Romance scams are no longer just fake profiles and dramatic stories. Today’s scams are more sophisticated, more convincing, and often powered by new technology. Around Valentine’s Day, scammers increase their activity, knowing people are more open to connection, conversation, and trust.
What’s changed is how believable these scams have become.
Romance scams today look different.
Modern romance scams often start the same way. A friendly message. A shared interest. A growing connection. But they quickly evolve into something more complex.
Many scammers now use:
- AI generated photos and messages that look natural and personal
- Scripted conversations designed to mirror real emotional intimacy
- Voice messages and video clips that create a false sense of authenticity.
These interactions can feel genuine because they are designed to feel human. The goal is to build trust before money ever enters the conversation.
The rise of romance plus investment scams.
One of the fastest growing trends combines romance with investment fraud. In these cases, a scammer builds a relationship and then introduces an opportunity to invest together.
These scams often involve:
- Cryptocurrency or online trading platforms
- Promises of shared financial success
- Pressure to act quickly before a window closes
Because the request is framed as a joint future rather than a handout, victims may not recognize it as a scam until significant money is lost.
Payment methods scammers prefer today
While gift cards and wire transfers still appear, scammers increasingly push for:
- Cryptocurrency transfers
- Payment apps or peer to peer platforms
- QR codes linked to fake payment pages
These methods are harder to trace and faster to move, which makes recovery more difficult once funds are sent.
Emotional manipulation is still the core tactic
Technology may be newer, but the psychology is the same. Scammers rely on urgency and secrecy. They create emotional dependency. They frame requests as temporary or private.
A common warning sign is being asked to keep the relationship or financial requests secret. Legitimate relationships do not require financial secrecy.
How to protect yourself
- Be cautious with anyone you have not met in person, especially if money enters the conversation
- Avoid sending funds, cryptocurrency, or financial information to someone you only know online
- Be skeptical of investment opportunities tied to personal relationships
- Talk with a trusted friend or family member if something feels off
If you believe you may be involved in a romance scam, contact your bank immediately. Acting early can help protect your accounts and limit potential loss.
At F&M Bank, we are committed to helping you stay informed and secure.
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If you ever suspect any fraudulent activity or encounter a potential scam, please contact us immediately or visit your nearest F&M Bank office.