https://www.realclearinvestigations...rse_news_youre_in_phony_debt_813226.html

sample quote

People over 60 are prime targets because they are more likely to answer their phone and respond to emails that may not look like spam.
...snip... “They [thieves] have one-eighth of one-thousandth of a chance of getting arrested,” Lee adds. “Only 20 people have actually been convicted in the last 18 months. Bad guys have more access to information than they’ve ever had before.”

When this type of email comes through I look at the raw header info. Yup, American Express now has customer service based in Nigeria.

I don't owe anybody anything so I know it's BS.