How do I talk to a loved one who may be in a romance scam?

Reviewed answer

Lead with care and specific concerns; shame and ultimatums can make it harder to help.

Say what you noticed without attacking the relationship, such as repeated emergencies or requests for money.
Ask to review the story together and pause further transfers while checking claims independently.
Offer to contact the bank or report the scam together. Keep the conversation open even if they disagree.

Get help if

The online partner demands secrecy, isolates them from family, or pressures them to borrow or withdraw retirement savings.