419 scam: ZENITH BANK <zenithbank@zenithbank.com> Zenith Bank ATM

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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:
- "swift card payment center" (this phrase is often used in the ATM card payment scam)
- "card center will send you an atm card" (this phrase is often used in the ATM card payment scam)
- "million united states 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)
This email message is a 419 scam. Please see our 419 FAQ for more details on such scams.
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.
- okoyepaul11@yahoo.co.uk (Yahoo, United Kingdom; can be used from anywhere worldwide)

Fraud email example:

From: ZENITH BANK <zenithbank@zenithbank.com>
Reply-To: <okoyepaul11@yahoo.co.uk>
Date: Fri, 01 Oct 2010 04:32:10 -0700
Subject: Zenith Bank ATM

--
Zenith Bank ATM
RE:YOUR PAYMENT NOTIFICATION
>From Mrokoye paulRemittance
Manager Zenith Bank Of Nigeria.
Attention : Beneficiary

This is to officially inform you that we have verified your contract
file presently on my desk, and I found out that you have not received
your payment due to your lack of co-operation and not fulfilling the
obligations giving to you in respect to your contract payment.Secondly,
you are hereby adviced to stop dealing with some non-officials in the
bank as this is an illegal act and will have to stop if you so wish to
receiveyourpaymentimmediately.After the board meeting held at our
headquarters, we have resolved in finding a solution to your problem,
and as you may know, we have arranged your payment through
our SWIFT CARD PAYMENT CENTER in Europe, America,Africa and Asia
Pacific, which is the instruction given by our presidentIMMIDIETLY HE
RESUME AND TOOK OVER OFFICE FROM THE LATE YARADUA, MR GOOD LUCK
JONATHAN (GCFR) Federal Republic of Nigeria.
This card center will send you an ATM CARD which you will use to
withdraw your money in an ATM MACHINE in any part of the world, but the
maximum is ($15,000.00) Thousand Us Dollars per transaction.And the
Amount that is going to be in the card is $7 million united states
dollars , So, if you like to receive your fund this way,reply to this
office immediately for the issuing of your (ATM)CARD.

(1)Your Full Name
(2)Address where you want the payment center to send your ATM CARD.
(3)Phone And Fax Number
(4)Bank:
(5)Age:

We shall be expecting to receive your information you have to stop
any further communication with anybody or office apart from this office
of the presidency. On this regards, do not hesitate to contact me for
more details and direction, and also please do update me with any new
development.Thanks for your co-operation.Best Regards,Mr Paul Clifford
Remittance Manager Zenith Bank Of Nigeria. email me back to
okoyepaul11@yahoo.co.uk
Note: Because of impostors, we hereby issue you with our code of
conduct, which is (444) so you have to indicate t is code when
contacting or emailing this CARD CENTER .
Mr okoye paul

Anti-fraud resources:

What can you do when you receive 419 spam