Man it's been ages since I used lowyat forum, but I need to get this off my chest before my stress spirals over.

TLDR: Got misled by someone impersonating as police, got scammed into buying jewelry and pawning for cash and carrying out third party transfer, and awaiting the results of the police investigation.

Going to break this down into points for easier reading.

1. I got a call in mid-July from a handphone number with a person claiming that my info has been leaked and used to sell fake goods on Shopee, then I was directed to a balai polis Pahang. They claimed that they had some voice recording for purposes of court, and had a video call stating that there was an arrest order for me given by the court. In the same video call, there was a female police officer showing pictures of suspects, asking me if I know anyone of them. This then went up to a Tuan Inspector N**** (which i later checked to be an actual inspector in Pahang) and then subsequently to some a**hole named ACP Dato Fahmi (egoistic soab). They also asked me that I was to be a part of a police investigation in order to prove that my finances are clean. They also asked how much is the max credit given.

They made it very clear as this was under the secrets act, they did not want me to reveal details to anyone, not even my family members.

As they somehow knew that I had a kid, they asked me if I wanted to end up in prison. Given how I was emotionally, I didn't think twice about helping them out, so.....

2. They asked if I could take leave from work, and I did. They then called me, making sure that that I was not within earshot of anyone, and proceeded to tell me to
a) buy jewelry using my credit cards
b) pawn said jewelry
c) transfer to a third party bank account, they issued a document under Bank Negara Malaysia with some details
d) get proof of transfer.

And I stupidly went through all that. This took place again 2 weeks later, they claimed they were in court to assist and everything. They also reassured me that the auditing department will clear them as how it is when we are assisting the government. Yada Yada.....

3. They also asked me to apply for a personal loan, and I got 12k from AEON. Again this is transferred like in No 2.

After I was done with these tasks, there was barely anything which raised my suspicion (only now), and I asked the police near my workplace, they confirmed that it was a scam. Luckily being the recorder that I am, I took a record of all the transactions done, the loan applied, everything and filed a police report last Saturday. I already submitted the records of all the purchases and transfers as requested by the police, and went to all banks involved (credit card and savings account). From what I have heard, as the transaction was genuine, the banks are unable to dispute and I will have to bear the brunt of it one way or another. I can only remain hopeful that the inspector in charge of my case can retrieve most of the cash, but what I have heard was that if it was an online transfer, it can be very difficult. I did get their names and account numbers though.

4. After the whole incident, i called that person (directly, not whatsapp) who used another number to call me 2 weeks ago but truecaller and that is how I came to confirm that it was a scam.

The whole purpose of me writing this is to remind, and to remind myself that sometimes I need to be cynical instead of overly emotional. I'm finding my way to deal with this.

Update: my bank just called me and they told me that they are unable to retrieve the money from the scammers accounts, so the police will have to arrest these people. From what I know, the telephone numbers are prepaid, and bought by foreigners. Fuck I had hope of getting the money to settle the cards.

Update update: police can only issue arrest warrant, up to bank's jurisdiction on whether to give money or no. Yep I'm fucked.

Update*3: getting grilled from my dad about it. Everything just makes me want to puke at this point.

Last update: got some money from my dad, have to repay him back at some point. gonna bear the brunt of the personal loan and the other cc via instalment pay for the next 7 years altogether. get lucky and pay off slowly i guess. if got lump sum settle the other cc before loan.

PSA 1: Double and triple check the numbers using Truecaller. If Truecaller wasn't reliable (like the first round). then always ask for their officer number. Double check with police officers using your IC number if there is anything against you.

PSA 2: Don't let them fool you using your loved ones, like me.

PSA 3: Anything involving third-party transfers is a HUGE RED FLAG OK.



All I can do is pray that I get to sort this out one way or another. And I still need to call AEON about possibly settling the personal loan earlier. Fuck.

This post has been edited by TsubakiKira: Sep 17 2025, 09:30 AM

Called them but they did not pickup.

Lucky for you, I lost 20k+

Learnt this the hard way.

That is true. I didn't download any funny apps or click on any phishing links, but I still got good.

I probably should be more cynical and ask for details all the way. That is my fault.

Again, under the pretext of ensuring finances are clear. Like I said everything went haywire the moment they brought up my family and kid. Fuckers.

That is true. Working for the money isn't my worry, it's actually the cards that are due payment next month....because accruing interest.

The first call was under shopee manager, so I picked up without thinking twice.

I already said that it was not with clear conscience as they brought up my kid and they warned me to not share with others. I know how stupid it was.

Thanks for making a point.

Thanks for the advice, will take note of this in future.

They came up with a document with Bank Negara Malaysia logo, the auditors details and some instructions on the necessity of the transaction. I was just stupid okay.

Again, something I will take note in the future. Thank you so much for the advice.

Actually it really is just common sense like what one of the commentators said here.

Apa nak buat, nasi sudah jadi bubur. Hanya boleh doakan outcome of kes tu involve some money coming back to my end. Makes things less painful.

anything for greed actually. If it's painful for 20k to a stranger, I can't imagine what it's like for a friend.

That is very true, there are a lot of other things involved as well that we're not been on the same page with and I fear will exacerbate the situation further moving forward with our lives. Going to wait for the bank/polis verdict in a few days before anything further.

Money aside, I actually took leave for these scammers

aku bodoh sebab impulsif dan tak terfikir dalam emosi yang terganggu, good enough?

I already know I'll get brickbats posting here.

avoid traceability. They are clever enough to delay the process so they can withdraw from the ATM once they got the money instead of asking for another transfer.

20k++. lucky is not rugi outright from savings acc. but regardless am still fcuked depending on the bank and polis verdict on the case.

thanks for the wishes. I also want it to be resolved soon, whatever the outcome is.