Romance scams now use AI-generated voices and deepfakes to steal billions from victims

A new wave of romance scams is washing across the internet - here's how to stay safe

Romance scams are among the most emotionally damaging forms of cyber crime because they combine carefully manufactured intimacy with financial theft - the scammers go after your heart, and then your wallet. Just last week, Australian police warned more than 5,000 people they may have been targeted in a large-scale romance scam linked to overseas syndicates. The scammers used common dating apps to find victims and start online relationships, then tricked their victims into buying a fake cryptocurrency. Importantly, the romance scammers' toolkit has changed in recent years. Artificial intelligence (AI) has lowered the cost of impersonation. Convincing profile photos can be generated in minutes, affectionate conversations can be auto-generated, and "proof" of identity can now be faked through voice and video. In the lead-up to Valentine's Day, dating apps get busier. So how can we stay safe from romance scammers? Anatomy of a romance scam Romance scams rely on a small number of psychological levers, applied repeatedly. Finding their victims online through various platforms, romance scammers accelerate intimacy, often expressing strong feelings unusually early. Then, they isolate their target. Often, the entire romance scam quite literally follows a script and plays out like this. First, the "dating" profile of the scammer appears highly credible. Scammers use attractive photos - increasingly AI-generated or stolen - paired with plausible personal details and consistent messaging. Second, the scammer pushes to move the conversation off the app. WhatsApp, Telegram or text messages are pitched as more convenient or more private. This shift is key. Once the victim has been persuaded to move the communications off the dating app, they lose access to built-in safety features that could help to protect them. If they're using their real email address or phone number, this also potentially exposes more of their personal details to the scammer. Third, comes the financial request. The scammer may cite a believable excuse - travel problems, banking issues, family emergencies. But it's not always an urgent plea for help. Many scams now evolve into investment fraud, where victims are steered into fake profit-making opportunities, often involving cryptocurrency. Victims may be encouraged to invest "together" or are shown screenshots of supposed past profits. Because the scam is framed as a shared future rather than a request for cash, it can go unrecognised. It's harder to tell who's a real person AI strengthens these tactics by making the scams much easier to scale up. Automated tools allow scammers to maintain frequent, emotionally warm conversations across multiple victims with minimal effort. For years, video calls functioned as an informal identity check. If you could see someone talk and respond in real time, you would feel confident you were talking to a real person. Now, generative AI-powered deepfakes - artificial video or audio designed to imitate a person - are increasingly accessible for scammers to use. A simple face-swapping or voice-cloning tool can be persuasive over a short call. The scammer only needs enough plausibility to move a conversation past doubt. When the victim is already emotionally invested, they ignore red flags more easily. How can you stay safe online? While AI makes romance scams more convincing, effective defences do exist. You can still date online safely - as long as you stay vigilant and follow some easy steps to verify the people you engage with. Slowing the relationship down remains one of the strongest ways of protecting yourself. If you spend more time talking to the person, there's a chance some inconsistencies will surface. Besides, scammers get tired quickly. Keep conversations on the dating platform for longer. Don't cave into early pressure to move off-platform, and treat this as a potential red flag. Make sure you identify the person across different platforms. Use reverse-image searches which can expose stolen or synthetic photos. A genuine person usually has a broader, consistent digital footprint beyond a single curated profile. Treat investment advice or requests for money as a bright-red flag. This is the most important advice. If someone you have never met in person begins steering you toward cryptocurrency, trading platforms or guaranteed returns, disengage. Never send intimate images to someone you haven't met and verified. Financial scams can also quickly pivot to blackmail. If you have already transferred money, acting quickly matters. Contact your bank immediately and report the incident to Scamwatch or ReportCyber. Early reporting can reduce losses and help authorities disrupt larger networks. Remember that romance scammers are highly skilled at appearing trustworthy, so "trusting your gut" or relying on your feelings won't necessarily help you. As generative AI tools proliferate, verifying what's real online is getting harder. So take things slowly, check details in different places, and - by far the most important step - avoid anything that turns a romance into a money request, no matter how infatuated you might be.

AI is making romance scams harder to spot, and this Philadelphia expert has these red flags to look for

With Valentine's Day approaching, financial experts warn to be on alert for a rise in romance scams that are becoming harder to spot due to artificial intelligence. One in four Americans say they've encountered a fake profile or AI-generated bot online, according to newly released data from McAfee. Americans have lost more than $1.14 billion to romance scams since 2023, according to the Federal Trade Commission. Tanyika Rickard, a community manager with Chase Bank in Philadelphia, who works directly with customers who have been targeted or defrauded, said scammers often spend months building trust before ever bringing up money. "They love bomb you," she said in a recent appearance on the In Your Corner podcast with CBS News Philadelphia consumer reporter Josh Sidorowicz. "In the beginning, you're hearing, 'I can't believe I've met someone like you,' and if you are in a space where you don't have that currently, that loneliness can take over." Rickard also warns about how artificial intelligence has transformed the landscape of romance scams. Scammers are now able to create entire fake identities -- including photographs, social media histories, real‑time chat responses and even AI‑generated voices or video calls. They can mimic voices, and they can create a video chat with AI. Rickard said scammers also scrape victims' online presence to tailor their approach. "They've gone through your social media," she said. "They know how many grandchildren you have, they know what's important to you because you post it." Kate Kleinert previously shared with In Your Corner how a romance scammer stole her entire life savings. Her story highlighted the emotional manipulation scammers use to con their victims. "I had been widowed for 12 years at that point," she said. "It was nice talking to a man again, and every single night he would call me and say, 'How was your day, honey?' Nobody asked me that anymore." Rickard highlighted several warning signs: She also urged consumers not to answer calls from unknown numbers. "If it does not look right, nine times out of 10, it isn't," she said. "Go with your gut." Many victims never report what happened, often out of embarrassment. More than half of adults who lost money said they never reported it, according to new AARP research. But Rickard said reporting is essential, not only to stop the scammer but to connect victims with resources that may help recover some of the money. "You absolutely should file a complaint," she said. "Come into the bank, speak to your banker, don't feel embarrassed." Chase and other institutions regularly host fraud prevention workshops, including sessions in West Philadelphia, to help the community identify threats and protect their finances. Scammers have made a career out of defrauding people, Rickard said. "We need to make a career out of protecting each other," Rickard said. You can report the crime to local law enforcement or the FBI's IC3.gov. You can also call the AARP Fraud Watch Network Helpline at 877-908-3360 for support. The In Your Corner podcast is dedicated to providing practical solutions to everyday problems. Each week will feature a different guest expert. You can find new episodes posted every Wednesday on the CBS Philadelphia YouTube channel.