Bank Deposit

[pandainamerica 6]

I don't get how it's dangerous to give people your account no. How are they supposed to transfer you money without it? On every bill I receive it states the banking details of where I have to transfer what's due.

In american bank accounts, anyone with your routing and account number can technically ACH money out of your account. Large Corporations have special 'sweep accounts' and ACH hold controls to prohibit unauthorized ACH pulls, but as far as I know these special accounts are only available to corporations and not to individuals.

[Neldreemz 13]

I am so sorry you are feeling this way after all the waiting. I completely sympathize. Only thing I can say is stay strong in your decision to decline to help. If he wants a tranfer of funds his sister open an account in Nigeria. Any Nigerian resident with ID can open one for 100 naira. Those ppl who you dont know can deposit the money in her personal account not yours. This a scam and very widely known for scammers in Vietnam and Malaysia to xfer these usually stolen funds. Why would your husband want you involved in this even if the chance was 1 % that this could cause you legal trouble or possible prison time for your involvement? Why cant yous simply say no without a heated argument? Just remind him its not him you dont trust but his sister's associates. Just please stay away from this thing. And if your husband persists, I dont want to pass judgment on him but from now on I would watch him very closely and pay attention to everything he does and says just to be certain he is who he really says he is. Again so sorry you have to be dealing with this when you should just be in love and happy he is nearly home with you!

[Queen2myKing 5]

I know the reason he is in need of the money is true, he it trying to get the money for his airplane ticket to the US. During our conversation I gave him the option of having a money order sent to the house. He then explained the person who is trying to send money is not in the US so I told him to send the money to Nigeria via Western Union. I'm my opinion that's when things became heated (I was getting ready for work, I'm not a morning person and I hadn't had my coffee). He said the people would like to send it to my bank account. I never found out how they were going to send it because I knew I was not going to give any of my bank account information. He asked me if I trust him, I do. I Dont trust or know the people making the deposit. I also totally agree the money can be deposited into his Nigerian bank account or his sister's bank account if she has one. There is no reason for me to be involved. Since our discussion become so heated and he seemed as if he didn't understand my reason for my decision he is aware when his is in the US we will not have joint bank accounts. My heart is heavy over this. That's for sure.

Hmmm, I thought I removed the quote. I'm still learning how to use that. Lol

[livindadream 156]

The saddest part of all this is that I noticed you are so close to your interview date and should be head over heels knowing he would be home with you soon. I have to tell you, my husband is Nigerian and we have been living together for almost 6 years here in Ghana together. I have SEEN and HEARD just about everything I ever wish to see or hear about what some people are capable of doing to another for money. Its a hard life here, just like in Nigeria (I've been there twice as well). A lot of men and women will do criminal things here to earn money to eat or provide for their families. I feel bad for them, but at the same time they are preying on my own country men and women when they do it. Before we had internet in our house, we used to go to an internet café a lot to talk to people back home. I saw the lengths to which a young man would go to, and they were so used to seeing me in there, that I guess it didn't phase them or make them want to hide the fact that they were pretending to be a female talking to an American man who was on their computer screen doing some "really gross things"....in front of this young man, and not the hot girl they thought they were talking to.

My point is, this request your husband is asking of you, is classic scam 101. Someone is stealing money from someone's account and wanting to send it to yours (a wire transfer)....OR someone is scamming someone out of their money and in order to make the scam look legit, they are asking the person to wire the money to an American bank account. Sending the money to Nigeria whether it is thru moneygram/ western union or to a Nigerian bank account would never fit into the "story". I'm not saying your husband is the ring leader, but perhaps someone has come to him and said "hey, we know you have a wife in America, if you do this...we will give you a percentage of it". People have pulled my husband to the side on numerous occasions and tried to ask the same thing. He just tells them "no no no". He would NEVER put me in that position not to talk of getting mad at me if I said no.

I understand your husbands frustration, there is money dangling over his head if he can just do this one thing....and that would mean he'd have the money to buy the ticket to come there. But if there is real love there for you, he would NEVER put you in that position. That is something that you really want to take into consideration before you proceed with anything else. At the VERY least, he shouldn't be concocting a story about people owing his sister money, yada yada yada. If he'd lie to you about that, form up a big story about it, risk putting you in jeopardy AND making you feel bad for not giving in, then is this the person you want to spend the rest of your life with?

Edited May 23, 2015 by AYOsGirl

[solmart 5]

The saddest part of all this is that I noticed you are so close to your interview date and should be head over heels knowing he would be home with you soon. I have to tell you, my husband is Nigerian and we have been living together for almost 6 years here in Ghana together. I have SEEN and HEARD just about everything I ever wish to see or hear about what some people are capable of doing to another for money. Its a hard life here, just like in Nigeria (I've been there twice as well). A lot of men and women will do criminal things here to earn money to eat or provide for their families. I feel bad for them, but at the same time they are preying on my own country men and women when they do it. Before we had internet in our house, we used to go to an internet café a lot to talk to people back home. I saw the lengths to which a young man would go to, and they were so used to seeing me in there, that I guess it didn't phase them or make them want to hide the fact that they were pretending to be a female talking to an American man who was on their computer screen doing some "really gross things"....in front of this young man, and not the hot girl they thought they were talking to.

My point is, this request your husband is asking of you, is classic scam 101. Someone is stealing money from someone's account and wanting to send it to yours (a wire transfer)....OR someone is scamming someone out of their money and in order to make the scam look legit, they are asking the person to wire the money to an American bank account. Sending the money to Nigeria whether it is thru moneygram/ western union or to a Nigerian bank account would never fit into the "story". I'm not saying your husband is the ring leader, but perhaps someone has come to him and said "hey, we know you have a wife in America, if you do this...we will give you a percentage of it". People have pulled my husband to the side on numerous occasions and tried to ask the same thing. He just tells them "no no no". He would NEVER put me in that position not to talk of getting mad at me if I said no.

I understand your husbands frustration, there is money dangling over his head if he can just do this one thing....and that would mean he'd have the money to buy the ticket to come there. But if there is real love there for you, he would NEVER put you in that position. That is something that you really want to take into consideration before you proceed with anything else. At the VERY least, he shouldn't be concocting a story about people owing his sister money, yada yada yada. If he'd lie to you about that, form up a big story about it, risk putting you in jeopardy AND making you feel bad for not giving in, then is this the person you want to spend the rest of your life with?

Uv said it all

[aaron2020 11,651]

AYOsGirl hit the nail right on the head.

Why can't he have the money sent to Nigeria? Because scammers needs to use an innocent person like the OP to steal other people's money. When you take the money out and had it to the scammers in Nigeria, you will be on the hook for returning the money. You will be part of a series of crimes.

If the money is sent to him, he is on the hook for the crimes.

If the money is sent to the OP, then she is on the hook for the crimes and reimbursement.

The husband needs to understand that the Nigerian scams have severe consequences in America.

[Marvo 8]

AYOsGIRL is right and I couldn't have said any better. There should be no reason for anyone to transfer money into your account. A Nigerian bank account is good enough (if his story is true).

[Marvo 8]

too late to edit

Honest opinion: I am 100% certain it is a scam. Having spent a considerable amount of time in Nigeria has given me detailed understanding of how local Nigerians think. The story is overly complicated for no reason (Nigerians tend to believe that Americans are stupid). I have known people in Nigeria who claimed to be my friend and talked about coming to my hotel room and robbing me right in front of my face when they thought I didn't understand the native language.

As a husband myself, I would never involve my wife in something like this. I have known people who have gone to jail in the USA for these scams and they never involved their wife.

Be very careful and do not give your account. See if he is willing to let it go (a real man would) and continue to keep an eye on him. I hope I did not offend you and if I did I apologize.

Edited May 23, 2015 by blakpanther25

[Queen2myKing 5]

Almost everyone has given their opinion in a respectful way. I have not been offended by any of the comments. I have read every comment and my hope is that he will read each comment as well. Thanks again y'all.

[Neldreemz 13]

The saddest part of all this is that I noticed you are so close to your interview date and should be head over heels knowing he would be home with you soon. I have to tell you, my husband is Nigerian and we have been living together for almost 6 years here in Ghana together. I have SEEN and HEARD just about everything I ever wish to see or hear about what some people are capable of doing to another for money. Its a hard life here, just like in Nigeria (I've been there twice as well). A lot of men and women will do criminal things here to earn money to eat or provide for their families. I feel bad for them, but at the same time they are preying on my own country men and women when they do it. Before we had internet in our house, we used to go to an internet café a lot to talk to people back home. I saw the lengths to which a young man would go to, and they were so used to seeing me in there, that I guess it didn't phase them or make them want to hide the fact that they were pretending to be a female talking to an American man who was on their computer screen doing some "really gross things"....in front of this young man, and not the hot girl they thought they were talking to.

My point is, this request your husband is asking of you, is classic scam 101. Someone is stealing money from someone's account and wanting to send it to yours (a wire transfer)....OR someone is scamming someone out of their money and in order to make the scam look legit, they are asking the person to wire the money to an American bank account. Sending the money to Nigeria whether it is thru moneygram/ western union or to a Nigerian bank account would never fit into the "story". I'm not saying your husband is the ring leader, but perhaps someone has come to him and said "hey, we know you have a wife in America, if you do this...we will give you a percentage of it". People have pulled my husband to the side on numerous occasions and tried to ask the same thing. He just tells them "no no no". He would NEVER put me in that position not to talk of getting mad at me if I said no.

I understand your husbands frustration, there is money dangling over his head if he can just do this one thing....and that would mean he'd have the money to buy the ticket to come there. But if there is real love there for you, he would NEVER put you in that position. That is something that you really want to take into consideration before you proceed with anything else. At the VERY least, he shouldn't be concocting a story about people owing his sister money, yada yada yada. If he'd lie to you about that, form up a big story about it, risk putting you in jeopardy AND making you feel bad for not giving in, then is this the person you want to spend the rest of your life with?

I second everything AYOsGirl is saying bc my husband has also been propositioned with this similar scam. As soon as the "hood" learns he is married to an American citizen, all kinds of request from random ppl requesting US bank info to wire funds to.. in hopes to get this money brought into Nigeria by unsuspecting person, with no link to the real criminal. They think that there is no harm because even if the US bank account holder were to get in legal problems behind this, they believe the bank holder can just fall back on complete deniability and avoid prison time, since they are unaware of the true nature of how the stolen funds were aquired. They care nothing of the legal repercussions and cost to all victims involved to clear their name. Please think very hard about this. I spoke with my husband about this and his response was in his Nigerian voice a big "AHAH" and some words in Yoruba. I asked him to translate and he said he wont but if he was ever chanced to say these words to your husband that your husband will curse him out and be looking for blood. His advice and mine is get to know this man better before you proceed.

[Ebunoluwa 6,136]

This is a scam and I am suspecting your husband to have a very willing part in it, full well knowing it is a scam and you are being

used as a money mule. Huge red flag.

They are laundering stolen funds and will also try to hack your account.

There is no reason whatsoever for your bank account to be involved for a legit transfer to Nigeria from wherever. None.

Rethink bringing him here.

I would not trust him with any bank accounts or credit cards if he makes it here.

Many get involved in all kind of crazy scams once here also...it just won't stop here.

I am so sorry this is happening to you !

[MrsBeaver 21]

I am sorry to hear about your situation. I asked my husband and he explained that is definitly a scam. The very process you descirbe is all scam. He also stated, your husband knows this is a scam and is wrong for placing you in the middle of this. I know a woman this has happen to, her husband did the exact same thing needless to say the FBI showed up at her home. She sent her husband over 10k and she kept 5k. Someone had to take her children, while she spent about a month in federal holding. She is still trying to deal with, but has forgiven her husband. My advice don't do it and definitly quesiton him on every single thing. To be honest how can you trust him when in your heart you know the truth. Let's give him the benefit of doubt, maybe by some odd reason he is clueless (I doubt it), then he really has no right to be mad or upset with you. He should understand and figure it out on his own. Hopefully, he will read these post and understand he cannot do that to someone he loves!! I wish you all the best..

Edited May 26, 2015 by MrsBeaver

[Queen2myKing 5]

Hello everyone. I spoke to my husband. He said he has never done this before and didn't know the consequence. He said something about it being hard for Nigerian's to have international funds deposited into their account without large fees and from my understanding something about domicile (but I could be wrong about the last part) He thought it may be easier and less costly for the money to be deposited into the US account. I explained to him how to navigate Visa Journey so he could see all the comments for this post. He now has a better understanding of what's going on. Thanks for explaining everything. I learned new things myself about the process. You all were very helpful.