HDB Financial Services — Credit card Fraud on name of Policy purchase and Personal loan on that policy

Hi,

Incident date: August 25, 2020
Time of incident: Around 11.25 AM

There are two people Named Bhupinder singh and Abhishek from HDB finance or claimed to be from HDB finance.

I was looking for personal loan online so i got call from Abhishek (Mob [protected]) and told me, HDB finance offering laon on zero percent, which is not possible so i asked how come zero percent then he explained.

whatever amount you want as Loan, you have to purchase policy of 10% of your desired Loan amount and you have to re-new it for 10 years on years basis and HDB finance will get surrender amount of policy when get matured.

I thought it's win-win as bank will get their interest as surrender value and i somehow got convinced to buy that policy of 1 Lac rupees as I was planning to take loan of 10 lac.

and i was told that, once i purchase Policy i.e LIC policy, i will get policy bond delivered on my current address within 3-4 working days and once bond is received let us know, someone from HDB finance will visit you and will morgue policy and collect documents and you will get loan of 10 lac within 7 working days.

if i didn't get as promised then i can cancel policy within 30 days of purchasing it and you will get full refund of full amount within 48 hrs.

unfortunately it was all seems okay that time and i got trapped.

they asked me what is payment mode, either you can pay from debit card which you can directly pay to LIC of india payment merchant site or in case of credit card you need to pay via CMS finances payment gateway which is payment partner for LIC, even i have checked this on google and CMS seems legit company and they also shared IRDA no. of CMS company on queries and again i was convinced.

so i have been in touch with Bhupinder (Played Senior role, Mob- [protected], [protected], EMail : - [protected]@hdfs.in, [protected]@gmail.com)and ABhishek (played Junior role) constantly.

So i have made transaction using my credit card sum of one lac rupees and i got email from mail id - [protected]@licindia.in, once i saw email i got suspicious as I know LIC has domain "LIC.COM", also there is spelling mistake in email so i have asked for more proof of their identity and they have send me Aadhar, PAN and i have also asked to email me from official mail id of HDB finance so they did but again it has domain - ".IN" instead of ".COM" so i have asked them to video call me so i can match their face with ID they have sent but they didn't video call and made some excuses like it's not allowed in office.
i told them offices are closed so they told me Mahalaxmi branch of Mumbai is open and he is there so i googled and that branch was closed that day.

so i rushed to HDFC bank helpline no. to revoke that transaction on my credit card but due to COVID19 situation helpline options are so limited and it took me 2 hrs to somehow got connected to HDFC person and i have narrated whole incident to him and he raised dispute on my card.

also i have asked those Abhishek and Bhupinder to cancel my policy purchase and refund amount so they asked reason and said ok will cancel.
again they send that faulty email from "licindia.in"

and they promises that i will get my refund in 24 hrs, and i have raised this to my credit card bank so that's all i have in mind that i can that time.

then after 24 hrs, i didn't get refund i called AbhishekBhupinder back so they told me that my policy login didn't happened so cancel request didn't get accepted so they will login my file first and then they can cancel so i will get my money back in 7 days as it will take time.

I have calledtexted them many time but after 1-2 days they started to avoiding my calls which is still stands as they are not responding my call or texts.

I have also went to nearest police station to file FIR but it is cyber crime so they didn't register and asked to visit cyber crime office.

so i have checked online and i have filed online cyber crime incident (Incident ACK no.- [protected]).

Please check attachments where i have attached everything i have related to incident, HDB ID's are claimed one from Bhupinder and other from his boss.

and please help me get my one lac rupees back and take action against those criminal who is looting normal people's hard earned money.

thank you very much.