Financial Safety On Dating Sites

Security and Scams

Meeting new people is difficult for many adults. Fortunately, though, there’s the internet. Dating sites like eHarmony and make it easier than ever to find other people who are looking for the same thing you seek.

Unfortunately, that same ease of connection makes online dating sites a haven for scammers. Using the information you provide, they can craft a profile designed to win your trust. Once they’ve got you, they can string you along for months, damaging your pride and perhaps robbing you blind!

Many safe and happy relationships begin on dating sites, so this is by no means an indictment of them. If you’re going to use them, though, you would be wise to practice a few precautions.

Watch out for any of the following red flags that could signal a dead-end relationship.

1.) Walk away from wire transfers

The highest warning light in the world is a request to send money insecurely. There are dozens of reasons why scammers might ask for a wire transfer, account details, or other financially sensitive information. Maybe they claim to have a sick relative who is desperate for medical attention or they want to come and see you, but can’t afford a ticket.

Whatever the sob story, it will have three key elements.

  1. It will be couched in terms of love or relationship advancement. Your new squeeze may make a sudden confession of love first, or pressure you by saying you need to prove your love.
  2. There will be a specific reason why the money must be transferred using an insecure method, like Western Union. The scammer may not have a checking account, or may not have time to wait for a check to clear.
  3. There will be a significant urgency. You will have to decide right then whether or not to help, and not helping will be the end of your budding romance.

Whenever someone you don’t know offline asks for money via wire transfer, run away. No one with good intentions will want the anonymity and immediacy of a money transfer. Being generous in a new relationship is one thing, but it’s possible through many other means.

2.) Keep pictures close to your heart

Digital technology has made it easier than ever to share photos with people all over the world. This is wonderful for sharing your vacation with friends from school or showing off your child’s art to proud grandparents. It’s also allowed some new romantic norms. Many people in long-distance relationships use the internet to enable their intimacy in healthy ways.

As much as this use of technology has been helpful to new couples, it’s exposed many to new dangers as well. Risqué pictures or messages can be used as blackmail material. Scammers may threaten to make your private messages public unless you pay them or give them personally identifiable information. Sadly, the law is not on your side in situations like this. It’s not illegal for people to make public the correspondence you sent voluntarily.

The best advice is to avoid sending explicit material to anyone you have any reason to distrust. Also, don’t pay so-called image removal fees. The FBI reports there’s no evidence to confirm that scammers actually do remove information after they’ve been paid to do so.

3.) Don’t get strung along

In the rush of a new relationship, it’s easy to let all other considerations fall to the wayside. In fact, like a drug, some disreputable dating sites use that thrill to keep you coming back!

Many sites offer a free trial before requiring members to pay for a costly subscription. Unscrupulous companies will have employees pose as potential matches and send messages to customers who are nearing the end of that free trial period. These messages will hint at possible romance but move just slowly enough that the customer must pay the subscription fee to continue receiving them. Once the money’s been paid, the messages stop. Other companies create fake profiles to artificially inflate the number of “available” matches near you.

The best advice for dealing with situations like this is to be proactive. Consider creating a dating site-only email address that contains very little information about you (other than your first name). Provide that to potential matches if your subscription is about to expire.

Extra Tips from the DCU Fraud Department

Dating sites are like any other place on the internet. They can do a great deal of good, but you’ll want to be careful about how you use them! Below are a few extra tips on how to avoid Romance Scams from our Fraud Department.

To stay safe online, be careful what you post because scammers can use that information against you.  Always use reputable websites.  If you develop a romantic relationship with someone you meet online, consider the following:

  • Research the person’s photo and profile using online searches to see if the material has been used elsewhere.
  • Go slow and ask lots of questions.
  • Beware if the individual seems too perfect or quickly asks you to leave a dating service of Facebook to go “offline.”
  • The individual attempts to isolate you from friends and family or request inappropriate photos or financial information that could later be used to extort you.
  • If the individual promises to meet in person but then always comes up with an excuse why they can’t.  If you haven’t met the person after months, for whatever reason, you have good reason to be suspicious.
  • Never send money to anyone you don’t know personally.  You will know someone’s true intentions after you say no.
  • If you suspect an online relationship scam stop all contact immediately.