Business

From the Bureau: Protect yourself from romance scams

Romance scams are different from other scams. They prey on lonely people looking to connect with someone, and often can take months to develop to the point where money changes hands.

The emotional harm to the victim can be even more painful than the monetary loss.

The spread of online dating sites and apps has made this fraud even easier to commit. Victims in the United States and Canada have reported losing nearly $1 billion over the past three years, and BBB estimates there may be more than a million victims in the United States alone.

Because most people do not file complaints about romance scams with BBB or law enforcement, this may just be the tip of the iceberg.

Online dating and social media have made it easier than ever to meet new people and find dates. Unfortunately, it has made scammers’ work simpler, too.

Con artists create compelling back stories and full-fledged identities, then trick you into falling for someone who doesn’t even exist. This form of deception is known as “catfishing.”

Sometimes a catfisher is simply a lonesome person hiding behind a fake persona. But often it is the first step in a phishing scheme to steal personal information or a romance scam to trick you out of money.

In some cases, victims have been tricked into moving illegal money from other scams (“money mule”), which is potentially a crime.

How the Scam Works

Most romance scams start with fake profiles on online dating sites created by stealing photos and text from real accounts or elsewhere.

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Scammers often claim to be in the military or working overseas to explain why they can’t meet you in person.

Over a short period of time, the scammer builds a fake relationship with you, exchanging photos and romantic messages, even talking on the phone or through a webcam.

Just when the relationship seems to be getting serious, your new sweetheart has a health issue or family emergency, or wants to plan a visit.

No matter the story, the request is the same: They need money.

But after you send money, there’s another request, and then another. Or the scammer stops communicating altogether.

Tips to Spot This Scam

Too hot to be true — Scammers offer up good-looking photos and tales of financial success.

Be honest with yourself about who would be genuinely interested. If they seem “too perfect,” your alarm bells should ring.

In a hurry to get off the site — Catfishers will try very quickly to get you to move to communicating through email, messenger, or phone.

Moving fast — A catfisher will begin speaking of a future together and tell you they love you quickly. They often say they’ve never felt this way before.

Talk about trust — Catfishers will start manipulating you with talk about trust and how important it is. This often will be a first step to asking you for money.

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Don’t want to meet — Be wary of someone who always has an excuse to postpone meeting because they say they are traveling or live overseas or are in the military.

Suspect language — If the person you are communicating with claims to be from your hometown but has poor spelling or grammar, uses overly flowery language or uses phrases that don’t make sense, that’s a red flag.

Hard luck stories — Before moving on to ask you for money, the scammer may hint at financial troubles such as heat being cut off or a stolen car or a sick relative, or they may share a sad story from their past — death of parents or spouse, for example.

Protect Yourself

Never send money or personal information that can be used for identity theft to someone you’ve never met in person.

Never give someone your credit card information to book a ticket to visit you.

Cut off contact if someone starts asking you for information such as credit card, bank or government ID numbers.

Ask specific questions about details given in a profile. A scammer may stumble over remembering details or making a story fit.

Do your research. Many scammers steal photos from the web to use in their profiles. You can do a reverse image lookup using a website such as tineye.com or images.google.com to see if the photos on a profile are stolen from somewhere else.

You also can search online for a profile name, email or phone number to see what adds up and what doesn’t.

• Bobby Hansen is regional director for the Better Business Bureau Cedar Rapids office; (319) 365-1190.

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We value your trust and work hard to provide fair, accurate coverage. If you have found an error or omission in our reporting, tell us here.

Or if you have a story idea we should look into? Tell us here.