OCC-Imposter Scam Example

The scam email below is a copy of an actual email that a member of the public received and then forwarded to the Office of the Comptroller of the Currency (OCC). This fake message is designed to trick the recipient into revealing sensitive information. In this case, the recipient did not respond to the email. OCC-imposter emails often use legitimate looking seals or other organization-specific information, including actual department names or individual employee names to gain the recipient's trust. The messages frequently include urgent requests, and suspicious links or attachments. They may also contain grammatical errors or unusual sender addresses, which provide clues to the sender’s intentions.

Dear [NAME REDACTED],

We have received telex instructions from the Reserve Bank, External Debt Conversion Committee, and Department of Treasury, bearing Release Code No: USA/HJ/744-NZ37X/157842, directing us to notify you regarding your outstanding payment.

By the authority vested in the Office of the Comptroller of the Currency (OCC), we are mandated to release your approved credit value with immediate effect. This payment will be facilitated through our Electronic Payment System, which enables beneficiaries to access funds online using a digital device, such as a smartphone or computer, via the National Bank International Clearing House.

The National Bank International Clearing House irrevocably and unconditionally guarantees the execution of this payment in accordance with the statutory provisions outlined in Schedule C of 2025. However, pursuant to the regulations of the External Debt Conversion Committee and the Department of Treasury, the OCC International Clearing House shall not be liable for delays or consequences beyond its control if the beneficiary fails to promptly contact our fiduciary agent, [NAME REDACTED], at our offshore fund release center in Canada. Please reach out to [NAME REDACTED] via WhatsApp at +1-416-273-0888 to reconfirm your information and obtain the A-100 Release Code for your payment. Any liability incurred by the OCC is hereby limited to the extent permitted by law.

To process your fund release of USD 12,500,000.00, please provide your personal information to enable the setup of your E-Transfer Online Access Account. This account will allow you to verify the availability of your funds and initiate a transfer to your designated bank account.

This electronic payment system has been implemented to ensure transparency and accountability, which are critical for the efficient functioning of a modern economy and for fostering the financial well-being of our valued customers.

Kindly include your mobile phone number to facilitate communication via WhatsApp.

We look forward to your prompt response to expedite the release of your funds.

Sincerely,
[NAME REDACTED]
Executive Assistant to the Comptroller of the Currency
Office of the Comptroller of the Currency
Office Hours: Monday to Friday, 8:00 AM to 5:00 PM