419 scam: Zenith Bank Plc <cdhr@montevideo.com.uy> BENEFICIARY NOTIFICATION OF PAYMENT

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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:
- "dear friend" (a common phrase found in 419 scams)
- "cost of transfer" (this will cost you money - be careful with upfront payments to anyone you only know through email, especially if they promise you a lot of money. NEVER send money by Western Union or MoneyGram to people you do not know personally - NO EXCEPTIONS! Instant wire transfer services are not meant to be used with strangers because they offer no protection against fraud. That is precisely why the criminals want you send money that way. )
- "mtcn" (this will cost you money - be careful with upfront payments to anyone you only know through email, especially if they promise you a lot of money. NEVER send money by Western Union or MoneyGram to people you do not know personally - NO EXCEPTIONS! Instant wire transfer services are not meant to be used with strangers because they offer no protection against fraud. That is precisely why the criminals want you send money that way. )
- "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.

Fraud email example:

From: Zenith Bank Plc <cdhr@montevideo.com.uy>
Reply-To: Zenith Bank Plc <informationdeptzbplc@gmail.com>
Date: Fri, 27 Apr 2012 13:29:44 -0300 (UYT)
Subject: BENEFICIARY NOTIFICATION OF PAYMENT

Â

BENEFICIARY NOTIFICATION OF PAYMENT

PLEASE NOTE THAT THE ZENITH BANK AUDITOR HERE HAS TODAY CONCLUDED TO ACCEPT ONLY $75 TO MAKE SURE THAT YOU CONFIRM $2.8M INTO YOUR ACCOUNT WITH OUT FURTHER DELAY.

MY GOD KNOWS THAT I AM VERY SINCERE TO YOU IN THIS TRANSACTION THEREFORE YOU WILL SURELY RECEIVE $2.8M INTO YOUR ACCOUNT ONCE YOU COMPLY WITH $75 AS THE COST OF TRANSFER (COT).

PLEASE MY DEAR FRIEND, YOU NEED TO ACT URGENT TO SEND ONLY $75 BECUASE THIS IS THE ONLY FEE YOU'RE ENTITLE TO PAY TO RECEIVE YOUR $2.8M WITHOUT ANY FURTHER DELAY. I AM A BORN AGAIN CHRISTIAN I JUST ASSUMES MD OF THIS BANK, AUGUST 1, 2010 THEREFORE CAN NEVER NEVER LET MY FELLOW HUMAN BEING DOWN, AS RESULT OF FEAR OF GOD IN ME. ZENITH BANK PLC AS THE AUTHORISING BANK TO PAY INSTRUCTION HAS BEEN PASSED AS SOON AS YOU PAY ONLY $75 YOU WILL CONFIRM TELEX REPORTS OF $2.8M WITHOUT ANY TROUBLE OR DELAY TO YOU.

SEND THE $75 IMMEDIATELY FOR URGENT TRANSFER OF YOUR FUNDS, TO MY PERSONAL ASSISTANCE WITH THE INFORMATION BELOW.

RECEIVE NAME ==== IFEANYI NTAGBU

DESTINATION=== LAGOS NIGERIA

SENDER'S NAME AND LOCATION:........?

QUESTION:=====AMOUNT

ANSWER:=======$75

TEN DIGITS MTCN.....?

HOPE TO HEAR FROM YOU IMMEDIATELY YOU RECEIVE THIS MASSAGE.

SINCERELY YOURS,

GODWIN EMEFIELE

M.D, ZENITH BANK PLC

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Anti-fraud resources:

What can you do when you receive 419 spam