The month of February is all about connection — sweet messages, thoughtful surprises, and celebrating the people who matter most. But unfortunately, this season of love is also a peak time for scammers who prey on emotions and trust.
For this week’s Fraud Friday, we’re shining a light on romance scams — how they work, the red flags to watch for, and how to protect yourself and the people you love.
What Is a Romance Scam?
A romance scam happens when someone creates a fake online identity to build a relationship with you — then uses that relationship to ask for money or personal information.
These scams often start on:
- Dating apps
- Social media platforms
- Online games
- Even through text messages
The scammer’s goal? Build trust quickly… then create a reason you need to send money.
Red Flags to Watch For
When it comes to protecting your heart — and your wallet — here are the biggest warning signs:
1. They Move Fast
They say “I love you” quickly.
They talk about a future together almost immediately.
They push for exclusivity within days or weeks.
Real relationships take time. Scammers rush the emotional connection.
2. They Want to Move Off the Platform
They quickly suggest moving your conversation from the dating app to:
- Text
- Telegram
This makes it harder to track or report them.
3. They Have a Complicated Story
Common scripts include:
- Working overseas (oil rig, military deployment, international doctor)
- Traveling for business
- Unable to meet in person for “just a little while longer”
If they always have an excuse not to meet or video chat live, that’s a major red flag.
4. They Ask for Money (in Any Form)
This is the biggest warning sign.
They may ask for:
- Emergency medical expenses
- Travel money to visit you
- Help getting out of a “temporary financial problem” (or even a "bad marriage")
- Gift cards
- Cryptocurrency
- Wire transfers
If someone you’ve never met in person asks for money — it’s a scam. Full stop.
5. They Ask You to Keep It Secret
Scammers often say:
- “Our love is private.”
- “Don’t tell anyone.”
- “Your family wouldn’t understand.”
Secrecy is how fraud grows. Real relationships don’t require financial secrets.
Protecting Yourself (and the Ones You Love)
This Valentine’s season, protect more than just your heart:
- Never send money, gift cards, or crypto to someone you haven’t met in person.
- Be cautious of investment opportunities introduced by someone you’re dating online.
- Reverse image search profile pictures if something feels off.
- Talk to a trusted friend or family member if you’re unsure.
- Pause before sending money — especially if you feel pressured.
Scammers rely on urgency and emotion. Taking a moment to breathe can save thousands of dollars.
If You Think You’ve Been Targeted
You’re not alone — and you’re not foolish. These criminals are skilled at emotional manipulation.
If you suspect fraud:
- Stop communicating immediately.
- Do not send more money.
- Report the profile on the platform.
- Contact your bank right away.
At Chambers Bank, we take fraud seriously. If something doesn’t feel right, reach out to your local branch. We’re here to help you protect what matters most.
This Valentine’s season…
Love should bring joy — not financial loss.
The right person will ask for your time, not your money.
They’ll build trust — not pressure you.
And they’ll never require a wire transfer to prove your affection.
From all of us at Chambers Bank, stay safe, stay smart, and share this with someone you love.
Because protecting our customers isn’t just part of our job — it’s part of our heart.