“Scammers prey on people’s desire for connection and love during this romantic season,” Getman said. “These criminals build fake relationships online or create phony websites to steal money, personal information or gift card funds. Protecting your heart and your wallet means recognizing red flags and never sending money to someone you’ve never met in person.”
Sweetheart scams, also known as romance scams, are among the most prevalent. Fraudsters create fake profiles on dating apps, social media or messaging platforms, quickly profess affection and build trust through frequent communication. They then invent urgent stories—such as medical emergencies, travel issues, military deployments or business problems—to request money. Common payment methods include gift cards (Amazon, Google Play, iTunes or Steam), wire transfers, cryptocurrency or money transfer apps, which are difficult or impossible to reverse.
Other Valentine’s Day scams include:
• Fake online florists or gift delivery sites that take payment but never deliver, or deliver substandard items.The Federal Trade Commission and FBI report that romance scams alone cost victims hundreds of millions annually, with thousands of cases nationwide each year. Gift cards remain a favorite tool for scammers because they are hard to trace and often irreversible.
• Impostor websites mimicking legitimate jewelers or retailers with unrealistically low prices to steal credit card details.
• Unsolicited e-cards or messages containing phishing links or malware.
• “Wrong number” text messages that initiate conversations leading to requests for personal information or payments.
To avoid falling victim, Getman recommended:
• Never send money, gift cards or personal information to someone you have not met face-to-face.If you suspect you have been targeted or victimized, act quickly:
• Be skeptical of quick professions of love, avoidance of video calls or in-person meetings, and stories involving overseas work, military service or sudden emergencies.
• Research online sellers thoroughly—check reviews on trusted sites like BBB.org and avoid deals that seem too good to be true.
• Use reverse image searches on profile photos and be cautious about moving conversations off dating platforms.
• Protect your devices with up-to-date security software and avoid clicking suspicious links.
• Stop all contact and block the individual.
• Contact your bank, credit card company or gift card issuer immediately to report fraud and seek recovery options.
• Report the incident to local law enforcement by calling the Schuyler County Sheriff’s Office at (607) 535-8222 (or 911 if urgent).
• File a complaint with the Federal Trade Commission at ReportFraud.ftc.gov and the FBI’s Internet Crime Complaint Center at IC3.gov.
• New York residents may also report to the New York State Attorney General’s Office via ag.ny.gov/file-complaint/consumer.
For more information on fraud prevention, visit consumer.ftc.gov or ic3.gov.
