Terrorized After Downloading Online Loan Application, Veri AFI Reports to Bogor Police

Kapanlagi.com - Veri AFI recently experienced an unpleasant incident after his personal data was misused by individuals from an online loan service. The incident began when Veri downloaded an online loan application to learn about options for obtaining additional capital for business. Then, during the application registration process, Veri was asked to fill in personal data including a photo of his ID card, facial verification, and bank account number.

"It turns out that to log in or register, they directly ask for a photo of the ID card, facial verification, and bank account number. After completing the registration, the loan limit amount that can be borrowed immediately appears," Veri told the media on Thursday (4/1/2024).

Furthermore, Veri simulated a loan and found a very high interest rate with a tenure of only 7 days. As a result, Veri decided to cancel his intention to apply for a loan.

"After checking, I started to think twice about borrowing because of the very high interest rate and the offered tenure of only 7 days. In short, I did not submit a loan application," he said.

1. Fictitious Bill

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However, Veri's personal data that had entered the application was then copied and used by other online loan applications for extortion. Veri started receiving fictitious bills on December 14th. Initially, Veri thought it was just a regular attempt. But when ignored, individuals from the loan application started sending Veri's ID card photos and face photos.

"I started receiving the first fictitious bill terror on December 14th. Initially, I thought it was just a regular individual's attempt, but when I ignored it, he started sending my ID card photo and face photo data," said Veri.

"That's when I realized how serious this problem is. I asked when the loan was applied for because I have never taken a loan and I am not familiar with that application," added Veri.

2. Pay the Bill

Nevertheless, Veri decided to pay the unauthorized bill to keep his personal data from being spread. However, the next day, similar fictitious bills kept coming.

"That's when I felt it was getting serious. I asked when the loan was taken because I have never borrowed and never heard the name of the application," he said.

Veri then started checking his mobile banking transaction history. Some amounts of money had entered a few days earlier, but after checking the installed application, Veri did not find any related product or application name.

On December 21st, 2023, Veri received another fictitious bill, this time from an application called Dana Emas. After interacting with the debt collector through chat for quite some time, Veri finally paid through mobile banking transfer.

3. Extortion Mode

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Veri then began analyzing the patterns of the extortion mode. Borrowing with a tenure of 7 days, on the 4th or 5th day, the loan application started demanding payment. A few days later, the bill disappeared. The same pattern repeated several times. Veri continued to receive fictitious loans from several individuals in the loan application. As before, Veri was asked to repay the loan that was illegally sent to his account.

"If I don't repay, it means I have to pay along with the interest. The point is, I repay," he said.

On December 24, 2023, after making sure there were no remaining bills, Veri deleted the application. On that day, Veri found one main application called DIGITAL CREDIT which seemed to be the parent of several other funding applications.

"On that day, I found one parent application named DIGITAL CREDIT. Inside, I have one loan application with the name of the product/funding/application EASY FAST," said Veri.

4. Report Application to the Police

Regarding the incident, Veri AFI will report several online lending applications to the Bogor District Police, West Java. This was revealed by Veri AFI's legal representative, Mila Ayu. Mila Ayu ensures that her client will make a police report regarding alleged illegal access.

"As Veri AFI's legal representative, we visited the Bogor District Police to make a report regarding the illegal access experienced by our client since December 2023 until today," said Mila.

Thus, the report will include Article 32 Jo Article 48 of Law No. 11 of 2008 Jo Law No. 19 of 2016 concerning Information and Electronic Transactions (ITE) and/or Article 367 of the Criminal Code regarding Threats by Fintech Company Individuals against customers and/or Article 29 Jo Article 45 of the ITE Law regarding Debt Collectors Disseminating Debtor Data.

(kpl/far/phi)