Family Trust Blog

February is a month built around connection and relationships. Unfortunately, scammers take advantage of that by creating fake online relationships designed to steal money and personal information. Romance scams are one of the most financially damaging types of fraud, and they affect people of all ages. 

Understanding how these scams work can help protect you and the people you care about. 

How Romance Scams Usually Begin 

Romance scams often start on dating apps, social media, or even through text messages. A scammer may: 

• Create a fake profile using stolen photos 

• Show intense interest very quickly 

• Move conversations off the platform early 

• Share emotional stories to build trust 

Over time, they work to create a sense of closeness before asking for money or favors. 

Common Red Flags to Watch For 

Be cautious if someone you have not met in person: 

• Avoids video calls or in person meetings 

• Claims to be overseas or traveling frequently 

• Asks for money, gift cards, or cryptocurrency 

• Requests secrecy or asks you not to tell friends or family 

Romance scammers rely on emotional pressure to override logic. 

Why These Scams Work 

Romance scams are effective because they feel personal. Scammers invest time building relationships and creating emotional bonds. This can make requests for help feel reasonable, even when they are not. 

Remember that legitimate relationships do not involve financial pressure or secrecy. 

What to Do If You Suspect a Romance Scam 

If something feels off: 

• Stop sending money or personal information 

• Talk to a trusted friend, family member, or caregiver 

• Contact your credit union if money has already been sent 

• Acting quickly can limit damage and help protect your accounts. 

Protect Yourself and Others 

Romance scams thrive in silence and embarrassment. Talking openly about them helps remove shame and encourages people to ask for help sooner. 

Love should be built on trust, honesty, and respect. If a relationship creates pressure, secrecy, or financial demands, it is time to step back and verify. 

If you ever have concerns, your credit union is here to help you navigate next steps safely. 

A Reminder from Family Trust:  

If you suspect fraud, do not wait. Contact Family Trust as soon as possible so we can help protect your account and guide you through next steps. You should also report the incident to local authorities or the appropriate agency.