419 scam: "Mrs. Melinda Cruz" <danielamah2012@gmail.com> From Mrs. Melinda Cruz Business Proposal

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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:
- "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)
- ",000,000" (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)
- "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)
- "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)
- "is 100% risk free" (almost true for the criminal trying to scam you - arrests of online criminals are rare)
- "there are practically no risks involved" (almost true for the criminal trying to scam you - arrests of online criminals are rare)
- "abidjan" (a location commonly mentioned in 419 scams)
This email message is a next of kin scam.

Fraud email example:

From: "Mrs. Melinda Cruz" <danielamah2012@gmail.com>
Reply-To: melindacruz2022@gmail.com
Date: Tue, 6 Sep 2022 12:09:45 +0200
Subject: From Mrs. Melinda Cruz Business Proposal

From Mrs. Melinda Cruz Business Proposal
Abidjan- Ivory Coast

May I Humbly solicit your confidence in this Transaction, as Being utterly
confidential and top secret. But I am Assuring you That you SHALL BE very
happy at the end of the Day. I Decided to contact you due to the urgency of
this transaction, as I wish to repose my trust and confidence on your
discreteness and ability in transaction of this nature.

Let me start by introducing my self properly to you, my name is Mrs.
Melinda Cruz, I am the Regional Bank Manager of BOA Bank Abidjan-Ivory
Coast, I Came to know about you in my Private Search for a reliable and
reputable Foreigner to handle this Confidential Transaction As the Regional
Bank Manager of BOA BANK; it IS my duty to send a financial report to my
head office at the end of each year.

On the course of the 2015 year report, We discovered an excess profit of
Fifteen Million Us Dollars, [$ 17,000,000.00] which we have kept in
SUSPENSE ACCOUNT without any beneficiary . As an officer of the Bank I CAN
not BE Directly Connected to this Fund for Security Reasons, That IS why I
am Contacting you for US to Work Together to Get the SAID Fund into your
Bank account for INVESTMENT in your Country. The percentage Ratio IS THUS:
40% for you, 60% for me and my colleagues.

Note: There Are Practically no Risks Involved in this Transactionas it IS
100% Risk free and Will BE legally Bonded, it Will BE Bank to Bank
transfer, all I need from you is to stand as the next of kin / Beneficiary
to the original depositor of this fund who made ??the deposit with Kumasi
branch so that my Head office can order the transfer to your designated
bank account. If you accept this offer to work with me , if you find this
Proposal suitable for you, kindly reply for full details.

I Will appreciate it very much, If this Proposal IS acceptable by you, do
not make Undue Advantage of the Trust I Have Bestowed on you, and I Assure
you That we SHALL Achieve it successfully.

Best regards,
Mrs. Melinda Cruz

Anti-fraud resources:

What can you do when you receive 419 spam