On 15th February 2022, after seeing good reviews first I downloaded KOKO Loan app from Google Playstore. Company name is Navcarry Tech Private Limited. After logging in I was asked to complete a certification in order to be eligible for Loan of Rs 8000. I uploaded my Aadhar and PAN card, 2 reference numbers, my work place details, bank account number and IFSC code etc, which are usually needed in every loan checking process. After completing the certification it showed that it is in query . On next day I saw that it is showing a due amount of Rs 8000 which I have to repay within 6 days. Then I saw that my bank account got credited with an amount of Rs 4640. First I was confused and didn't knew that they have sent me the money as I was not informed. No messages, No official mails, nothing. Then they stated messaging me in Whatsapp and calling me. I also tried to contact them through the only mail ID that is given in the contact us section which is also fake. They are threatening me that if I don't pay in time then they will call and messages me and my contacts as they have hacked it also. They will send my ID proof photos and will try to defame me by writing bad things. They are giving slang and using fowl languages. When I asked them for any loan agreement, any sanction letter, any consent signed by me, loan interest, tenure etc, they can't provide me anything. They only want their repayment. They have my contacts which they will use harass me and my contacts. They are not a RBI registered NBFC. Later on I came to know that internet and youtube is full of their scam reports which I was not aware of. Just search KOKO Loan or Nacarry Tech Private Limited. They are Fraud. They are doing a scam here. No NBFC, Bank or financial company will provide credit or loan for less than a month or 90 days tenure. They are demanding for Rs 8000 against a disbursed amount of Rs 4640 for a tenure of less than a week. Tomorrow they might send 2 rupee without permission and will demand 2 lakh. They are not doing anything legally or officially. They are only operating through phone call and Whatsapp. I have already filed a case against them in Cyber Crime Department and local PS also. Please help me. A scam is going on with me.
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