Tag: Nigerian scams

I Survived a Nigerian Scam Part III: Disaster Mode

personby Deborah J. Ross
schedulePosted on

As 2021 drew to a close I realized that I had fallen into a scam I hadn’t heard of: befriending a person on social media and then inducing them to set up a GoFundMe for a medical emergency. Fortunately, I came to my senses before I sent any money from that campaign. Until then, it had never occurred to me that I had been manipulated over a year and a half. As embarrassing as the experience was for me, I’m going public in the interests of educating others.

Part I: Setting the Hook.

Part II: Raising the Stakes

 

Donations to the GoFundMe I had set up for C’s sister came in as I promoted it on social media and directly to friends and family. C ramped up his emotional manipulation and shifted to urgent/disaster mode.

C: Dec 3, 2021, 10:57 am. The doctor called today and  i went to see him. He said he’s going to help talk to the financial department to allow us pay part payment so they can schedule S’s surgery but he said the surgery will likely be January because of the Xmas break and that there are many patient awaiting sugary who has completed all payments. So he asked me how much we have to make deposit and i told him and he said the financial department will only accept a part payment of $7000 and we should make available the balance before the surgery will be carried out

C: The reason why he gave the suggestion is because he said if we make available the full payment Sarah must have to wait because other patients have already been scheduled for surgery and it might take a little bit long. He said it is better we have a date fix for the surgery why will raise funds instead of raising the full payment and still wait for the hospital to fix a date for the surgery

Commentary: C sent a phone photo of a one-page statement with a flat fee for dialysis and surgery. That struck me as odd, given the itemization by American hospitals. The other dubious thing was that the statement was signed by the nephrologist. Do Nigerian doctors handle hospital financial arrangements? And what hospital closes for the Christmas break? I wasn’t yet suspicious enough to try to verify details with an internet search. When I did that, I was unable to find the hospital (the name was a for-profit chain, but I didn’t see this specific location or specialty). The nephrologist was a real doctor who practiced in India. I found no mention of S in the entering classes of her medical school.

 What happened next was indeed fortunate. In the midst of C’s increasingly frequent and importunate pleas, Western Union declined to process the transfer twice. I went through two phone interviews, since apparently they flag all transfers to Nigeria, and as I answered, I could see the warnings go up, one after another. C began urging me to send the money through another, cash-based service, but I had to wait for Western Union to refund the money to my account. Then, almost by happenstance, I spoke with the manager and one of the tellers at my local bank. I do mean, “local.” We’re a close-knit community, and I’m on a first-name basis with the manager. The teller, upon hearing the situation, got very emotional about it being a scam. It turned out that a relative of hers had lost hundreds of thousands of dollars to a romance scam. I wasn’t thrilled with her warnings, but her words caused me to step back and ask myself, “What if this really is a scam?”

Once I started questioning, the red flags went up everywhere. Most of them are mentioned above in my comments. What clinched it was this email from C:

 C: Dec 7, 6:18 PM. Please, don’t allow anything happen to my only sister please am begging you with the name of God. The hospital management agreed to accept part payment which is not their policy but it was the help of the resident doctor who plead on our behalf because he saw how things was really bad for us and the expenses of keeping S much longer at the hospital. Please take it within yourself to go to the MoneyGram so we can at least add the money you want to send and the one we already have with us to at least get a date for the surgery while we still look out to raise the remaining balance for the surgery, thanks and God bless you.

I didn’t reply. Continue reading “I Survived a Nigerian Scam Part III: Disaster Mode”…

I Survived a Nigerian Scam. Part II: Raising the Stakes

personby Deborah J. Ross
schedulePosted on

As 2021 drew to a close I realized that I had fallen into a scam I hadn’t heard of: befriending a person on social media and then inducing them to set up a GoFundMe for a medical emergency. Fortunately, I came to my senses before I sent any money from that campaign. Until then, it had never occurred to me that I had been manipulated over a year and a half. As embarrassing as the experience was for me, I’m going public in the interests of educating others.

 The first part: Setting the Hook is here.

In April, 2021, C, the Nigerian, was back with another tragic tale.

C: i was called earlier today that my Dad was not feeling fine and his in the hospital.  Will be traveling tomorrow to P– to see how’s doing.

C: My heart is so heavy and i weep. Today life has brought me the greatest shock of my life and has left a wound in my heart. Why is life so unfair to me, why will i keep losing the once i love the most even in the face of untold hardship. I arrived P– after 4 hours trip and gotten to the hospital i found out that the only thing that ever made sense and mean the world to me was no more and the reality of my present has left me with a broken heart and broken spirit. I lost my Dad today Deborah

C: Please i know am only your friend on fb and in a matter of fact i am not related to you in any way but you have been so kind to me irrespective of me being a stranger. Please help me talk to your family or probably your husband that i need you people assistant. People i never thought would assist me did that during my Dad’s funeral and and i borrowed little money to add up with the one i have to make the burial successful as the first son. Please am begging you with what you hold secret. I need you help now than ever and i don’t have who to run to. I need a loan of $300 so i can put things in other and pay few debts and take my younger once along with me. They can manage them self even if my house is not that big enough. I feel so ashamed of myself asking for help from you but i don’t have a choice because if things were moving fine for me i won’t have ask for any help from you.

 Commentary: By now I was firmly hooked, so I lent him $300. Notice that he asked to speak with my husband, figuring he might be an easier mark. I didn’t mention this to my husband, which left me feeling uneasy and dishonest. C and I spent a couple of months talking about how he could repay it. In the end, I forgave the loan. During July, he tried to get me to help set up an account at Amazon Mechanical Turk (MTurk), a crowdsourcing marketplace. Since I already had an Amazon account linked to my email address, it wasn’t possible. This was actually a trial run to see how far I would go using dubious means to promote his interests. I’m relieved it didn’t work, although even unsuccessful attempts served to further cement the relationship.

Direct gifts of money aren’t the only payoff for scammers. Setting up fraudulent accounts and campaigns like GoFundMe with the scammer as beneficiary are equally lucrative and, as in my case, don’t trip alarms as readily. Continue reading “I Survived a Nigerian Scam. Part II: Raising the Stakes”…

I Survived a Nigerian Scam. Part I: Setting the Hook

personby Deborah J. Ross
schedulePosted on

I don’t consider myself naïve about scams. I know to never give out any my bank or credit card numbers, Social Security number, or date of birth to anyone who phones me out of the blue. In fact, when I am in a cranky mood, I might lecture the caller about how what they’re doing is fraud. I read articles about romance, grandkid-in-jail, phony arrest warrants, and other scams. As 2021 drew to a close I realized that I had fallen into a scam I hadn’t heard of: befriending a person on social media and then inducing them to set up a GoFundMe for a medical emergency. Fortunately, I came to my senses before I sent any money from that campaign. Until then, it had never occurred to me that I had been manipulated over a year and a half. As embarrassing as the experience was for me, I’m going public in the interests of educating others.

It all began in July 2020 with a Facebook Friend request from a young man in Nigeria. I didn’t believe that all Nigerians were scammers. Some very fine science fiction writers are Nigerian Americans. I accepted his request. Here’s his response.

 C (the Nigerian): Where are you from? I’m from West Africa. Nigeria precisely! I know not every white lady likes comunicating with a black man  and i hope in your own case it’s different. I have had couple of friends here on fb and when ever i tell them i come from Africa and Nigeria they see you as an asshole and stop talking to you because am black and i come from Africa. I still have good white friends that has influence me positively and i respect them so much. I wish every white lady out there can see things the way you do.

Commentary: From the first, C tackled the issue of Nigerian scammers and put me on the defensive about his race. On face value, this seemed to be reassurance that he is not a scammer. In actuality, he was fishing for a response of, “I’m not racist, so I will trust you.” Then he added another layer of what an admirable person he is. This will be a recurring them. He used praise as a manipulative tool.

Over the next couple of months, C sent messages like these:

8/3/20, 10:59 am. You stopped writing

8/16/20, 2:29 pm. Hello

9/2020: Things are really deficult for i and my family right now and i was thinking about starting a frozen food bussinss here but i don’t have the capital to start with. I discussed it with a friend in the US and he said he was going to help me. So, he helped in set up a gofundme campaign and here is the link. He’s name is M a very good friend of mine i met on fb.

C: Life over here in Nigeria is really not easy. I’m a graduate of civil engineering but ever since i finished school no firm wants to hire me for my service. It is more political over here searching for a job because jobs are only given to relatives, family members and well wishes. If you don’t have someone who has connection to help you, getting a job becomes difficult.

 Commentary: First, C demanded my attention. He elicited reassurance as well as the commitment of my timely responses. Then he segued into how hard life is for him, what an admirable person he is, and how an American friend is trying to help him. (This was one of C’s tactics to convince me that it was okay to act on C’s behalf because others have done it.) This GoFundMe ended before reaching its goal.

 Later in September, 2020, came the first request for money. Continue reading “I Survived a Nigerian Scam. Part I: Setting the Hook”…

I Survived a Nigerian Scam Part III: Disaster Mode

personby Deborah J. Ross
schedulePosted on

As 2021 drew to a close I realized that I had fallen into a scam I hadn’t heard of: befriending a person on social media and then inducing them to set up a GoFundMe for a medical emergency. Fortunately, I came to my senses before I sent any money from that campaign. Until then, it had never occurred to me that I had been manipulated over a year and a half. As embarrassing as the experience was for me, I’m going public in the interests of educating others.

 

Donations to the GoFundMe I had set up for C’s sister came in as I promoted it on social media and directly to friends and family. C ramped up his emotional manipulation and shifted to urgent/disaster mode.

C: Dec 3, 2021, 10:57 am. The doctor called today and  i went to see him. He said he’s going to help talk to the financial department to allow us pay part payment so they can schedule S’s surgery but he said the surgery will likely be January because of the Xmas break and that there are many patient awaiting sugary who has completed all payments. So he asked me how much we have to make deposit and i told him and he said the financial department will only accept a part payment of $7000 and we should make available the balance before the surgery will be carried out

C: The reason why he gave the suggestion is because he said if we make available the full payment Sarah must have to wait because other patients have already been scheduled for surgery and it might take a little bit long. He said it is better we have a date fix for the surgery why will raise funds instead of raising the full payment and still wait for the hospital to fix a date for the surgery

Commentary: C sent a phone photo of a one-page statement with a flat fee for dialysis and surgery. That struck me as odd, given the itemization by American hospitals. The other dubious thing was that the statement was signed by the nephrologist. Do Nigerian doctors handle hospital financial arrangements? And what hospital closes for the Christmas break? I wasn’t yet suspicious enough to try to verify details with an internet search. When I did that, I was unable to find the hospital (the name was a for-profit chain, but I didn’t see this specific location or specialty). The nephrologist was a real person who practiced in India. I found no mention of S in the entering classes of her medical school.

What happened next was indeed fortunate. In the midst of C’s increasingly frequent and importunate pleas, Western Union declined to process the transfer twice. I went through two phone interviews, since apparently they flag all transfers to Nigeria, and as I answered, I could see the warnings go up, one after another. C began urging me to send the money through another, cash-based service, but I had to wait for Western Union to refund the money to my account. Then, almost by happenstance, I spoke with the manager and one of the tellers at my local bank. I do mean, “local.” We’re a close-knit community, and I’m on a first-name basis with the manager. The teller, upon hearing the situation, got very emotional about it being a scam. It turned out that a relative of hers had lost hundreds of thousands of dollars to a romance scam. I wasn’t thrilled with her warnings, but her words caused me to step back and ask myself, “What if this really is a scam?”

Once I started questioning, the red flags went up everywhere. Most of them are mentioned above in my comments. What clinched it was this email from C: Continue reading “I Survived a Nigerian Scam Part III: Disaster Mode”…

I Survived a Nigerian Scam. Part II: Raising the Stakes

personby Deborah J. Ross
schedulePosted on

As 2021 drew to a close I realized that I had fallen into a scam I hadn’t heard of: befriending a person on social media and then inducing them to set up a GoFundMe for a medical emergency.

 

Fortunately, I came to my senses before I sent any money from that campaign. Until then, it had never occurred to me that I had been manipulated over a year and a half. As embarrassing as the experience was for me, I’m going public in the interests of educating others.

 

In April, 2021, C, the Nigerian, was back with another tragic tale.

C: i was called earlier today that my Dad was not feeling fine and his in the hospital.  Will be traveling tomorrow to P– to see how’s doing.

C: My heart is so heavy and i weep. Today life has brought me the greatest shock of my life and has left a wound in my heart. Why is life so unfair to me, why will i keep losing the once i love the most even in the face of untold hardship. I arrived P– after 4 hours trip and gotten to the hospital i found out that the only thing that ever made sense and mean the world to me was no more and the reality of my present has left me with a broken heart and broken spirit. I lost my Dad today Deborah

C: Please i know am only your friend on fb and in a matter of fact i am not related to you in any way but you have been so kind to me irrespective of me being a stranger. Please help me talk to your family or probably your husband that i need you people assistant. People i never thought would assist me did that during my Dad’s funeral and and i borrowed little money to add up with the one i have to make the burial successful as the first son. Please am begging you with what you hold secret. I need you help now than ever and i don’t have who to run to. I need a loan of $300 so i can put things in other and pay few debts and take my younger once along with me. They can manage them self even if my house is not that big enough. I feel so ashamed of myself asking for help from you but i don’t have a choice because if things were moving fine for me i won’t have ask for any help from you.

Commentary: By now I was firmly hooked, so I lent him $300. Notice that he asked to speak with my husband, figuring he might be an easier mark. I didn’t mention this to my husband, which left me feeling uneasy and dishonest. C and I spent a couple of months talking about how he could repay it. In the end, I forgave the loan. During July, he tried to get me to help set up an account at Amazon Mechanical Turk (MTurk) is a crowdsourcing marketplace. Since I already had an Amazon account linked to my email address, it wasn’t possible. This was actually a trial run to see how far I would go using dubious means to promote his interests. I’m relieved it didn’t work, although even unsuccessful attempts serve to further cement the relationship.

Direct gifts of money aren’t the only payoff for scammers. Setting up fraudulent accounts and campaigns like GoFundMe with the scammer as beneficiary are equally lucrative and, as in my case, don’t trip alarms as readily.

C’s requests were coming at about monthly intervals. No sooner had I forgiven the loan (July 2021) than this arrived: Continue reading “I Survived a Nigerian Scam. Part II: Raising the Stakes”…

I Survived a Nigerian Scam. Part I: Setting the Hook

personby Deborah J. Ross
schedulePosted on

I don’t consider myself naïve about scams. I know to never give out any my bank or credit card numbers, Social Security number, or date of birth to anyone who phones me out of the blue. In fact, when I am in a cranky mood, I might lecture the caller about how what they’re doing is fraud. I read articles about romance, grandkid-in-jail, phony arrest warrants, and other scams. As 2021 drew to a close I realized that I had fallen into a scam I hadn’t heard of: befriending a person on social media and then inducing them to set up a GoFundMe for a medical emergency. Fortunately, I came to my senses before I sent any money from that campaign. Until then, it had never occurred to me that I had been manipulated over a year and a half. As embarrassing as the experience was for me, I’m going public in the interests of educating others.

It all began in July 2020 with a Facebook Friend request from a young man in Nigeria. I didn’t believe that all Nigerians were scammers. Some very fine science fiction writers are Nigerian Americans. I accepted his request. Here’s his response.

C (the Nigerian): Where are you from? I’m from West Africa. Nigeria precisely! I know not every white lady likes comunicating with a black man  and i hope in your own case it’s different. I have had couple of friends here on fb and when ever i tell them i come from Africa and Nigeria they see you as an asshole and stop talking to you because am black and i come from Africa. I still have good white friends that has influence me positively and i respect them so much. I wish every white lady out there can see things the way you do.

Commentary: From the first, C tackled the issue of Nigerian scammers and put me on the defensive about his race. On face value, this seemed to be reassurance that he is not a scammer. In actuality, he was fishing for a response of, “I’m not racist, so I will trust you.” Then he added another layer of what an admirable person he is. This will be a recurring them. He used praise as a manipulative tool.

Over the next couple of months, C sent messages like these:

8/3/20, 10:59 am. You stopped writing

8/16/20, 2:29 pm. Hello

9/2020: Things are really deficult for i and my family right now and i was thinking about starting a frozen food bussinss here but i don’t have the capital to start with. I discussed it with a friend in the US and he said he was going to help me. So, he helped in set up a gofundme campaign and here is the link. He’s name is M a very good friend of mine i met on fb.

C: Life over here in Nigeria is really not easy. I’m a graduate of civil engineering but ever since i finished school no firm wants to hire me for my service. It is more political over here searching for a job because jobs are only given to relatives, family members and well wishes. If you don’t have someone who has connection to help you, getting a job becomes difficult.

Commentary: First, C demanded my attention. He elicited reassurance as well as the commitment of my timely responses. Then he segued into how hard life is for him, what an admirable person he is, and how an American friend is trying to help him. (This was one of C’s tactics to convince me that it was okay to act on C’s behalf because others have done it.) This GoFundMe ended before reaching its goal.

Later in September, 2020, came the first request for money. Continue reading “I Survived a Nigerian Scam. Part I: Setting the Hook”…