Protecting Yourself from Romance Scams: A Guide for Seniors

July 2025

Romance scams target people seeking companionship, often through dating websites, social media, or even phone calls. Scammers create fake profiles and identities to build emotional connections, then exploit these relationships to steal money. Seniors are frequently targeted because they may have retirement savings and feel more isolated.

Red Flags to Watch For

Too Good to Be True Profiles: Be suspicious of someone who seems perfect, has very professional photos, or claims to be widowed military personnel, doctors, or engineers working overseas. Scammers often use stolen photos of attractive people.

Rapid Emotional Escalation: Someone who professes love within days or weeks, uses overly romantic language, or tries to move the relationship off the dating platform quickly should raise concerns.

Requests for Money: This is the biggest warning sign. Scammers create emergencies—they’re stranded abroad, have a sick family member, need help with travel costs, or face legal troubles. They may ask for gift cards, wire transfers, or cryptocurrency.

Avoids Phone or Video Calls: Legitimate people want to talk. Scammers make excuses about poor connections, broken phones, or work restrictions to avoid real-time communication that could expose their deception. They may even go as far as asking for $$ for plane tickets to come see you, but those promises never materialize.

Inconsistent Stories: Pay attention to details. Scammers often forget what they’ve said previously or provide information that doesn’t match their supposed background.

How to Protect Yourself

Verify Their Identity: Use reverse image searches on their photos by uploading them to Google Images or TinEye. Ask specific questions about their claimed hometown or profession. Request a video call or phone conversation.

Keep Personal Information Private: Never share your full name, address, financial information, or Social Security number. Scammers use this information for identity theft.

Talk to Trusted Friends or Family: Share your new relationship with people you trust. Fresh eyes can often spot red flags you might miss when emotions are involved.

Never Send Money or Gifts: Legitimate romantic interests don’t ask for financial help, especially early in a relationship. This includes gift cards, wire transfers, checks, or cryptocurrency.

What to Do If You’re Targeted

Don’t Be Embarrassed: Romance scams are sophisticated, and falling for one doesn’t reflect your intelligence. Scammers are skilled manipulators who study human psychology.

Stop All Contact: Block the scammer on all platforms immediately. Don’t engage further or try to “get back” at them. Walk away for good. They aren’t legitimate relationships, so you don’t owe them an explanation.

Report the Scam: Contact your local police, file a report with the FBI’s Internet Crime Complaint Center (IC3.gov), and report the fake profile to the dating site or social media platform.

Protect Your Finances: If you’ve sent money, contact your bank immediately. If you shared personal information, monitor your credit reports and consider placing a fraud alert on your accounts.

Seek Support: Contact the AARP Fraud Watch Network Helpline at 1-877-908-3360 or speak with a counselor about the emotional impact of being scammed.

Remember…Legitimate relationships develop naturally over time and include in-person meetings or regular video calls. Trust your instincts—if something feels wrong, it probably is. The desire for companionship is urself financially and emotionally should always come first. Stay connected with family and friends, and don’t let loneliness make you vulnerable to those who would take advantage of your generous heart. If I can help. I am here.