Hey, You're lucky.
I get at least one of those a day- Paypal, my ISP, my web site provider, various common banks, etc. Usually, I can tell because the creeps don't know how to spell, or the fact that I don't have an acct with Bank America or Merrill Lynch. Once or twice I had to call the company using my original ph # on my statements- NOT the ph# in the e-mail. To put this in perspective, I should admit that I receive over 100 e-mail perday with 30% spam, and that is with a firewall!! F