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The Merchant Risk Council's Ferguson said victims can always contact her agency for help returning merchandise to the retailers.

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By Valentine's Day, Smalley received a box of chocolate candy, a teddy bear, and a helium balloon that said "I love you." Smalley, 46, was hooked, even though she had never met him.

Richie said he was from Milford, Mass., but that he was out of the country on a big construction job.

Scam artists post ads to online dating sites and lurk in chat rooms with names like "40 and single," or "Recently dumped." Often, they reach out to a lonely soul with flowers or candy, purchased with a stolen credit card.

"A little gift of flowers or candy is a good aphrodisiac," said Miskell. I can't tell you the number of women who have fallen for this." Eventually, the con artists convince their soulmates to do them a big favor — help transfer funds out of the bank.

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