Loan scam guide
Loan app harassment
Loan app harassment involves unauthorized data access, contact-list abuse, fake legal notices, morphed images, abusive recovery agents, and pressure to pay inflated charges. Evidence should show app identity and threats.
Risk signal
Contact abuse
Severity
critical
Group
Loan
Common identifiers
Add identifiers that can be matched safely across reports, profiles, payments, and evidence without exposing unnecessary private data.
Loan app name
Use the exact loan app name shown by the scammer so CheckKaroo can link repeat signals and avoid weak matches.
Recovery number
Use the exact recovery number shown by the scammer so CheckKaroo can link repeat signals and avoid weak matches.
UPI ID
Use the exact upi id shown by the scammer so CheckKaroo can link repeat signals and avoid weak matches.
SMS sender
Use the exact sms sender shown by the scammer so CheckKaroo can link repeat signals and avoid weak matches.
Evidence to preserve
Keep proof in original form where possible. Screenshots help, but transaction IDs, URLs, timestamps, and chat context make moderation stronger.
Threat messages
Capture threat messages with date, time, sender, URL, or transaction context visible where possible.
App screenshots
Capture app screenshots with date, time, sender, URL, or transaction context visible where possible.
Payment demands
Capture payment demands with date, time, sender, URL, or transaction context visible where possible.
Contact abuse proof
Capture contact abuse proof with date, time, sender, URL, or transaction context visible where possible.
First response
These steps reduce further loss and keep your report useful for review, banking escalation, platform reporting, and official complaints.
Do not share more permissions
Do this early: do not share more permissions helps reduce repeat contact, preserve proof, and keep escalation options open.
Preserve threats
Do this early: preserve threats helps reduce repeat contact, preserve proof, and keep escalation options open.
Report harassment and payment details
Do this early: report harassment and payment details helps reduce repeat contact, preserve proof, and keep escalation options open.
Urgent money loss
If money was recently transferred, call 1930 first and raise a bank or payment-app dispute. Speed matters for fund-freeze attempts.
Privacy boundary
Do not upload OTPs, passwords, full card numbers, full Aadhaar, private documents, or unrelated intimate media. Use masked, relevant evidence whenever possible.
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