Caught in a Bad Romance
02/12/2021
by Jim Kreidler, Federal Trade Commission
Millions of people turn to online dating apps or social networking sites to meet someone. But instead of finding romance, many find a scammer trying to trick them into sending money.
Romance scammers create fake profiles on dating sites and apps, or contact their targets through popular social media sites like Instagram, Facebook, or Google Hangouts. The scammers strike up a relationship with their targets to build their trust, sometimes talking or chatting several times a day. Then, they make up a story and ask for money.
In 2020, reports of gift cards being used to send money to romance scammers increased by nearly 70%. Gift cards, along with wire transfers, are the most frequently reported payment methods for romance scams. People said they mailed the gift cards or gave the card’s PIN number to the scammer. The median amount people sent romance scammers in 2020 using any method of payment was $2,500, more than ten times the median loss across all other fraud types.
Reports of money lost on romance scams increased for every age group in 2020. People ages 20 to 29 saw the most striking increase, with the number of reports more than doubling since 2019. People ages 40 to 69 were once again the most likely to report losing money to romance scams.7 And people 70 and older reported the highest individual median losses at $9,475.8
The Lies Romance Scammers Tell
They’ll often say they’re living or traveling outside of the United States. We’ve heard about scammers who say they are:
- working on an oil rig
- in the military
- a doctor with an international organization
We’ve heard about romance scammers asking their targets for money to:
- pay for a plane ticket or other travel expenses
- pay for surgery or other medical expenses
- pay customs fees to retrieve something
- pay off gambling debts
- pay for a visa or other official travel documents
Scammers ask people to pay:
- by wiring money
- with reload cards like MoneyPak or gift cards from vendors like Amazon, Google Play, iTunes, or Steam
Scammers ask you to pay by wiring money, with reload cards, or with gift cards because they can get cash quickly and remain anonymous. They also know the transactions are almost impossible to reverse.
How to Avoid Losing Money to a Romance Scammer
Here’s the bottom line: Never send money or gifts to a sweetheart you haven’t met in person.
If you suspect a romance scam:
- Stop communicating with the person immediately.
- Talk to someone you trust, and pay attention if your friends or family say they’re concerned about your new love interest.
- Do a search for the type of job the person has to see if other people have heard similar stories. For example, you could do a search for “oil rig scammer” or “US Army scammer.” You can also browse the comments on our blog posts about romance scams to hear other people’s stories:
- Do a reverse image search of the person’ profile picture to see if it’s associated with another name or with details that don’t match up – those are signs of a scam.
How to Report a Romance Scam
If you paid a romance scammer with a gift card, contact the company that issued the card right away. Tell them you paid a scammer with the gift card and ask if they can refund your money.
If you think it’s a scam, report it to the FTC at ftc.gov/complaint. Notify the website or app where you met the scammer, too.