419 scam: "Guaranty Bond Bank-USA."<pmarsh@toclo.com> Kindly Reply Immediately.

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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:
- "dear sir/madam" (a standard Nigerian greeting phrase)
- ",500,000" (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)
- "00,000.00" (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.

Fraud email example:

From: "Guaranty Bond Bank-USA." (may be fake)
Reply-To: <guarantybondbanks@gmail.com>
Date: Tue, 27 Jan 2015 08:30:25 +0300
Subject: Kindly Reply Immediately.

Head of International Operations,
Guaranty Bond Bank N.A
Address: 919 Gilmer Street, Sulphur
Springs, TX 75482, United States

Date: 26th, January 2015

Dear Sir/Madam,

We hereby inform you that your fund was returned back to us (Guaranty Bond Bank N.A) because you could not complete your transaction when your fund (US$10,500,000.00) was with an inefficient commercial bank. Your due fund is currently with us now because we are the APPROVED bank of settlement for the US Government/World Bank Debt Relief Program.

A woman (Mrs. Cynthia C. West) from Canada visited this bank today informing us that she is your true next of kin. We are about to directly transfer your due fund into the bank account of your next of kin (Mrs. Cynthia C. West) but to avoid misdirection of fund we need to confirm from you first before we can officially effect the swift wire transfer. Please confirm to us if we should proceed to transfer your fund into the bank account of (Mrs. Cynthia C. West).

Banking with Guaranty Bond Bank certainly opens several doors for you. Thank you for banking with us.

Sealed,

Mr. Kirk Lee.
President/Chief Credit Officer.
Guaranty Bond Bank N.A.
(Privacy Policy, Terms, Satisfaction and Banking Accuracy).

Anti-fraud resources:

What can you do when you receive 419 spam