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Image of cupid and heartNot 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.

A woman looking at a dating site on her computer.

Search Terms
bank account
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military
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online dating
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Topics
Shopping and Donating
Scams
Romance Scams

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The purpose of this blog and its comments section is to inform readers about Federal Trade Commission activity, and share information to help them avoid, report, and recover from fraud, scams, and bad business practices. Your thoughts, ideas, and concerns are welcome, and we encourage comments. But keep in mind, this is a moderated blog. We review all comments before they are posted, and we won’t post comments that don’t comply with our commenting policy. We expect commenters to treat each other and the blog writers with respect.

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  • We won’t post comments that include personal information, like Social Security numbers, account numbers, home addresses, and email addresses. To file a detailed report about a scam, go to ReportFraud.ftc.gov.

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Pinkpanther
August 01, 2018

In reply to by Vintagegal

Vintagegal. I was scammed also by James Huckaby and he found me on Match.com on Feb. 10, 2017. Would you contact me and be willing to exchange information with me. He called me two or three times a day for 16 months. I fell hard for him and he broke my heart and stole money legally by Robbery by Trickery. I filed a police report last March. He is a brilliant professional at this criminal activity. Same story as you. As of four weeks ago he “has been in a camp for an oil drilling project outside of Moscow, Russia since Feb 29 2017. A contract job for private owners which was supposed to last 6 weeks and he claims to need $60,000 to get the job finished and come home. Claims he lost his backpack last March in Moscow and it had m$450,000 in cash and all his personal credit card, ID and passport. Was supposed to come to Los Angeles last year on March 29 (sent me the airline voucher ) and it was cancelled telling me the owners told him he could not leave til project was finished or they would sue him and not pay him. Told me the contract was paying him $750,000. He said he did not have any money. To buy food or eat. Etc. etc. etc. any reply to me is appreciated. Thanks.
aandma89
February 15, 2018

Guys, I really need your help. I have an older brother who has a "relationship" whit a Chinese woman from china, he met online. He met her last November and they already say "I love you" to each other already. My problem with their relationship is she's always asking for gifts and and money to pay for school to teach her english. I really try telling my brother it's a scam but he's not buying it. About a month ago his "girlfriend" ask him for $800 to invest in a company in china. I forgot the name of the company he "invested" his money to but, He told me it's a Chinese company thats partnering up with Nintendo. Here's the tricky part now. He gave her the money and she says she knows a "broker". Now she's promising him a check for $10,000 and she's flying out to Chicago to visit him with his check. It get's even more trickier! When my brother was finally realizing all the red flags, he got mad at her. Again, she played with her heart. She asked for $60 for he "english school" but he said NO! A few days later, she sends my brother a picture of her plan ticket to Chicago. I downloaded a translator app on my phone. I took the picture and scanned it. Everything seems legit because the ticket says arriving to Chicago O'Hare. (Note that the plan ticket is in Chinese) Now because she sent him the picture of her plan ticket, he gave her the 60 bucks :( Can someone please let me know it's a scam and explain it so I can show him

sadandlost
February 10, 2018
Has anyone encountered a man that goes by the name of James Hudson. Says he is in Dubai and has encountered an issue with his shipment of gold bars. Doesn’t have the money to pay custom and document fees?
Beenscamed
March 21, 2019

In reply to by sadandlost

Yes - James Hudson is currently scamming me. Says he's in Musca Oman and officials took passports away because of shipment issues. Calls me baby and loves me ...blah blah. I did send him $3,000 he said that wasn't enough to get his team out.
chrissy
February 10, 2018
Has anyone been scammed by a george hunter who claims to be a oil well contractor that has worked in Russia? Canada?
Patrick678
February 11, 2018
So hey i get messages from Nigerian Scammers on a daily basis and i used to get irritated however i have my own little story and i love it. I figure if they cant be real with us then they deserve to be hurt.
Jake
February 12, 2018
I think my sister is being scammed by a George Hunter, claims to be an oil contractor recently working in Russia. Has anyone heard of him.
Joey
February 12, 2018
I have the same siutation, i wanna warn the guy whose photo got stolen but couldnt find any. But i reported to police. Its spreading among Asia
Anita
February 12, 2018
The man I met on internet is a mystery. He is strong and rugged. Never married. He likes working on computers. I would like to think he is real. He says he wants to meet me. He is not in the states. Should I keep my guard up? When do we know that he could be ok.
Maggie
February 12, 2018
I have just received this . Is it a scam please. Hello honey how are you doing. Baby have contact my bank concerning my finance to be able to complete with my business here and come back home to you, but unfortunately they can’t do anything because I am supposed to be there due to so much security on my account. And also it’s my personal account so I have to be home to be able to control or withdraw money. But if they can help me then I must make a power of attorney to someone I can trust who can handle my money as in being my beneficiary and they could make wire transfer to such person on my behalf but it must not be outside the country but within the country or development country such is Europe,Asia,uk..I have thought very well about it and it’s only you I can trust so I have decided to write a power of attorney letter to my lawyer home and also to my bank with your name as my wife to be and also my next of king.This way my money will be transferred into your account then you can finance me with what I need here.all I want you to do for me is to understand and be willing to help me take this money from my bakers. Please this is the least you can do to help me here. I am not worried giving you my money because I do trust you and I love you so much.
FTC Staff
February 12, 2018

In reply to by Maggie

This looks like a message from someone asking you to be named as his wife and accept money into your bank account.

You said you just received it, so I think this is not really from your husband or from someone you know. It looks like a scam.

Some scammers want to transfer stolen money, but they don't want to get caught with their name on the account. They find people online and ask their new friend to do a big favor and accept a deposit and transfer money for them. If you get involved with a scheme like that you could lose money and personal information. You could get into legal trouble.

Graceful
February 12, 2018
Why are you all sending these Scammers Money, I'm talking to one and he has yet to ask me for Money, so far he said he is lacking nothing, But we have good Chatting and Emails so I'm going to ride this out and the minute he cross the line he will be deleted.
Jennifer
February 13, 2018
I wonder if Jack Smith and Coleman Alston are one of the same? At first I was talking with Jack Smith then he had me go out to hangout and his name changed to Coleman Alston. Is that fishy? He tells me he is out to sea and has no way to get to his funds and had asked me for itune cards or a vanilla card? Really?
Nkshigrl
February 13, 2018
I had 3 separated occasions on Facebook that 3 men try to scam me. 1st guy is Micheal Hilton he claim he is half Caucasian and half Latino and his job is Petroleum Engineers and he is a widow. that he want to get to know me because he have fallen for me. I did a reverse image search and found out he was using another guy picture, so I contacted the other person to let him know scammer are using his pictures. The 2nd scammer goes by Lee Bill Nguyen a Vietnamese single father who wife left him and they daughter a long time ago. In his profile he use to use the name James but later change it to Lee bill Nguyen. He is a business man that deal with uncut stone and has a daughter name Crystal. He claim he live in North Carolina, but when I ask what time it would be and he told me a 4 hours ahead time when North Carolina is just 3 hours ahead of me. The last clue i knew Lee is a scammer is he actually live in africa. The 3rd scammer he goes by the name James Nguyen a music teacher from Vietnam that is 47 years old. Who wife died from skin cancer and he is in west Africa on a business trip to buy gold to resell in the U.S. I actually fall for him. He had picture a couple pictures of him self and a group picture of him drinking with friends. We chatted for 2 days and he had fallen in love with me already and he talk about wanting to meet my parents so I just block him. A month later I decided to unblocked him thinking he would forget about me already. Surprise surprise Jan 19 James find me on messenger and ask how was I doing and decided to give him a chance to get to know me. He was the same way even more worse then before. He told me he had gift for me and that he in Africa that why he lost contact with me, but I told him I block you because you were creepy. He just tell me things like I mean everything to him and that he want to get married with me and how much he love me. After I told him I be his gf and I told him I love him. That is when I realized I was being scam he ask for me to lend him 1000 dollars so he can transfer the money to the gold agent so I told him to sell his kidney to the black market in Africa. He would pay me back in double because he have a million dollar in his account but lost his debit card. He even try to get me to send him my credit card because he was supposed to come home but was robbed so he need my credit card to come back to me. I told him no the card need to be under his name not mine and I sent him a application for a credit card lol. He all giving me this crap about how I don't love him anymore and he does not want to come home to me anymore. I also told him he don't need a credit card just call your family and friend for money. When he knew that am not giving my credit card to him he ask for my number. I wrote back your not even from the United States are you and he block me right away.
Britt
February 13, 2018

Please be careful. I was sucked in to a fake relationship the past few weeks, luckily I didn't fall for it. He used the name Brian Stone, he said he was a lieutenant with the US Army. He gave me a story about how his wife had died five years ago and he was just attempting to date for the first time. If you look at the classic scamming definitions we played right into it. He wanted to email off the dating site right away and he fell in love with me quickly. He wrote all the right things at all the right times. Then he asked for money, he said he didn't want to get me involved but he needed money to come home and he couldn't send it directly so he needed someone in the states to send it for him. I was to contact someone at the email address derek.j99 @yahoo.com, I never did. I told him I was not comfortable with the situation and I have not heard form him since. Just be aware, he uses the email address stonebrian44 @gmail.com as well as brianstone111 @yahoo.com.

Diva1958
February 13, 2018
A guy using the name of Frank Strait from Arizona, Ohio, Brazil and Sweden is scamming women. His picture is not him of course but a gorgeous Swede. I talked to him and his accent is deep African like Nigeria. Said he went to Brazil on business and got robbed and wanted me to send him $4267. I told him no of course as I knew he was a con. Ladies, please be aware of a Frank Strait or Frank Straits. Big time con.
Fed up
February 16, 2018

In reply to by Diva1958

Sounds like the same scammer he was working in brazil got robbed and needed me to send him money his name was paul james i called his job were he suppose to work in Oklahoma and they sent him to brazil his work said they do not know him and they do no work out of the country confronted him and he deleted his facebook
stone
February 13, 2018
why are people talking bad about me here.. I saw my email n was accused of scamming a woman of $5000. i dont know who this woman is. Pls FTC verify your information
Charlene
February 13, 2018
Does anyone know of a Michael Luna who states he is a doctor in Afghanistan and does not have access to his account. His wife died. One son named Roland. He fell in love very fast. Wanted me to take on Roland as if he were my own. Never married. He asked me to send funds for Christmas. Knowing my financial status is not that good either. Anyway nothing was sent. Michael kept being persistent and tried to make me feel guilty. I notice he liked talking on Hangout. He said not to call him directly because of the nature of where he is at and all that he could get into trouble. He said his boy was malnourished in a boarding school. But as I was reading about boarding schools not all are that bad not saying they are good for children what choices does one have when father is always away. I just felt uncomfortable the way he pressured me in sending money and did not give me one word edgewise on my financial situation and I had asked for receipts. Like if I were to send money I would like receipts for support, right. Well he did not like that. He said that he had his phone to look up his friends special friends. blah, blah. I blew him off. Too me he was more snotty and he dresses up in his picture with flowers.
No Fool
February 13, 2018
Tip offs it's a scam: working in the military (really, at 50+) overseas, engineers on oil rigs, doctors working in foreign countries. etc. Usually has a deceased wife and children living back home that need money. Showering you with poetry and messages of undying love, asking for your bank account number, etc. They can't fool me.
Nkshigrl
February 13, 2018
I had 3 separated occasions on Facebook that 3 men try to scam me. 1st guy is Micheal Hilton he claim he is half Caucasian and half Latino and his job is Petroleum Engineers and he is a widow. that he want to get to know me because he have fallen for me. I did a reverse image search and found out he was using another guy picture, so I contacted the other person to let him know scammer are using his pictures. The 2nd scammer goes by Lee Bill Nguyen a Vietnamese single father who wife left him and they daughter a long time ago. In his profile he use to use the name James but later change it to Lee bill Nguyen. He is a business man that deal with uncut stone and has a daughter name Crystal. He claim he live in North Carolina, but when I ask what time it would be and he told me a 4 hours ahead time when North Carolina is just 3 hours ahead of me. The last clue i knew Lee is a scammer is he actually live in africa. The 3rd scammer he goes by the name James Nguyen a music teacher from Vietnam that is 47 years old. Who wife died from skin cancer and he is in west Africa on a business trip to buy gold to resell in the U.S. I actually fall for him. He had picture a couple pictures of him self and a group picture of him drinking with friends. We chatted for 2 days and he had fallen in love with me already and he talk about wanting to meet my parents so I just block him. A month later I decided to unblocked him thinking he would forget about me already. Surprise surprise Jan 19 James find me on messenger and ask how was I doing and decided to give him a chance to get to know me. He was the same way even more worse then before. He told me he had gift for me and that he in Africa that why he lost contact with me, but I told him I block you because you were creepy. He just tell me things like I mean everything to him and that he want to get married with me and how much he love me. After I told him I be his gf and I told him I love him. That is when I realized I was being scam he ask for me to lend him 1000 dollars so he can transfer the money to the gold agent so I told him to sell his kidney to the black market in Africa. He would pay me back in double because he have a million dollar in his account but lost his debit card. He even try to get me to send him my credit card because he was supposed to come home but was robbed so he need my credit card to come back to me. I told him no the card need to be under his name not mine and I sent him a application for a credit card lol. He all giving me this crap about how I don't love him anymore and he does not want to come home to me anymore. I also told him he don't need a credit card just call your family and friend for money. When he knew that am not giving my credit card to him he ask for my number. I wrote back your not even from the United States are you and he block me right away.
Rita
February 20, 2018

In reply to by Nkshigrl

I think when these men fall in love all at once without meeting you and really getting to know you that gut feeling should set in. Its not normal falling in love like that and then ask for support from you. Also I got to the point when they ask I ask for receipts then they back off. I block them anyway. They are running rampant on Facebook. I reported 2 already. I also check who their friends are and it seems like mostly women. I also check their likes and their interests. To me it checked out they are trouble. Stay on guard if you choose to find him online.
Just wondering..
February 13, 2018
Does anybody recognize this? He says his name is Bruno Victor from Houston. Work´s on ConocoPhillips as engineer..
Frannie
February 14, 2018
I've been talking to a guy who claims he's an Engineer, Braden Alton and he's an orphan. Has an 8 yr. daughter and lost his wife about 6 years ago. He said he won the bid to work in Turkey, but that customs had seized all hsi equipment and papers so he's stuck there. Now he's asking me for the name of my bank so he can have Santander Bank send me a check in my name so I can cash it for him and put it in an account in his tour guides name. He sounds so desperate but I don't know if it's a scam. He sent me a copy of his passport which I don't know is legit.
FTC Staff
February 15, 2018

In reply to by Frannie

That could be a scam. When criminals want to send and receive stolen money, but don't want to use their own names, they get someone else to do the dirty work.

They might start an online relationships and ask their new friend to accept a deposit, cash it and then transfer money for them. If you get involved with one of these schemes, you could lose money and personal information, and you could get into legal trouble.

Notnice
February 21, 2018

In reply to by Frannie

He’s fake! I was scammed by this same guy with the same scenario and his daughter is in boarding school in the UK and she need money to travel with her school. He asked for $700 for her birthday and travels with her school. He was unable to send her any funds because all of his money was tied up with his project in Turkey and his equipment was held at customs. He sends pictures all the time and sounds legit but desperate because he’s going to lose his project to the locals. I did wire his daughter some funds but I found out the bank rejected the transfer because of a new code that the UK needed to process so I lucked out. He got really irate and told me to send the funds western union. I blocked him afterwards.
Lucy
March 02, 2018

In reply to by Frannie

Yes, exactly same story but different name. He claimed his name charles erik walter and his daughter name is joanne. From Houston.
justinenj
November 19, 2019

In reply to by Lucy

My gram has been in a scam relationship for 4 years and now knows it and still communicating she has sent him almost all of her money monthly and now is waiting on a settlement for my deceased grandfathers death this man is sending photos that is of the latino and white older man named Scott Adkins on hangouts originally contacted her via fb same scam stories about the engineer and he is still contacting her claiming he just loves her etc I have multiple photos of this man the last receipt was to a Joanne Reading in Northern Ireland , Great Britain I'm hurting trying to figure out how to really catch him and end this please help me and please anyone reading this if you're being contacted by this group of people it is a scam and I'm praying that they stop this is just not right
What H*ll
February 14, 2018
Any one heard of a sofia wells? She says she needs 350$ if I wanna see her cuz of her job, said her boss won't let her leave, claims she will pay me back, stated that she is staying in a hotel near me and what not, made a mistake of trading photos and she's trying to blackmail me with that
Concerned Daughter
February 15, 2018
Anyone being scammed by a US General that goes by the name Philip Breedlove? If so, could you share your story? I think my mom is being scammed but she won't believe me when I try to show her all the red flags.
Linda S
February 15, 2018
Does anyone know a Sargeant James Wright? He's on Instagram targeting women for money
Scam baiter granny
February 15, 2018
I have one now called Mark Justice. States he lives in NY but goes to work each day in Texas. Went to a prominent school. I clicked o. The school,its a real school but in Nigeria. Lol.
Thia
February 16, 2018
I've noticed many scammers do "contract" work out of the country. I'm amazed at the difficulties these guys get into while doing their "job" and what's even more amazing is their "frozen" bank accounts since they are out of the country and I'm the only person who can help with the thousands they need for (fill in the blank: equipment, hospital bill, taxes, etc.)
Jill
July 28, 2021

In reply to by Lucy

Please tell me more about your charles walter. My mother is being scammed by someone calling himself charles walter
Duped in Calif
February 16, 2018
I am feeling very foolish & confused right now. Met a man on the internet dating site. Said he was from Chicago Collins Alberto (Italian), very heavy accent. Said all the right things, widowed, etc. Now after 3 weeks chatting he wants money cause hes in Sweden on business & his passport was confiscated for not paying the proper taxes for a shipment. Pulls at your heart strings cause this is terrible for him blah, blah blah. Did not send the money & will block him on my phone. What a schmuck.
Scammed
February 17, 2018
Can anyone tell me if they heard of a name Brittany Andy? She claims to be in the army deployed in Syria. Tells me she is on a peace mission and cant get back til i send her money to get home. I feel i have been duped by her for 2 years of lies!!
Joseph
March 05, 2018

In reply to by Scammed

Dude, She is a scammer...If she is in the Army deployed anywhere, the Army will send them back... It is pure BS
Kelsea
February 17, 2018
I have been talking to a man named ben he has asked me for itune cards and wants me to set up a money marketing account says he loves me wants to marry me but really wants this account set up.... have searched his pictures is of some other man who has a family and kids
Shirley 74
February 17, 2018
I fell in love with a scammer named Brian Alexander, aka/ Brian, aka nanayaw boateneg on Words with Friends on Facebook. He sweet talked me extremely well and had some strange power over me. I lost about $1,000 to him while trying to figure out if he was real or not. I needed to see if the money request would stop but they went on with no more from me. He was a contractor whose final contract was in Ghana Africa. He would retire after that and settle down. He missed meeting with me in person twice. His last requests were for money to pay doctor bills as he had been in an automobile accident on his way to the airport to come home. Said he lived in Virginia Beach, Virginia. This all lasted for about three months. It's sad that we women need to hear all the wonderful things these liars tell us. It is an experience I will never forget.
Outofmyelement
January 07, 2019

In reply to by Shirley 74

I have one from a dating sight that started asking for $50-$100 Apple iTunes gift cards for software purchases for his work he’s on contract for in the Philippines but claimed he lives in New York. Wife passed away two years ago and has two children. Has a very thick accent and says he’s half Italian. Any of this sound familiar to anyone? Let’s compare names given! His face pics I had no luck on, his name I had no luck on, but his “private” pic shows it’s a copy being used for a while now.
Susie.
June 07, 2020

In reply to by Outofmyelement

I think I’ve been talking to the same man for 3 months. Professes his love.
Caught you
February 17, 2018
This guy uses the name Edwin Richard Miller he is a scammer, beware
Julie
February 18, 2018
I have been talking to a Sergeant Dave John Jordan online. After friending him on F/B he asked me to download an app called Hangouts. Its a private texting app.He said he has to be careful because the military does not want them on FB. @ weeks into chatting with him he began to tell me that he really appreciated the prayers and devotions I sent him. Then he said he was in love with me. He sent me pictures of his two kids and a picture of his military badge. On valentines day he sent me flowers. He wanted to get a phone but he said he could not purchase a phone in Kabul Afghanistan. So he gave me a contact to send 1000 dollars to in the UK to purchase a phone for him. He still does not have a phone 3 weeks later. Always a good excuse why. Then he told me he was sending his medals and military documentation to me to keep safe for him as he will be retiring in March. Then I get a phone call and many emails saying that the package is being held up in customs at JFK airport because of the gold in the package. Evidently this is against custom law to ship gold from there to US. So the courier company Glopexpress tells me that I have to pay a 7500 tax fine in order to get this package. I am freaking out
FTC Staff
February 20, 2018

In reply to by Julie

Your situation has some warning signs that the person could be a fake. He asked you to chat off of the dating site immediately, using an app. He asked you to send money to buy him a phone.

The US Army has an article with a list of warning signs of scammers who pretend to be soldiers. The article says that "Soldiers do not find large sums of money and do not need your help to get that money out of the country." The article also says that the scammers often say they "cannot talk on the phone or via webcam due to security reasons, or tell you they will send you something (money, jewelry) through a diplomat."

Joseph
March 05, 2018

In reply to by Julie

Ignore it...It's fake Plus the Army does not restrict the use of Facebook... No Soldier would send his military documentation anywhere, because they don't have it,,,,It's kept on base or if he's deployed, at the base he's deployed from....Don't send any money to GLobal express either,,,tell them to return the package to the sender,,,The "package " doesn't exist..It's part of the scam
Shirl0347
February 20, 2018

I met a guy in Dec 2017 on Coffee meets Bagel dating site.He said he is with the US Army. Deployed to Afghanistan. His mom has passed away and Dad lives in Queens NY. He is the only child. Been in military for 6 yrs and is getting out in Feb 2018. He said his wallet was lost/stolen and has no money to buy food because he is not good with MREs. Than he asked me to trasfer $500 inJan 2018. Later he asked me to open a Bank account for him so that he can have his bonus check sent to my account. In that way I have “access” to his money. When I said I cant help him with money he gave me a whole emotional lecture about how I dont trust him. I did a background check and no one by that name exists.

He refused to have a care package from me saying, his dead mother was the one to send and if he receives a care package after 2 yrs, he will be emotional and unable to work being a unit leader. He never calls me says it would be an insecure call from the base. He pulled away when I said i cant help him financially. All his romance faded. He told me how I was a pearl and would put a ring of me before going to another deployment ti make sure I am his. He said his ex gf brok up with him while he was in Afghanistan and couldn’t do anything about it.

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