Looking at a scam email

Since I get so many of these emails in my spam folder, and people ask me “How do you know it is a scam?” I thought that I would start taking some of the emails that I get and posting them here and showing how you can tell it is a scam.

Subject: DEAR BENEFICIARY,
From: revphillip02@msn.com
Reply To: revphillips_matthews@ymail.com

(having two different email addresses, one that it is sent from and one that you reply to, is a typical scam email trait.  This is often because they are working with a group of people . . . one is sending out the emails, and another one works the scam when people reply)

DEAR BENEFICIARY,

 

VERIFICATION OF YOUR PAYMENT/WINNINGS FILE.

 

THIS IS TO INFORM YOU THAT FROM THE RECORDS OF OUTSTANDING PAYMENT WITH THE
FEDERAL GOVERNMENT OF NIGERIA, THE SOUTH AFRICAN GOVERNMENT, THE UNITED
KINGDOM GOVERNMENT, DEMOCRATIC REPUBLIC OF GHANA, REPUBLIQUE DE COTE
D’LVOIRE YOUR NAME/PARTICULARS WAS DISCOVERED AS NEXT ON THE LIST OF
OUTSTANDING ONTRACTOR/INHERITANCE/LOTTERY WINNER WHO HAVE NOT RECEIVED THEIR
PAYMENT.

First, anything that says Nigeria or South African Government is a scam red flag.  Second, if you did not enter a lottery, you are not a winner.
I WISH TO INFORM YOU THAT YOUR PAYMENT IS BEING PROCESSED FROM THE ABOVE PAN
AFRICAN BANK (CENTRAL BANK OF NIGERIA) AND WILL BE RELEASED TO YOU AS SOON
AS YOU RESPOND TO THIS LETTER. ALSO NOTE THAT FROM THE RECORD IN MY FILE,
YOU ARE FOUND AS ONE OF THE ABOVE BENEFICIARIES FROM THE ABOVE MENTIONED
NATIONS YET TO RECEIVE OUTSTANDING PART PAYMENT OF US$10,500,000.00 (TEN
MILLION FIVE HUNDRED THOUSAND UNITED STATES DOLLARS).
KINDLY RE-CONFIRM TO ME THE FOLLOWING:
1) YOUR FULL NAME………………………………..

 

2) YOUR CONTACT ADDRESS ………………………….

 

3) YOUR FULL BANKING DATA…………………………

 NEVER give out your bank info!  They will just use it to drain your account.

4) PHONE, FAX AND MOBILE………………………….

 

5) PRIVATE EMAIL ADDRESS…………………………

 

6) PLACE OF WORK AND ADDRESS………………………

 

7) AGE AND MARITAL STATUS…………………………
AS SOON AS THE ABOVE INFORMATION ARE RECEIVED, YOUR PAYMENT WILL BE MADE TO
YOU IN A CERTIFIED BANK DRAFT OR DIRECT WIRE TRANSFER TO YOUR NOMINATED BANK
ACCOUNT FROM EITHER OF OUR UNITED STATES PAYMENT CENTERS OF; CITI BANK NEW
YORK OR BANK OF AMERICA CALIFORNIA, ROYAL BANK OF SCOTLAND AND HSBC BANK IN
LONDON UK.
PAYMENTS ARE ALSO DESIGNED TO BE PAID THROUGH OUR U.S.A CORRESPONDENT BANKS
OF FIRST NATIONAL BANK, PSG INVESTMENT BANK, NBS BANK, NEDBANK, SOUTH
AFRICAN RESERVE BANK, STANDARD BANK OF SOUTH AFRICA, STANBIC BANK, RAND
MERCHANT BANK, WESBANK, FIRSTRAND BANK, MERCHANTILE LISBON BANK, ALLIED BANK
AND ABN AMRO IF BENEFICIARIES FUNDS ORIGINATE FROM SOUTH AFRICA OR ANY OF
THESE BANKS OFFICES IN AFRICA.
BENEFICIARIES ARE STRONGLY NOTIFIED THAT FINAL PAYMENTS ARE MADE THROUGH PAN
AFRICAN BANK (CENTRAL BANK OF NIGERIA) YOU CAN EMAIL ME ON MY DIRECT MAIL
ADDRESS AS SOON AS YOU RECEIVE THIS MEMO FOR MORE DETAILS.

 

REGARDS,
REMAIN BLESSED
REV PHILLIPS MATTHEWS
DIRECTOR FOREIGN REMITTANCE UNIT.
CENTRAL BANK OF NIGERIA (CBN)

Oh, and if he is with the Central Bank of Nigeria, why is he contacting you through a msn.com email account?  Wouldn’t it be an official email address connected with the bank?

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