AARP Hearing Center
Key takeaways
- Scammers create fake personas or pretend to be someone they’re not — easily done with AI.
- Romance scammers build trust over weeks or months before making urgent financial requests.
- Red flags include requests to move discussions to private platforms, love bombing and repeated excuses to avoid meeting.
Read the wedding announcements in any newspaper, and there’s sure to be at least one couple who describes how they met through a dating site. Countless people have found love online, but meeting people virtually comes with risks: Scammers can easily use the anonymity of the internet to create fake personas and deceive people looking for romance.
Since scams are notoriously underreported, it’s hard to pinpoint the precise number of victims. But a 2026 AARP romance scams survey of more than 1,000 American adults age 50 and older found that 1 in 10 respondents reported having interacted with a potential romantic partner online who eventually requested money or encouraged them to invest in cryptocurrency. People ages 50 to 64 were more than twice as likely to report this occurring as those 65 and older. The researchers surmise that this is “likely in part because [the younger group tends] to be more active and engaged online, increasing their exposure to potential scammers.”
And more than 70,000 people reported romance scams to the Federal Trade Commission (FTC) in 2025. Romance scams are a subcategory of impostor scams, to which victims reported having $3.5 billion stolen that year (again, likely a vast undercount).
False Romeos and Juliets are not just confined to dating sites, of course. Criminals also target potential victims in messages through social media platforms such as Facebook and Instagram.
What sets romance scams apart from other scams, says Mark Solomon, president of the International Association of Financial Crimes Investigators, is that instead of an urgent appeal for immediate payment, the criminal moves slowly. They will communicate many times, he notes, sometimes over a span of weeks or months, to gain the victim’s trust “and make an emotional connection.”
Then comes the urgent request for money or mention of an investment opportunity.
When the scam is revealed, victims are often devastated: They have to grapple with having lost their savings, in some cases, while mourning the loss of what they thought was true love.
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