Protecting Your Heart and Wallet

cell phone and conversation hearts to warn against romance scams
Beware of Romance Scams

Protecting Your Heart and Wallet: Beware of Romance Scams 

In this era of digital connectivity, online banking has become an integral part of our daily lives, offering convenience and accessibility. However, with the rise of technology, cybercriminals have found new ways to exploit unsuspecting individuals. One prevalent threat that continues to target bank customers is the perilous world of romance scams. In this blog post, we aim to shed light on the dangers of romance scams and provide tips on how to protect yourself from falling victim to these heartless schemes.

The Rising Threat of Romance Scams

Romance scams involve criminals building emotional connections with individuals through online platforms, often leading to fraudulent financial transactions. These scammers employ various tactics, such as creating fake profiles on dating websites or social media, to establish trust with their targets. Once a connection is formed, they exploit the victim's emotions to manipulate them into sending money, sharing personal information, or even unknowingly participating in illegal activities.

Common Tactics Used by Romance Scammers

Fake Profiles and Stolen Identities

Scammers often create elaborate fake personas using stolen photos and information. These profiles appear genuine, making it challenging for victims to differentiate between a legitimate connection and a scam.


Love-bombing is a manipulation technique wherein scammers overwhelm their targets with affection, compliments, and promises of a future together. This emotional manipulation makes it difficult for victims to think rationally and question the authenticity of the relationship.

Financial Requests

After establishing a connection, scammers concoct elaborate stories to evoke sympathy and urgency, ultimately leading to requests for financial assistance. They may claim to be in a financial crisis, needing money for travel expenses, medical emergencies, or other plausible reasons.

Protecting Yourself from Romance Scams


Stay Informed

Educate yourself about the signs of romance scams, including red flags like rapid declarations of love, reluctance to meet in person, or requests for money.

Verify Identities

Before emotionally investing in an online relationship, verify the person's identity through video calls or other means. Be cautious if they resist showing their face or providing tangible evidence of their existence.

Guard Personal Information

Refrain from sharing personal and financial information with someone you've only met online. Genuine individuals will respect your privacy and won't pressure you into divulging sensitive details.

Remain Skeptical of Financial Requests 

Be wary of anyone requesting money, regardless of the reasons provided. Take the time to verify the legitimacy of their claims with trusted friends or family members.

Report Suspicious Activity

If you suspect you're involved in a romance scam, cease communication immediately and report the incident to Bank of Bartlett, the dating platform, and relevant law enforcement agencies. You can also report online romance scams to

Protect Your Money

While online banking and digital connections offer tremendous benefits, it's crucial to remain vigilant and aware of potential threats like romance scams. By staying informed, verifying identities, and safeguarding personal information, you can protect yourself from falling victim to these heart-wrenching scams. Remember, a genuine connection is built on trust and transparency, not on financial requests and emotional manipulation. Stay safe, stay informed, and keep your heart and wallet secure in the world of online banking.

Want to learn more? 

You can access more information to protect your money here.

To help consumers protect themselves, the Consumer Financial Protection Bureau outlines additional tips on their here.  The CFPB has also released this infographic with helpful tips. 

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