Lotto & Nigerian Scams
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Federal Trade Commission Bureau of Consumer Protection Office of Consumer & Business Education, July 2003

The ‘Nigerian’ Scam: Costly Compassion


Nigerian advance-fee fraud has been around for decades, but now seems to have reached epidemic proportions:


Some consumers have told the Federal Trade Commission (FTC) they are receiving 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. And apparently, 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. And according to the FTC, the scam artists are playing each and every consumer for a fool.


Here’s the playbook:

Claiming to be Nigerian officials, businesspeople or the surviving spouses of former government honchos, con artists 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’re 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.  Some times, 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 aren’t any profits for you to share, and the scam artist has vanished with your money.


If You Receive an Offer

If you’re tempted to respond to an offer, the FTC suggests you stop and 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 don’t 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

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.


For More Information

More information about Nigerian Advance-Fee Loan scams is available from the U.S. Secret Service ( and the U.S. Department of State (


The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit or call toll-free, 1-877-FTCHELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.




Lotto scams are similar to the Nigerian scams. In the lotto scams, you will receive a letter stating that you have won a lotto drawing.  Included will be a check, along with instructions to deposit or cash the check and send most of it back to a designated person to claim your prize.  After you have sent the funds to claim your prize, the check will be returned as counterfeit or fraudulent, your prize will not arrive and you will be out the amount of the check.


If you should receive (or think you may have received) a solicitation to participate in either of these scams, contact the FTC or one of our bank officers.  We will be happy to assist you in helping to prevent further solicitations from these individuals.


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