Advance-fee scam

An advance-fee scam is a type of fraud and one of the most common types of confidence trick. The scam typically involves promising the victim a significant share of a large sum of money, in return for a small up-front payment, which the fraudster requires in order to obtain the large sum. If a victim makes the payment, the fraudster either invents a series of further fees for the victim, or simply disappears.

There are many variations on this type of scam, including 419 scam, Fifo's fraud, Spanish Prisoner scam, the black money scam and the Detroit-Buffalo scam.[1] The scam has been used with fax and traditional mail, and is now prevalent in online communications like emails.

Online versions of the scam originate primarily in the United States, the United Kingdom and Nigeria, with Ivory Coast, Togo, South Africa, the Netherlands, and Spain also having high incidences of such fraud. The scam messages often claim to originate in Nigeria, but usually this is not true. The number "419" refers to the section of the Nigerian Criminal Code dealing with fraud, the charges and penalties for offenders.[2]

History

The modern scam is similar to the Spanish Prisoner scam dating back to the late 18th century.[3][4] In that con, businessmen were contacted by an individual allegedly trying to smuggle someone connected to a wealthy family out of a prison in Spain. In exchange for assistance, the scammer promised to share money with the victim in exchange for a small amount of money to bribe prison guards.[5] One variant of the scam may date back to the 18th or 19th centuries, as a very similar letter, entitled "The Letter from Jerusalem", is seen in the memoirs of Eugène François Vidocq, a former French criminal and private investigator.[6] Another variant of the scam, dating back to circa 1830, appears very similar to what is passed via email today: "Sir, you will doubtlessly be astonished to be receiving a letter from a person unknown to you, who is about to ask a favour from you...", and goes on to talk of a casket containing 16,000 francs in gold and the diamonds of a late marchioness.[7]

The modern scam became popular during the 1980s. There are many variants of the letters sent. One of these, sent via postal mail, was addressed to a woman's husband, and inquired about his health. It then asked what to do with profits from a $24.6 million investment, and ended with a telephone number.[8] Other official-looking letters were sent from a writer who said he was a director of the state-owned Nigerian National Petroleum Corporation. He said he wanted to transfer $20 million to the recipient’s bank account – money that was budgeted but never spent. In exchange for transferring the funds out of Nigeria, the recipient would keep 30% of the total. To get the process started, the scammer asked for a few sheets of the company’s letterhead, bank account numbers, and other personal information.[9][10] Yet other variants have involved mention of a Nigerian prince or other member of a royal family seeking to transfer large sums of money out of the country—thus, these scams are sometimes called "Nigerian Prince emails".[11][12]

The spread of e-mail and email harvesting software significantly lowered the cost of sending scam letters by using the Internet.[13][14] While Nigeria is most often the nation referred to in these scams, they may originate in other nations as well. For example, in 2006, 61% of Internet criminals were traced to locations in the United States, while 16% were traced to the United Kingdom and 6% to locations in Nigeria.[15] Other nations known to have a high incidence of advance-fee fraud include Ivory Coast,[16] Togo,[17] South Africa,[18] the Netherlands,[19] and Spain.[20]

One reason Nigeria may have been singled out is the apparently comical, almost ludicrous nature of the promise of West African riches from a Nigerian prince. According to Cormac Herley, a researcher for Microsoft, "By sending an email that repels all but the most gullible, the scammer gets the most promising marks to self-select."[21] Nevertheless, Nigeria has earned a reputation as being at the center of email scammers,[22] and the number 419 refers to the article of the Nigerian Criminal Code (part of Chapter 38: "Obtaining property by false pretenses; Cheating") dealing with fraud.[23] In Nigeria, scammers use computers in Internet cafés to send mass emails promising potential victims riches or romance, and to trawl for replies. They refer to their targets as Magas, slang developed from a Yoruba word meaning "fool". Some scammers have accomplices in the United States and abroad that move in to finish the deal once the initial contact has been made.[24]

In recent years, efforts have been made, by both governments and individuals, to combat scammers involved in advance-fee fraud and 419 scams. In 2004, the Nigerian government formed the Economic and Financial Crimes Commission (EFCC) to combat economic and financial crimes, such as advanced fee fraud.[25] In 2009, Nigeria's EFCC announced that they have adopted smart technology developed by Microsoft to track down fraudulent emails. They hoped to have the service, dubbed "Eagle Claw", running at full capacity to warn a quarter of a million potential victims.[22] Some individuals may also participate in a practice known as scam baiting, in which they pose as potential targets and engage the scammers in lengthy dialogue so as to waste their time and decrease the time they have available for real victims.[26] Details on the practice of scam baiting, and ideas, are chronicled on a website, 419eater.com, launched in 2003 by Michael Berry. One particularly notable case of scam baiting involved an American who identified himself to a Nigerian scammer as James T. Kirk. When the scammer — who apparently had never heard of the television series Star Trek — asked for his passport details, "Kirk" sent a copy of a fake passport with a photo of Star Trek's Captain Kirk, hoping the scammer would attempt to use it and get arrested.[27]

Implementation

Scam letter posted within South Africa

This scam usually begins with a letter or email[5] purportedly sent to a selected recipient but actually sent to many, making an offer that would allegedly result in a large payoff for the victim. More recently, scammers have also used fake but plausible-seeming accounts on social networks to make contact with potential victims.

The email's subject line often says something like "From the desk of barrister [Name]", "Your assistance is needed", and so on. The details vary, but the usual story is that a person, often a government or bank employee, knows of a large amount of unclaimed money or gold which he cannot access directly, usually because he has no right to it. Such people, who may be real but impersonated people or fictitious characters played by the con artist, could include, for example, the wife or son of a deposed African leader who has amassed a stolen fortune, a bank employee who knows of a terminally ill wealthy person with no relatives, or a wealthy foreigner who deposited money in the bank just before dying in a plane crash (leaving no will or known next of kin),[28] a US soldier who has stumbled upon a hidden cache of gold in Iraq, a business being audited by the government, a disgruntled worker or corrupt government official who has embezzled funds, a refugee,[29] and similar characters. The money could be in the form of gold bullion, gold dust, money in a bank account, blood diamonds, a series of checks or bank drafts, and so forth. The sums involved are usually in the millions of dollars, and the investor is promised a large share, typically ten to forty percent, in return for assisting the fraudster to retrieve or expatriate the money. Although the vast majority of recipients do not respond to these emails, a very small percentage do, enough to make the fraud worthwhile, as many millions of messages can be sent daily.

To help persuade the victim to agree to the deal, the scammer often sends one or more false documents bearing official government stamps, and seals.[30] 419 scammers often mention false addresses and use photographs taken from the Internet or from magazines to falsely represent themselves. Often a photograph used by a scammer is not a picture of any person involved in the scheme. Multiple "people" involved in schemes are fictitious, and in many cases, one person controls many fictitious personas used in scams.[16]

Once the victim's confidence has been earned, the scammer then introduces a delay or monetary hurdle that prevents the deal from occurring as planned, such as "To transmit the money, we need to bribe a bank official. Could you help us with a loan?" or "For you to be a party to the transaction, you must have holdings at a Nigerian bank of $100,000 or more" or similar. This is the money being stolen from the victim; the victim willingly transfers the money, usually through some irreversible channel such as a wire transfer, and the scammer receives and pockets it. More delays and additional costs are added, always keeping the promise of an imminent large transfer alive, convincing the victim that the money the victim is currently paying is covered several times over by the payoff. The implication that these payments will be used for "white-collar" crime such as bribery, and even that the money they are being promised is being stolen from a government or royal/wealthy family, often prevents the victim from telling others about the "transaction", as it would involve admitting that they intended to be complicit in an international crime. Sometimes psychological pressure is added by claiming that the Nigerian side, to pay certain fees, had to sell belongings and borrow money on a house, or by comparing the salary scale and living conditions in Africa to those in the West. Much of the time, however, the needed psychological pressure is self-applied; once the victims have provided money toward the payoff, they feel they have a vested interest in seeing the "deal" through. Some victims even believe they can cheat the other party, and walk away with all the money instead of just the percentage they were promised.[16]

The essential fact in all advance-fee fraud operations is the promised money transfer to the victim never happens, because the money does not exist. The perpetrators rely on the fact that, by the time the victim realizes this (often only after being confronted by a third party who has noticed the transactions or conversation and recognized the scam), the victim may have sent thousands of dollars of their own money, and sometimes thousands more that has been borrowed or stolen, to the scammer via an untraceable and/or irreversible means such as wire transfer.[16] The scammer disappears, and the victim is left on the hook for the money sent to the scammer.

During the course of many schemes, scammers ask victims to supply bank account information. Usually this is a "test" devised by the scammer to gauge the victim's gullibility;[19] the bank account information isn't used directly by the scammer, because a fraudulent withdrawal from the account is more easily detected, reversed, and traced. Scammers instead usually request that payments be made using a wire transfer service like Western Union and MoneyGram.[31] The reason given by the scammer usually relates to the speed at which the payment can be received and processed, allowing quick release of the supposed payoff. The real reason is that wire transfers and similar methods of payment are irreversible, untraceable and, because identification beyond knowledge of the details of the transaction is often not required, completely anonymous.[16] However, bank account information obtained by scammers is sometimes sold in bulk to other fraudsters, who wait a few months for the victim to repair the damage caused by the initial scam, before raiding any accounts which the victim didn't close.

Telephone numbers used by scammers tend to come from burner phones. In Ivory Coast a scammer may purchase an inexpensive mobile phone and a pre-paid SIM card without submitting any identifying information. If the scammers believe they are being traced, they discard their mobile phones and purchase new ones.[16]

The spam emails used in these scams are often sent from Internet cafés equipped with satellite internet connection. Recipient addresses and email content are copied and pasted into a webmail interface using a stand-alone storage medium, such as a memory card. Certain areas of Lagos, such as Festac, contain many cyber cafés that serve scammers; cyber cafés often seal their doors outside hours, such as from 10:30pm to 7:00am, so that scammers inside may work without fear of discovery.[32]

Nigeria also contains many businesses that provide false documents used in scams; after a scam involving a forged signature of Nigerian President Olusegun Obasanjo in summer 2005, Nigerian authorities raided a market in the Oluwole section of Lagos. The police seized thousands of Nigerian and non-Nigerian passports, 10,000 blank British Airways boarding passes, 10,000 United States Postal money orders, customs documents, false university certificates, 500 printing plates, and 500 computers.[32]

The "success rate" of the scammers is also hard to gauge, since they are operating illegally and do not keep track of specific numbers. One individual estimated he sent 500 emails per day and received about seven replies, citing that when he received a reply, he was 70 percent certain he would get the money.[24] If tens of thousands of emails are sent every day by thousands of individuals, it doesn't take a very high success rate to be worthwhile.[33]

Common elements

Fake cheques

Fraudulent cheques and money orders are key elements in many advance-fee scams, such as auction/classified listing overpayment, lottery scams, inheritance scams, etc., and can be used in almost any scam when a "payment" to the victim is required to gain, regain or further solidify the victim's trust and confidence in the validity of the scheme.[34]

The use of cheques in a scam hinges on a US law (and common practice in other countries) concerning cheques: when an account holder presents a cheque for deposit or to cash, the bank must (or in other countries, usually) make the funds available to the account holder within 1–5 business days, regardless of how long it actually takes for the cheque to clear and funds to be transferred from the issuing bank.[35] The cheques clearing process normally takes 7–10 days, and can take up to a month when dealing with foreign banks. The time between the funds appearing as available to the account holder and the cheque clearing is known as the "float", during which time the bank could technically be said to have floated a loan to the account holder to be covered with the funds from the bank clearing the cheque.

The cheque given to the victim is typically counterfeit but drawn on a real account with real funds in it. With a piece of software like QuickBooks or pre-printed blank cheque stock, using the correct banking information, the scammer can easily print a cheque that is absolutely genuine-looking, passes all counterfeit tests, and may even clear the paying account if the account information is accurate and the funds are available. However, whether it clears or not, it eventually becomes apparent either to the bank or the account holder that the cheque is a forgery. This can be as little as three days after the funds are available if the bank supposedly covering the cheque discovers the cheque information is invalid, or it could take months for a business or individual to notice the fraudulent draft on their account. It has been suggested that in some cases the cheque is genuine — however the fraudster has a friend (or bribes an official) at the paying bank to claim it is a fake weeks or even months later when the physical cheque arrives back at the paying bank.

Regardless of the amount of time involved, once the cashing bank is alerted the cheque is fraudulent, the transaction is reversed and the money removed from the victim's account. In many cases, this puts victims in debt to their banks as the victim has usually sent a large portion of the cheque by some non-reversible 'wire transfer' means (typically Western Union) to the scammer and, since more uncollected funds have been sent than funds otherwise present in the victim's account, an overdraft results.

Western Union and MoneyGram wire transfers

A central element of advance-fee fraud is the transaction from the victim to the scammer must be untraceable and irreversible. Otherwise, the victim, once they become aware of the scam, can successfully retrieve their money and alert officials who can track the accounts used by the scammer.

Wire transfers via Western Union and MoneyGram are ideal for this purpose. International wire transfers cannot be cancelled or reversed, and the person receiving the money cannot be tracked. Other similar non-cancellable forms of payment include postal money orders and cashier's checks, but as wire transfer via Western Union or MoneyGram is the fastest method, it is the most common.

Anonymous communication

Since the scammer's operations must be untraceable to avoid identification, and because the scammer is often impersonating someone else, any communication between the scammer and his victim must be done through channels that hide the scammer's true identity. The following options in particular are widely used.

Web-based email

Because many free email services do not require valid identifying information, and also allow communication with many victims in a short span of time, they are the preferred method of communication for scammers. Some services go so far as to mask the sender's source IP address (Gmail being a common choice), making the scammer more difficult to trace to country of origin. While Gmail does indeed strip headers from emails, it is in fact possible to trace an IP address from such an email. Scammers can create as many accounts as they wish, and often have several at a time. In addition, if email providers are alerted to the scammer's activities and suspend the account, it is a trivial matter for the scammer to simply create a new account to resume scamming.

Email hijacking/friend scams

Screenshot of Firefox 2.0.0.1[36] phishing suspicious site warning

Some fraudsters hijack existing email accounts and use them for advance-fee fraud purposes. The fraudsters email associates, friends, or family members of the legitimate account owner in an attempt to defraud them.[37] Variety of techniques such as phishing, keyloggers, computer viruses are used to gain login information for the email address.

Fax transmissions

Facsimile machines are commonly used tools of business, whenever a client requires a hard copy of a document. They can also be simulated using web services, and made untraceable by the use of prepaid phones connected to mobile fax machines or by use of a public fax machine such as one owned by a document processing business like FedEx Office/Kinko's. Thus, scammers posing as business entities often use fax transmissions as an anonymous form of communication. This is more expensive, as the prepaid phone and fax equipment cost more than email, but to a skeptical victim it can be more believable.

SMS messages

Abusing SMS bulk senders such as WASPs, scammers subscribe to these services using fraudulent registration details and paying either via cash or stolen credit card details. They then send out masses of unsolicited SMSes to victims stating they have won a competition, lottery, reward, or like event, and they have to contact somebody to claim their prize. Typically the details of the party to be contacted will be an equally untraceable email address or a virtual telephone number. These messages may be sent over a weekend when abuse staff at the service providers are not working, enabling the scammer to be able to abuse the services for a whole weekend. Even when traceable, they give out long and winding procedures for procuring the reward (real or unreal) and that too with the impending huge cost of transportation and tax or duty charges. The origin of such SMS messages are often from fake websites/addresses.

A recent (mid-2011) innovation is the use of a Premium Rate 'call back' number (instead of a web site or email) in the SMS. On calling the number, the victim is first reassured that 'they are a winner' and then subjected to a long series of instructions on how to collect their 'winnings'. During the message, there will be frequent instructions to 'ring back in the event of problems'. The call is always 'cut off' just before the victim has the chance to note all the details. Some victims call back multiple times in an effort to collect all the details. The scammer thus makes their money out of the fees charged for the calls.

Telecommunications relay services

Many scams use telephone calls to convince the victim that the person on the other end of the deal is a real, truthful person. The scammer, possibly impersonating a person of a nationality, or gender, other than their own, would arouse suspicion by telephoning the victim. In these cases, scammers use TRS, a US federally funded relay service where an operator or a text/speech translation program acts as an intermediary between someone using an ordinary telephone and a deaf caller using TDD or other teleprinter device. The scammer may claim they are deaf, and that they must use a relay service. The victim, possibly drawn in by sympathy for a disabled caller, might be more susceptible to the fraud.

FCC regulations and confidentiality laws require operators to relay calls verbatim, and adhere to a strict code of confidentiality and ethics. Thus, no relay operator may judge the legality and legitimacy of a relay call, and must relay it without interference. This means the relay operator may not warn victims, even when they suspect the call is a scam. MCI said about one percent of their IP Relay calls in 2004 were scams.[38]

Tracking phone-based relay services is relatively easy, so scammers tend to prefer Internet Protocol-based relay services such as IP Relay. In a common strategy, they bind their overseas IP address to a router or server located on US soil, allowing them to use US-based relay service providers without interference.

TRS is sometimes used to relay credit card information to make a fraudulent purchase with a stolen credit card. In many cases however, it is simply a means for the con artist to further lure the victim into the scam.

Invitation to visit the country

Sometimes, victims are invited to a country to meet government officials, an associate of the scammer, or the scammer themselves. Some victims who travel are instead held for ransom. Scammers may tell a victim he or she does not need to get a visa or that the scammers will provide the visa.[39] If the victim does this, the scammers have the power to extort money from the victim.[39] Sometimes victims are ransomed or, as in the case of the Greek George Makronalli, who was lured to South Africa, killed.[40][41] In 1999, Norwegian millionaire Kjetil Moe was also lured to South Africa by 419 scam-artists, and murdered.[42][43] According to a 1995 U.S. State Department report, over fifteen persons between 1992 and 1995 have been murdered in Nigeria after following-through on advance-fee frauds.[44]

Variants

There are many variations on the most common stories, and also many variations on the way the scam works. Some of the more commonly seen variants involve employment scams, lottery scams, online sales and rentals, and romance scams. Many scams involve online sales, such as those advertised on websites such as Craigslist and eBay, or even with rental properties. It is important to keep in mind that it is beyond the scope of this article to list every single type of known advanced fee fraud or 419 scheme. Rather, this only covers some of the major types. Additional examples may be available in the external links section at the end of this article.

Employment scams

This scam targets people who have posted their resumes on e.g. job sites. The scammer sends a letter with a falsified company logo. The job offer usually indicates exceptional salary and benefits, and requests that the victim needs a "work permit" for working in the country, and includes the address of a (fake) "government official" to contact. The "government official" then proceeds to fleece the victim by extracting fees from the unsuspecting user for the work permit and other fees. A variant of the job scam recruits freelancers seeking legitimate gigs (such as in editing or translation), then offers "pre-payment" for their work.

Many legitimate (or at least fully registered) companies work on a similar basis, using this method as their primary source of earnings. Some modelling and escort agencies will tell applicants that they have a number of clients lined up, but that they require a "registration fee" of sorts to account for processing and marketing expenses, or so it is claimed, which is paid in a number of untraceable methods, most often by cash; once the fee is paid, the applicant is informed the client has cancelled, and thereafter they never contact the applicant again.

The scammer contacts the victim to interest them in a "work-at-home" opportunity, or asks them to cash a check or money order that for some reason cannot be redeemed locally. In one cover story, the perpetrator of the scam wishes the victim to work as a "mystery shopper", evaluating the service provided by MoneyGram or Western Union locations within major retailers such as Wal-Mart.[45] The scammer sends the victim a forged check or money order, the victim cashes it, sends the cash to the scammer via wire transfer, and the scammer disappears. Later the forgery is discovered and the bank transaction is reversed, leaving the victim liable for the balance. Schemes based solely on check cashing usually offer only a small part of the check's total amount, with the assurance that many more checks will follow; if the victim buys into the scam and cashes all the checks, the scammer can win big in a very short period of time.

Resume blasting

The simplest form of employment scamming offers guarantees of employment within a fixed time period, such as 30 days, for a fee. These "seeker companies" then distribute the victim's resume to prospective employers (in a process known as "resume blasting") in hopes of tricking the victim into believing the authenticity of their business. The victim then pays money to have his or her details sent to employers who are hiring, but what the fraudsters do instead is spam hundreds or thousands of employers, industry websites, and online magazines with a victim's details in hopes of having the companies send them correspondence they can use to scam new victims. Occasionally, they will also have the company pay for travel and other work related expenses by passing themselves off as the victim, thus scamming both the employers and job seekers.

Some of these "employment agencies" offer a money back guarantee as an incentive so as to bait victims who do not wish to pay money for a failed employment search. Very few job seekers ever receive a refund, though it has been known to occur.

Bogus job offers

More sophisticated scams advertise jobs with real companies and offer lucrative salaries and conditions with the fraudsters pretending to be recruitment agents. A bogus telephone interview may take place and after some time the applicant is informed that the job is theirs. To secure the job they are instructed to send money for their work visa or travel costs to the agent, or to a bogus travel agent who works on the scammer's behalf. No matter what the variation, they always involve the job seeker sending them or their agent money, credit card or bank account details.

Another form involves bogus jobs being placed on legitimate Internet job boards. For example, a fraudster places a bogus job listing on a legitimate employment site, which is then e-mailed to thousands of job seekers wishing to find a job meeting that criteria. The fraudsters then take advantage of those who contact them, by asking for employment, visa, or travel fees in advance before they can consider the person for employment. Often, they create fabricated websites mirroring the real company sites, or create fake websites parodying a non-existent company which is legitimately registered in their origin country for the sole purpose of scamming victims.

Most often, fraudsters will use stolen credit card information to pay for posting their job opportunities on legitimate sites, as well as paying for the hosting of a bogus company's site.

A newer form of employment scam has arisen in which users are sent a bogus job offer, but are not asked to give over financial information. Instead, their personal information is harvested during the application process and then sold to third parties for a profit, or used for identity theft.[46][47]

Another form of employment scam involves making people receive a fake "interview" where they are told the benefits of the company. The attendees are then made to assist to a conference where scammer will use elaborate manipulation techniques to convince the attendees to purchase products, in a similar manner to the catalogue merchant business model, as a hiring requisite. Quite often, the company lacks any form of physical catalogue to help them sell products (e.g. jewelry). When "given" the job, the individual is then asked to promote the scam job offer on their own. They are also made to work the company unpaid as a form of "training".

Still another form involves making the candidates pay up money upfront in person. They are then led to believe that after the training the job would materialize. But the job is fake, and does not exist in the first place. The candidate effectively is fooled using deception.

Cash-handling scam

These scammers do internet searches on various companies to obtain hiring managers names. They then advertise job offers on Job Search sites. The job hunter will then apply for the position with a resume. The person applying for the position will get a message almost instantly from a common email account such as "Yahoo", asking for credentials. The scammer will sometimes request that the victim have an "Instant Messenger" chat to obtain more information. The scammer guarantees employment, usually through automated computer programs that have a certain algorithm, with "canned responses" in broken English.

At the "Instant Messenger" stage it is usually too late and the process has already begun. If the victim questions the integrity of the process, the computer program may call them a "scammer" and can be quite vulgar. Quite often the fraudulent negotiables are still sent to the address on the victim's resume, even after the fake online rant.

The scammer sends the victim fraudulent negotiables, assuring them that they get to keep part of the funds. They will expect the victim to send the remainder to various parties that they specify, under the guise that they are legitimate business contacts. This is a money laundering scheme, as the victim becomes a pawn in the filtering process. The process continues until the victim catches on, or even gets caught.

Another form of the scam is the "Representative/Collection Agent" variation wherein the scammer advertises, usually on legitimate online job sites, available positions for "Representative or Collection Agent" for a company abroad. As the representative, the job involves receiving cash payments and depositing payments received from "customers" into one's account and remitting the rest to the overseas business bank account. This is essentially money laundering.

Lottery scam

Main article: Lottery scam

The lottery scam involves fake notices of lottery wins. The winner is usually asked to send sensitive information such as name, residential address, occupation/position, lottery number etc. to a free email account which is at times untraceable or without any link. The scammer then notifies the victim that releasing the funds requires some small fee (insurance, registration, or shipping). Once the victim sends the fee, the scammer invents another fee.

Much like the various forms of overpayment fraud detailed above, a new variant of the lottery scam involves fake or stolen checks being sent to the 'winner' of the lottery (these checks representing a part payment of the winnings). The winner is more likely to assume the win is legitimate, and thus more likely to send the fee (which he does not realize is an advance fee). The check and associated funds are flagged by the bank when the fraud is discovered, and debited from the victim's account.

In 2004 a variant of the lottery scam appeared in the United States. Fraud artists using the scheme call victims on telephones; a scammer tells a victim a government has given them a grant and they must pay an advance fee, usually around $250, to receive the grant.[48]

Online sales and rentals

Many scams involve the purchase of goods and services via classified advertisements, especially on sites like Craigslist, eBay, or Gumtree. These typically involve the scammer contacting the seller of a particular good or service via telephone or email expressing interest in the item. They will typically then send a fake check written for an amount greater than the asking price, asking the seller to send the difference to an alternate address, usually by money order or Western Union. A seller eager to sell a particular product may not wait for the check to clear, and when the bad check bounces, the funds wired have already been lost.[49]

Some scammers advertise phony academic conferences in exotic or international locations, complete with fake websites, scheduled agendas and advertising experts in a particular field that will be presenting there. They offer to pay the airfare of the participants, but not the hotel accommodations. They will extract money from the victims when they attempt to reserve their accommodations in a non-existent hotel.[50]

Sometimes, an inexpensive rental property is advertised by a fake landlord, who is typically out of state (or the country) and asking for the rent and/or deposit to be wired to them.[51] Or the con artist finds a property, pretends to be the owner, lists it online, and communicates with the would-be renter to make a cash deposit.[52] The scammer may also be the renter as well, in which case they pretend to be a foreign student and contact a landlord seeking accommodation. They usually state they are not yet in the country and wish to secure accommodations prior to arriving. Once the terms are negotiated, a forged check is forwarded for a greater amount than negotiated, and the fraudster asks the landlord to wire some of the money back.[53]

Pet scams

This is a variation of the online sales scam where high-value, scarce pets are advertised as bait on online advertising websites using little real seller verification like Craigslist, Gumtree, and JunkMail. The pet may either be advertised as being for-sale or up for adoption. Typically the pet is advertised on online advertising pages complete with photographs taken from various sources such as real advertisements, blogs or where ever an image can be stolen. Upon the potential victim contacting the scammer, the scammer responds by asking for details pertaining to the potential victim's circumstances and location under the pretense of ensuring that the pet would have a suitable home. By determining the location of the victim, the scammer ensures he is far enough from the victim so as to not allow the buyer to physically view the pet. Should the scammer be questioned, as the advertisement claimed a location initially, the scammer will claim work circumstances having forced him to relocate. This forces a situation whereby all communication is either via email, telephone (normally untraceable numbers) and SMS. Upon the victim deciding to adopt or purchase the pet, a courier has to be used which is in reality part of the scam. If this is for an adopted pet, typically the victim is expected to pay some fee such as insurance, food or shipping. Payment is via MoneyGram, Western Union or money mules' bank accounts where other victims have been duped into work from home scams.[54]

Numerous problems are encountered in the courier phase of the scam. The crate is too small and the victim has the option of either purchasing a crate with air conditioning or renting one while also paying a deposit, typically called a caution or cautionary fee. The victim may also have to pay for insurance if such fees have not been paid yet. If the victim pays these fees, the pet may become sick and a veterinarian's assistance is sought for which the victim has to repay the courier. Additionally, the victim may be asked to pay for a health certificate needed to transport the pet, and for kennel fees during the recuperation period. The further the scam progresses, the more similar are the fictitious fees to those of typical 419 scams. It is not uncommon to see customs or like fees being claimed if such charges fit into the scam plot.[55]

Numerous scam websites may be used for this scam. This scam has been linked to the classical 419 scams in that the fictitious couriers used, as are also used in other types of 419 scams such as lotto scams.

Romance scam

Main article: Romance scam

One of the variant is the Romance Scam, a money-for-romance angle.[56] The con artist approaches the victim on an online dating service, an instant messenger, or a social networking site. The scammer claims an interest in the victim, and posts pictures of an attractive person.[57] The scammer uses this communication to gain confidence, then asks for money.[56] The con artist may claim to be interested in meeting the victim, but needs cash to book a plane, buy a bus ticket, rent a hotel room, pay for personal-travel costs such as gasoline or a vehicle rental, or to cover other expenses. In other cases, they claim they're trapped in a foreign country and need assistance to return, to escape imprisonment by corrupt local officials, to pay for medical expenses due to an illness contracted abroad, and so on.[57] The scammer may also use the confidence gained by the romance angle to introduce some variant of the original Nigerian Letter scheme,[57] such as saying they need to get money or valuables out of the country and offer to share the wealth, making the request for help in leaving the country even more attractive to the victim.

In a newer version of the scam, the con artist claims to have information about the fidelity of a person's significant other, which they will share for a fee. This information is garnered through social networking sites by using search parameters such as 'In a relationship' or 'Married'. Anonymous emails are first sent to attempt to verify receipt, then a new web based email account is sent along with directions on how to retrieve the information.

A scam from Malaysia involves a "woman" alleging to be half American and half Asian with a father who is American but has died. After communication begins the target is immediately asked for money to pay for the woman's sick mother's hospital bills. Also, requests are made to help her get back to the United States. In every case the scammer does not use a webcam so the target can't verify the woman is truly in the picture they have sent. Offers to send a camera to the woman by postal mail (instead of money to buy it) are met with hostility.

Domestic scams often involve meeting someone on an online match making service.[56] The scammer initiates contact with their target who is out of the area and requests money for transportation fare.[57] One "woman" scamming had money sent to a generic name like Joseph Hancock alleging she could not collect the money due to losing her international passport. After sending the money the victim is given bad news the woman was robbed on the way to the bus stop and the victim feels compelled to send more money. The fraudster almost never visits the victim and is willing to chat with the victim through a chat client as long as the victim is still willing to send more money.

In another variation on the romance scam, the scammer contacts women, either in Nigeria or elsewhere, for example, Ghana, offering to "find a man" for them on Internet dating or social media sites. The scammer will charge the woman a fee for his services or may even offer to sell her a computer so she can have direct access to Internet and e-mail. The scammer then runs the traditional scam to lure a man into a relationship, again using false names, stories and photos.

When a victim travels to a meeting, it can have deadly consequence as in the case of Jette Jacobs, 67, from Australia. Jette Jacobs traveled to South Africa to supposedly marry her scammer, Jesse Orowo Omokoh, 28, after having sent more than $200,000 to him over a three-year period. Her body was discovered on the 9th of February 2013 under mysterious circumstances, two days after meeting up with Omokoh. Omokoh has fled back to Nigeria. After questioning in Nigeria, Omokoh was arrested. He was found to have had 32 fake online identities. He was never charged with murder, due to the inability to prove he had a hand in the death of Jette Jacobs, only fraud charges.[58][59]

Mobile tower installation fraud

Main article: Mobile tower fraud

One variant of advanced-fee fraud popular in India is mobile tower installation fraud. The fraudster uses Internet classified websites and print media to lure the public for installation of mobile towers on their property. The fraudster also creates fake websites to legitimate. The victims part their money in pieces to the fraudster on account of the Government Service Tax, government clearance charges, bank charges, transportation charges, survey fee etc. The Indian government is issuing public notices in media to spread awareness among the public and warn them against mobile tower fraudsters.[60][61] This fraud is widely spread in India and Pakistan.[62][63]

Other scams

Other scams involve unclaimed property, also called "bona vacantia" in the United Kingdom. In England and Wales (other than the Duchy of Lancaster and the Duchy of Cornwall), this property is administered by the Bona Vacantia Division of the Treasury Solicitor's Department. Fraudulent emails and letters claiming to be from this department have been reported, informing the recipient they are the beneficiary of a legacy but requiring the payment of a fee before sending more information or releasing the money.[64] In the United States, messages may appear to come from the National Association of Unclaimed Property Administrators (NAUPA). Interestingly, this is a real organization of unclaimed property chiefs from around the nation, but it does not have control over any actual money – much less the authority to dole it out to people.[65]

In one variant of 419 fraud, an alleged hitman writes to someone explaining he has been targeted to kill them. He tells them he knows the allegations against them are false, and asks for money so the target can receive evidence of the person who ordered the hit.[66]

Another variant of advanced fee fraud is known as a pigeon drop. This is a confidence trick in which the mark, or "pigeon", is persuaded to give up a sum of money in order to secure the rights to a larger sum of money, or more valuable object. In reality, the scammers make off with the money and the mark is left with nothing. In the process, the stranger (actually a confidence trickster) puts his money with the mark's money (in an envelope, briefcase, or sack) which the mark is then entrusted with. The money is actually not put into the sack or envelope, but is switched for a bag full of newspaper or other worthless material. Through various theatrics, the mark is given the opportunity to leave with the money without the stranger realising. In actuality, the mark would be fleeing from his own money, which the con man still has (or has handed off to an accomplice).[67]

Some scammers will go after the victims of previous scams; known as a reloading scam. For example, they may contact a victim saying they can track and apprehend the scammer and recover the money lost by the victim, for a price. Or they may say a fund has been set up by the Nigerian government to compensate victims of 419 fraud, and all that is required is proof of the loss, personal information, and a processing and handling fee. The recovery scammers obtain lists of victims by buying them from the original scammers.[68]

Consequences

Estimates of the total losses due to the scam vary widely since many people may be too embarrassed to admit that they were gullible enough to be scammed to report the crime. A United States government report in 2006 indicated that Americans lost $198.4 million to Internet fraud in 2006, averaging a loss of $5,100 per incident.[15] That same year, a report in the United Kingdom claimed that these scams cost the United Kingdom economy £150 million per year, with the average victim losing £31,000.[69] In addition to the financial cost, many victims also suffer a severe emotional and psychological cost, such as losing their ability to trust people. One man from Cambridgeshire, UK, committed suicide by lighting himself on fire with petrol after realizing that the $1.2 million "internet lottery" that he won was actually a scam.[70] In 2007, a Chinese student at the University of Nottingham killed herself after she discovered that she had fallen for a similar lottery scam.[71]

Other victims lose wealth and friends, become estranged from family members, deceive partners, get divorced, or commit other criminal offenses in the process of either fulfilling their "obligations" to the scammers or obtaining more money.[72] In 2008, an Oregon woman lost $400,000 to a Nigerian advance-fee fraud scam, after an email told her she had inherited money from her long-lost grandfather. Her curiosity was piqued because she actually had a grandfather whom her family had lost touch with, and whose initials matched those given in the email. She sent hundreds of thousands of dollars over a period of more than two years, despite her family, bank staff and law enforcement officials all urging her to stop.[73] The elderly are also particularly susceptible to online scams such as this, as they typically come from a generation that was more trusting, and are often too proud to report the fraud. They also may be concerned that relatives might see it as a sign of declining mental capacity, and they are afraid to lose their independence.[74]

Even though the United States Federal Trade Commission and other government agencies are well aware of the Nigerian and advance-fee fraud, victims can still be tried and convicted of crimes themselves. They may end up borrowing or stealing money to pay the advance fees, believing an early payday is imminent. Some of the crimes committed by victims include Credit-card fraud, check kiting, and embezzlement.[75][76][77] One San Diego-based businessman, James Adler, lost over $5 million in a Nigeria-based advance-fee scam. While a court affirmed that various Nigerian government officials (including a governor of the Central Bank of Nigeria) were directly or indirectly involved and that Nigerian government officials could be sued in U.S. courts under the "commercial activity" exception to the Foreign Sovereign Immunities Act, he was unable to get his money back due to the doctrine of unclean hands because he had knowingly entered into a contract that was illegal.[78]

Some 419 scams involve even more serious crimes, such as kidnapping or murder. One such case, in 2008, involves Osamai Hitomi, a Japanese businessman who was lured to Johannesburg, South Africa and kidnapped on September 26, 2008. The kidnappers took him to Alberton, south of Johannesburg, and demanded a $5 million ransom from his family. Seven people were ultimately arrested.[79] In July 2001, Joseph Raca, a former mayor of Northampton, UK, was kidnapped by scammers in Johannesburg, South Africa, who demanded a ransom of £20,000. The captors released Raca after they became nervous.[80] One 419 scam that ended in murder occurred in February 2003, when Jiří Pasovský, a 72-year-old scam victim from the Czech Republic, shot and killed 50-year-old Michael Lekara Wayid, an official at the Nigerian embassy in Prague, and injured another person, after the Nigerian Consul General explained he could not return the $600,000 that Pasovský had lost to a Nigerian scammer.[27][81][82][83]

The international nature of the crime, combined with the fact that many victims do not want to admit that they bought into an illegal activity, has made tracking down and apprehending these criminals difficult. Furthermore, the government of Nigeria has been slow to take action, leading some investigators to believe that some Nigerian government officials are involved in some of these scams.[84] The government's establishment of the Economic and Financial Crimes Commission (EFCC) in 2004 has helped with the issue to some degree, although there are still issues with corruption.[25][85] A notable case which the EFCC pursued was the case of Emmanuel Nwude, who was convicted for defrauding $242 million out of the director of a Brazilian bank, Banco Noroeste, which ultimately led to the bank's collapse.

Despite this, there has been some recent success in apprehending and prosecuting these criminals. In 2004, fifty-two suspects were arrested in Amsterdam after an extensive raid, after which, almost no 419 emails were reported being sent by local internet service providers.[86] In November 2004, Australian authorities apprehended Nick Marinellis of Sydney, the self-proclaimed head of Australian 419ers who later boasted that he had "220 African brothers worldwide" and that he was "the Australian headquarters for those scams".[87] In 2008, US authorities in Olympia, Washington, sentenced Edna Fiedler to two years in prison with 5 years of supervised probation for her involvement in a $1 million Nigerian check scam. She had an accomplice in Lagos, Nigeria, who shipped her up to $1.1 million worth of counterfeit checks and money orders with instructions on where to ship them.[88]

In popular culture

Due to the increased use of the 419 scam on the Internet, it has been used as a plot device in many films, television shows and books. A song, "I Go Chop Your Dollar", performed by Nkem Owoh, also became internationally known as an anthem for 419 scammers.[89] Other appearances in popular media include:

See also

References

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Further reading

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