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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.

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

Fraud email example:

From: "Mr.Brian Moynihan" <>
Date: Mon, 14 Sep 2020 05:11:19 -0700
Subject: Attn:Dear Valued Beneficiary,

Bank of America Corporate Office Headquarters
100 N.Tryon St Charlotte,NC 28255 USA
Our Ref:BOA/IRU/SFE/10.5/WD/2020

Attn:Dear Valued Beneficiary,

I am obliged to update you of the meeting held on March 28th, 2020
between the US Department of the Homeland Security, the Central
Intelligence Agency, the International Monetary Fund (IMF), the World
Health Organisation (WHO) and other concerned monetary agencies
regarding your overdue fund of $10.5m which was returned to the
federal treasury due to your inability to fulfill the obnoxious
financial requirements set for receiving the payment.

After going through your payment files, it was confirmed that the
inconvenience and financial commitments required of you so far in the
pursuit of this fund were enormous and resulted in your inability to
follow up. However, considering your efforts towards achieving this
aim, we have come to maintain equity, justice, and fairness in our
dealings with beneficiaries such as yours, hence we have recommended
that your funds should be reversed from the government treasury and be
released to you accordingly. The government has graciously accepted
our recommendations as part of the ameliorating measures to stem the
Covid-19 pandemic.

So on this note, we have immediately secured approval for payment on
your behalf and have processed your fund release to this effect and
our bank-Bank of America has been chosen as one of the banks to handle
the payment to approved beneficiaries.

We have two options for the disbursement of the funds; either bank
wire transfer to your designated bank account or ATM debit card that
will be dispatched to the address you will provide.

You are requested to re-confirm the following details to enable us to
ensure that we are dealing with the rightful beneficiary:

1) Your Full Name / Your Full Address:.......................

2) Your Phones, Fax and Mobile No:.......................
3) Profession / Age:........................ .......
4) Copy of any valid form of your Identification:...............

Finally, I want you to know that all modalities have been put in place
for the successful payment of your overdue fund of US$10.5m and the
process is 100% genuine, transparent and risk-free, as all
international rules and regulations concerning fund payment have been
adhered to.

This is a golden opportunity for you now to receive your fund. Thanks
for your anticipated co-operation. Have a nice day

Yours faithfully,
Mr.Brian Moynihan
Bank of America
Corporate Office Headquarters,Charlott

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