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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.
Read more about such scams here or in our 419 FAQ. Use the Scam-O-Matic to verify suspect emails.
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Fraud email example:
From: erickuma80@yahoo.com
Date: Thu, 11 Mar 1999 17:12:42 -0800
Subject: TRANSFER OF FUND
ERIC KUMA
SOUTH AFRICA.
+27-731-777-009
Dear ,
I am ERIC KUMA, head of international private banking at First
National
Bank, hereinafter called F.N.B, I am contacting you concerning a
deceased
customer,and an investment he placed under our banks management
3years
ago.I
would respectfully request that you keep the contents of this
confidential and respect the integrity of the information you
come by
as a
result of this mail.
I contact you independently and no one is informed of this
communication.I
would like to intimate you with certain facts that I believe
would be
of
interest to you.
In 1999, the subject matter came to our bank to engage in
business
discussions with our private banking division. He informed
us that he
had a
financial portfolio of 8.3 million US DOLLARS, which he
wished to have
us
turn over (invest) on his behalf.I was the officer assigned
to his
case, I
made numerous suggestions in line with my duties as the de-facto
chief
operations officer of the private banking sector, especially
given the
volume of funds he wished to put into our bank.
We met on numerous occasions prior to any investments being placed. I
encouraged him to
consider various growth funds with prime ratings.
The favored route in my advise to customers is to start by
assessing
data on
6000 traditional stocks and bond managers and 2000 managers of
alternative
investments. Based on my advice, We spun the money around various
opportunities and made attractive margins for our first months of
operation,
the accrued profit and interest stood at this point at over
10 million
US
DOLLARS, this margin was not the full potential of the fund
but he
desired
low risk guaranteed returns on investments. In mid 2002, he
asked that
the
money be liquidated because he needed to make an urgent investment
requiring
cash payments.He directed that I liquidate the funds and have it
deposited
with a security firm.
I informed him that F.N.B would have to make special arrangements
to
have
this done and in order not to circumvent due process, the bank
would
have to
make a 9.5 % deduction from the funds to cater for banking and
statutory
charges. He complained about the charges but later came around
when I
explained to him the complexities of the task he was asking of us.
Large
cash movements have become especially strict since the incidents
of
9/11. I
contacted my affiliate and had the funds available as he had
requested.
I undertook all the processes and made sure I followed his
precise
instructions to the letter and had the funds deposited with a
security
consultancy firm. This security firm is an especially private
firm that
accepts deposits from high net worth individuals and blue chip
corporations
that handle valuable products or undertake transactions that need
immediate
access to cash.
This small and highly private organization is familiar especially
to
the
highly placed and well-connected organizations. In Line with
instructions,
the money was deposited with them.He told me he wanted the money
there
in
anticipation of his arrival from Norway later that week. This was
the
last
communication we had, this transpired around 25 th February 2003.
In June last year, we got a call from the security company
informing us
of
the inactivity of that particular portfolio. This was an
astounding
position
as far as I was concerned, given the fact that I managed
the private
banking
sector I was the only one who knew about the deposit at the
security
company, and I could not understand why our client had not
come forward
to
claim his deposit.I made futile efforts to locate him.
I immediately passed the task of locating him to the internal
investigations
department of the bank. Four days later, information started
to trickle
in,
apparently our man was dead. A person who suited his description
was
declared dead of a heart attack in Canne, South of France.
We were soon
enough able to confirm all of this including cause of death.
The bank
immediately launched an investigation into possible surviving
next of
kin to
alert about the situation and also to come forward to claim his
estate.
If you are familiar with private banking affairs, those who
patronize
our
services usually prefer anonymity, but also some levels of
detachment
from
conventional processes. In his bio-data form, he listed no next
of kin.
In
the field of private banking,opening an account with us means no
one
will
know of its existence,accounts are rarely held under a name;
depositors
use
numbers and codes to make the accounts anonymous.
This bank even gives the choice to depositors of having their
mail sent
to
them or held at the bank itself, ensuring that there are no
traces of
the
account and as I said, rarely do they nominate next of kin.
Private
banking
clients apart from not nominating next of kin also usually
in most
cases
leave wills in our care, in this case; our now deceased client
died in
testate. In line with our internal processes for account holders
who
have
passed away, we instituted our own investigations in good faith
to
determine
who should have right to claim the estate. This investigation has
for
the
past months been unfruitful. We have scanned every continent
and used
our
private investigation affiliate companies to get to the root
of the
problem.
It is this investigation that resulted in my being furnished
with your
details as a possible relative of the deceased.My official
capacity
dictates
that I am the only party to supervise the investigation and
the only
party
to receive the results of the investigation.
It is quite clear now that our dear fellow died with no known
or
identifiable family members. This leaves me as the only person
with the
full
picture of what the prevailing situation is in relation
to the deposit
and
the late beneficiary of the deposit.
According to practice,the security company will by the end of
this year
broadcast a request for statements of claim to F.N.B, failing to
receive
viable claims they will most probably revert the deposit to
F.N.B. This
will
result in the money entering the F.N.B accounting system and the
portfolio
will be out of my hands and out of the private banking division.
This
will
not happen if I have my way.
What I wish to relate to you will smack of unethical practice
but I
want you
to understand something. It is only an outsider to the banking
world
who
finds the internal politics of the banking world aberrational.
The
world of
private banking especially is fraught with huge rewards for
those who
sit
upon certain chairs and oversee certain portfolios. You should
have
begun by
now to put together the general direction of what I propose.
There is
USD$
8.3M deposited in a security company.I alone have the deposit
details
and
they will release the deposit to no one unless I instruct them
to do
so.
I alone know of the existence of this deposit for as far as
F.N.B is
concerned, the transaction with the late Customer concluded
when I sent
the
funds to the security company all outstanding interactions
in relation
to
the file are just customer services and due process.The security
company has
no single idea of what's the history or nature of the deposit.
They are
simply awaiting instructions to release the deposit to any
party that I
may
direct.This is the situation.
This bank has spent great amounts of money trying to track
this man's
family; they have investigated for months and have found no
family. The
nvestigation has come to an end. My proposal; you share similar
details
to
the late fellow; I am prepared to instruct the security company
to
release
the deposit to you as the closest surviving relation. Upon
receipt of
the
deposit, I am prepared to share the money with you in half.
That is: I
will
simply nominate you as the next of kin and have them release
the
deposit to
you.We share the proceeds 50/50. You with the same very name
as the
original
depositor would easily pass as the beneficiary with right to
claim.
I assure you that I could have the deposit released to you
within a few
days.I will simply inform the bank of the final closing of the file
relating
to our late client.I will then officially communicate with the
security
company and instruct them to release the deposit to you.With
these two
things: all is done.
The alternative would be for us to have the security company
direct the
funds to another bank with you as account holder.This way there
will be
no
need for you to think of receiving the money directly from
the security
company as it is not a conventional financial institution;
they accept
deposits from only organizations thus; what you hand over to
them is
what
you get back. They do not have the means to process the money.
We can fine-tune this based on our interactions.I am aware of
the
consequences of this proposal.I ask that if you find no interest
in
this
project that you should discard this mail.I ask that you do
not be
vindictive and destructive.If my offer is of no appeal to you,
delete
this
message and forget I ever contacted you. Do not destroy my career
because
you do not approve of my proposal. You may not know this but
people
like
myself who have made a tidy sum out of comparable situations
run the
whole
private banking sector.
I am not a criminal and what I do, I do not find against good
conscience,
this may be hard for you to understand, but the dynamics of
my industry
dictates that I make this move. Such opportunities only come
ones way
once
in a lifetime.I cannot let this chance pass me by.For once
I find
myself in
total control of my destiny.This chance wont pass me by.
I ask that you do not destroy my chance, if you will not
work with me
let me
know and let me move on with my life but do not destroy me.I
am a
family man
and this is an opportunity to provide them with new
opportunities.There
is a
reward for this project and it is a task well worth undertaking.
I have
evaluated the risks and the only risk I have here is from you
refusing
to
work with me and alerting my bank.
I am the only one who knows of this situation, good fortune
has blessed
you
with a name that has planted you into the center of relevance
in my
life.
Lets share the blessing.If you find yourself able to work with
me,contact me
through this same email account. If you give me positive signals,
I will
give
you the relevant details and initiate this process towards a
conclusion.
I wish to inform you that should you contact me via official
channels;I
will
deny knowing you and about this project.I repeat,I do not want
you
contacting me through my official phone lines nor do I want you
contacting
me through my official email account. Contact me only through this same
email account I do not want any direct link between you and me. My
official
lines are not secure lines as they are periodically monitored to assess
our
level of customer care in line with our total Quality Management
Policy.Please observe this instruction religiously.
Please, again, note I am a family man,I have wife and children.I send
you
this mail not without a measure of fear as to what the consequences,
but I
know within me that nothing ventured is nothing gained and that success
and
riches never come easy or on a platter of gold.This is the one truth I
have
learned from my private banking clients. Do not betray my confidence.I
await
your response.
Sincerly,
ERIC KUMA
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