I receive a call few days back claiming that my parents owe debt to their bank, while parents did owe bank but they always have been paying on time and the acc has been service for almost 40 years, more over the amount mention does not match my parent's bank debt amount at all, so we just tell her that we will verify and settle the issue on monday. Out of the blue today (sunday) this so call "bank officer" came right to our door step and mumble something about serving us a red notice of sorts and demand to sign some papers to solve the issue, my parents wasn't at home so I ask a bunch of question and such. The moment the agent heard I mention about "verifying to ensure not a scammer" agent started to flip out, saying things like not a scammer with a raise voice and dare me to call the police and such, but before I press the phone button she tone down and say the issue can be settle by paying half of the owe debt.

Agent give a debt number that does not make sense at all to the lines of either 5k or 10k settlement. I just scoff off the threat of freezing bank account and sending police to stick red notice to the house etc. Agent even dare me to go HQ and ask for the name. After agent left, I check out the name and it was no where to be found on the internet, as you know usually if its a professional of sorts you would have name in linkidin and such. So I went to the guard house and ask for car plate number and registered name, different from what the agent provide. check the different name and again no information, search on the so call "HQ" number the agent give does not show up as any bank number at all. Tried to call the official number from the bank page and it was not answered (of course it doesn't , cause the bank page stated monday to friday 9am - 6pm).

So I'm pretty convince that this is a scam, parents are going to bank to verify this on monday, but with the information I have now and potentially CCTV footage of the scammer should I make a police report? would they do something about it? I'm presuming whatever information coming from this agent is fake so far and police most likely won't be able to do much except maybe checking up on car plate number.

The strong symptom of a con artist.

wearing casual with sunglass

Rise voice when you question them (indicate lack of patient)

Not much info on their paper except name, tel number and house address.

Not extra detail nor mention what kind of debt.

Keep repeating the same sentence like a script.

Can't speak proper english

Start to pressure you with either a threat or make you feel anxious by emphasizing on what you are going to loose if you don't settle today.

Lay out the condition of settling by paying half of the debt amount (which is also not correct)

Tell you to stop arguing when all you did is to question their precedure that does not make sense.

Give you a house number to call "hq" instead of HQ hotline.



So, the thing I'm really worry about is .... if the agent is scammer the balls is surely massive to take that kind of action (coming to my door step) to attempt to "settle" the debt, which also means now that they already have a basic profile of my parent's number name and address I fear if this people come up with new scheme to keep targeting my family we will not see the end of this incident.

And if this really is an officer from bank ..... WTF why bank hiring scammer like officer that make every wrong move in the book that their own policy emphasize not to do? Their web page literally says if there is any issue please contact HQ or known branch. Why would an officer come to your house and give you an option to either settle the issue or face consequences? Mind you on sunday ..... when we say we are going to verify on monday agent is giving mumbling threat like "its gonna be usless on monday cause they will follow the procedure to freeze my parents account and there is nothing we can do about it etc" .... she also claim that if its settle today she can stall the process ..... like rly? can bank officer do that?


After a not succesful attempt the agent left, back tracking everything related to the agent turn up empty (I'm an IT freelance data tracker so if you are legit you should be showing up after some digging) .... fact that there is nothing means high chance whatever the agent just feed us are build up.

Anyone face or heard about this kind of incident before? Its kind of a scary encounter cause they come up to your house personally...

Strongly suggest you make a police report at the nearest station, bring whatever notice / documentation / information you have re the incident at your home.

Even if this is genuine case, at least the police have a record of what is going on.

agree,
so the next time they come over can show them the report and their face(if you have cctv) that whatever his next actions will be follow up by police if he act out of the ordinary.

Scary, sometimes it's a trick just to get you to come out of the house.

ask her come again tomorrow, with police at your home, then tangkap her on the spot.

bank come lawyer letters, not agent

My guess is always

It's insider job... Targeting older people

Screw bank's sop that allows so much info to be obtained by even a small bank employees.

Scammers like to use these

1. Fear
2. Urgency
3. Authority

Read the first paragraph and already can confirm is scammer.

If they threaten you say want call police or freeze account, just take out your phone and snap his photo. He will chicken out. And after things end, go make police report with his photo.

Yes I'm gathering up all the info I have and compiling them together, but parents only decide to go police station after going to bank to verify tmr. They don't want to burn the whole house down just in case if by any chance this is indeed an officer of the bank and we escalated the situation before even talking to the bank.

Once the truth is out the first thing we will be doing is making a police report if this turns out to be a scam.

Make a police report and get a copy of the report. Stick it in the community board in your condo so others are aware of the scam. Also put a copy on your inside door so your parent are ALWAYS alert to scammers. Older folks can sometimes forget, so the notice right at the door will always remind them the world is a dangerous place (Sadly much much more dangerous than it was 30 years ago before internet)

I will politely tell the scammer, oh u finding my parent ah, they not staying here wor, but i can bring u go find them nearby only (lie to them near but bring them far), but follow my car ya, bring them to the bottom of the cemetery hill, then point them, neh there they are.

TS, 'they' talking and taking up debt collection matters with you (the son/daughter) and not your parents the 'named person' in person is clearly a red flag, a scam.

Report police if you their face, conversation recorded.

This post has been edited by jojolicia: Apr 13 2025, 11:18 PM

I believe impersonating someone is already a crime and if you file a police report together with the real bank officers, police would definitely look into this, but whether or not can catch the perpetrators then its a different story

Bank officers don’t turn up at individual house. Ever.

Also they just send out notices only. Never in person.

Only debt collection does and that’s actual loan debt. Not those with securities or collateral like mortgages. They’re not taking away your property and bag it up.

Lagi on Sunday LEL

During covid, i did received few calls about max out credit card. The info such as my full name and IC number are correct, but the incorrect part is that i have a credit card with a bank that i don't even have saving account with them. They told me this is a fraud and they will assign a "police officer" to handle my case. When i ask them what did i spend until over limit, they said i "bought" something from shopee and when i ask them what am i buying and which company i'm buying from they just answer they don't know. Some of you might aware that the bank can check what we're buying and from which stor/company we buying from, by them saying they don't know already exposed themselves. Another question when i ask them is the card number, at first they refuse to give me but i pressed them abit so eventually they gave me. End this stupid call then i call the official bank phone number, gave them the card number as well and confirmed i did not have any credit card with the bank.

But your case here is another level, dare2 to come and knocking claiming you owe the bank then threatening with red notice and all. Good for you that you asking them about this debt where they starting to tremble, then call the real bank to confirm.

Yes i think you should file a police report just to be safe, though i doubt they can do anything but at least you filed a report.

yeah, report polis

Most of the time they raise their voice as a diversion to intimidate and avoid answering the question you bring up. So when people get angry, there's really only 2 situation - they're truly triggered because they're the real thing, or they're total fakes.

If they can't speak proper English, do they seem like a local or from a different nationality? ---> asking this out of curiosity lol

Perhaps inform the guard to blacklist the said car plate and person. Next time he tries to enter, tell the guard to deny him entry.

Banks and legit financial institution doesn't randomly start sending such notice or debt collector if your payment record have been consistent. You were right in questioning him and repeatedly trying to verify information. If it's me, I would have demanded for his work identification and also take his photo or try to video the incident saying I'll have to verify his identity with the bank (if he's truly their rep).

In future it'll also be good to install CCTV at the entrance in case he ever comes back, or a different person but similar tactic appear. Tell them this entire interaction is being recorded. Honestly it's lucky that you were home. Imagine you're not in and both your elderly parents have to deal with him. It's likely they will get intimidated and ended up following what he had to say.

A quick update on those might have been following this thread ....

Sry I was late to respond, so parents went to HQ and question officer, first of, there is no such person working under that bank at least according to them. But they fall short of calling it a scam, according to them they say it could be possible that it is one of their associated 3rd party debt enquirer (debt collector) .... but because their are also not certain as they don't give permission to decide what course of action they can or cannot take so they ask my parents to wait for investigation findings before determining if we want to make a police report.

In the mean time there is no change to the repayment structure (basically officer just ask parents to pay as usual), on why they trigger a debt collector if my parents have been servicing the debt for so many years w/o fail their excuse was it could have been mistakenly pass over to 3rd party (because parents was a few days late this month) but they can't say for sure until they have fully investigate the issue.

One thing is for sure, all the agent's threat fall flat, the demand of paying half of the debt to settle the issue (is not recognize by the bank and officer claim their policy is usually asking debtor to restructure their payment plan with a new proposal if need to be)

Agent's threat of bringing two "police officer" to my place and stick red notice ........ did not happen.

Agent working on sunday? (Bank can't tell for certain cause they don't work on saturday and sunday)

Agent ask to sign document? (Bank usually prefer to sign any legal document in their premises but there are extenuating circumstances, which again they say they are going to investigate)


So in short bank don't know if its their 3rd party or really a scammer ...... to me it feels like this could be a scammer that got hold of other people's debt info but only on the surface and not deep enough to really convince people that they are the real deal. I tried to call back the number the agent provide and no surprise the number can't get trough.

I will be making a police report if they find that the agent is not from their side, so unless they came back with the findings that this is just a miss understanding otherwise things will happen as scheduled.

I won't be expecting to update this drama again on the thread unless some out of this world new happening is interesting enough for another update. I update this now cause I feel like I owe a closure to an unpleasant encounter and also a warning to people that potentially be facing the same problem in the future.