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Unexpected money and winnings scams occur when scammers approach potential victims and promise things such as new phones, big amounts of money (often in the form of an inheritance or lottery) and other great opportunities (e.g. free trips, cars). Scammers often pretend that you have completed a survey or helped someone, thus they are obligated to give a fortune to you. There are 3 types of unexpected money scams:
If you are contacted by an unknown person by letter, email, text message, social media message or phone call, stating that you have inherited an enormous sum of money, you may be involved in an inheritance scam. The scammer will insist that you are a distant relative, that they want to support the goals of your company or that you are just a good person.
The scammer usually poses as a lawyer, a banker or other official that has the right to process the will.
However, the process of receiving the inheritance is difficult and you have to send documents and more importantly money. In this type of scam, once the scammers have your attention, they can go to great lengths to send official-looking documents to sign. Sooner or later there will be legal fees, courier fees and other types of costs that need to be paid, or else you risk losing the inheritance
Unexpected contact: You are contacted out of the blue by an official and they will quickly turn to a topic about money. They will likely be using a public email address like Gmail, Hotmail or Yahoo, which is an almost certain way to tell that the person is a scammer.
The family member is unknown: Scammers rarely refer to a family member you know as you can easily check if the family member really passed away. Usually, the inheritance will supposedly belong to a relative you have never heard of before or someone who simply shares your last name.
Dubious legitimacy: The more experienced inheritance scammers can provide letters and emails with professional headings, logos and signatures. The scammer can also send fake birth certificates, passport copies and bank statements that can be provided as well. Though appearing legitimate at first, these documents will not hold up to closer scrutiny.
Unthinkable amount: To interest a victim, scammers promise a great amount of money, usually million of dollars or euros.
They want your data: One of the first steps of the scam will be to ask for very personal information like your passport, bank account number, credit card details, etc. They state they need this information to verify you as a receiving party but can use the information to gain access to your credit card and bank account.
They want money: Scammers will start asking for money and the amount will steadily increase. The reasons for asking the fees may differ. From doing the necessary paperwork to the transaction cost of sending the money to you or bribing local government officials (which is illegal in itself).
The first step is to be realistic. What are the chances you inherit money from a person you have never met and did not know existed? Zero. If you still want to check it out (at your own risk) we recommend taking the following steps:
Check documents: Whenever you receive a legal looking document and wondering whether you should respond, you can:
Ask a professional to help you: If there is really an inheritance, you must report the transaction to the authorities anyway. Do not let greed get the better of you as scammers will ask you to keep the transaction confidential. Ask an accountant or tax advisor to help you. They can also validate the inheritance.
Do not send documents or money: This is what the scammer wants. Never send money or provide sensitive information for people you do not know until you are 100% sure they are legit.
Advance Fee Scams are commonly known as 419 or Nigerian scams, but they do not come solely from Nigeria. It is called so because the first wave of emails, letters, and messages originated from Nigeria. The number "419" refers to the section of the Nigerian Criminal Code dealing with fraud, the charges, and penalties for offenders. However, the Nigerian scam (also called the Nigerian Prince scam, Spanish Prisoner scam, black money scam, etc.) now occurs from all over the world.
Scammers will use any means of contact to approach the victims, stating there is a unique and profitable situation - “Soldiers in Syria found a treasure but they cannot bring it to their country” or “during the political turmoil, a large amount of cash got into hands of people who need help to take money out of the country”.
These and hundreds of other examples pursue victims to transfer money to unknown individuals. In the end, it is always about money which needs to be transferred (illegally) out of a country.
Unexpected contact: Once again you are contacted out of the blue with a message requesting help or a great opportunity. The message includes a story of how the person cannot transfer money easily and it requires a hefty process that has additional costs involved.
They want money: For this easy help, you are promised a life-changing amount that will be yours after they complete the transactions. If you paid once, they will find ways to get additional money needed to pay fees, bribe a government official or pay taxes.
Again, the first step is to take a moment to think. Why have they contacted a random stranger when there are so many other ways to get money out of a country? Why do they need money if they have money? Why should you get involved in something which is clearly illegal or at least very suspicious?
Our recommendation is simply to break off any contact. Ignore the emails or if they keep contacting you state that you will forward their message to the police.
Money: Never send money or provide sensitive information for people you do not know.
Money laundering: Scammers might use terms such as ‘money laundering’ to come clean and give you their share. Do not forget that money laundering is a criminal offense that can lead to time in jail.
Check with a friend: If you receive an email, letter, phone call or a message on social media and you are wondering what to do, tell the story to another person regardless of whether you have been told to keep the communication a secret. Just saying it out loud will ring a bell and the other person might have critical questions.
Search online: Check the names, addresses, and other relevant information online. The same messages are sent to thousands of people and the message you receive would have likely been shared somewhere online.
The main characteristic of this scam is that you are contacted by a government or tax official stating that you paid too much tax or that you are entitled to a reimbursement. Scammers of this type more often contact by phone, but emails and letters are common as well.
The documents the scammer may provide to you may be very professional and nearly impossible to identify as fakes. However, in the end, the scammer will always ask for:
Your data: To transfer the money to you, scammers will ask for your passport or ID, bank account number and credit card details. Governments do not need this information as they already have it!
Your money: Government officials will never ask to pay money in order to receive money. Scammers will make up a story that you need to pay transaction costs, administration fees or simply a bribe. Scammers also usually ask to send money via a wire, money transfer service, gift cards or even pay with cryptocurrencies. These kinds of money transfers are difficult to trace.
If you are still unsure if the rebate or tax return is a scam or legit, take the following steps:
Contact the organization/tax agency: Do not reply to the email and do not call a provided phone number. Officials always can be reached through official channels. Just by calling the official organization you will find out whether the person exists or if it’s a scheme run by scammers.
Protect your identity: Scammers might insist you provide your personal details and sensitive information. Do not do that unless you have checked with the organization through different channels.
Search online: Check the names, addresses, and other relevant information online. Check if the same message has been reported as a scam by someone else online.
First of all, it is important to stay calm. We have a few more tips on what to do in case you fell for an unexpected money scam.
Recover your money: Try to recover money by contacting your bank, credit card company or payment service provider. Recovery may be difficult or even impossible if you paid using gift cards or cryptocurrencies.
Collect proof: Try to save all the details like conversations and especially transaction details. This might come in handy while reporting to authorities.
Report the scammer: Report the scammers as much as possible, especially to the platform you were approached. Social media have built an automatic report system that makes it easier to do it.
Report the scam to the authorities: This is more of a formal procedure rather than practical, but this might help your neighbour in the long term. We encourage reporting every scam to local authorities so they can gather the information to explore the opportunities to help victims.
For more tips, read our article I’ve Been Scammed, What Now?
Unexpected Money & Winning Scams one among numerous types of scams that you can come across online. Follow these simple rules to avoid becoming a victim as well as our guide on How to Recognize a Scam.
