419 scam: PHBP <bankphbp@gmail.com> 2023 Union Bank Switzerland(Ur Fund $5.5M Compensation Ready For Collations!!!

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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:
- "inheritance funds" (a common phrase found in 419 scams)
- "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)
This email message is a 419 scam. Please see our 419 FAQ for more details on such scams.

Fraud email example:

From: PHBP <bankphbp@gmail.com>
Reply-To: unionbankswizzerland@gmail.com
Date: Tue, 21 Mar 2023 09:13:59 +0100
Subject: 2023 Union Bank Switzerland(Ur Fund $5.5M Compensation Ready For Collations!!!

Dearest Sir/Madam,

Happy new year, We are hereby to confirm whether it is true that you
are terminal sick because of COVID19 and you empower two gentlemen to
come to our office to stand and claim your contract/inheritance funds
due to your health condition, as they stand as Next-Of-Kin to you.

Furthermore they provide a bank account where this fund will be
transferred. As a matter of urgency, we told them to call back in
three days time (3) and we decided to contact you first to confirm the
authenticity of their submission of the letter through you. However,
the directive we received is that we pay your compensation of US$5.5
Million Dollars through ATM/VISA CARD or option through your Online
bank or wire bank account.

Note if you do not authorize them, kindly contact us immediately
within 7 working days before this transfer will be made to the account
they provide on your behalf. Again help us re-confirm the following
data below.

(1) Your Full Name.

(2) Your Home or Office Address.

(3) Your Cell telephone Number.s

(4) Your Identification.

(5) Your Occupation/Age.

(6) Your Bank account details.

The moment this information comes across to us, we have to act
accordingly without delay.

Best regards.
Mr Kirt Gardner
Union Bank Of Switzerland

Anti-fraud resources:

What can you do when you receive 419 spam