From Friendship to Fraud: How to Spot and Avoid Romance Scams

Have you ever received a text from an unknown number? Perhaps it’s about confirming plans for a lunch date you never scheduled. You reply to inform them of the mistake, and then something unexpected happens – the person on the other end starts a conversation, asking questions like where you live or what you do for work. Beware: this could be the beginning of a scam.

How Romance Scams Unfold

Scammers are experts at creating trust and building connections. Over time, you might feel a genuine bond with this person, believing they’ve become a close friend or even a romantic interest. They might shower you with compliments, express deep feelings, or even propose marriage – all without ever meeting you face-to-face.

But eventually, the true motive is revealed: the scammer asks for money. They may claim it’s for an emergency surgery, to help a family member, or to buy a plane ticket to come visit you. Once you send money, the requests don’t stop. They escalate until you either refuse to give more or start questioning their intentions. At this point, the scammer will likely disappear, leaving you heartbroken and potentially in financial distress.

Red Flags of a Romance Scam:

• Unknown Identity: You don’t truly know who you’re communicating with.
• No In-Person Meetings: You’ve never met the scammer in person or over a video call.
• Emotional Manipulation: You feel a strong, rushed connection.
• Financial Requests: The scammer asks you for money.

What to Do If You Suspect a Scam:

If you receive a suspicious text or message:

• Delete It Immediately: Don’t engage in any conversation.
• Cease Communication: If you’ve already responded, stop all communication before the situation escalates.
• Report the Scam: If you’ve lost money, report the incident to your bank and law enforcement (including the FBI and local police) as soon as possible.

Protect Yourself

It’s important not to feel ashamed if you’ve been targeted. Scammers exploit our natural desire for connection and are skilled at making you feel valued and special. Your safety and security are paramount. Stay vigilant and protect yourself from these scams. At Central Pacific Bank, we’re here to help you navigate these challenges and keep your finances secure.

For more information on fraud prevention and how to stay safe, visit cpb.bank/fraud.