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Romance Scam Red Flags Checklist

Use this quick checklist when a dating situation feels off, rushed, secretive, or financially uncomfortable.

A single awkward moment does not necessarily mean fraud. Patterns matter more than any one item on its own.

If several signs are showing up together, especially around money, secrecy, or pressure, that is a good reason to slow the pace and get outside perspective before you share more trust, time, or information.

This free checklist is designed for adults over 50, family members, libraries, and community educators who want a simple way to recognize common romance scam pressure patterns.

Who this checklist is for

  • Adults over 50 using dating apps, social media, email, or messaging apps.
  • Family members helping someone think through a relationship that feels rushed, secretive, or financially uncomfortable.
  • Libraries, community groups, and educators looking for a simple romance scam awareness resource.

This checklist is for general educational purposes only. It cannot verify whether someone is safe or unsafe. If you suspect fraud, stop communication, save evidence, report the profile, and contact the relevant platform, financial institution, or local authorities.

If you still feel unsure

If you still feel torn, do not force yourself to decide in the moment. Pause for a day, reread the messages when you feel calmer, and ask someone outside the relationship what they notice before you move forward.

Romance Scam Warning Signs

Compare what you are seeing against the most common scam patterns in more detail.

 What to Do If Someone Asks for Money

Use this if a dating conversation has already shifted toward money, gift cards, crypto, or banking help.

 How to Report a Romance Scammer

Follow a calmer step-by-step path if you want to save evidence and report the profile properly.

Trusted places to report or learn more

These official resources can help if a conversation includes money, identity information, account access, or pressure that feels difficult to handle alone.

FTC ReportFraud.gov

Report fraud, scams, and suspicious messages to the Federal Trade Commission.

 IdentityTheft.gov

Use this FTC resource if personal information, accounts, or identity documents may be involved.

 FBI Internet Crime Complaint Center

File a complaint about internet-enabled crime, including online fraud.

 National Elder Fraud Hotline

Find federal hotline information for older adults affected by fraud.