fighting spam and scams on the Internet
"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.
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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:
- "top of the day to you" (a standard Nigerian greeting phrase)
- "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)
- "loan amount" (Beware of fake loan offers. Real lenders would not normally use free webmail addresses such as Yahoo, nor would they lend to individuals or small businesses in a different country from where they are based. Beware of mobile phones or redirector numbers!)
- This email message is a 419 scam. Please see our 419 FAQ for more details on such scams.
Fraud email example:
From: Oak Tree Capital<firstname.lastname@example.org>
Date: Wed, 22 Jul 2020 23:01:10 +0200
Subject: Loan At 3% Interest Rate..?
Top of the day to you, We bring you Good news, Sorry if you find this ma=
il in your Spam or Junk it is due to your internet provider. Have you been =
searching for a Personal or Commercial or business funding and been turned =
down severally due to high interest rates or Unnecessary excuses ? If "YES"=
do contact us today as We offer all kinds of loans within the range of a m=
inimum amount of $3,000.00 to a Maximum of $500,000.00 at 3% interest rate.=
Get out of debt today....Get that financial help to reinstate your busines=
s,debt consolidation,Farm ,Home loan, real quick, Genuine and legitimate. W=
ith 100% Funding Guaranteed. If you are serious & interested in obtaining a=
loan from us,Please fill-in the details needed below.
1) Your Names:
3) Phone Number:
4) Loan Amount needed:
5) Loan Duration:
6) Monthly / Weekly Income:
9) Home Address:
10)Best Time To Reach You On Phone:
Best of luck as we hope to proceed further.
OAK TREE CAPITAL MANAGEMENT.
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