While the FBI and other federal partners work some of these cases—in particular those with a large number of victims or large dollar losses and/or those involving organized criminal groups—many are investigated by local and state authorities.

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Trouble is, how do you know who's behind the app?

"You can't know a person's intentions over the internet or online, it's just impossible," Pelkki said.

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..

These criminals—who also troll social media sites and chat rooms in search of romantic victims—usually claim to be Americans traveling or working abroad. While their most common targets are women over 40 who are divorced, widowed, and/or disabled, but every age group and demographic is at risk. You’re contacted online by someone who appears interested in you.

"You don't know what's true and what's not true," Saginaw Township Police Department Lt.

John Pelkki said, He said apps like Tinder could be dangerous.

About two years ago I arranged to meet for coffee with a woman I had corresponded with online.

I arrived early and sat at a table in a conspicuous spot.

Saginaw Valley State University student Keithan Jackson agrees.