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It's pretty easy to tell: They send the same message over and over, often with the same link.

The cost of 1 minute of each of the services is equal to 1 credit (the website’s virtual currency).

"In the process of going back and forth, a scammer is going to try to figure out what makes a person tick, what their vulnerable spots are," said Jenny Shearer, an FBI spokeswoman.

"Because a victim has legitimate feelings, they might be inclined to offer financial support for this person." For Best, it all started when she signed up for a free online dating site called mingle2.

Denise Winston, founder of the personal financial education website Money Starts Here and a banker for more than 25 years, says she's "seen it all" when it comes to cheating spouses and how their shopping habits have brought them down.

Therefore, she says, if you suspect adultery, gather statements from the past year and scrutinize each line item for funny business.