Recognize the pattern
How it starts
Dating platforms, social contacts, and interest communities.
The promise
A serious relationship and a shared future.
What happens next
Frequent contact builds intimacy, then financial support becomes a supposed test of affection.
Signs to watch for
- Identity cannot be independently verified
- Repeatedly postpones meeting in person
- Links affection to payment
Start with what you can do now
If this happened to you
Stop loans and transfers
Review events with a trusted person
Notify your bank and report the profile
What to save
Keep the original records. Use copies to organize the details.
- Dating profile
- Relationship timeline
- Requests for money
- Payment history
Before you send money
- Do not send money to an online partner you have not met in person.
- Talk the situation through with someone you trust.
- Check whether profile photos or personal details appear under another identity.
These guides explain common patterns. The facts of your situation and your payment provider’s rules determine which steps are available.