| Name of Complainant | |
| Date of Complaint | September 25, 2022 |
| Name(s) of companies complained against | Track Fined Private Limited |
| Category of complaint | Cyber Crime |
| Permanent link of complaint | Right click to copy link |
| Share your complaint on social media for wider reach | |
      |
|
“Well Credit Loan App SCAM”
About the Business:
The business name is Track Fined Private Limited based in 3rd Floor, Flat No 302, 72/11 Bon Behari, Bose Road, Howrah , PIN: 711101 . CIN Number is US1909WB1991PTC052805
Director details:
DIN Director Name
08865922 ANIL KUMAR
08972518 RISHIPAL TEJPAL VALMIKI
About the App [Well Credit App]:
Available on the Google Playstore, as mentioned, it provides you loans upto 5 lakhs with a good credit eligibility.
THE SCAM
Recently I assessed my “Credit Eligibility” on “Well Credit instant loan app” on around 10th Sept 2022. After adding my details and given permissions, it showed me an eligibility for loan amount of Rs 7000 for a tenure of 7 days. Since the amount was low to my requirement, I uninstalled the app.
On 16th September, I received an amount of Rs 7000 out of nowhere. Since I forgot about the app, i thought this might be a human error transaction made my somebody in the name of Veena Trading. I thought if I get a call from the bank I will return it back. Time went by, Nobody called. On 23rd September 2022. I got a text message at 7:07AM which says–”Nitumoni,today is your repayment day, please open wellcredit to repay immediately, otherwise your credit record will affect and may incur i fines.-wellCredit”
The Working of the App
After I received the text message on my Phone, i got very serious!. Reinstalled the app, Checked in my profile, then My loans and It showed me 12812 for repayment. Next was to repay my loan. Somehow arranged the whole amount. In the meantime, Got a Whatsapp message from +977 981-8314189 (Country code: Nepal) saying his work number is EMP ID:1815 (This motherfucker doesnot have a name) giving me cashback offers on loan repayment.
I opened the app to repay and it showed 3 prefered payment methods.
1. Inpays —- https://www.inpay.com/ (Cross Border Payments)
2. Fastpay —- https://www.fast-pay.iq/about (Iraq)
3. Hxpay —– https://fraudcreditcards.com/hxpayments-com/
I clicked on Inpays payment method to repay and the next page redirects me to a page where
1. an UPI id exists with a copy button
2. Transaction Reference Number
Please Note: Everytime you try to repay from the app, the UPI id changes. You never know whom you are paying to.
I became suspicious. So tried to change the UPI mode to Bank account details and it showed
1. Copy Bank details
Name: TALUKDAR ENTERPRISE
Card Number: 120001714041
IFSC: CNRB0019707
Also an alert below says:
“Please don’t save the “Account number” for future payments. The account number may change anytime”
So, I copied the details in my ICICI bank app for Repayment and the transaction failed due to security reasons. Thanks to ICICI.
Due to the concern of Repayment, I made a Whatsapp call to the so-called motherfucker to guide me on the repayment steps. He told me to just copy the UPI id and place it externally (Not through the app) on Gpay and make the payment and share screenshots of the transaction. I did it accordingly. This time it was a success. I shared the transaction snapshots on whatsapp and called that motherfucker (on whatsapp) to close the loan and told him never to contact me again.
Just after an hour of repayment, I found a message that shows Rs 10000 has been credited again and this time it shows Repayment amount is Rs 18302 scheduled on 30th Sept 2022 for repayment. I tried 7 times calling the Customer care number till 4.14 PM, Nobody responded. The Motherfucker even didn’t responded.
So this is what happened actually.
Image Uploaded by Nitumoni Mudai: