Be wary of individuals who share tragic stories early in the conversation, especially if these stories lead to requests for help or money. Scammers often use emotional narratives to elicit sympathy and financial support. This could be anything from a hospital bill to a robbery to a fire — all designed to manipulate victims into offering to help.

Romance scams cost US victims over $1 billion in 2023. Authorities warn of rising online fraud, as tech firms crack down on scammers targeting lonely individuals.