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Nigerian Prince or 419 Scams

Most 419 scams start with an unsolicited message, usually an email, presenting a seemingly lucrative opportunity that requires you to pay upfront fees to unlock a massive fortune.

How It Works:

  • The Lure: Scenarios include wealthy individuals needing help moving millions, winning a lottery you never entered, or a distant relative leaving you an inheritance.
  • The "Advance Fee": To access the fortune, you are asked to pay upfront for "legal fees," "taxes," or "bribes."
  • The Hook & Disappearance: The scammers invent more reasons for additional payments. The promised funds never materialize, and the scammer vanishes with your money.

Key Red Flags:

  • Unsolicited offers involving vast sums of money for little effort.
  • A false sense of urgency and pressure to act quickly.
  • Requests to keep the transaction absolutely secret.
  • Poor grammar, spelling mistakes, and generic greetings.
  • Requests for untraceable payment methods like wire transfers or cryptocurrency.

How to Protect Yourself:

  • Be Skeptical: If an offer seems too good to be true, it almost certainly is.
  • Never Pay Upfront Fees: Do not send money in anticipation of receiving a larger sum later.
  • Don't Respond: Simply delete suspicious messages. Responding confirms your email is active.

Where to Report It

Report scams even if you didn't lose money. Every report helps investigators spot patterns and warn others.

  • FBI Internet Crime Complaint Center (IC3): ic3.gov
  • Federal Trade Commission: reportfraud.ftc.gov
  • AARP Fraud Watch Network Helpline: 877-908-3360