A few months ago, I woke up registered on a dating app. I'm in a 13-year relationship. I did not sign up.

Someone used my email to create a profile on Coffee Meets Bagel. When the platform froze the account, the scammers opened another one. Same email. Same details. Instantly. By the third account, customer support still hadn't replied.

What starts as fake dating profiles doesn't stay there. They become romance scams. Then a loss your FI absorbs while the dating platform moves on with no accountability for the identity verification failure and no skin in the game.

Dating platforms have no chargebacks, no regulatory pressure, and no reason to fix the lack of account takeover detection. So who actually bears the cost, and why are we still waiting for them to care about APP fraud prevention?

• How dating app identity theft becomes a gateway to romance scams and APP fraud
• Why dating platforms have no structural incentive to prevent account misuse
• What the upstream fraud trail looks like, and who ends up paying downstream

• Fraud ops teams at FIs and fintechs
• Teams working with identity verification systems
• Risk and compliance professionals tracking APP fraud vectors
• Anyone watching romance scam trends