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Looking for Love? Here’s How to Avoid Romance Scams Online

AARP's guide to staying safe when meeting new people on dating sites or social media


a scammer and older adult text each other
Giulia Calistro

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 take advantage of people looking for romance.

Since scams are notoriously underreported, it’s hard to pinpoint the precise number of victims. But AARP’s recent 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 nearly 60,000 people reported romance scams to the Federal Trade Commission (FTC) in 2024 (2025 figures aren’t yet available). Romance scams are a subcategory of impostor scams, to which victims reported losing a jaw-dropping $2.95 billion that year.

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 an investment suggestion. 

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.

cartoon of a woman holding a megaphone

Have you seen this scam?

  • Call the AARP Fraud Watch Network Helpline at 877-908-3360 or report it with the AARP Scam Tracking Map.  
  • Get Watchdog Alerts for tips on avoiding such scams.

How to spot a romance scam

To avoid placing your trust in the wrong person, pay close attention to these red flags: 

  1. A ‘wrong number’ text. If you reply, you’ll soon find yourself in conversation with them. “All of a sudden, they create a relationship out of thin air,” says Solomon.
  2. They want to talk to you directly. If you met on a dating site, they’ll quickly ask for your number or suggest communicating via WhatsApp or another messaging platform. “They want to take you off those sites because those companies have the ability … to identify [scammers] and block them,” says Solomon.
  3. They live far away. You can’t meet in person — yet — because they claim to live in another part of the country or to be abroad for business, a military deployment or charity work.
  4. They are constantly in contact. They love bomb you (lavish you with attention), texting at all hours and promising a life together.
  5. You make plans to meet, but something always comes up. Just as they’re finally on their way to meet you, there’s a last-minute crisis.
  6. They need money for an emergency. Your online companion has a sudden medical problem, legal crisis or business disaster; they need cash fast and you’re the only one who can help.
  7. They have an investment opportunity. They have a relative who’s done well in cryptocurrency, and they want you to benefit from their knowledge.

How to avoid romance scams

The best way to avoid getting involved with a romance scammer is to protect yourself from the get-go.  

Be careful not to overshare online. “People don’t realize that they are setting themselves up to become a target… They overshare about their recent heartbreak or the fact that they’ve been recently widowed,” cautions Petros Efstathopoulos, vice president of research at RSAC, which provides conferences, insights and education for global cybersecurity experts. “The scammer immediately knows that this person is vulnerable [and] how to target them.”

Make sure your social media account is set to private, so strangers can’t find any of your personal information.

Block scammers’ communications. Set up filters in your email and use spam-blocking programs for texts and calls. Also avoid answering unknown numbers.  

Discuss new love interests with family and friends. Experts agree that this is the best way to prevent being scammed. Talk to someone you trust to get an outside perspective. This is particularly true if the person in question asks you to keep the relationship secret (a big red flag).  

Investigate suitors. Do a reverse image search. If the same picture shows up elsewhere with a different name attached, a scammer may have stolen it. And research their background, “get as much information from this individual [as you can] without giving away your own information and try and verify that information,” says Solomon.

What to do next

If you realize a romance scammer is targeting you:

Cut off contact. Immediately stop communicating if you suspect the individual may be a scammer. Do not re-engage with them. Notify the dating or social media site on which you met the scammer.

Report the scammer to local law enforcement (follow these tips) and the FBI’s Internet Crime Complaint Center (IC3.gov). Not every complaint leads to enforcement action, but the information can help officials spot trends and sometimes identify the criminals. 

For support and guidance, call the free AARP Fraud Watch Network Helpline at 877-908-3360, where trained fraud specialists can share information on what to do next and how to avoid future scams. The AARP Fraud Watch Network also offers online group support sessions.

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This article, first published in 2018, has been updated with new information.

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