419 scam: "Mr. Richard Pallmall." <giuliano.negrini@alice.it> FROM FINANCIAL BANK OF WEST AFRICAN STATES (F B)

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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:
- "from the desk of" (a common phrase found in 419 scams)
- "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. )
- "inheritance funds" (a common phrase found in 419 scams)
- "transferred into your bank account" (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)
- "into your nominated bank account" (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)
- "to your nominated bank account" (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)
- "transfer of your funds" (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)
- "cotonou" (a location commonly mentioned in 419 scams)
- "remain blessed" (scammers in West Africa like to use religious phrases)
This email message is a next of kin scam.
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: "Mr. Richard Pallmall." <giuliano.negrini@alice.it>
Reply-To: unitedbankafrica@foxmail.com
Date: Thu, 26 Nov 2015 18:50:16 +0100 (CET)
Subject: FROM FINANCIAL BANK OF WEST AFRICAN STATES (F B)

FINANCIAL BANK OF WEST AFRICAN STATES (F B)
Avenue Cotonou, BP 988 Cotonou Benin Republic.
Telex :5211 F B COTONOU BENIN REPUBLIC.
Tel:(+229)61772991 From the desk of, Mr. Richard Pallmall
Director Payment Department. Financial Bank of West African(F B).

Attn Dear Valued Customer:

This bank write to confirm the receipt of the massage today regarding the wire
transfer of $10.500.000 US Dollars which we have here to be transferred into
your bank account .Your inheritance funds is under our custody for owner wire
transfer to your nominated bank account.

I will like to know if you can afford to come down here to receive your
payment
without paying for anything, It will cost you nothing to receive your payment
if only you can afford to come down here to receive your payment in person, The
only required information is your Divers license or your international passport
if you can appear in person and you will receive your $10.500.000 us dollars
immediately without paying for any fee, With that you donâ€™t have to pay for
anything , I think that is the best way to pay you because you will pay a
transfer fee if you will not like to appear in person for your payment.

We advised you to send the transfer charges fee of your inheritance funds to
enable us transferred the funds directly to your bank account. The transfer
charges fee will be send on the name of our protocol officer "JOHN MIKE
Â» thru western union or money gram money transfer to enable us pick up the fee
today and also transferred the funds to your bank account immediately.

We promised to issue you the carbon copy of the Fund Release Order along with
the Transfer Confirmation Slip to educate you on the departure and the arrival
of your fund into your nominated bank account, Your inheritance funds will be
transferred immediately to your destination bank account within 48hrs as soon
as you send the transfer charges fee today.

Be informed that the transfer charges fee of your funds will be send through
western union money transfer on
the name of our protocol officer (CHRIS DIBOR before we can transfer and remit
it in your destination bank account. The transfer charges fee is $98.00 and
you are to send it immediately through western union with immediate effect
unless you are not ready to receive the funds via wire transfer to your bank
account.

You are advised to send the transfer charges fee thru western union OR money
gram money transfer with the below information:

Receiver Name------------FABIAN NDIFE
Country: ------------- Benin Republic.
Address: --------------Cotonou
Text Question: ----------------- Color?
Answer: ----------------- Blue
Amount--------------------$ 98.00
MTCN-------------------------- -----?
Senders Name-------------------------- ?

We are waiting to receive the transfer fee immediately to enable the wire
transfer of your funds to be completed to your nominated bank account, Try to
send the $98.00 with the information given to you above to enable us complete
the transaction immediately.

Thanks and remain blessed as we are waiting for your reply with the payment
slip.

Yours Sincerely ,
Mr. Richard Pallmall.
Payment Departmental Officer
Financial Bank of West African(F B)
Cotonou Republic Du Benin.
Phone:(+229)61772991

Anti-fraud resources:

What can you do when you receive 419 spam