Deception is a ghastly game,

Yet, played by many all the same.

Our hearts were blind to their intent.

Our trust in others now is spent.

The wolf in sheep’s clothing never laments.


We have all heard different versions of how a well-educated, respectable member of the community was somehow duped into sending large quantities of money to a complete stranger. Sometimes the person in the story has even lost their entire life savings. At first, we are shocked and dismayed, but then we pause and think to ourselves, “That could never happen to me!”

The Sweetheart Scam is one of the most widely utilized modes of preying upon a victim for financial gain. It’s a scheme that can be perpetrated online or in person. The scammer convinces their victim that they are in love and uses these emotions to bilk money from the unsuspecting person—oftentimes a lonely senior. This is all brilliantly orchestrated, like a maestro conducting a symphony.

People often wonder how someone could be so foolish as to get involved with a stranger and send them money. Although almost any age group can be lured into this game of deceit, the number one target of sweetheart scams is usually men and women over age 40; the older the better. Seniors—especially widows, widowers and recent divorcees—are particularly vulnerable to this manipulation of the heart. And it is not gender specific either; both men and women are equally victimized.

John Joyce, former Special Agent in Charge of the U.S. Secret Service Tampa Field Office is no stranger to investigating internet scams. “With most internet scams, including the sweetheart scam, it is difficult to identify the perpetrators due to the fact that they are usually conducting their business from outside of the United States,” he says. “Cooperation from foreign governments is often spotty or non-existent. These investigations usually do not result in the capture of the scammer or the recovery of monies. In most cases, the victim’s best option is to break off communication with the scammer as soon as possible and cut their losses.”

How The Sweetheart Scam Works

It’s important to understand how the sweetheart scam works so you can defend yourself against it and help others do the same. Love, or more accurately the illusion of love, is the key factor in fulfilling the sweetheart scam.

“We do a lot of work investigating various types of scams from the internet. Unfortunately, it is very common,” Joyce explains. “Essentially the victim meets a scammer on a singles or dating website who poses as a person also looking for a relationship online. They chat over the internet and exchange photos. The scammer typically sends photographs of a very good-looking woman or man, depending who their target is. The victim thinks they have developed a relationship and over time falls in love. Eventually the scammer comes up with a story about how he/she has a major problem in their life which requires an outlay of money. The victim, feeling the need to help their new-found love, ends up wiring money over and over again to this person, in some cases until they are bilked out of all their money. Since the scammers are usually corresponding with the victim outside of the United States, it is close to impossible for U.S. authorities to identify or prosecute them. Once the scammer has achieved their financial goal, they will drop the unsuspecting victim and disappear. Most victims are astonished when they realize that these deceptive individuals are adept at manipulating human emotions to get what they want.”

A Cautionary Tale

Let’s take the case of a senior gentleman, whom we shall call Thomas. At age 74, Thomas is a wealthy, retired family physician in Beverly Hills, CA, who recently lost his wife to breast cancer. With the hope of restarting his life after several months of grieving, he joined a dating website to explore the idea of finding a female companion to share dinners, walks on the beach and other hobbies with. Thomas was a needy soul at that time in his life—lonely, emotionally vulnerable and looking for love in all the wrong places. This is when a victim is truly ripe for the picking by “wolves in sheep’s clothing.”

One evening, Thomas received a message from an individual who presented herself as a younger woman named “Alicia.” She was attractive, in her forties and a divorcee living in London. She had a college-aged daughter and was struggling to make ends meet. The conversation flowed and blossomed into a friendship.

After just a few weeks, their correspondence had escalated from polite small talk to more intimate conversations. Within a month, Thomas and Alicia were professing their love for each other. As far as Thomas was concerned, although he dearly missed his departed wife, he had now met another soul mate and would do just about anything for Alicia as their relationship progressed.

Then one day Alicia missed an evening of corresponding online with Thomas. This seemed odd to him, and he was distraught over their lost time together. Alicia appeared online the following evening and told Thomas a heartbreaking story. Alicia’s daughter had been killed in a car accident, and she would not be able to repay her student loans and cover her funeral costs without having to take out a special loan.


Browse Our Free Senior Care Guides

Thomas was consumed with grief for his lovely Alicia, and he willingly offered to send her whatever she needed. A cash sum of $45,000 would certainly be enough to cover the expenses, he thought. But Alicia had other ideas. She gratefully accepted the transfer of monies into her British bank account, making sure that she always kept the door open for additional funds to be sent.

When Alicia shared that she needed to put a new roof on her home, Thomas sent another $10,000, no questions asked. Then, she needed to replace her Mercedes that had been totaled in her daughter’s car accident. Of course, Thomas wired her $75,000.

Nearly a month after the death of Alicia’s daughter, Thomas begged her to come visit him in Beverly Hills. He desperately wanted to meet her in person and thought he had waited long enough to be with his lovely Alicia. She accepted his offer, professing her love for him. Thomas wired her the funds to purchase a first class round-trip ticket, promising that he would meet her at the airport in his private limousine with champagne for two weeks of idyllic frolic and fun.

On the evening that Alicia was to arrive, Thomas made sure everything was in place. The stretch limousine had been polished, the champagne was chilled in the back, and he had even reserved the penthouse suite at The Four Seasons.

Then, as his sweetheart Alicia was to arrive at the baggage claim, Thomas began to worry. His heart suddenly filled with uncontrollable sadness. There was no sign of any woman who even barely resembled Alicia. Not only was he unable to reach her by phone, email or text in the moments, hours and days that followed, he was devastated by the emotional deception and the loss of tens of thousands of dollars. Thomas had been fleeced by the wolf in sheep’s clothing.

One may think that wealthy individuals like Thomas are the only people scammers target, but that isn’t true. While a victim without financial resources may seem undesirable, scammers will still attempt to use their deceptive tricks to milk them for all they’re worth. In some cases they even succeed in getting their victims to allow them to move in rent-free, hand over their social security checks or make risky financial moves, such as taking out a reverse mortgage, in order to get their hands on some sort of assets or income.

10 Tips for Spotting and Avoiding Scams

Anyone can be scammed by a supposed sweetheart. But, according to law enforcement authorities, including local police departments, the Federal Bureau of Investigation (FBI) and the Secret Service, there are steps one can take to avoid falling victim to a sweetheart scam.

  1. Be on your guard. Try to look beyond the superficial. Whether you are interacting with people online or in person at a senior center, restaurant, grocery store or the post office, make a point of keeping your wits about you. Unfortunately, deception comes in all shapes and sizes and takes place in a variety of settings.
  2. Be honest with yourself. Look in the mirror and ask yourself the million-dollar question: “Why would a much younger individual want anything to do with me?” What is this person getting out of a relationship with you? If you discover anything pertaining to money in your answer, you know you are headed for trouble.
  3. Never transfer or wire money to anyone. This is especially important if you’re communicating with a stranger living overseas whom you’ve never met in person.
  4. Keep in touch with family. Share your new social interests and friendships with them. Your loved ones usually have your best interest in mind and can be trusted to provide honest advice and guidance.
  5. Consult a professional if an online relationship seems fishy. Law enforcement agents are experienced with sweetheart scams, especially since the usage of social media, such as Facebook, LinkedIn and Twitter, has increased. If you have an inkling that something isn’t quite right with a new acquaintance, contact a professional for a second opinion.
  6. Do your homework. Nowadays, many people have left permanent digital footprints that even minimally tech-savvy individuals can find. Use Google to search for additional information on new individuals you meet and cross check the information they’ve told you about themselves. Even if things appear to match up, don’t assume they’re telling you the truth. Scammers often go to great lengths to pose as another person or create a believable online presence that backs up their phony story.
  7. Limit your use of social media. Scammers steal personal information online and utilize people’s social media profiles to learn more about them, their routines, vulnerabilities, likes and dislikes. They then use this information to tailor their manipulative approach to appeal to a person’s specific interests and weaknesses. Some scammers even monitor potential victims’ news feeds for information on friends and relatives they can pose as.
  8. Pursue relationships face-to-face. Avoid online dating if at all possible.
  9. Don’t feel ashamed. Although getting defrauded is embarrassing, understand that seasoned scammers have learned how to be very convincing so they can make a good living from deceiving people. If you or someone you know falls victim to a scam, report it as soon as possible to local law enforcement or the FBI’s Internet Crime Complaint Center (IC3) website.
  10. Use common sense. This goes for any interactions with strangers, both online and in person. If something seems too good to be true, it usually is.