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...

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.

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.