419 scam: ZENITH BANK CHANGES OF BENEFICIARY

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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:
- "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.
- +2348012158176 (Nigeria, prepaid mobile phone)

Fraud email example:

From: ZENITH BANK
Reply-To: <zenithban22@gmail.com>
Date: Sat, 31 Oct 2015 09:32:20 -0700
Subject: CHANGES OF BENEFICIARY

Zenith Bank Plc. 84 Ajose Street Victoria Island Lagos, Nigeria. Tel: +234-=
80121581764 CHANGES OF BENEFICIARY This is the second time we are notifying=
you about this said fund. We hereby send to you the information submitted =
by Mr. John T. Kehoe U.S.A of California, with an application to receive yo=
ur Award Payment of $10,000.000.00.on your behalf from this bank. Please as=
a matter of urgency, you are required to verify the following information =
and inform us if you are aware or know anything about this. This morning Mr=
. John T. Kehoe came to the office claiming that you have instructed him to=
come and receive the payment on your behalf with some representatives. I h=
ave ask them to come back tomorrow as they did not provide any power of an =
attorney from you which will proof that you thoroughly send them, This was =
to enable me contact you to verify how genuine this people are to you. Firs=
tly. Did you instruct one Mr. John T. Kehoe of 122 Fitch Way, Sacramento, C=
a. 95864. whose information's is below, to claim and receive the payment on=
your behalf? Secondly. Did you sign any 'Deed of Assignment' in his favor =
thereby making him the current beneficiary with the following account detai=
ls: Account Name: Mr. John T. Kehoe Group Ltd, A/C #USD114-25567-8, Bank Na=
me: Bank Of America Swift Code: SCBL 11K111. Finally, you are hereby advise=
d to indicate to this honorable Bank with immediate effect, if you are the =
person that instructed Mr. John T. Kehoe to come for the claim of your fund=
worth of $10,000.000.00. NOTE: your full name and telephone number is need=
ed for communications. We wait for your call on +234-80121581764 and urgent=
respond to this bank so that you will be giving an immediate Response. You=
rs sincerely, Dr. Donald Steve Uba Head of Operations. Zenith Bank Plc

Anti-fraud resources:

What can you do when you receive 419 spam