MetLife — Application no[protected] Fraud sale

PNB Metlife

I was approached on December 14, 2020 by a person named Alok Yadav (posing as an LIC employee) informing me about a huge bonus amount pending unclaimed in my LIC policy account. He told me that I have to obtain a policy management number to be able to claim that amount, otherwise the same shall be transferred to my LIC agent's (with whom I have no contact since 2017) account since he at the time of applying for my policy entered himself as my relative and entered his management number in my documents.

This Alok Yadav then raised a complaint against my past agent (which he claimed, after some acting skills) & provided me a complaint file number & then transferred my call to one Manish Pandey (posing as 2nd LIC employee from accounts & payment department, mobile [protected]).

Manish Pandey, further repeated the same story about the bonus amount & how I can claim it. He told me that I can obtain that management number from IRDA if I directly purchase any policy from any other Insurance company without any help from any agent. Also, I can't buy another LIC policy because the system will by default obtain my ex LIC agent's management number for the new policy (since I am an existing customer). So he insisted that I should search & choose any company & then buy a policy saying that I need that policy for tax saving purposes. Once I pay the application fee, I will get an application number & transaction number. These numbers will serve the purpose of holding my bonus amount of LIC from the time being & then once I get the bond copy of my new policy I will intimate the newly obtained policy management number to LIC & receive the bonus amount in my account in 25-30 days.

Further, he started suggesting me some Insurance company names (PNB Metlife was one of them) & since both him & the first guy Alok knew some basic information about my LIC policy I couldn't suspect their true intentions. After disconnecting the phone I received a call from some Mr. Vinay (posing as PNB Metlife employee, not any agent, mobile no. [protected]) & he told me that he found my contact number from a request made on PNB Metlife's website.

He started talking to me and explained one policy named "Guaranteed Money Back scheme" for which he told me all terms & conditions & told me its best for Tax saving purpose & is short term. As per him it's a 12 year policy for which I have to pay 30, 000 Rs annually. After a long explanation he told me to apply on PNB's website (https://www.pnbmetlife.com) and make the payment of Rs. 30, 000.

I didn't suspect him yet since I was making direct payment on the website of PNB Metife & not in any personal account. After making payment I received an acknowledgement letter on my email id (attached herewith).

So after making payment this Vinay told me that one person will visit my house & take my signed physical documents. First of all, I received a call from the LIC guys (who talked with me earlier) asking me if I purchased the policy or not. When I told them I had purchased it, they already knew it was a PNB Metlife policy. Plus they asked me the application number (which I told them & for which I have attached the recordings with this e-mail) & were very interested in my new policy & advised me to close it as soon as I receive my policy management number via PNB bond.

Meanwhile, I got a call from this guy who told me that he is a Company appointed documents pick up guy (mob no[protected] & he wants to visit me (for this purpose I already shared my house & office address with Vinay before) but then he started asking me if I am happy with policy or not. If I have any doubt or concern regarding policy sold by Vinay. I asked him why he is asking such questions & he told me that he is just asking generally as sometimes these PNB metlife people sell some fraud policies or tell wrong information to customers & then he has to suffer when he goes to fetch the documents physically.

I was shocked & terrified after hearing such a thing and then started investigating everything with the help of a friend who is also a policyholder in LIC & has the same policy as me. It took me a whole night of anxiety & sleeplessness to understand what actually happened with me.

I am writing this e-mail to you the next morning of all this incident (first call I received was on Monday afternoon) & today also since morning I am getting various calls from the supposed document pick up guy & the fake PNB Metlife employee who made me make a payment of Rs. 30, 000 yesterday.

I am deeply hurt & suffering from anxiety since last night & not in a good condition. I called your helpline today morning & they assured me that since my documents are not yet received the application is not yet processed. Also, he told me to write this e-mail & also contact some authorities in LIC too since it looks like a fraud.

Kindly help me & cancel this application number. Also, arrange for refunding my money because it's not about the policy or the Company image, it's about my mental health & loss of time & efforts I suffered since yesterday. Also, I want you to investigate this guy Vinay along with his accomplices who are fooling innocent people with their hard earned money.

Please help