419 scam: BANK PHB PLC <info@bankphb.com> REF:- INSTRUCTION TO CREDIT YOUR BANK ACCOUNT

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"419" Scam – Advance Fee / Fake Lottery Scam

The so-called "419" scam is a type of fraud dominated by criminals from Nigeria and other countries in Africa. Victims of the scam are promised a large amount of money, such as a lottery prize, inheritance, money sitting in some bank account, etc.

Victims never receive this non-existent fortune but are tricked into sending their money to the criminals, who remain anonymous. They hide their real identity and location by using fake names and fake postal addresses as well as communicating via anonymous free email accounts and mobile phones.

Keep in mind that scammers DO NOT use their real names when defrauding people.
The criminals either abuse names of real people or companies or invent names or addresses.
Any real people or companies mentioned below have NO CONNECTION to the scammers!

Read more about such scams here or in our 419 FAQ. Use the Scam-O-Matic to verify suspect emails.

Click here to report a problem with this page.

Some comments by the Scam-O-Matic about the following email:

This email uses a separate reply address that is different from the sender address. Spammers use this to get replies even when the original spam sending accounts have been shut down. Also, sometimes the sender addresses are legitimate looking but fake and only the reply address is actually an email account controlled by the scammers.
The following phrases in this message should put you on alert:
- "transfer of your funds" (they want you to be blinded by the prospect of quick money, but the only money that ever changes hands in 419 scams is from you to the criminals)
- "lagos" (a location commonly mentioned in 419 scams)
This email message is a 419 scam. Please see our 419 FAQ for more details on such scams.
This email lists mobile phone numbers. Use of such numbers is typical for scams because they allow criminals to conceal their true location. They can receive calls in an Internet cafe from where they send you emails, while pretending to be in some office.
- +2348022268828 (Nigeria, prepaid mobile phone)

Fraud email example:

From: BANK PHB PLC <info@bankphb.com>
Reply-To: remittancebankphb2@gmail.com
Date: Sat, 22 May 2010 09:50:27 -0300
Subject: REF:- INSTRUCTION TO CREDIT YOUR BANK ACCOUNT

BANK PHB PLC
Plot 2401, Cadastral Zone A7, Wuse II
Lagos, Nigeria.
Tel: +234-802-226-8828, +234-803-239-8698

Attention: Beneficiary,

REF:- INSTRUCTION TO CREDIT YOUR BANK ACCOUNT

This is to notify you about the status of your funds ($9.5 MILLION USD)
right now in our Bank. After due vetting and evaluation of your payment
file which the Ministry of Finance forwarded and contacted us to see to
your immediate payment.

>From our findings you have been going through hard ways to see to the
release of your funds which has been delayed. We advice that you stop
further communication with any correspondence from Uk, Asia, Nigeria or any
part in the world. As the Ministry of Finance and Federal Government of
Nigeria has appointed our Bank to effect all foreign overdue payment, due
to allegations of corrupt practices against other Nigeria Banks.

You are advised to get back to us immediately to enable our Bank effect
the transfer of your funds into your designated Bank account. If you follow
up our directives your funds will reflect in your account within three
working Bank days.

Do not go through anybody again but through this Bank if you really want
your funds.

Please fill/reconfirm the following information and get back to us.

FULL NAME:......................
ADDRESS/ COUNTRY:...............
TELEPHONE:......................
DATE OF BIRTH/ AGE:.............
OCCUPATION:.....................

We await your response.

Yours In Service,

Mr. Frank Atuche,
Executive Director,
Banking Operations And Country Business Manager
Bank PHB Lagos, Nigeria.

Anti-fraud resources:

What can you do when you receive 419 spam