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Do your fellow legitimate members a favor and be sure to report abusers. Budgyk, 56, doesn't suffer for a lack of confidence, but he also knows something is amiss when a model half his age just can't get enough of him.

"When some 25-year-old girl is telling you that she's in love with you, you have to wonder why," he says. If a 25-year-old model is contacting a 50-year-old man, there's something wrong." Scammers look for vulnerable populations -- women and men in their 50s and 60s who are divorced or widowed and may feel rejected or past their prime.

But as Valentine’s Day gets closer, the FBI wants to warn you that criminals use these sites, too, looking to turn the lonely and vulnerable into fast money through a variety of scams..

"He said he was going to pay me back double," she laughs.

Though the amounts and details of the scam vary from victim to victim, when it comes to romance scams, the con is almost always the same: The crook wants to get a besotted victim to wire money or provide access to a credit card.

Sh'reen Morrison had been on an online dating site for only a few weeks before she realized that something was seriously wrong with the man who had been actively pursuing her by text message and email.

They'd hit it off right away, and he said he lived just outside of Phoenix, which seemed relatively proximate to a woman in remote Yuma, Ariz. First, he was traveling through India with his daughter.

"I probably hear from five scammers a night," says Marko Budgyk, a Los Angeles financier who has frequented several online dating sites over the past 10 years.

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