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Romance scams cost nearly 5,900 victims more than .7 million last year, according to the Internet Crime Complaint Center.

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That’s particularly true if they’ve been through difficult circumstances, such as divorce, losing a job, serious illness and other major losses, says Doug Shadel, a fraud researcher and director of AARP Washington.

It’s as if “their immune system to fraud” is weakened, Shadel said.

Victim advocates say the true cost of romance scams is probably much higher than official estimates because victims, men in particular, often stay silent out of shame.

Although older adults are often targeted — more than three-quarters of complaints to federal agencies came from people 40 and older — fraud experts say people of all ages and backgrounds can fall prey to romance scams.