What is the online romance scam?
An online romance scam is a type of fraud where someone pretends to form a genuine romantic or emotional relationship in order to gain trust and eventually ask for money, financial help, or access to accounts. These scams often begin on dating apps, social media, or messaging platforms and can unfold slowly over weeks or months, making them especially difficult to recognize. The scammer’s goal is not a real relationship, but long-term access to a victim’s money or financial information.
How this scam usually works
Online romance scams typically start with an unexpected but friendly message, followed by frequent communication and emotional bonding. The scammer may claim to live or work far away, avoid meeting in person, and share convincing personal stories to build trust. Over time, they introduce a financial problem, investment opportunity, or urgent request for help, such as needing money for travel, medical bills, or emergencies. Payments are often requested through wire transfers, gift cards, cryptocurrency, or payment apps, which makes the money difficult or impossible to recover.
How to protect yourself
Protecting yourself from romance scams starts with slowing things down and keeping firm financial boundaries, even when a connection feels real. Be cautious of anyone who avoids video calls, refuses to meet, or pushes to move conversations off a platform quickly. Never send money, gift cards, or cryptocurrency to someone you have not met in person, and be skeptical of urgent requests or investment opportunities tied to personal relationships. Limiting the personal information you share and talking through concerns with a trusted friend can help surface warning signs early.
What to do if you’ve been affected
If you believe you have been targeted or already sent money, stop communicating with the person immediately and do not send additional funds. Save messages, payment records, and profile information, then report the account to the platform where the interaction began. You should also report the scam to the FTC at ReportFraud.ftc.gov and contact your bank or payment provider as soon as possible. Many people experience romance scams, and acting quickly can help reduce further harm.