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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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Some comments by the Scam-O-Matic about the following email:
Fraud email example:
From: "Wang Yan" <wangyan97@boc.cn>
Reply-To: lejemic2@yahoo.com.cn
Date: Wed, 25 Feb 2009 13:51:14 -0600 (CST)
Subject: BEST REGARDS,
Good Day,
Greetings to you and your family, I am a staff of Private Banking
Services at the Bank of China (BOC). I am contacting you concerning
our customer and, an investment placed under our banks management 3
years ago.
I would respectfully request that you keep the contents of this mail
confidential and respect the integrity of the information you come
by as a result of this mail. I contacted you independently of our
investigation 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 2002, the subject matter; ref: bb/boc/bank/0012 came to our bank
to engage in business discussions with our Private Banking Services
Department. He informed us that he had a financial portfolio of
8.370 million United States 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 Services Department, 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 advice 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 United States Dollars, this margin was
not the full potential of the fund but he desired low risk
guaranteed returns on investments.
In mid 2004, he asked that the money be liquidated because he needed
to make an urgent investment requiring cash payments in Europe. He
directed that I liquidate the funds and had it deposited with a
firm. I informed him that the bank 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. Cash movement across
borders has become especially strict since the incident of 9/11. I
contacted my affiliate in and had the funds available.
I undertook all the processes and made sure I followed his precise
instructions to the letter and had the funds deposited in a security
consultancy firm, the firm is a specialist 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.
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 9th October 2004.
In January this year, we got a call from the security firm informing
us that 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 , and I could not understand why he 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 of china. Four days later,
information started to trickle in, apparently he 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 identify the
body and cause of death was confirmed.
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 also 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; he
died intestate.
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. The investigation did
not ever yield any result 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.
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 firm will by
the end of this financial year broadcast a request for statements of
claim to BOC, failing to receive viable claims they will most
probably revert the deposit back to BOC. This will result in the
money entering the BOC accounting system and the portfolio will be
out of my hands and out of the Private Banking Services Department.
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 occupy certain offices and oversee
certain portfolios. You should have begun by now to put together the
general direction of what I propose. There is US$ 8,375,000.00
deposited, 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 BOC is concerned, the
transaction with our deceased customer concluded when I sent the
funds to the firm, all outstanding interactions in relation to the
file are just customer services and due process.
They are simply awaiting instructions to release the deposit to any
party that comes forward. 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 investigation
has come to an end.
My proposal; I am prepared to place you in a position to give
instruction for the release of 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. I would have gone ahead to ask the funds
be released to me, but that would have drawn a straight line to me
and my involvement in claiming the deposit. 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
the customer I will then officially communicate with the firm 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 firm 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 from the
firm. 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
tidy sums 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. These chances won't 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. Let's 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 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
email address. 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 a 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. If we can be of one accord, send me your
response on this email to enable us commences this line of
discussion.
Best regards,
Wang Yan.
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