FRAUD RESOURCE CENTER
En español | More and more Americans are turning to dating websites and mobile apps in hopes of finding love and companionship. A Pew Research Center study revealed that nearly 60 percent of U.S. adults consider online dating a good way to meet people, and Match.com, one of the most popular dating sites, says people 50 and older represent its fastest-growing share of users. But seeking romantic bliss online can have a major downside: Cyberspace is full of scammers eager to take advantage of lonely hearts.
The con works something like this: You post a dating profile and up pops a promising match — good-looking, smart, funny and personable. This potential mate claims to live in another part of the country or to be abroad for business or a military deployment. But he or she seems smitten and eager to get to know you better, and suggests you move your relationship to a private channel like email or a chat app.
Over weeks or months you feel yourself growing closer. You make plans to meet in person, but for your new love something always comes up. Then you get an urgent request. There’s an emergency (a medical problem, perhaps, or a business crisis), and your online companion needs you to wire money quickly. He or she will promise to pay it back, but that will never happen. Instead, the scammer will keep asking for more until you finally realize you’ve been had.
Phony suitors also seek out targets on social media, and they are increasingly active. The Federal Trade Commission (FTC) received more than 25,000 reports about romance scams in 2019, a nearly threefold increase since 2015. Victims' losses totaled $201 million, almost 40 percent more than in 2018 and the most for any type of consumer fraud.
The older the victim, the heavier the financial toll, according to the FTC — the median individual loss for people aged 70 and over was $10,000, compared to $2,600 for all victims.
Romance scammers are smooth operators and can take their time to set their trap. Watch out for these red flags if you’re looking for love and companionship online.
- Your new romantic interest sends you a picture that looks more like a model from a fashion magazine than an ordinary snapshot.
- The person quickly wants to leave the dating website and communicate with you through email or instant messaging.
- He or she lavishes you with attention. Swindlers often inundate prospective marks with texts, emails and phone calls to draw them in.
- He or she repeatedly promises to meet you in person but always seems to come up with an excuse to cancel.
- Do take it slowly. Ask your potential partner a lot of questions, and watch for inconsistencies that might reveal an impostor.
- Do check the photo, using Google’s “search by image” feature. If the same picture shows up elsewhere with a different name attached to it, that’s a sign a scammer may have stolen it.
- Do be wary of flirtatious and overly complimentary emails. Paste the text into a search engine and see whether the same words show up on websites devoted to exposing romance scams.
- Do cut off contact immediately if you begin to suspect that the individual may be a swindler.
- Do notify the dating site or the maker of the dating app on which you met the scammer.
- Don’t feel a false sense of safety because you’re the one who made first contact. Scammers flood dating websites with fake profiles and wait for victims to come to them.
- Don’t reveal too much personal information in a dating profile or to someone you’ve chatted with only online. Scammers can exploit details like your last name or where you work to manipulate you or to commit identity theft.
- Don’t ever give an online acquaintance intimate photos that could later be used for extortion.
- Don't send cash to someone you've chatted with only online or put money on a reloadable gift card for the person — you’ll never get it back.
Updated February 12, 2020
About the Fraud Watch Network
Whether you have been personally affected by scams or fraud or are interested in learning more, the AARP Fraud Watch Network advocates on your behalf and equips you with the knowledge you need to feel more informed and confidently spot and avoid scams.
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