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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: Charlene Mungano <>
Date: Fri, 14 Apr 2023 22:09:15 +0100
Subject: Your ATM card is Awaiting Clearance and Delivery.

Dear beneficiary, my name is Charlene Mungano, a top official with the
Central Bank's Foreign Remittance Department and recently served as
an observer for the just concluded Auditing exercise by the office of
the Auditor General of KENYA. This is coming after the verdict of the
supreme court and efforts of the Federal government of Kenya to rid
the country of dormant funds and assets being held in Kenya Offshore
accounts by foreign officials and firms in Kenya. These funds and
assets were either legally deposited/invested in Kenya or illegally
hidden and diverted from individuals and/or firms resulting from
contracts, winnings, inheritances. Many of the dormant accounts and
assets are dated back to decades and some are either difficult to
trace and connect to their beneficiaries or possible next of kin, this
is contained in the official report

The Central bank and Finance department are therefore in close contact
with the USA, UK and EU Commissions and various other Missions under
strict supervision of the UN envoy office in Kenya towards ensuring
that individual beneficiaries are traced for immediate claims of funds
and assets. Also considering the security aspect and validity period
with cheques and shipment delays caused by the Covid-19 restrictions,
the payout bank (NCBA) is authorized to load beneficiary's funds into
a new ATM visa card as the mode of payment. Your ATM card is accepted
worldwide with a $20,000 daily cash withdrawal limit and unlimited
card payment until your $10.7million is duly utilized. Kindly contact
the branch manager (Jeff Okulo) of NCBA Bank Kenya PLC in charge for
immediate clearance and onward delivery of your ATM card. Provide the
below information for identification, clearance and delivery of ATM

Full Name (As contained on your current proof of Identity or valid
government issued document) ..........
Address (Current home/office address for delivery of your ATM card) ............
Phone Number.......

Please endeavor to indicate the payment file registration number which
is ( ATM-GTC06349 ) to the assigned bank manager.

Contact the assigned agent Dr. Jeff Okulo with your information where
to deliver your ATM Card.
Contact name: Jeff Okulo
Email( )

Inform me once you have received your ATM card.

Sincerely yours,
Charlene Mungano
Central Bank Foreign Remittance Department.

Anti-fraud resources: