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If you’re already smitten, you may wire funds to the scammer – no questions asked.

“They are caught in the scammer’s web,” Nofziger says.

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An initial period of dating and friendship is obviously necessary to explore the potential of a more solid relationship.

Western Union received at least 44,500 complaints about online dating and romance scams, with losses totaling at least million, between 20, the FTC’s Todd Kossow says.

Amy Nofziger, regional director of the AARP Foundation, explained how a romance scam works: The scammer will often say he or she is from the United States, but is traveling or working overseas, and will quickly profess his or her love for you.

How a romance scam works Chances are you’ve tried an online dating site in hopes of finding true love.

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Victims include everyone from doctors and lawyers to CEOs and cops, Sluppick says.

In many cases, they’re lonely after a divorce, the death of a spouse, or their kids are grown and have left home.

If you’ve fallen victim to a romance scammer, here are some ways to start regaining control of your financial life.

File a complaint: Federal Trade Commission: Call 877-FTC-Help, or file a complaint online.

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