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The bit about the phone getting hot and crashing hints at a vulnerability being used.

I would consider an android app sandbox escape bug to be the lowest level of difficulty in mobile phone exploit chains.

Really? In my mind that would be the most difficult. The simplest is telling a non-tech person to install a shady app, approve a bunch of permissions, and ask them to input even more information directly. The phone being hot can just be them running a crypto miner as they already maxed out the information she gave them. Or them intentionally crashing her phone to give themselves more time to siphon off accounts, avoiding her from contacting her banks and freezing cards.

I am more interested in the question if this was available on the app store or if the social engineering included her enabling 3rd party apps and side loading. A redacted copy of the chat would probably reveal a lot more how this worked.

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