We’ve recently come across a scam email pretending to be from Bank of America Corporate Office Headquarters, claiming you’re owed $36.5 million. While the message might look official to some, it’s a complete scam designed to trick victims into sending money. Here’s what you need to know — and why you should never respond to emails like this.
📩 The Bank of America Scam Email
From: Mr.Geoffrey S. [email protected]
Sent: 02 April 2025 14:00
Subject: Bank of America Corporate Office Headquarters
Bank of America Corporate Office Headquarters
100 N.Tryon St Charlotte,NC 28255
Our Ref:BOA/IRU/SFE/15.5/WD/011
United States of America
Dear esteemed customer,
we deem it appropriate to intimate you that your funds will be transferred into Mrs. Audrey Wilson bank account as the true beneficiary of this Fund if you failed to send the required fee, According to the record we got from our payment Office due to your inability to complete the transaction and your failure to meet up with a payment obligation.
The actual transfer of your funds US$36.5 Million into Mrs. Audrey Wilson account comes up next 2 days. because Mrs. Audrey Wilson agreed to pay any fees regarding this transaction.
The United States Insurance Policy fee is mandatory for any transfer of funds here in the USA involving amounts above $1,000,000.00 (One million USD).The amount to be transferred into your account is US $36.5 Million and is far above $1 Million. This is why the $79 fee is required and the fee cannot be deducted from source in accordance with section 3 subsection 2(a) of the Huge Funds Transfer Regulation Act HFTRA of 2001 promulgated by law after the terrorist attack on our dear country.
Meanwhile, note that this is the only fees that you will bear the cost and your approval funds sum of US$36.5 Million (Thirty Six Million Five hundred thousand Dollars) will transfer to you without any delays, and will are doing Auditing, so we want your funds US$36.5 Million to be transferred into your nominated bank account the same day we receive this fees from you.
We are doing banking Auditing, so we advise you to treat as matter of urgency and try as much as possible you can to raise and come up with the fees of $79 dollars for (Fund Legality Certificate and Bulk Money Transfer Permit Certificate) and send it to Bank of America Accountant Officer in Uganda as the funds origin /Cashier Office within 72 hours you receive this email, so that we can transfer your Funds into your bank account before closing for the day, We are doing banking Auditing and all unclaimed fund will be cancel and send back to Mrs. Audrey Wilson account as true beneficiary of this funds.
Note that if you still wish to receive your funds do get back to us immediately so that we will remove your funds transfer from the list of those transactions to be seized by the United States Government. Also be informed that we need only a Fund Legality Certificate and Bulk Money Transfer Permit Certificate to complete the wire transfer.
The fee to obtain the Fund Legality Certificate and Bulk Money Transfer Permit Certificate was reduced from $279 to $79 and no other fee is involved.
You are required to send the fee of $79 by MONEYGRAM to the Bank of America Accountant Officer/Cashier Office where your transaction originated as stated below:
PAYMENT INFORMATION:
Receiver First Name:..
Last Name....
Country: Uganda
City: Kampala
Address: Market Street Kampala Uganda
AMOUNT: $79 USD.
If we receive the MTCN today, we will transfer your funds US$36,500,000.00 (Thirty Six Million Five hundred thousand Dollars) before we close the office and the funds will reflect 3 hours after the transfer.
We will send you all the transfer documents to enable you to start making cash withdrawals from your account the same day the funds are
transferred. We have waited for so long and we cannot continue to wait.
Meanwhile, a woman came to this bank a few days ago with a letter claiming to be your true representative and she agreed to pay the charges. Here is her information below.
Bank of America
2075 S. Victoria Ave, Ventura, CA 93003
Acct. name: Mrs. Audrey Wilson
Type: Checking
Account# 003767127294
Routing # 063100277
Failing to reply to this email and pay the required fee of $79 urgently we shall proceed to issue all payments details to the said Mrs. Audrey Wilson if we do not hear from you within the next 72 hours from today. We are sorry for any inconvenience the delay in transferring of your fund must have caused you.
Thank you for giving us the opportunity to serve your banking needs.
Yours faithfully,
Mr.Geoffrey S. Greener
Corporate Office Headquarters,Charlotte,N.C.
🚩 Why This is a Scam (Red Flags)
- Unsolicited Offer of Millions
If you’ve never applied for, invested in, or inherited a large sum of money — no legitimate institution will email you out of the blue claiming you’re owed $36.5 million. - Use of Free Email Address
The email comes from[email protected], a domain unrelated to Bank of America. Real corporate emails come from official domains like@bankofamerica.com. - Poor Grammar and Spelling
Phrases like “we deem it appropriate to intimate you,” “we are doing Auditing,” and “cancel and send back” are clear signs of a scammer who is not a native English speaker. - Mention of a Third Party (Mrs. Audrey Wilson)
This is a psychological trick — they create urgency by pretending someone else is trying to claim your funds. - Payment Request to Uganda via MoneyGram
Bank of America does not use MoneyGram to process fees, nor do they conduct transfers via Uganda for U.S.-based funds. - Bogus Legal References
The so-called “Huge Funds Transfer Regulation Act HFTRA of 2001” does not exist.
🔐 How to Stay Safe
- NEVER send money to strangers or for “processing fees.”
- NEVER share your banking information with unknown senders.
- REPORT this email to Bank of America’s phishing team and your local cybercrime unit.
- Use a spam filter or security software that blocks phishing and scam messages.
🧠 Final Thoughts
This email is just another version of the infamous “advance-fee fraud” or Nigerian Prince scam — modernized with references to Bank of America and U.S. laws to trick unsuspecting victims. Stay vigilant, spread awareness, and never be tempted by promises of millions out of nowhere.
Have you received a similar scam email? Share it in the comments below and help others stay protected.