419 scam: "Mr.George Culmer" <georgecfo@yahoo.com> Good day !!!

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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:
- "million us 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)
- "top secret" (scammers urge victims to keep the transaction secret because they don't want anyone to point out to them that it is a scam)
- "dormant 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.
- mrculmer@yahoo.com (email address has been used in a known fraud before)

Fraud email example:

From: "Mr.George Culmer" <georgecfo@yahoo.com>
Reply-To: mr.gculmer@yahoo.com
Date: Wed, 18 Feb 2015 15:44:09 -0600
Subject: Good day !!!

Lloyds Banking Group Archives
4th floor, 33 Old Broad Street
London, EC2N 1HZ

Good day,

I wish to inform you that this letter is not a hoax mail and I urge
you to treat
it serious. I am Mr George Culmer, the Finance Director of Lloyds
Banking Group
London.

I will be happy to execute this deal with you if you have a corporate or
personal Bank Account and if you are capable of handling issues as a
TOP SECRET.
I therefore need a strong Assurance that you will never let me down, when I
transfer this money to your account.Thus during one of our periodic auditing I
discovered a dormant account with holding balance of US$ 32,000.000.00
{ Thirty
Two million US Dollars only}, The owner of this dormant account died and since
his death, nobody has operated in his account because the account has NO
BENEFICIARY attached to it.

According to our BANKING CODE OF ETHICS, this dormant fund will be confiscated
by law if it remains dormant for a period of [10] Ten years without any
claim.Banks are not always able to find out what has become of these silent
customers, or to know whether they should follow up on requests from
people who
claim to be heirs to the accounts. The main problem is that the
customer resides
abroad and, due to bank secrecy and code of conduct, the bank cannot publish
notices in the international press to locate the depositaries.

It has happened in the past, however, such customers pass away and their heirs
can neither prove the death, nor their heir ship. This was a frequent
occurrence
during the wartime periods, also now that have many reports of environmental
hazards with many unknown casualties and the banks have now set up a simple,
rapid resolution procedure operating to their customers' advantage.

I therefore solicit for your sincere cooperation in transferring this dormant
fund to your foreign account as the foreign beneficiary of the fund to avoid
confiscating it by our bank, this transaction will be done in a legitimate
procedure within 6 banking days to avoid any breach of the law.

I am constrained to issue more details about this business transaction until
your response is received. If you know that you will be capable to
handle large
or small amount on trust and can to keep all matters secret and ready to take
45% of any amount I transfer to your account from the dormant account
and I will
take 55%, send your account information's by return mail. Tell me more about
yourself, while I look forward to receive the above information.

I want to re-assure you that this business is risk free and you can send an
empty account to receive the funds, provided that the account is capable to
receive incoming funds.

PRIVATE EMAIL: mrculmer@yahoo.com

Anticipating for your positive response for more details.

Yours truly,

Mr. George Culmer

www.lloydsbankinggroup.com

Anti-fraud resources:

What can you do when you receive 419 spam