Tech Tip: Romance Scams — Protect Your Heart and Your Wallet | Coulee Bank
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Tech Tip: Romance Scams — Protect Your Heart and Your Wallet

Online romance scams often start on dating apps, social media, or messaging platforms. A scammer builds trust over time, then creates a “reason” you need to send money, share personal information, or move funds quickly. These scams can feel intensely personal, and they can happen to anyone.


Common warning signs


  • Fast connection, big emotions: They push the relationship forward quickly or use dramatic declarations early.
  • Move the conversation off-platform: They insist on switching to text, WhatsApp, Telegram, or email right away.
  • You can’t meet or verify them: They avoid video calls, make excuses, or claim they’re traveling, deployed, or working overseas.
  • Video calls aren’t a guarantee: Even if you do get a video call, be alert for AI-generated or manipulated video/audio (deepfakes). Red flags can include odd lighting/shadows, unnatural facial movement, lip-sync that seems “off,” a slightly robotic voice, glitches when they turn their head, or frequent “bad connection” excuses that conveniently avoid clear video. If anything feels off, pause and verify their identity another way.
  • Money requests with urgency: They ask for gift cards, wire transfers, “emergency” help, crypto, or “fees” to unlock something.
  • Pressure to keep it private: They discourage you from talking to friends or family.


How to protect yourself


  • Slow down and verify. Do a reverse image search of profile photos and watch for inconsistencies in their story.
  • Never send money to someone you haven’t met in person—and be especially cautious with wires, gift cards, and cryptocurrency.
  • Talk to someone you trust before sending funds or sharing personal information; a second opinion can break the pressure cycle.


If you suspect a romance scam


  • Stop communicating immediately and do not send additional funds.
  • Contact your bank right away if you’ve sent money or shared account details. The sooner we know, the more options we may have to help.
  • Report it to the FTC and/or the FBI’s IC3 to support investigations and help prevent additional victims.


Romance scams have led to significant reported losses nationwide, including large impacts on older adults.