419 scam: "USRA DANBABA"<info@cbn.org> RE: FINAL PAYMENT RECONCILIATION

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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:

An email address listed inside this email has been used in a known fraud before.
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:
- "swift card payment center" (this phrase is often used in the ATM card payment scam)
- ",500,000" (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)
- "00,000.00" (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)
- "central bank of nigeria" (the name of a person or institution often appearing in 419 scams)
- "abuja" (a location commonly mentioned in 419 scams)
- "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.
- +2349036048575 (Nigeria, prepaid mobile phone)
This email lists free webmail addresses. Use of such addresses is typical for scams. Lotteries, banks and any but the smallest of companies do not normally use such addresses. Criminals use them to anonymously send and receive email at Internet cafes.
- dr.w_rmarshall@hotmail.com (email address has been used in a known fraud before)

Fraud email example:

From: "USRA DANBABA" (may be fake)
Reply-To: <usradanbaba@gmail.com>
Date: Thu, 28 Jul 2022 15:04:12 -0500
Subject: RE: FINAL PAYMENT RECONCILIATION

CENTRAL BANK OF NIGERIA
OFFICE OF THE DIRECTORATE OF OPERATIONS
FOREIGN INHERITANCE PAYMENTS & SETTLEMENT
CENTRAL BUSINESS DISTRICT, GARKI, ABUJA FCT, NIGERIA
P.M.B 0187, GARKI, ABUJA NIGERIA

ATTEN: UNPAID BENEFICIARY

RE: FINAL PAYMENT RECONCILIATION

THIS IS TO OFFICIALLY INFORM YOU THAT YOUR PAYMENT FILE HAS BEEN RE-VISITED AND RECONCILED IN-LINE WITH THE NEW CONTRACT/INHERITANCE PAYMENT REFORMATION GUIDELINE, AND THUS CONFIRMED YOU BONAFIDE BENEFICIARY OF INHERITANCE PROCEEDS WITH ACCRUED INTEREST IN THE TUNE OF $10,500,000.00 UNITED STATES DOLLARS.

WE HAVE DISCOVERED WITH DISMAY THAT YOUR PAYMENT HAS BEEN UNNECESSARILY DELAYED SINCE 2008 BY CORRUPT OFFICIALS TRYING TO DIVERT YOUR FUND INTO THEIR PRIVATE ACCOUNTS. HENCE, TO FORESTALL SECURITY ON YOUR FUND, WE HAVE ARRANGED YOUR PAYMENT LOCALLY THROUGH OUR SWIFT CARD PAYMENT WITH ZENITH BANK PLC. WE HAVE ORGANIZED A PERSONAL IDENTIFICATION NUMBER (PIN) ATM DEBIT CARD AS THIS WILL ENABLE ONLY YOU TO HAVE DIRECT CONTROL OF YOUR $10,500,000.00 UNITED STATES DOLLARS. WE HAVE SET-UP AN INVESTIGATION MACHINERY TO STRICTLY MONITOR THE PROCESS TO AVOID REPEATATION OF THE HOPELESS SITUATIONS CREATED IN THE PAST BY CORRUPT OFFICIALS.

BASED ON THE LATEST PAYMENT ARRANGEMENT, YOUR PAYMENT HAS BEEN GAZETTED TO BE PAID TO YOU VIA ATM DEBIT CARD. BY THIS PROCESS, AN ATM CARD WILL BE ISSUED ON YOUR NAME AND YOUR $10,500,000.00 UNITED STATES DOLLARS WILL BE LOADED INTO IT AND DELIVERED TO YOUR POSTAL/MAILING ADDRESS WITH ACTIVATION INSTRUCTIONS THAT WILL ENABLE YOU TO ACTIVATE THE CARD AND WITHDRAW MONEY FROM ANY BANK ATM WORLDWIDE.

YOU ARE HEREBY ADVISED TO CONTACT ACCREDITED SWIFT CARD PAYMENT CENTER ZENITH BANK PLC TO CONCLUDE THE DELIVERY ARRANGEMENT OF YOUR ATM DEBIT CARD TO YOUR ADDRESS AS INSTRUCTION HAS BEEN FORWARDED TO THEM. NOTE THAT WE HAVE CHOSEN ZENITH BANK PLC TO PAY YOUR FUND BECAUSE THEY HAVE A GLOBAL PAYMENTS TECHNOLOGY THAT ENABLES CONSUMERS, BUSINESSES, FINANCIAL INSTITUTIONS AND THE GOVERNMENT TO USE DIGITAL CURRENCY INSTEAD OF CASH AND CHEQUE.

CONTACT ZENITH BANK PLC SWIFT CARD PAYMENT CENTER WITH THE BELOW CONTACT DETAILS.

CONTACT PERSON: DR. W. R. MARSHALL.
DIRECTOR, SWIFT CARD PAYMENTS
ZENITH BANK PLC
57 MARINA, LAGOS ISLAND, LAGOS, NIGERIA
CONTACT EMAIL: dr.w_rmarshall@hotmail.com
DIRECT PHONE: +234-903 604 8575

ALSO FOR YOUR SECURITY, YOU ARE ADVISED TO STOP FURTHER COMMUNICATION WITH ANY OTHER PERSON(S) TO AVOID ANY HITCHES/LAPSES AGAIN RECEIVING YOUR PAYMENT. NOTE THAT BECAUSE OF IMPOSTORS, WE HEREBY ISSUED YOU A CODE OF CONDUCT WHICH IS (ATM-0242). YOU WILL INDICATE THIS CODE WHEN CONTACTING THE SWIFT CARD PAYMENT CENTER USING IT AS YOUR SUBJECT.

THANK YOU AND DO CONTACT THE SWIFT CARD PAYMENT CENTER NOW..

YOURS FAITHFULLY,

MR. USRA DANBABA
HEAD, DIRECTORATE OF OPERATIONS
CONTRACT/INHERITANCE PAYMENTS & SETTLEMENT
CENTRAL BANK OF NIGERIA (CBN)

Anti-fraud resources:

What can you do when you receive 419 spam