"Her wrapped it all around my face and my nose and my eyeglasses," she said.
"He had a piece in my mouth."
The woman said her ruse worked at just the right time, as the suspect had already taken off her pants and removed his own, she told Philly.com.
The suspect had put a box of condoms on Reynolds' nightstand just before she told him the lie that she credits for saving her life.
Reynolds then "kicked him where it hurt him the most," she said.
The suspect used wire from his coat pocket to bind Reynolds' ankles before using her bathroom. He also took batteries out of her two house phones and about $40 from her purse before leaving her apartment.
The home invasion is not related to another in the area just five days later, when a 72-year-old woman was choked unconscious, tied up and thrown into a closet for four days. A 17-year-old boy who escaped from a behavioural health facility was charged with attempted homicide, robbery and related offences in that incident.
Police said Ms Reynolds was not seriously injured and investigators were reviewing video surveillance footage from the area in hopes of locating him.