419 scam: ATM PAYMENT DEPARTMENT FINANCIAL BANK <interl.departm2@msn.com> YOUR ATM CARD WILL BE AT YOUR DOOR STEP WITHIN 3HOURS.

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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:

The following phrases in this message should put you on alert:
- "western union" (this will cost you money - be careful with upfront payments to anyone you only know through email, especially if they promise you a lot of money. NEVER send money by Western Union or MoneyGram to people you do not know personally - NO EXCEPTIONS! Instant wire transfer services are not meant to be used with strangers because they offer no protection against fraud. That is precisely why the criminals want you send money that way. )
- "money gram" (this will cost you money - be careful with upfront payments to anyone you only know through email, especially if they promise you a lot of money. NEVER send money by Western Union or MoneyGram to people you do not know personally - NO EXCEPTIONS! Instant wire transfer services are not meant to be used with strangers because they offer no protection against fraud. That is precisely why the criminals want you send money that way. )
- "mtcn" (this will cost you money - be careful with upfront payments to anyone you only know through email, especially if they promise you a lot of money. NEVER send money by Western Union or MoneyGram to people you do not know personally - NO EXCEPTIONS! Instant wire transfer services are not meant to be used with strangers because they offer no protection against fraud. That is precisely why the criminals want you send money that way. )
- "clearance document" (this will cost you money - be careful with upfront payments to anyone you only know through email, especially if they promise you a lot of money. NEVER send money by Western Union or MoneyGram to people you do not know personally - NO EXCEPTIONS! Instant wire transfer services are not meant to be used with strangers because they offer no protection against fraud. That is precisely why the criminals want you send money that way. )
- "you are advice to " (this email uses bad English)
This email message is a 419 scam. Please see our 419 FAQ for more details on such scams.
Western Union money transfer is completely untraceable and therefore is *not* safe to use with anyone you do not know personally. It is the preferred method of online criminals to collect money from their victims.

Fraud email example:

From: ATM PAYMENT DEPARTMENT FINANCIAL BANK <interl.departm2@msn.com>
Date: Sat, 26 Nov 2011 11:54:51 +0100
Subject: YOUR ATM CARD WILL BE AT YOUR DOOR STEP WITHIN 3HOURS.

ATTEN PLEASE.

WHAT YOU ARE TALKING IS RIGHT, TODAY WE WILL HELD A MEETING WITH BOARD OF
DIRECTORS OF FINANCIAL BANK CONCERNING TO THIS EFFECT BY 8AM, THE PERSON
INCHARGE OF YOUR ATM CARD, WE PREFER WESTERN UNION TO SEND THE MONEY, FOR
IMMEDAITE PICKUP. AND THIS FEE IS $42 AND IT WILL TAKE CARE OF THE EVERY
THINGS./ DELIVERY AND DC CLEARANCE DOCUMENT . PLEASE NOTE THAT 2 LADIES
CAME TO OUR OFFICE THIS AFTERNOON WHEN WE WERE HELDING A METTING WITH THE
BOARD OF DIRECTORS AND CLAIM THAT YOU ARE DEAD THAT WE SHOULD GIVE THEM ALL
THE DOCUMENTS AND YOUR ATM CARD AND WE REFUSE THAT THEY ARE IN THE POLICE
CUSTUDY NOW. SO YOU HAVE TO COMPLY NOW SO THAT WE CAN FINISHUP THIS BY
TODAY WITHOUT ANY FURTHER DELAY AGAIN. YOU ARE ADVICE TO SEND THE FEE VIA
WESTERN UNION OR MONEY GRAM ONLY WITH THE BELOW DETAILS.

SENDERS NAME_____
RECEIVERS NAME____JONA U. SIMPLE
TEXT QUESTION____WHAT FOR?
ANSWER____DC.
DESTINATION COUNTRY____BENIN REPUBLIC
AMOUNT___$42
MTCN________

I PROMISE YOU THAT AS SOON AS WE RECEIVE THIS MONEY TODAY, YOUR ATM CARD
WILL BE AT YOUR DESTINATION ADDRESS WITHIN 3HOURS COUNTING FROM THE TIME WE
RECEIVE THE MONEY. PLEASE KINDLY RECONFIRM US YOUR FULL DETAILS AND DIRECT
TELEPHONE NUMBER SO THAT WE CAN STICK IT TO OUR RECORD TODAY, YOU HAVE TO
SEND THE MONEY ON TIME TODAY SO THAT WE CAN SEND YOUR ATM CARD DIRECTLY TO
YOU DESTINATION ADDRESS ON TIME TODAY AFTER THE MEETTING. SEND US THE
MTCN/PAYMENT DETAILS WITHOUT ANY FURTHER DELAY AGAIN AS SOON AS YOU SEND US
THE MONEY TODAY.

THE BOARD OF DIRECTORS OF FINANCIAL BANK CONCERNING YOUR ATM CARD TODAY
HELD A MEETTING, YOUR ATM CARD WILL BE AT YOUR DOOR STEP WITHIN 8HOURS BY
THE PERSON INCHARGE OF YOUR ATM CARD BY TODAY, YOUR ATM CARD WILL BE AT
YOUR DESTINATION ADDRESS WITHOUT ANY FURTHER DELAY AGAIN. YOU HAVE TO
UNDERSTAND THAT AS SOON AS YOU SEND THIS MONEY TODAY? WITHIN 3HOURS, YOUR
ATM CARD WILL BE AT YOUR DOOR STEP. PLEASE CALL ME AS SOON AS THE MONEY IS
SENT OR YOU WRITE ME AN EMAIL WITH THE PAYMENT DETAILS BY TODAY WITHOUT ANY
FURTHER DELAY AGAIN.

I HAVE CONTACTED OUR OFFICE FOR YOUR PIN NUMBER AND I HAVE THE DOCUMENT AND
THE ASSURRANCE THAT IF YOU SEND THIS MONEY TODAY, YOU ARE NOT GOING TO SEND
ANY MORE MONEY AGAIN.

WAITING TO HEAR FROM YOU SOON.

BEST REGARDS
MR. WILLIAMS PETER.

Anti-fraud resources:

What can you do when you receive 419 spam