419 scam: "Federal Reserve Bank"<frb01@yahoo.com.hk> Irrevocable Payment Transfer Approval Order.

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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:
- "from the desk of" (a common phrase found in 419 scams)
- "consignment " (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)
- "certified bank draft" (Beware of any scheme that involves cashing checks or money orders and then wiring a portion of the funds somewhere - you'll be liable for the entire amount if the checks or money orders turn out to be fake, even after you have received and forwarded cash. If it's a lottery prize, remember that real lotteries do not pay large prizes by check. They wire the money directly to your bank account and you do not pay for that. Many scammers promise a large check only in order to then demand payment of courier fees for a fake courier service. )
This email message is a 419 scam. Please see our 419 FAQ for more details on such scams.

Fraud email example:

From: "Federal Reserve Bank" (may be fake)
Reply-To: <msgibson01@terra.com>
Date: Thu, 20 Mar 2014 10:33:39 +0400
Subject: Irrevocable Payment Transfer Approval Order.

>From the desk of: Michael S. Gibson
Director, Division of Banking Supervision and Regulation,
Federal Reserve Bank
Address: 33 Liberty Street, New York, NY,
United States
Hours of Service: 8:00 am - 6: 00 pm
Our Ref: FRB/NY/USA/Vol1.

Attention: Distinguished Beneficiary,

This is to inform you that we have been mandated to carry on the assignment to credit your account with an approved sum of $18.5 Million by the U.S Government/World Bank Auditors to increase your business and your well-being as one of the lucky beneficiary among the 700,000 beneficiaries/individuals in U.S.A, UK, Europe and Asian to increase their business and well-being.

As a matter of urgency the release of this fund require, we have four (4) methods of releasing this fund they are as follows:-

1. Payment by telegraphic wire transfer
2. Payment by ATM Card
3. Payment by certified bank draft
4. Payment by cash consignment package delivery.

You are advised to choose from any of the above option in which you would be satisfy to receive your fund from our bank to enable this office advice on the procedure to follow process as require.

This is a legitimate fund that originated from a rightful source of the U.S Government to ensure that every beneficiary whose names are listed on our payment schedule book receives their funds including you, and that is why we are contacting you from this venue to inform you about the on going transaction of your approved payment.

Your urgent response to this notification will motivate this office to adhere to the instruction bestowed on us by the fund approved bodies for further record/update to the economic decision making body of this approved fund on your behalf as one of the chosen beneficiary.

Thanks for your understanding,

Best Regards
Michael S. Gibson
Director, Division of Banking Supervision and Regulation,
Federal Reserve Bank

Anti-fraud resources:

What can you do when you receive 419 spam