419 scam: "Mr.DESMOND O'CONNOR" <gooddepartment@yahoo.com> Greeting From Federal Reserve,

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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:
- "western union" (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. )
- "money gram" (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. )
- "courier service" (Courier companies mentioned in 419 scams are always fake. They will have you send money to them, but won't deliver anything. )
- "cotonou" (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.
Western Union money transfer is completely untraceable and therefore is *not* safe to use with anyone you do not know personally. It is the preferred method of online criminals to collect money from their victims.

Fraud email example:

From: "Mr.DESMOND O'CONNOR" <gooddepartment@yahoo.com>
Reply-To: "Mr.DESMOND O'CONNOR" <mconnor82@yahoo.com>
Date: Wed, 28 Nov 2018 19:00:36 +0000 (UTC)
Subject: Greeting From Federal Reserve,

Federal Reserve Bank
530 E Trade St, Charlotte NC 28202-2939. USA.
Greeting From Federal Reserve,

Attn Dear!!

You are hereby notified that i have received your email and it contents, we have today programmed your name on the master card through our interswitch computronic department here in Federal Reserve Bank and your payment is ready this morning. your delayed payment of US$7,800,000 has been credited into the ATM Card.

Furthermore, the card can be used on any ATM machine all over the world or you can go to your personal bank to offload the money that is in the card into your personal bank account. also you are only required to make a total withdrawal of $20,000 to $10,000 per day and the card expires in the next two years interval from the date of issue. your issuance date will start counting as soon as you receive the card and we will immediately activate the card for your use.

Secondly You can Frequently Asked Questions:

Q: Do I need a bank account to use the card?
A: No - you do not need a bank account to use the card.All you need is a
payment card and access to an ATM machine to receive your money.

Q: What currency will I receive my money in?
A: You will receive your money in the currency that the ATM machine provides, which is generally the currency of the country that the ATM machine is located in. When you make your withdrawal, the amount you withdraw will be converted into the ATM's currency at very competitive exchange rates.

Q: Will the ATM card work in my country?
A: Yes - the ATM card will work in almost every country in the world. There are more than a 945,000 ATM machines throughout the world that will accept your card. And Any ATM machine that displays the Visa logo or the PLUS logo will accept the card.

Q: Can I use my card for credit card purchases?
A: YES - You can use it for ALL online purchases.
Your Visa Electron Card can also be used for point-of-sale transactions at select Visa merchant terminals worldwide.

Q: Can I get a second card for my spouse, relative or friend?
A: Only one card can be issued per account, we are unable to issue a second card for any account.

Q: What happens if I do not withdraw my money right away?
A: Nothing - You are not required to withdraw all or any of your money immediately. You can let your money remain in your account indefinitely. Your account balance will be securely held (in US Dollars) and transaction statement will be send to you at the end of each month.

Q: What if I decide later that I no longer want to receive payments through the payment card?
A: No problem - Just send an application with your preferred choice of payment, But this will be after one month" after you receive the atm card. You can keep your card so that you can still access any remaining money in your account or if you decide to use the Card payment option again in the future.

Q: Will my Master Card expire?
A: For security reasons, Your Card will automatically expire on the date printed on the card. This date is 2 years from the time the card is issued. Before your card expires, A new card will be sent to you with a new expiration date.

Q: How do I access my balance online, change my card's PIN or view my transaction history?
A: You will do all this in Automatic Teller Machine(ATM)

Meanwhile, I just called the famous courier companies here to know how much they will take to courier the ATM CARD and some insurance companies too and the charges are below which you will send through western union:

Remember that the fee should send to our Attorney at Benin Republic where your fund was originated, as they are entitle to receive and make every internation payment.

1.DHL charged $40 dollars plus insurance of third class of $30 dollars and it all amounted to $70 dollars.
2.FEDEX charged $65 dollars plus insurance of third class of $35 dollars and it all amounted to $100 dollars.
3.TNT charged $60 dollars plus insurance of third class of $60 dollars and it all amounted to $120 dollars.
2.EMS charged $80 dollars plus insurance of third class of $70 dollars and it all amounted to $150 dollars.

You are to chose from any of the above charges and send to the Attorney name below through western union or Money Gram today or asap:

Receiver's Name__DANIEL UKO
Receiver's Address__No 17 Gariki Road Cotonou,Benin Republic.
Country _Benin Republic
Question: when
Answer: 48hrs
Amount: US dollars

SENDER'S NAME__________________
MTCN__________________

You are to send the courier fee with the insurance from any of the above charges to receive your ATM CARD within 48hrs. The ATM CARD must be insured to avoid theft of the draft by courier attendants.

This Bank can't release the ATM CARD to any courier service without insurance as this Bank is not ready to be held liable for the ATM CARD if stolen, therefore, proper documentation of the ATM CARD must be done from this Bank before the ATM CARD will be handed over to any service company for delivery.

Do not ask this Bank to pay the courier services, we do not engage in free job as this is a Reputable Bank which you knows the ethics.

We are not charging you for the Bank processing and preparation fee, so do not ask the Bank to pay any cost for your ATM CARD as the Bank won't answer that. So, accord this BANK with full respect to get your ATM CARD.

Regards,
Mr.DESMOND O'CONNOR
Federal Reserve Bank
+1(772) 236-7668

Anti-fraud resources:

What can you do when you receive 419 spam