$400,000 and landed them in the national and international news. Coffina said the effort netted US$367,000.
GoFundMe said in a statement that people who donated money would get a full refund in the coming days.
- AP