I'm afraid you have little choice.  If I were you I would wright off that $100 as an educational expense.  You're unlikely to see a penny returned from that user.  I have little doubt that the account is nothing but a throw-away sockpuppet created to scam some peanuts from an unwitting lender.  The excuse is as flimsy as it gets, and the only reason for logging on and posting was to troll all the neigh-sayers.