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Victim advocates say the true cost of romance scams is probably much higher than official estimates because victims, men in particular, often stay silent out of shame.

Although older adults are often targeted — more than three-quarters of complaints to federal agencies came from people 40 and older — fraud experts say people of all ages and backgrounds can fall prey to romance scams.

'' There are millions of experiments essentially happening on our site every day." Yagan and his colleagues catalogued more than 7,000 profile photographs from Ok Cupid.com, looking at facial attitude, such as whether the person is smiling; context of photo, such as whether the image was taken outdoors or in a bedroom; and how much skin is bared.

Pictures came from those ages 18 to 32 who lived in big cities.

Most Filipino dating scammers work on the principle of low value, high volume scamming.

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The victim sends the money to purchase a webcam and the lady vanishes with the money never to be seen again.

Several weeks later the victim looks at their credit card statement and sees billing for adult chat services.

In this scam the scammer asks you to send money for fees for college, university or other educational activities.

That's particularly true if they've been through difficult circumstances, such as divorce, losing a job, serious illness and other major losses, says Doug Shadel, a fraud researcher and director of AARP Washington.

It's as if "their immune system to fraud" is weakened, Shadel said.