Not everyone using online dating sites is looking for love. Scammers create fake online profiles using photos of other people — even stolen pictures of real military personnel. They profess their love quickly. And they tug at your heartstrings with made-up stories about how they need money — for emergencies, hospital bills, or travel. Why all of the tricks? They’re looking to steal your money.
As if all that isn’t bad enough, romance scammers are now involving their victims in online bank fraud. Here’s how it works: The scammers set up dating profiles to meet potential victims. After they form a “relationship,” they come up with reasons to ask their love interest to set up a new bank account. The scammers transfer stolen money into the new account, and then tell their victims to wire the money out of the country. Victims think they’re just helping out their soulmate, never realizing they’re aiding and abetting a crime.
Here are some warning signs that an online love interest might be a fake. They ask you to:
- chat off of the dating site immediately, using personal email, text, or phone
- wire money using Western Union or Money Gram
- set up a new bank account
Did you know you can do an image search of your love interest’s photo in your favorite search engine? If you do an image search and the person’s photo appears under several different names, you’re probably dealing with a scammer. And if the person’s online profile disappears a few days after they meet you, that’s another tip-off.
Here’s the real deal: Don’t send money to someone you met online — for any reason. If your online sweetheart asks for money, you can expect it’s a scam.
Unfortunately, online dating scams are all too common. There may be tens of thousands of victims, and only a small fraction report it to the FTC. If this happens to you, please report it at ReportFraud.ftc.gov.
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You can report this to the US Federal Trade Commission. Go to ftc.gov/complaint and tell what happened. The details you give will go into a database that law enforcement use for investigations.
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Your name, email address and photos are the kind of information that is often available already on online directories or social media sites or group emails that you sign up for. If you responded to a scammer, you might get more emails from other scammers.
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The US Army warns people about scammers who pretend to be members of the military. The Army says:
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If someone you met online, and never met in person, asks you to open a new bank account that is a warning sign. That online love interest might be a fake.
If you open a bank account for someone you met online, and give them the account information, they could use the account for fraud. A scammer could deposit a bad check in the account and quickly take out the money before the bank learns the check is fake. When the bank finds out the check is fake, you will have to repay the money, because it's your account.
Or, the scammer could deposit a bad check and ask you to take out the money and send it by wire transfer. When the bank finds out the check is no good, you will have to repay the money, because it's your account.
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If someone you met online, and never met in person, asks you to open a new bank account, it's a warning sign.
If you open a bank account for someone you met online, and give them the account information, they can use the account for fraud. They can deposit bad checks in the account and then quickly take out the money before the bank learns the check are fake. When the bank finds out the check is fake, you will have to repay the money, because it's your account. This FTC blog about card cracking says more about the scam.
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