419 scam: HSBC BANK <dacidmorgan@gmail.com> GREETINGS

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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:
- "united state of america" (this email uses bad English)
- "power of attorney" (with your bank details and a power of attorney form criminals sometimes empty bank accounts)
- "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.
Barristers (lawyers) mentioned in 419 scams are always fake.

Fraud email example:

From: HSBC BANK <dacidmorgan@gmail.com>
Reply-To: mslisathomason@mail.ru
Date: Fri, 4 Mar 2022 08:15:53 -0800
Subject: GREETINGS

*HSBC BANK USA,Head Office AddressBuffalo, NY 14240us.hsbc.com
<http://us.hsbc.com> GREETINGS The US government on foreign/local payment
in its last meeting with the deputy governor of HSBC Bank gave a final
approval for the immediate payment of all the foreign contractors who for
long executed their contract in United State of America without receiving
their contract payment.In view of this present development, we wish to
inform you that your contract fund has been stated for immediate
remittances but action is on your contract payment following a change of
account application filled in by one MS KAMINI CHOPRA with the new
account details as follows:BANK NAME : HSBC BANK USA ,BANK ADDRESS HSBC
Branch 15315 Culver Dr Suite 187, Irvine, CA, 92604ACCOUNT HOLDER : MS
KAMINI CHOPRAACCOUNT NUMBER : 720-053102SWIFT CODE : MRMUS33 ROUTING
NUMBER : 021001088This account information which was submitted by MS
KAMINI CHOPRA did not come with VALID POWER OF ATTORNEY, it is this issue
that compelled me to contact you so as to receive confirmation from you on
the change of account. If this change of account was authorized by you, it
has to be written in company letter headed paper stamped and signed by you;
Reconfirming to me the following. 1. That the application for the change of
beneficiary was done with your consent.2. That the said fund should be
transferred into the above account. This has to be done immediately because
we will not entertain any enquiry from your so called agent who came to
this office demanding your contract payment by cashier cheque, telegraphic
transfer or certified bank draft: If in the alternative you did not permit
any body to effect such a change of account, authenticate your disapproval
to this office in your letter headed paper with all the contract and
account details clearly stated. This is to enable us avoid errors in
transferring of this fund. HSBC Bank will not be held responsible for any
wrong information given to us. You are expected to contact this office on
the above telephone or e-mail MrVincentMegan1@outlook.com
<MrVincentMegan1@outlook.com> and reply this message as soon as you receive
it.Yours faithfully,Mr Vincent Megan*

Anti-fraud resources:

What can you do when you receive 419 spam