"We don't know yet if the money was for personal use, living, or if she sent it over for this lottery," he said.
"Even if she was duped and still believed she would get this money eventually from the Nigerians, she is still lying to those people and telling them it was legitimate," the police chief said. "She acquired money by false pretense... I guess she did whatever she did to get the money. When it all pans out we'll find out where money went to."
"We didn't find a mattress full of money, but we haven't gotten all her bank records yet," he said.
Thinking of the alleged victims, Turner added, "If she sent it away to these guys [in Holland], we're never getting any of it back."
Among the alleged victims was Siegel's pastor.
"She said she had a mission in Guatemala somewhere and she was supporting it and some of our church members gave money for it," Pastor John Sabo of the Brooksville Seventh-Day Adventist Church told ABC's affiliate WTFS.
Turner, like Siegel's neighbors, is baffled by her actions.
"It's hard to get inside of her head, but when we did search we found she actually downloaded articles about Internet lottery scams, and highlighted areas, sections that said no lottery would make you pay to get your money. And yet that's what she's did," he said.
According to reports, Siegel was president of a local travel agency, Around The Earth Travel Inc., until July and she told neighbors she was living of Social Security and a meager savings.
ABC News' Brian Cohen contributed to this report