“Nigerian” Scam

Nigerian advance-fee fraud has been around for decades, but now seems to have reached epidemic proportions. Some consumers claim to receive dozens of offers a day from supposed Nigerians politely promising big profits in exchange for help moving large sums of money out of their country. Many compassionate consumers are continuing to fall for the convincing sob stories, the unfailingly polite language, and the unequivocal promises of money. These advance-fee solicitations are scams.

How it works

Con artists, claiming to be Nigerian officials, businesspeople, or the surviving spouses of former government honchos, offer to transfer millions of dollars into your bank account in exchange for a small fee. If you respond to the initial offer, you may receive "official looking" documents. Typically, you are then asked to provide blank letterhead and your bank account numbers, as well as some money to cover transaction and transfer costs and attorney's fees.

You may even be encouraged to travel to Nigeria or a border country to complete the transaction. Sometimes, the fraudsters will produce trunks of dyed or stamped money to verify their claims. Inevitably, though, emergencies come up, requiring more of your money and delaying the "transfer" of funds to your account; in the end, there are not any profits for you to share, and the scam artist has vanished with your money.

If You Receive an Offer

If you are tempted to respond to an offer, please ask yourself two important questions:

Why would a perfect stranger pick you — also a perfect stranger — to share a fortune with?
And Why would you share your personal or business information, including your bank account numbers or your company letterhead, with someone you do not know?

The U.S. Department of State cautions against traveling to the destination mentioned in the letters. According to State Department reports, people who have responded to these "advance-fee" solicitations have been beaten, subjected to threats and extortion, and in some cases, murdered.

If you receive an offer via email from someone claiming to need your help getting money out of Nigeria— or any other country, for that matter — forward it to the FTC at spam@uce.gov.

If you have lost money to one of these schemes, call your local Secret Service field office. Local field offices are listed in the Blue Pages of your telephone directory.