Today, I received an email from Mr. Godwin of Central Bank of Nigeria wanting to know if I was Dead or Alive? If I was alive, I could get 27 million US Dollars! The email correspondence that I had with him is reproduced below. My comments about the content are in bold and red. Enjoy!
—–Original Message—– From: CENTRAL BANK OF NIGERIA <mustapha123456789m12@gmail.com> Sent: 18 February 2022 03:50
To: undisclosed-recipients (Caution antenna on since the email is not addressed specifically to me) : Subject: ATTN: BENEFICIARY,ARE YOU DEAD OR ALIVE?URGENT RESPONSE REGARDING YOUR FUND PAYMENT OF $27,000,000.00 ( TWENTY SEVEN MILLION UNITED STATE DOLLARS )</mustapha123456789m12@gmail.com> (Please note the sender email)
CENTRAL BANK OF NIGERIA (CBN)
TINUBU SQUARE CUSTOM STREET,
MARINA RD, LAGOS ISLAND, LAGOS.
FOREIGN REMITTANCE DEPARTMENT.
CONTRACT #: MAV/NNPC/FGN/MIN/013,
SWIFT CODE: CBNINGLA,
A/C#: 329606=101244=169=678
OUR REF: CBN/IRD/CBX/021/11.
GREETINGS FROM THE BOARD AND MANAGEMENT OF CENTRAL BANK OF NIGERIA ( CBN ) URGENT RESPONSE REGARDING YOUR FUND APPROVED PAYMENT OF
$27,000,000.00 ( TWENTY SEVEN MILLION UNITED STATE DOLLARS )
Attention: Beneficiary,
Are you dead or Alive? This is to alert you that your name and email address is on the Central Computer among the list of unpaid contractors, Inheritance next of kin, Compensation fund and lotto beneficiaries that originated from Africa ( Nigerian Government ) Europe, Asia Plus Middle East, Americans ) Among the list of individuals you are a beneficiary to receive an inheritance fund worth the sum of $27,000,000.00 ( TWENTY SEVEN MILLION UNITED STATE DOLLARS
) which has been approved by the Federal Government and deposited into our Bank for your immediate payment but We need your urgent confirmation to this Bank today because in our Bank there was a presence of One Mr. Felix B. Garcia Jr of 94-941 Kauolu place, A-402, Waipahu, HI 96797 USA filing an application contrary to your fund worth the sum of $27,000,000.00 ( TWENTY SEVEN MILLION UNITED STATE DOLLARS ) which has been approved and deposited into our Bank for your immediate payment. The above mentioned person ( Mr. Felix B. Garcia Jr of 94-941 Kauolu place, A-402, Waipahu, HI 96797 USA ) visited this Bank today with a power of attorney given in his favor by you stating that you are dead and you granted him the benefit to process and claim your inheritance fund of $27,000,000.00 ( TWENTY SEVEN MILLION UNITED STATE DOLLARS ) with this Bank for personal reasons, He further stated that he is ready to pay up every necessary fee involve to complete the wire transfer of your fund into his account that the online account will be terminated while your fund should be wired direct into his own Bank account below in American Savings Bank immediately.
Bank Name: American Savings Bank.
Account Number # 3101773052
Routing Number# 321370765
Account Name# Felix B. Garcia Jr.
The management of this Bank wish to know from you today, Did you know this man? Your confirmation to the above will be appreciated as we look forward to hear from you soon if you are still alive before the commence of the transfer of your fund into Mr. Felix B. Garcia Jr provided bank account, As the new Governor of this Noble Bank, I was supposed to Release this Funds to Mr. Felix B. Garcia Jr today but i refused to do so because I wanted to hear from you first to know if truly you are dead or still alive because due to the Nature of my job i will not want to make any mistake in Releasing this Funds to anyone except you whom is the Recognized beneficiary to this Funds therefore i instructed Mr. Felix B. Garcia Jr to come back to this Bank in the next 24 Hours for me to make inquiries and further investigations if you are truly dead. You are advise to quickly call me on my phone number +23481-2675-0353 and reply back immediately once you receive this email, As soon as i receive your urgent response to this Bank today that you are still alive i will quickly proceed with the Processing of your fund transfer payment into your own account or any other means which you will desire to receive your fund because it has been approved for your immediate payment. I look forward to hear from you as soon as possible in this Bank today.
BEST REGARDS,
MR. GODWIN EMEFIELE,
GOVERNOR OF CENTRAL BANK OF NIGERIA (CBN)
Question – Is this a Fradulent Email?
Oh, 100%. As I have mentioned many times in the past, any email that is addressed to undisclosed-recipients: makes me suspicious. The sender is Phishing for someone to take the bait. It is a fraudulent email for sure.
Another thing to note here is that the email has been sent at 3.50 am! Which bank employee works at that time?
Even if the 3.50 am is time as per my location -India it translates to 11.20 pm Nigeria time. 11.30 at night? Who works at that time? Such dedication.
The only thing that is true about the email is the name of the Governor of Central Bank of Nigeria – Godwin Emefiele. A quick google search confiemd that Governor of Central Bank of Nigeria is indeeed Godwin Emefiele. 
I am always amazed at the extent to whch the phisher goes to try and make the emails authentic.
The question that needs to asked is – why would the Governor of a Central Bank send email from a gmail account. In this case the email is from “mustapha123456789m12@gmail.com”.
Why??
Because it is a fraud email.
This email however had no links. Just an email address to reply to.
I replied.
To: centralbnkngfundpayment@aol.com (Please note that the reply to email is different from the email from which the email came)
Fri, 18 Feb at 1:28 pm
Dear Mr. Godwin Emefiele,
I am writing this email to confirm to you that I am ALIVE. I do not know anyone by the name of Mr. Felix B. Garcia Jr. The only Felix I know is my cat.
This Mr. Felix B. Garcia Jr sounds like a fraud. I am ALIVE and KICKING and HEALTHY. Yes, I was down with Covid for sometime, but I am not DEAD.
I have not given any power of attorney to him or anyone to claim my money. I implore you to have him arrested as soon as he comes to your bank today. Show him my email and tell him that I am alive.
I am really very thankful to you Mr. Godwin for doing this noble task of confirming about my well being and due diligence. You are a true banker – someone who can be trusted totally.
Also under no circumstance should you transfer the money to any of this fraud's account.
Do let me know how I can get my 27 Million US Dollars?
best regards
Sanjiv
I received a reply from “Mr. Godwin – The Governor of Central Bank of Nigeria” as given below:
CENTRAL BANK OF NIGERIA <centralbnkngfundpayment1@aol.com>
To: Have deleted my eamil id
Fri, 18 Feb at 3:33 pm
CENTRAL BANK OF NIGERIA (CBN)
TINUBU SQUARE CUSTOM STREET,
MARINA RD, LAGOS ISLAND, LAGOS.
FOREIGN REMITTANCE DEPARTMENT.
CONTRACT #: MAV/NNPC/FGN/MIN/013,
SWIFT CODE: CBNINGLA,
A/C#: 329606=101244=169=678
OUR REF: CBN/IRD/CBX/021/11.
GREETINGS FROM THE BOARD AND MANAGEMENT OF CENTRAL BANK OF NIGERIA ( CBN ) URGENT RESPONSE REGARDING YOUR FUND APPROVED PAYMENT OF $27,000,000.00 ( TWENTY SEVEN MILLION UNITED STATE DOLLARS )
Attention: Beneficiary,
Thank you for your urgent response to this Bank regarding your fund worth the sum of $27,000,000.00 ( TWENTY SEVEN MILLION UNITED STATE DOLLARS ) which has been approved and deposited into our Bank for your immediate payment, I have received the statement of your email and it is well understood, Firstly i want to start by saying thank God you are still alive (wow! man did you read my email or is it auto respondor based email?) to receive your fund and you did not know or authorized Mr. Felix B. Garcia Jr of 94-941 Kauolu place, A-402, Waipahu, HI 96797 USA to claim your inheritance fund with this Bank which means he is a fraudster therefore we will arrest him and hand him over to the Police for trying to fraud this Bank so he will be sentence to prison according to the law and constitution. (I think he has read my email and is respondng to my suggestion of arresting Mr. Felix)
Meanwhile We had a general board meeting in our Bank today regarding this present situation and since you are still alive to receive this fund i hereby officially notifying you about the present arrangement to pay you as i have been appointed to take in-charge of your fund payment here in this Bank during the general board meeting we have decided to make this payment direct to you whom is the rightful beneficiary of this fund through the two following options below which you have to choose one option on how you will desire to receive your fund and quickly follow up the procedure for your immediate fund payment.
Option ( 1 ) Through Bank To Bank Wire Transfer: This is a direct electronic transfer that will enable you receive the sum of money in your bank account that you will provide for this Bank to effect the transfer as it is always done electronically. It will take 24 hours being one (1) working day to reflect into your account.
Option ( 2 ) Through ATM CARD Payment: We will convert your fund into an ATM MASTER CARD and send it to you for you to receive the ATM MASTER CARD this will take 48 hours being two (2) working days to be deliver to your doorstep. We will have to use our courier company to deliver the ATM CARD parcel direct to your location home address for you to receive the ATM CARD and start making use of it in making withdraw of your fund in any Atm machine in your country and all over the world. You can also be able to make use of the ATM CARD in making transfer of your fund by your self into your own Bank account.
You are hereby advise to quickly choose one option on how you will desire to receive your fund and respond back to this Bank today, Any option you choose now among the two we will start processing on it then you will need to comply for the proceed of your fund payment without any further delay, If you desire to receive your fund through BANK WIRE transfer quickly respond back to this Bank and provide or reconfirm to us your personal information such as your Full Name, Location home address and your banking details where you will desire to receive your fund for an accurate transfer into your account. If you desire to receive your fund through ATM CARD payment kindly provide your personal information such as your Full Name and your location home address for the delivery to your home, The information required from you is such as below.
Your Name In Full:……………………….
Country And Location Home Address:……………………..
Private Telephone Numbers:…………………
Occupation:………………
A Copy Of Your Identity Card:…………….
Age/Sex:………………………..
Bank Name:……………………….
Bank Location Address:……………………………
Account Name:…………………………….
Account Number:…………………………
Next of Kin:…………………………….
Kindly choose one option on how you will like to receive your fund and quickly respond back to this Bank today with the required information for us to proceed with your fund payment without any further delay, Thank you for your kind understanding, I look forward to hear from you as soon as possible today.
BEST REGARDS,
MR. GODWIN EMEFIELE,
GOVERNOR OF CENTRAL BANK OF NIGERIA (CBN)
PHONE NUMBER: +23481-2675-0353.
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