I would not consider Fraud. If that is fraud, than I am the biggest fraudster around WHT
Firstly you have to remind that a lot of people use bank accounts from their country of origin.
That is my case. I would never use a Luxembourgish account. Even if they pay me
It is easy to verify this. Just call the person. If the phone does not work but appears to be valid (most likely the phone of that person in the country of origin..(also my case)), try to contact the person by email and sort things out.