Lyne Barlow, 39, formerly of Stanley, County Durham, was charged in July with 18 counts of fraud and another of money laundering.
Durham Constabulary said several hundred alleged victims came forward during the course of its investigation.
Barlow, who was arrested in September 2020, appeared at Newton Aycliffe Magistrates’ Court on Monday (5 September) where she did not enter a plea.
She was granted unconditional bail with instruction to appear at Durham Crown Court on 3 October.