Post by Yastreb on Nov 13, 2024 0:17:19 GMT
Some scammers' approaches fully deserve a contrary response.
The scammer's emails are date-stamped; his name has been changed. My comments are in bold.
7 October 2024
Subject: Account Activation Required for ATM Debit Card.
Dear Valued Customer,
Please be advised that your bank account is currently dormant. We recommend that you activate your account to gain access to our products, including ATM debit/credit cards, internet banking, and several other services for your convenience.
The activation process is free of charge; however, it requires you to provide the following information:
AAP (Activation Approval Permit) from the Ghana Commercial Court
NCGC (Non-Citizen Ghana Card) from the National Identification Authority
If you cover the charges for these documents, our staff will assist you in acquiring them without any hindrance.
A valid government ID from your country
Proof of your address
These documents are essential to proceed with the activation.
We strongly urge you to take immediate action to ensure your account remains in good standing. If you have any questions or require assistance with the activation process, please do not hesitate to contact us.
Thank you for your prompt attention to this matter.
Yours sincerely,
Dear Valued Customer,
Please be advised that your bank account is currently dormant. We recommend that you activate your account to gain access to our products, including ATM debit/credit cards, internet banking, and several other services for your convenience.
The activation process is free of charge; however, it requires you to provide the following information:
AAP (Activation Approval Permit) from the Ghana Commercial Court
NCGC (Non-Citizen Ghana Card) from the National Identification Authority
If you cover the charges for these documents, our staff will assist you in acquiring them without any hindrance.
A valid government ID from your country
Proof of your address
These documents are essential to proceed with the activation.
We strongly urge you to take immediate action to ensure your account remains in good standing. If you have any questions or require assistance with the activation process, please do not hesitate to contact us.
Thank you for your prompt attention to this matter.
Yours sincerely,
DR. EDWARD EFFIONG
Chief Executive Officer (CEO)
Fidelity Bank Limited
Chief Executive Officer (CEO)
Fidelity Bank Limited
Believe with us
+233 REDACTED | RIDGE TOWERS 10 AMBASSADORIAL ENCLAVE WEST RIDGE
+233 REDACTED | RIDGE TOWERS 10 AMBASSADORIAL ENCLAVE WEST RIDGE
That wasn't bcc'd, by the way, but sent directly to Captain Mal's account, so I wonder about the "Dear Valued Customer".
Dr Effiong
I don't remember ever opening an account with Fidelity Bank.
Regards
Malcolm Reynolds
I don't remember ever opening an account with Fidelity Bank.
Regards
Malcolm Reynolds
You think I'd remember opening an account with a bank in Ghana!
8 October
Dear Malcolm Reynolds,
Sir, you do have a bank account with us.
Please, kindly, provide your driving licenses and a phone number so that we can send you the statement of your bank account.
Sir, you do have a bank account with us.
Please, kindly, provide your driving licenses and a phone number so that we can send you the statement of your bank account.
Yours sincerely,
DR. EDWARD EFFIONG
DR. EDWARD EFFIONG
Dr Effiong
Not meaning to be contrary, but if I don't remember opening an account with your bank, then it's pretty certain that I don't have an account there.
Regards
Malcolm Reynolds
Not meaning to be contrary, but if I don't remember opening an account with your bank, then it's pretty certain that I don't have an account there.
Regards
Malcolm Reynolds
Logic is lost on Effiong.
I'm sure I'd remember opening an account with [Bank Name]!
10 October
Subject: Account Activation.
Dear Valued Customer,
Activate your bank account and take full advantage of the comprehensive services and products we offer at [Bank Name]. Once your account is activated, you will be able to enjoy the convenience and flexibility of our banking solutions tailored to meet your needs.
However, we would like to inform you that, as per the legal requirements governing non-citizenship account ownership, there is a mandatory government validation process that must be completed before we can activate your account. This step is necessary to ensure compliance with regulations and provide you with secure and lawful access to our banking services.
To fulfill this requirement, you will need to obtain the following essential documents:
AAP (Activation Approval Permit) from the Ghana Commercial Court
NCGC (Non-Citizen Ghana Card) from the National Identification Authority
These documents are a legal prerequisite for non-citizen account holders and are issued in accordance with the financial regulations governing banking institutions. The procurement of these documents is a crucial step, and it ensures that all non-citizens are properly verified and authorized to hold accounts in compliance with local and international banking laws.
The process of acquiring these documents is highly technical and requires formal approval from the Commercial Court, in accordance with the Activation Approval Order law. Once the court grants the necessary approval and the documents are processed, your account will be officially activated.
Following activation, you will have full and unrestricted access to our wide range of banking services and products. These include, but are not limited to, digital banking services, investment options, secure fund transfers, and personalized financial solutions, all designed to provide you with maximum convenience.
We encourage you to initiate this process as soon as possible to start enjoying the benefits of banking with us. Should you need any further clarification or assistance in completing the required steps, please do not hesitate to reach out to our customer support team, who will be happy to guide you through the process.
Thank you for choosing [Bank Name]. We look forward to serving your financial needs and providing you with exceptional banking experiences.
Yours sincerely,
Dear Valued Customer,
Activate your bank account and take full advantage of the comprehensive services and products we offer at [Bank Name]. Once your account is activated, you will be able to enjoy the convenience and flexibility of our banking solutions tailored to meet your needs.
However, we would like to inform you that, as per the legal requirements governing non-citizenship account ownership, there is a mandatory government validation process that must be completed before we can activate your account. This step is necessary to ensure compliance with regulations and provide you with secure and lawful access to our banking services.
To fulfill this requirement, you will need to obtain the following essential documents:
AAP (Activation Approval Permit) from the Ghana Commercial Court
NCGC (Non-Citizen Ghana Card) from the National Identification Authority
These documents are a legal prerequisite for non-citizen account holders and are issued in accordance with the financial regulations governing banking institutions. The procurement of these documents is a crucial step, and it ensures that all non-citizens are properly verified and authorized to hold accounts in compliance with local and international banking laws.
The process of acquiring these documents is highly technical and requires formal approval from the Commercial Court, in accordance with the Activation Approval Order law. Once the court grants the necessary approval and the documents are processed, your account will be officially activated.
Following activation, you will have full and unrestricted access to our wide range of banking services and products. These include, but are not limited to, digital banking services, investment options, secure fund transfers, and personalized financial solutions, all designed to provide you with maximum convenience.
We encourage you to initiate this process as soon as possible to start enjoying the benefits of banking with us. Should you need any further clarification or assistance in completing the required steps, please do not hesitate to reach out to our customer support team, who will be happy to guide you through the process.
Thank you for choosing [Bank Name]. We look forward to serving your financial needs and providing you with exceptional banking experiences.
Yours sincerely,
DR. EDWARD EFFIONG
Dr Effiong
I'm not your valued customer.
I don't have an account with your bank.
That means I don't have an account to activate.
Malcolm Reynolds
Effiong returns a month later with, presumably, the next item on the checklist.
I'm not your valued customer.
I don't have an account with your bank.
That means I don't have an account to activate.
Malcolm Reynolds
Effiong returns a month later with, presumably, the next item on the checklist.
13 November
Re: Account Activation Required for ATM Debit Card
Dear Malcolm Reynolds.
We are reaching out regarding the closure of your bank account due to extended inactivity. Your account with us has remained dormant for an unprecedented period, and in accordance with our policies, we are initiating the process for account closure and transfer of your funds to a designated account of your choice.
To proceed, please designate an external account to which your remaining balance can be securely transferred. Kindly note that unless you intend to retain the account for local transactions, no additional action for reactivation will be required.
However, if you would prefer to maintain this account and resume utilizing our services—such as internet banking, debit card access, and other account-related offerings—please let us know, and we will promptly facilitate reactivation.
For any questions, or if you require assistance with account closure, fund transfer, or reactivation, our dedicated team is available to guide you through each step.
Thank you for your attention to this matter, and we appreciate the opportunity to assist with your banking needs.
Yours sincerely,
DR. EDWARD EFFIONG
We are reaching out regarding the closure of your bank account due to extended inactivity. Your account with us has remained dormant for an unprecedented period, and in accordance with our policies, we are initiating the process for account closure and transfer of your funds to a designated account of your choice.
To proceed, please designate an external account to which your remaining balance can be securely transferred. Kindly note that unless you intend to retain the account for local transactions, no additional action for reactivation will be required.
However, if you would prefer to maintain this account and resume utilizing our services—such as internet banking, debit card access, and other account-related offerings—please let us know, and we will promptly facilitate reactivation.
For any questions, or if you require assistance with account closure, fund transfer, or reactivation, our dedicated team is available to guide you through each step.
Thank you for your attention to this matter, and we appreciate the opportunity to assist with your banking needs.
Yours sincerely,
DR. EDWARD EFFIONG
Mr Effiong
I don't have an account at Fidelity Bank.
I've never had an account at Fidelity Bank.
You can't close an account that doesn't exist and has never existed.
Malcolm Reynolds
I don't have an account at Fidelity Bank.
I've never had an account at Fidelity Bank.
You can't close an account that doesn't exist and has never existed.
Malcolm Reynolds
I wonder what the next stage might be, if there is one...
x 4 (Lagos to Abuja, Nigeria to Ghana, Nigeria to Benin, Ghana to Benin)