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They allegedly tricked women into relationships and accepted payments via wire over a three-year period.
Prosecutors said six of their victims live in Colorado.
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They allegedly established 20 personal and business bank accounts at 11 local banks for the purposes of laundering stolen money.
The business was listed under the name A-Team Distributions Inc. As part of the scheme, Tracy also allegedly used her own 16-year-old daughter to fraudulently receive stolen money and then wire it to Nigeria.
Scammers targeting online daters are breaking hearts and Diary of an online dating scam Man seduced by 'Aleksandra' goes.
The number of people defrauded in the UK by online dating scams reached a record high in 2016, the Victoria Derbyshire programme has.
Investigators believe there are 374 victims in all, from 41 countries including the United States, CBS Denver reported.
The indictment claims the mother-and-daughter scammers took a percentage of the stolen money and then wired the remaining money to associates in Nigeria.
Carol's Story - Dating Scam - Hoax-Slayer But Charlie is still at large, presumably in Nigeria, and there may be little hope of bringing him to justice. I am 53 years old and after the death of my fiance.
I called the FBI & police and filed a report to the internet fraud.
Robin Longmore, a financial intelligence development officer for West Mercia Police said: "Through our investigations we started to believe Vicky was a victim.