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all about romance scams

Your Mom Is Being Romanced By a Spreadsheet

How professional scam operations target lonely seniors — and why “she should have known better” is the most dangerous thing you can say.

6 min readJul 3, 2026

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how romance scams works targeting seniors

There is a man named David.

David is 71, recently widowed, silver-haired in his profile photo, and has extremely thoughtful opinions about gardening, grandchildren, and the importance of faith in difficult times.

David does not exist.

David is a character being played by three different people on rotating eight-hour shifts in a building you will never find on the map, running simultaneously on fourteen different women’s WhatsApp accounts across the United States, Canada, and Australia.

One of those women is someone’s mother. Possibly yours.

I know this sounds dramatic. I know it sounds like the kind of thing that happens to other families. I thought that too — right up until I personally experienced a version of it, lost more money than I’m comfortable putting in a subtitle, and spent the following years obsessively trying to understand exactly how these operations work.

So let me tell you. Properly.

How “David” Finds Your Mother

He doesn’t find her randomly. The targeting is deliberate.

Facebook groups for widows and widowers. Church community pages. Senior hobby groups — quilting circles, gardening forums, Christian book clubs. Anywhere that self-selects for older adults who are community-oriented, trusting by nature, and — let’s say it plainly — experiencing some degree of loneliness.

The scammer’s first move is never a message. It’s a friend request with a believable profile. A complete-looking Facebook page with three years' worth of photos, grandchildren in some of them, and a cover photo that’s a sunset or a golden retriever. Enough content to look real. Not so much that it looks manufactured.

She accepts because he’s a friend of a friend, or is in the same group, or just looks like a normal, decent person.

Which he has been carefully designed to look like.

The First Six Weeks and Why This Part is the Most Important

Nothing suspicious happens. That’s the point.

He comments on her photos. He asks about her grandchildren by name — he remembered them from a post three weeks ago. He shares articles about things she’s expressed interest in. He responds to her Facebook memories with warmth and genuine-looking attention.

This phase has one purpose: making her feel seen.

Not flattered. Not swept off her feet. Just — seen. Noticed. Like someone is paying attention.

For a woman who lost her husband two years ago, whose children call on Sundays if she’s lucky, who spends a lot of evenings watching television in a house that used to have two people in it, being noticed is not a small thing.

Her guard isn’t down because she’s naive.

Her guard is down because nothing has happened yet that would raise it.

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The Move to Private and Why it Matters

At some point, he suggests WhatsApp, Google Chat, or regular texting. “Facebook feels so public. I feel like I can really talk to you.”

This isn’t incidental. This is a deliberate removal from any platform with fraud monitoring.

Now it’s just two people. No algorithm watching. No flagging system. No friends who might see the conversation and ask questions.

The messages increase. Morning. Evening. Sometimes at 3 a.m., she mentions she doesn’t sleep well. He’s always there.

She starts to feel — this is going to sound strange to anyone who hasn’t experienced it — genuinely cared for.

Because the attention is real, even if the person isn’t.

The Love Bombing Phase: This is Where It Becomes Textbook

Somewhere between week four and week eight, the language shifts.

“I haven’t felt this way since my wife passed.”
“I was starting to think I’d spend the rest of my life alone.”
“I think God put you in my life for a reason.”

That last one. That specific phrase. I want you to remember it.

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Religious language is used with surgical precision in romance scams targeting older Americans — particularly those with expressed faith. It bypasses rational evaluation by attaching the relationship to something the victim considers sacred and trustworthy.

If God ordained this meeting, questioning it feels like questioning God.

It is a deeply cynical exploitation of someone’s most sincere beliefs. And it works with devastating consistency.

By week eight, she believes she is in a relationship. Not a scam: a relationship. A relationship with a real person who loves her.

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The First Ask and Why It’s Always Small

The first request for money is modest. Always.

He’s embarrassed to ask. He’s never had to ask anyone for anything in his life. There’s a situation — a temporary one, completely temporary — involving his business account being frozen, or a medical bill, or a customs issue with a package. Could she help just this once? He’ll pay her back within the week.

$300. Maybe $500.

She sends it.

He pays it back. Sometimes. Just often enough to establish that this is a trustworthy exchange.

The amounts grow from there. Slowly. Each crisis slightly larger than the last. Each repayment slightly less reliable.

By the time her family notices, she has sent an average of $35,000, per FBI data. Seniors over 70 average more than double that.

Why She Won’t Believe You When You Tell Her

This is the part families struggle with most.

She will defend him. She will be angry at you for suggesting it. She may accuse you of being jealous or controlling.

This is not stubbornness. This is psychology.

She has been in what her brain has processed as a genuine relationship for months. She has emotional memories of this person. She has defended him to her friends. She has looked forward to his messages every morning.

Being told he doesn’t exist means being told she was fooled. And being told she was fooled means — in her mind — being told she was stupid.

Nobody accepts that about themselves willingly. The mind will reject it and find reasons the accuser is wrong.

The worst thing you can do is confront her with evidence and demand she accept it immediately.

The best thing you can do is ask gentle questions.

“Has he ever been able to video call with a clear connection?”
“Has he ever explained exactly why he can’t visit?”
“What would it take for you to feel sure he’s who he says he is?”

Let her find her own cracks. Support her when she does.

The Shame That Follows

The FBI estimates that fewer than 1 in 7 romance scam cases are ever reported.

The primary reason isn’t fear of the police: it’s shame.

Because the story she has to tell — the one where a man who doesn’t exist made her feel loved, and she sent him her savings, and her children tried to warn her, but she didn’t listen — is a story nobody wants to tell their family.

So she tells nobody. She absorbs the loss. She lives with it.

And the operation that targeted her moves on to the next window, the next profile, the next woman in a gardening group who just replied to a stranger’s comment about roses.

I’m sharing all of this because I’ve been on the receiving end of manufactured emotional manipulation — a different version, different context, but same mechanics. Same deliberate exploitation of trust. Same aftermath.

And if there’s one thing I know with complete certainty:

The people who fall for this are not careless. They are not foolish. They are human beings with real emotions and real longing for connection — being systematically targeted by people who have studied exactly how to exploit that.

Call the older person in your life who lives alone today. Not to warn them: just to talk.

Because the best protection against “David” is an actual real person who’s paying attention.

— Arshad Noor

Founder of Elysium Care Org

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Arshad Noor
Arshad Noor

Written by Arshad Noor

Founder, Elysium Care | Senior Care, Loneliness & Isolation Support | Scam & AI Fraud Protection | Heartbreak, Grief & Emotional Recovery elysiumcare.org