Writer's Notes - By Jeanne Dininni

Another Attempt at Identity--Or Money--Theft via E-Mail

I received yet another fraudulent, or phishing, e-mail a few days ago that I thought I'd share with you to help you avoid being taken advantage of, as well as to expose the unscrupulous individuals who engage in these illegal internet activities. (I seriously entertained the thought of leaving the return e-mail address in but decided that that would be irresponsible on my part, since it could cause problems for anyone who might decide to send these con artists an e-mail; so I've instead reproduced their e-mail address as "[undisclosed]mail.com.")


An Unbelievably Poor Attempt at Separating Me from My Money

The text of the blatantly phishing-oriented e-mail follows:

From International Paying Bank ipbn2008@[undisclosed]mail.com Nov 9 (3 days ago)
reply-to ipbn2006@[undisclosed]mail.com,

to
date Nov 9, 2007 1:46 PM
subject CHEQUE REMITTANCE RESPONSE REQUIRED!!!



ATTN:

With reference to your yet to be transferred inheritance funds in the
STB/ETB Banks in Lagos, after due consideration of the fact that you had
not been able to claim your rightful inheritance which from our datas
gotten from the Central Bank of Nigeria is $750,000 an inheritance claim
before the end of the last quarter of the year 2005, the Federal Ministry
of Finance has decided that all beneficiaries who have not fulfilled all
paperwork request for the
release of his/her inheritance funds to his/her nominated account,
should be transferred to the International Paying Bank of Nigeria.


The IPBN has been advised to pay you instalmentally,through NATWEST
BANK UK PLC starting with the sum of $250,000.00 (TWO HUNDRED AND
FIFY THOUSAND US Dollars) strictly by certified cheque , which will be
debited from the Government's foriegn account with NatWest bank UK
clearable every 3month after drawn airmarked for payment in the Fourth
quarter of 2007.

The cheque will be sent to the contact address you will provide to us.


The check will be sent to you via our official courier,FEDEX, to your
designated contact address . As soon as we receive your response: a
confirmation that you have received this message and you are willing to
receive the cheque, the cheque will be sent to your contact address. We
will require the following information from you to prepare the cheque
immediately in your name:


Beneficiary Full Name:

Contact ADDRESS :

Telephone Number:

Your response will be highly appreciated.

Best Regards,

Mrs Martha Kartaka
Depty. Remittance Director
E-MAIL: ipbn2006@[undisclosed]mail.com

International Paying Bank[IPBN] [SUBSIDIARY OF THE CBN]

When Greed Overcomes Common Sense, Potential Victims Benefit

The one good thing about most of the individuals who engage in this sort of identity-theft attempt is that they seem to be totally oblivious to some of the more ridiculous aspects of their scams, such as the following:

1. If they were writing to inform me of a legitimate inheritance that awaited me at their bank, they would most certainly know my name! The fact that they not only don't address me by name (see blank "ATTN" line), but that the e-mail isn't even addressed to me (see blank "to" line [more on this later]--and to a slightly lesser extent, the fact that they ask for my name along with the rest of my contact info near the bottom of the e-mail--are a dead giveaway that this e-mail is a scam, and a very poorly conceived one, at that.

2. As mentioned in point #1, the e-mail is not only not addressed to me, but the "to" line is completely blank. These people weren't even sophisticated enough to attempt to hide the fact that this e-mail was likely sent to an entire list of hidden e-mail addresses via BCCs (Blind Carbon Copies). More savvy fraudsters generally put an e-mail address in the "to" line as a cover, to lend the e-mail an air of legitimacy --though this is still a dead giveaway to those alert enough to notice that someone else's e-mail address is in the "to" line and who know that this isn't just an innocent mistake but a clue that fraud is the intent of the e-mail.

3. Not only is the e-mail atrociously written--note particularly the word "airmarked," which should be "earmarked"--but its formatting is also horrendous. This highly unprofessional--and equally embarrassing--presentation is a real indicator that the e-mail did not come from a legitimate banking entity.

4. It's extremely doubtful that any bank which had a $750,000 inheritance to deliver to me would ever contact me via e-mail. (That idea is actually almost laughable.) In fact, it's highly doubtful that the bank would contact me at all. I'd far more likely receive a letter from a legitimate law firm via snail mail--or perhaps international air mail, if from another country.


May Many Other Con Artists Follow their "Shining" Example!

No doubt there are other clues to the illegitimacy of this e-mail which I haven't had time to delve into yet. But these four certainly suffice to warn potential victims of the true nature of this message and others like it. Thankfully, these aspiring fraudsters have shot themselves in the foot in more ways than one with their sorry excuse for a scam. And we can only hope that many more e-mail con artists will follow in their footsteps and do as bad a job at phishing as they have done in attempting to hook their victims!


Don't Let Down Your Guard! Protect Your Identity--and Your Money!

Yet, the fact that many--if not most--scammers are very poor at what they do is not a good reason to let down your guard. Stay alert! Watch out for those unscrupulous individuals who seek every opportunity they can find or create to steal your identity so they can part you and your money! They are everywhere--and they aren't likely to give up any time soon!

We writers--along with many others--work very hard for our money; and we don't do it so we can give it away to those who have nothing better to do all day than sit around thinking up ways to steal other people's money!

Keep your identity--and your money--safe!
Jeanne







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