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“There was one woman who got scammed for over a million dollars, her whole retirement nest egg,” says Farquhar.

The CR survey found that 35 percent of respondents who’ve tried online dating felt they had been grossly misled by someone’s online profile, and 12 percent said they’d been scammed.

“That big investment gives victims a false sense that the relationship must be real.” Eventually a pitch for money comes.

Often the scammer will say an emergency situation has arisen and money is needed fast to avoid dire consequences.

“All kinds of people are doing it,” says Caploe, 54, a publisher who lives in New York City.

The scammer might say that an immediate family member has a medical emergency and needs money for treatment, or that he has been wrongly arrested and needs help with bail money and legal support.

Choose a friend or someone from your church or community who is less emotionally invested than you are. And remember: If the request for funds is indeed a scam, it may be difficult if not impossible to ever recover the money.

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“It’s a product of the growing normalcy of using social media apps,” says Moira Weigel, author of “Labor of Love: The Invention of Online Dating” (Farrar, Straus & Giroux, 2016).

“Our real-life and online identities are more and more interwoven.” Because of this cultural shift, online dating sites now have unprecedented reach into our lives. Reams have been written about online dating, but as far as we know, no one has put the sites to the test.