419 scam: "Keystone Bank Limited ( Formerly Bank PHB)." <keystonebankng@keystonebankng.com> UPDATE,AUDIT REPORT THIS FUND IS OVERDUE

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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 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)
- "lagos" (a location commonly mentioned in 419 scams)
- "certified bank draft" (Beware of any scheme that involves cashing checks or money orders and then wiring a portion of the funds somewhere - you'll be liable for the entire amount if the checks or money orders turn out to be fake, even after you have received and forwarded cash. If it's a lottery prize, remember that real lotteries do not pay large prizes by check. They wire the money directly to your bank account and you do not pay for that. Many scammers promise a large check only in order to then demand payment of courier fees for a fake courier service. )
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.
- mrphilipkeazorkeystonbankplc1@gmail.com (email address has been used in a known fraud before)

Fraud email example:

From: "Keystone Bank Limited ( Formerly Bank PHB)." <keystonebankng@keystonebankng.com> (may be fake)
Reply-To: mrphilipkeazorkeystonbankplc1@gmail.com
Date: Wed, 9 Sep 2015 05:46:41 -0500
Subject: UPDATE,AUDIT REPORT THIS FUND IS OVERDUE

Address: Head Office: Bank PHB House, 1, Bank PHB Crescent, Victoria
Island, Lagos.
Phone: +237059247001.

Dear Customer

We apologize for the delay of your payment and please stop communicating
with any office now and attention to the appointed office below for you to
receive your payment accordingly.

Now your new Payment, AFRICA nation Approval No; UN5685P,
White House Approved No: WH44CV, Reference No.-35460021, Allocation No:
674632
Password No: 339331, Pin Code No: 55674 and your Certificate of Merit
Payment No: 103, Released Code No: 0 763; Immediate (KEYSTONE BANK) Telex
confirmation No: -1114433; Secret Code No: XXTN013. Your fund Is
$10.5USD. Million Dollars. Having received these vital payment numbers,
therefore you are qualified now to received and confirm your payment with
the KEYSTONE BANK Africa Region immediately within the next 72hrs. We
assure you that your payment will get to you as long as you follow my
directives and instructions. We have decided to give you a CODE, THE CODE
IS: 601. Please, any time you receive a mail with the name HON.MR PHILIP
IKEAZOR check if there is CODE (333) if the code is not writing, please
delete the massage from your box! or you forward it to this office for
proper investigation as we are working in conjunction with the ICPC
CHAIRMAN

Mr Ekpo Nta.

WHICH OF THESE THREE METHODS WILL YOU WANT TO RECEIVE YOUR FUND?

(A)ONLINE BANKING SYSTEM
(B)TELEGRAPHIC WIRE TRANSFER:
(C)ATM CREDIT CARD:

OPTION 1: TO RECEIVE A N INTERNATIONAL CERTIFIED BANK DRAFT
Reconfirm your
(1) Full name and delivery address:...................
(2) Address, city, state and country:....................
(3) Direct mobile/ phone /fax.:.........................
(4) International passport or Driven license....................
(5) Company name (if any) position and address............................
(6) Profession, age and marital status...................................

OPTION 2: TELEGRAPHIC WIRE TRANSFER
Your Full Name.....................
You’re Address............................
You’re Private Cell Phone Number...........
You’re Account Name......................
You’re Bank Name.........................
You’re Address.............................
You’re Account Numbers...............
You’re Routing Numbers.................
Your Swift Code:...... .........
Your Age/ Marital Status.............
Your Occupation/ Position...............
Copy of your International Passport or Valuable Drivers
License.....

OPTION 3: ATM CREDIT CARD
(1) Full name and delivery address...........................
(2) Address, city, state and country;.............................
(3) direct mobile/ phone /fax...............................
(4) International passport or Driven license............................
(5) Company name (if any) position and address..........................
(6) Profession, age and marital status......................................

Choose your best option and have in mind that you must comply with a due
process and international financial transaction policy.

Please be patient, and at full corporation when communicating with us.
In your communication to us, attach your identity card for easy
verification. If you deal with anybody else apart from this office, you
are totally at risk.

Sincerely yours,

Mr.PHILIP IKEAZOR.

DIRECTOR KEYSTONE BANK, MD/CEO. Email me on
mrphilipkeazorkeystonbankplc1@gmail.com

website:http://www.keystonebankng.com/

Anti-fraud resources:

What can you do when you receive 419 spam