Tried and True – How Scammers Get to You
While scammers/fraudsters are constantly adapting and changing their schemes, just like that worn comfy sweater that you just can’t let go of, they will always return to the scams that have been proven to work. February as you all know is a month for your sweetheart, but scammers often prey on people’s emotions and feelings, and while you are just seeking to find connection, they are looking to coax you into getting your money and personal information. This month’s focus is on the notorious Sweetheart scams. These tips and questions will help you determine, is it romance? Or is it a Rip-off?
💘 Am I in Love or Being Scammed?
Questions to Ask Yourself
🧠 Identity & Transparency
Have I seen them on a live video call?
Do they avoid answering personal questions or sharing details?
Can I verify their identity through social media, work, or mutual contacts?
💬 Communication Patterns
Do they express intense emotions very quickly?
Are they always available to chat but never available to meet?
Do they avoid phone or video calls with excuses?
💰 Financial Requests
Have they asked for money, gift cards, or financial help?
Do they claim to be in a crisis that only I can solve?
Have they promised to pay me back but never do?
🌍 Location & Logistics
Do they say they’re overseas, deployed, or in a remote area?
Are there constant delays or excuses when planning to meet?
Do their stories seem vague or inconsistent?
❤️ Emotional Manipulation
Do they guilt-trip me when I hesitate to help?
Do they say things like “You’re the only one I can trust” or “Don’t tell anyone”?
Do I feel emotionally dependent on someone I’ve never met?
🛡️ Gut Check
Do I feel uneasy or suspicious about their behavior?
Have friends or family expressed concern?
Would I be embarrassed to tell someone what I’ve shared or done?
🚨 If You Answered “Yes” to Several:
You may be dealing with a romance scam. Trust your instincts, pause communication, and report the account to the platform or authorities.
Honorable mention:
Another scam that is also common in the month of February is Valentine’s Day Scams, whenever you can always purchase things on a reputable website. If you find a product that you really like in an Ad or on social media, you can most likely find it in a place that you know is legitimate whether that’s on a known site or a local business.
Valentine’s Day Shopping Scams
Fake flower and gift websites: Fraudulent sites offer deals on flowers, chocolates, or jewelry but never deliver.
Phishing emails: Posing as popular retailers with fake order confirmations or delivery issues to steal login credentials.
Social media ads: Scammers use targeted ads for “limited time” Valentine’s deals that lead to fake checkout pages.
Our number one priority is protecting you and your finances. One phone call could be the difference. Let us help to protect you from scams. Remember! When in doubt, ALWAYS reach out!
