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They tell their victims that they are lonely, supporting an orphanage with their own money, needing financial assistance because they can't access their own money in a combat zone, etc.
The money is always sent to a third party to be collected for the scammer.
Victims can be highly traumatized by this and are often very embarrassed and ashamed when they learn they have become a victim of a scam and that the romance was a farce.
In some cases, online dating services are themselves engaged in misrepresentation, displaying profiles which have been fabricated, which use personal information from users who have not agreed to be depicted on the site social accounts, classified sites and even forums to groom new victims.
Scammers prefer to use the images, names and profiles of soldiers as this usually inspires confidence, trust and admiration in their female victims.
Also because military public relations often posts information on soldiers without mentioning their families or personal lives, images are stolen from these websites by organized internet crime gangs often operating out of Nigeria or Ghana.
Sometimes the third party is real, sometimes fictitious.
Funds sent by Western Union and Money Gram do not have to be claimed by anyone showing identification if the sender sends money using a secret pass phrase and response, and can be picked up anywhere in the world.
The scammer will offer to fly to the victim's country to prove that they are a real person. However, when the victim goes to meet the scammer they never show up.The victim contacts the scammer to ask what happened.The scammer will provide an excuse such as not being able to get an exit visa, or illness of themselves or a family member.The scheme usually involves accomplices, such as an interpreter and a taxi driver, all of which must be paid by the victim at an inflated price.Everything is pre-arranged so that the wealthy foreigner pays high amounts of money for accommodation, is taken not to an ordinary public café but to the most costly restaurant (usually some out-of-the-way place priced far above what locals would ever be willing to pay), and is manipulated into making various expensive purchases, including gifts such as electronics and fur coats. The victim leaves just as alone but poorer at the end of the trip.