I lost over $195K to an online romance scam—here’s how it happened

At 32, I had a stable job, good income, and everything in life—except a serious relationship. Then I met her, the woman who not only took my money but also shattered my faith in love. We connected on a financial investment forum.

She claimed to be a 28-year-old fund manager based in Singapore. Our conversations started professionally but soon turned personal. She showered me with attention, always available for warm video calls and nightly goodnight messages. Her sincerity never seemed in doubt.

Months later, she introduced me to an exclusive high-return investment opportunity, claiming it was reserved for trusted individuals. Encouraged by her confidence, I started with VND500 million (US$19,634). Seeing high returns reflected in my account, I invested more. Over time, I transferred a total of VND5 billion (US$196,348).

An online romance scam can lead to both emotional heartbreak and financial loss. Illustration photo from X

Then everything unraveled. When I tried to withdraw my profits, she claimed a fee was required. As I hesitated, she reassured me it was just a minor step. Soon, her messages dwindled, and she stopped answering calls. My investment account was locked, and her social media presence vanished.

In shock, I contacted my bank and reported the scam to the police, but it was too late.

Everything she had told me was a lie. Her identity, photos, and videos had been stolen from someone else. I had fallen for an illusion. The financial loss was devastating, but the betrayal cut even deeper. I realized how easily online personas could be fabricated and how dangerous misplaced trust could be.

I share my story not for sympathy but to warn others seeking love online. Never let emotions override logic, and never send money to someone you have never met in person.

VND5 billion was a painful price for this lesson. But if my experience can prevent others from falling into the same trap, perhaps some good can come from my loss.