419 scam: "Mrs. Joanne Knowles" <knowles@frbank.com> Imperative

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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:

An email address listed inside this email has been used in a known fraud before.
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:
- "fiduciary agent" (real lotteries do not use a "claim agent" / "fiduciary agent")
- "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)
- "offshore account" (Banks mentioned in 419 scams are always fake (real banks don't communicate using mobile phones or free webmail addresses))
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.
- dennismelcher9@gmail.com (email address has been used in a known fraud before)

Fraud email example:

From: "Mrs. Joanne Knowles" <knowles@frbank.com>
Reply-To: dennismelcher9@gmail.com
Date: Wed, 11 Jun 2014 09:29:33 +0500
Subject: Imperative

Our Ref: Payment Notification
Your Ref: Comply with Notice

Good Day to you,

After so much complains and petition from beneficiaries of funds, the
United Nations oversight office has taken it upon itself to ensure
that beneficiaries are paid their funds without vigorous procedures, I
am happy to officially inform you that we have compelled the
government of Nigeria to open an offshore account with the Federal
Reserve Bank USA which has been credited with over $300M {Three
Hundred Million United States Dollars} for settlement of foreign dept.

An allocation of $5M {Five Million United States Dollars} in this
foreign reserve account with the Federal Reserve Bank New York is in
your favor, where these funds would be released directly to you the
beneficiary. You are immediately advised to contact our fiduciary
agent in the United States of America who is to work hand in hand with
you to ensure that this fund reaches you as soon as possible.

Below is the contact detail of our fiduciary agent,

Dennis Melcher
Fund Fiduciary agent/ Intermediary representative
Email: dennismelcher9@gmail.com

Be informed that this directive is from the office of the presidency
Federal Republic of Nigeria and also in agreement with the United
States Government, United Nations fund oversight office and the
Federal Reserve Bank New York.

Yours Sincerely,
Mrs. Joanne Knowles
International monetary Fund.

Anti-fraud resources:

What can you do when you receive 419 spam