St. Louis woman swindled out of $1.2 million by romance scammer

One of the more high-profile and costly romance scams happened in St Louis

 

by PJ Randhawa

ST. LOUIS — The search for love can cost you more than time and heartache.

Federal investigators saw a huge increase in the number of romance scams reported over the past year. One of the more high-profile and costly crimes happened in St Louis.

Federal prosecutors said a St. Louis woman in her 60's was swindled out of $1.2 million after falling in love online.

“She went on one of the dating websites and thought she had met someone that she could build a future with,” said Tracy Berry, Assistant US Attorney for the Eastern District of Missouri.

While the identity of that St Louis woman has not been made public, Berry explains how the scammers adapted their con to fool her.

“[The scammers] used a LinkedIn profile. They use local universities. They use local things that gave her a sense of comfort, that she was dealing with someone that she wouldn't just have an online relationship with, but that she would be able to meet for coffee or dinner or go to a concert with,” said Berry.

Berry said the victim was conned out of money gradually. She was allegedly told the love interest was in Dubai and needed funds for an emergency. Later on, the alleged scammer claimed he had gotten sick in Dubai and needed money for treatment.

“They do it in bits and pieces. They don't ask for $1.2 million all at one time. They may start with $5,000, $10,000,” said Berry.  

Two men from Texas, Rotimi Oladimeji and Olumide Akinrinmade, are now facing federal charges of mail and wire fraud, and identity theft related to that St. Louis case.

And while prosecuting romance scammers doesn't happen often, more than 32,000 incidents of romance scams were reported to the federal trade commission last year.

The growing scam has also caught the attention of congress.

"I was constantly sending him gift cards, even though now I was using up the last of my husband's life insurance. My savings were gone,” said Katie Kleinert, a romance scam victim from Pennsylvania.

Kleinert testified at a recent Congressional hearing involving the Senate Special Committee on Aging about how the romance scammer gained her trust.

“[The scammer] had his kids get in touch with me through email and they started calling me mom, which is my Achilles' heel because I didn't have children of my own,” said Kleinert. “From then, there was always some kind of an emergency or some urgent need for money.”

Growing, profitable scam

Romance scamming netted nearly $300 million in 2020.

The victims hardest hit were between the ages of 60-79.

Berry recommends checking in with any family member involved in an online romance.

“Stop being condescending. Stop saying things that could be interpreted as ‘you think I'm stupid.' Sometimes it might just be sit down with them and say, ‘hey, well, let's look at their Facebook profile’. There's just a way to do it that makes all the difference in the world,” said Berry.

How can you avoid romance scams?

The quickest way to find out if the person you or a loved one is talking to online is legitimate is to do a reverse image search. Start by saving a picture of the person on your computer or smartphone. Then visit Google Images or TinEye. On Google Images, you’ll see a camera icon near the search bar where you click. You can then upload the image in question. Google Image will find out if that image has appeared anywhere else on the internet. Sometimes you will find the image is actually of a model, actor or member of the military.

More information on reverse image searches can be found here.

According to the FTC, here are some ways you can avoid being scammed: 

• Never send money or gifts to a sweetheart you haven’t met in person.
• Take it slowly. Ask questions and look for inconsistent answers. Check the person’s photo using your search engine’s “search by image” feature. If the same picture shows up with a different name, that’s a red flag.
• Talk to someone about this new love interest. And pay attention if your friends or family are concerned.
• If you suspect a romance scam, cut off contact right away. Then, report to the scam to the FTC at ftc.gov/complaint. Notify the dating site where you met the scammer, too.

The Lies Romance Scammers Tell

They’ll often say they’re living or traveling outside of the United States. We’ve heard about scammers who say they are:

• working on an oil rig
• in the military
• a doctor with an international organization

We’ve heard about romance scammers asking their targets for money to:

• pay for a plane ticket or other travel expenses
• pay for surgery or other medical expenses
• pay customs fees to retrieve something
• pay off gambling debts
• pay for a visa or other official travel documents

Scammers ask people to pay:

• by wiring money
• with reload cards like MoneyPak or gift cards from vendors like Amazon, Google Play, iTunes, or Steam

If you’ve already paid someone you think is a scammer, the FTC advises:

Act quickly. If you think you’ve sent money to a scammer or government impersonator, contact the bank, gift card, or credit card company you used to send the money. Tell them that it was a fraudulent transaction. Then ask them to reverse it and give you your money back.

Did you send a wire transfer through a company like Western Union or MoneyGram? If so, contact the wire transfer company. Tell them it was a fraudulent transfer. Ask them to reverse the wire transfer and give you your money back.

MoneyGram: 1-800-MONEYGRAM (1-800-666-3947)

Western Union: 1-800-325-6000

Scammers often ask people to pay using wire transfers. The FTC brought successful cases against both Western Union and MoneyGram, and the companies agreed to return hundreds of millions of dollars to people who were tricked into wiring money to scammers using their services. The settlements also required both companies to make changes to make it harder for scammers to use MoneyGram or Western Union to defraud customers.

Did you send cash? If so, chances are it’s gone. But contact the U.S. Postal Inspection Service at 877-876-2455 and ask them to intercept the package. To learn more about this process, visit USPS Package Intercept: The Basics. If you used another delivery service, contact them as soon as possible.

If you spot a scam, tell your loved ones and people in your community about it so they can avoid it, too. Then tell the Federal Trade Commission at ReportFraud.ftc.gov. Your reports can make a huge difference in knowing what’s happening in your community.

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St. Louis woman swindled out of $1.2 million by romance scammer

Declaring War on Financial Abuse of Older People

Mariana Cooper

Amy A. Lecoq was a stay-at-home mother raising her young son and mourning the death of her mother. But when her grandmother reluctantly admitted five years ago that she had been swindled out of her life savings, Ms. Lecoq sprang into action.

She shed her home-centered life, first to push prosecutors to investigate and bring charges, and then, earlier this year, to become an activist, traveling around her home state of Washington to lecture and testify about the financial exploitation of older Americans. She has also become a lobbyist, exhorting state lawmakers to pass legislation that would toughen penalties for people who take financial advantage of vulnerable older people like her grandmother.

“When I tell our story, so many people tell me that, ‘Oh, that happened to my grandmother, my aunt or some other family member,’” Ms. Lecoq, 41, said in a telephone interview from her home in Camano Island, Wash. “But then they say they didn’t know it was a crime, or they didn’t know it could be reported or punished.”

Her own grandmother, Mariana Cooper, 87, whose financial exploitation was recounted in a 2015 New York Times article, was swindled by Janet Bauml, who had insinuated herself into her life and whom she had come to trust. Over time Ms. Cooper, a widow living by herself, gave more than $217,000 to Ms. Bauml, expecting to be paid back. When she sheepishly admitted to her granddaughter that she had been defrauded, Ms. Lecoq spent months calling law enforcement agents and prosecutors to help make a case for serious theft.

In late 2015, Ms. Bauml was sentenced to three and a half years in prison. After that, Ms. Lecoq said, she personally felt a calling to raise public awareness of such crimes.

“There needs to be a crime called, ‘theft from a vulnerable adult,’ so everyone knows what it is,” said Ms. Lecoq, who also works part-time for a Head Start program.

A number of states have laws like this on the books, but they vary widely. According to the National Conference of State Legislatures, which tracks such laws, this type of financial abuse is an active topic in state capitals. Last year, 33 states, as well as the District of Columbia and Puerto Rico, considered measures against the illegal or improper use of seniors’ money, property or assets, in addition to fraud or identity theft targeting the older people.

Some states have shored up their existing laws. Last year, Idaho revised its definition of neglect of vulnerable adults to include exploitation. Illinois extended the statute of limitations to seven years from three for prosecuting a person accused of taking financial advantage of an older person or a person with disabilities.

Also, last year, Alabama passed the Protection of Vulnerable Adults from Financial Exploitation Act, to add a layer of protection to existing laws by requiring brokers and investment advisers who believe a vulnerable adult is being exploited to notify the Human Resources Department and the Alabama Securities Commission.

The National Conference of State Legislatures keeps a scorecard of such laws, and, as it turns out, Washington is among about a dozen states that do not define financial exploitation of older people as a specific crime. Absent such a provision, it is more difficult, prosecutors say, to cobble together the pieces of evidence required to convict a wrongdoer, such as a financial audit or competency evaluation.

As the number of older, wealthier people grows, so does the number of people eager to prey on them. Occasionally, awareness of such misconduct is heightened by a notorious case like that of Brooke Astor, the New York heiress and socialite whose son was convicted of grand theft in 2009 in connection with her large fortune.

But financial exploitation routinely is overlooked and unreported, prosecutors say, because — unlike child abuse — there are no formal government-run systems for complaints and intervention.

Photo

After her grandmother was a victim of financial exploitation, Amy A. Lecoq worked with Roger Goodman, a Washington state legislator, to strengthen protections for vulnerable adults. Credit Matt Lutton for The New York Times

“There is a sense that this is a family matter, and we shouldn’t intrude,” said Edwin L. Walker, a deputy assistant in the federal Administration on Aging, of the low national priority such misdeeds often receive. “But we’re talking about a crime.”

Under the 2010 Elder Justice Act, the federal government is working to boost awareness of financial abuse and other crimes against older individuals, and to encourage more people to report and take legal action against the misuse of older people’s money.

Senator Susan Collins, Republican from Maine, has introduced legislation aimed at improving the reporting of fraud and teaching seniors to recognize the signs of exploitation. Ms. Collins, who heads the Senate Special Committee on Aging, called financial fraud against older Americans “a growing epidemic that costs seniors an estimated $2.9 billion annually.”

In recent years, the Justice Department has trained prosecutors to handle cases of abuse of older people and offered online training to law enforcement officials nationwide. Since most older people still visit banks, the Consumer Financial Protection Bureau has compiled a list of tips for bank tellers on how to identify and thwart suspicious financial transactions.

Still, it can be an uphill climb to get legislators to declare such financial exploitation a serious crime. Washington state lawmakers had been trying since 2015 to strengthen legal protections, but their efforts had failed.

Two months ago, Ms. Lecoq kicked off her advocacy campaign at Washington’s State Capitol in Olympia, recounting what had happened to her grandmother. Working with the AARP’s state chapter, she helped distribute 8,000 citizen petitions to legislators.

“The person who committed these crimes stole my grandma’s financial security for the remaining years of her life,” Ms. Lecoq told a crowded town hall in March in Kirkland, Wash., a Seattle suburb. “But she took more than money. She stole part of my grandma’s person, the part that was trusting, confident, healthy, independent and proud of herself.”

Because Ms. Cooper also lost her home as a result of the fraud, Ms. Lecoq said that she and her siblings had to sell the “accumulated memories of my grandma’s lifetime to fit her into a tiny apartment.”

Washington and other states without a specific financial exploitation crime on the books typically treat such swindles as ordinary theft — similar to grabbing someone’s purse on the street — and penalties are less severe. For example, the nine-felony count conviction of the woman who stole Ms. Cooper’s money drew a 43-month jail term, longer than the routine sentence because of the large amount of money stolen, but far less than the maximum sentence of 89 months the legislation that Ms. Lecoq is backing would stipulate.

Stiffer penalties are necessary to combat a growing drain on the savings of those 60 and over, according to the National Center for Elder Abuse, a federal clearinghouse. In 2015, in Washington state alone, there were nearly 8,000 complaints to adult protective services about financial exploitation, a more than 70 percent increase over 2010. And such crimes are likely to climb simply because the retiree population is growing.

Representative Roger Goodman, the Democratic state legislator in Washington who sponsored the legislation Ms. Lecoq is championing, also has pushed to increase penalties for neglect of the seniors, and to make it easier to bring charges and secure convictions for both neglect and financial abuse, which often go hand-in-hand.

“This legislation creates a uniform way of dealing with crimes that are currently being treated inconsistently,” Mr. Goodman said in an interview.

On Tuesday, the bill was passed by a unanimous vote. Mr. Goodman said he hopes the measure will result in giving “victims the justice they deserve, and making sure their abusers are held accountable for their crimes.”

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Declaring War on Financial Abuse of Older People