419 scam: "CENTRAL BANK OF NIGERIA (CBN)" <janinemaharaj5@gmail.com> Dear Esteemed Customer

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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:
- "insurance fee " (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. )
- "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. )
- "million dollars" (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)
- "diplomatic courier" ("diplomats" who perform deliveries of cash or other valuables to you only exist in 419 scams)
- "courier service" (Courier companies mentioned in 419 scams are always fake. They will have you send money to them, but won't deliver anything. )
- "executive governor" (the name of a person or institution often appearing in 419 scams)
- "central bank of nigeria" (the name of a person or institution often appearing in 419 scams)
- "abuja" (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.
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.
- +2349077679845 (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.
- godwinemefiele233@aol.com (AOL; can be used from anywhere worldwide)

Fraud email example:

From: "CENTRAL BANK OF NIGERIA (CBN)" <janinemaharaj5@gmail.com>
Reply-To: Telegraphicwiretransfer@outlook.com
Date: Mon, 3 Apr 2023 20:49:56 -0700
Subject: Dear Esteemed Customer

Dear Beneficiary

This is to let you know that we have received an instruction from the
United Nation by orders of the Ministry of Finance, Nigeria to release
your Approved payment of US$27Million Dollars via ATM cash Card which
you will use to withdraw your US$27Million Dollars from any ATM
Machine in any part of the world.

I must thank you and assure you that ATM Card number
40661730360290712; has been approved and upgraded in your favor today.
The amount upgraded in the ATM CARD is US$27Million Dollars and your
secret pin number is 8081, Right now, Invitation have been extended to
you to visit CENTRAL BANK OF NIGERIA for collection of your ATM cash
Card and PIN NUMBER so that you can activate it by yourself and start
withdrawing funds from any ATM Machine in your country but the amount
you can withdraw in a day is $20,000 dollars per day as we have
programmed it.

Alternatively, if you are unable to visit CENTRAL BANK OF NIGERIA for
collection of this your ATM cash Card and PIN NUMBER, you must
therefore apply for the ATM cash Card and PIN NUMBER to be sent to you
via our diplomatic courier service at your own expenses by-offsetting
the following payments such as; (1) Shipment fee of the ATM cash Card
to your address amounting to US$55.00. (2) Insurance Coverage of the
ATM cash Card amounting to USDS$45.00.

Both payments is the sum of US$100.00 must be paid to enable us ship
the ATM cash Card to your address to enable you start withdrawing your
US$27Million Dollars from any ATM machine in any part of the world.
This ATM cash Card must be insured so that it can get to you without
any problem and diversion. This is because this ATM cash Card can be
use to withdraw funds from any ATM Machine in every part of the world.

Package Contents: ATM card,Certificate and Security Documents.

Weight of Original Certificate: 1.13kg
Weight of ATM CARD: 0.6g
Total weight of Parcel: 0.18g
Total Net weight of Parcel: 0.20g
Colour of Parcel: brown
Parcel Packaging: Bonded

So, if you cannot come to CENTRAL BANK OF NIGERIA for collection of
your ATM cash Card, you must therefore kindly go right now To western
union or money gram and send this shipment and insurance fee of
US$100.00 via Bitcoin Wallet, World Remit, Ria or Western Union Money
transfer or money gram with the details below And write your MTCN
number down and your sender name below down the details

Receiver's Name. OKELUE CHIEDU PATRICK
Country. Nigeria
City. Abuja
Telephone: +234-9077679845
Amount $100.00
MTCN. .
Sender. .

As soon as the fee is received, we shall immediately dispatch the ATM
cash Card to you and it will take only 2days to arrive to your address
to enable you start withdrawing funds that same day from any ATM
machine nearest to you.

Thanks for your understanding and we are waiting for your quick reply
and the payment information.

Regards,

Mr. Godwin Emefiele
Godwinemefiele233@aol.com
Executive Governor Central Bank of Nigeria.

Anti-fraud resources:

What can you do when you receive 419 spam