419 scam: "MERCHANTS & CITIZENS BANK" <gcooper@bdesn.com> TRANSFER NOTICE. MT103/141

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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.
This email message is a 419 scam. Please see our 419 FAQ for more details on such scams.

Fraud email example:

From: "MERCHANTS & CITIZENS BANK" <gcooper@bdesn.com>
Reply-To: feebback0012@kakao.com
Date: Thu, 04 May 2023 06:54:33 -0700
Subject: TRANSFER NOTICE. MT103/141

LEGAL DEPARTMENT OF MERCHANTS & CITIZENS BANK
1300 Clay St, Oakland, CA 94612, United States

TELEGRAPHIC TRANSFER NOTICE.

We hereby officially notify you concerning your fund telegraphic Transfer through the merchants and citizens Bank to your bank account which has been officially approved by the management of World Bank Swiss WBS to credit the sum of US Eighteen Million Five Hundred Thousand dollars into your bank account.

This fund was part of United Nations compensation commission payment reconciliation program of 2020 year, which the UN/Swiss Bank has decided to distribute it generously to help few lucky individuals, the America Government in agreement with the Swiss Bank to distribute the fund to 700 people in America, Europe & Asia in other to help improve their businesses & COVID-19 Response Fund, The world is coming together to combat the COVID-19 pandemic bringing governments, organizations from across industries and sectors and individuals together.

1.Your Full Bank Account Details
2.Your Direct Cell or office phone to reach you
3.Your address of locations
4.Your full name

Finally, you are required to reconfirm directly to us the above information to enable the bank use it to process your bill of payment.

Your quick response shall be mostly appreciated for immediate attention of the credit control department.

Yours Faithfully,
Mr. Adams Rice Ferrell. Director, Credit /Telex Department.
MERCHANTS & CITIZENS BANK

Anti-fraud resources:

What can you do when you receive 419 spam