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If you discover that a loan has been taken out in your name without your consent, it is important to act quickly. The sooner you start addressing the situation, the better your chances of protecting your rights and avoiding financial losses.
What to Do First
1. Contact the lender.
Immediately contact the bank or microfinance organization through its official communication channels. Report the fraud, ask them to register your complaint, and, if necessary, block access to your accounts and services.
2. Preserve all evidence.
Do not delete SMS messages, bank notifications, correspondence, transaction history, or any other information that may help prove the fraud.
3. Report the incident to the police.
You can file a report through the eGov.kz portal, the e-Otinish platform, or in person at your local police station. Once your report is registered, an investigation will begin, and you will receive an official document that you will need when communicating with the lender.
4. Contact the bank or microfinance organization again.
Provide the document issued by the police. During the investigation, the lender is required to suspend debt collection and stop charging penalties and late fees.
Can a Fraudulent Loan Be Written Off?
Yes, but not automatically in every case.
If the fraud is confirmed and the bank or microfinance organization violated lending procedures (for example, by failing to conduct mandatory biometric identification or by breaching legal requirements), the debt may be cancelled.
This can happen:
- Out of court — if the violations are clear and undisputed;
- Through the courts — if the circumstances must be established in legal proceedings.
How to Protect Yourself
To reduce the risk of fraudsters taking out a loan in your name:
- Never share SMS verification codes, PIN codes, or your bank card details.
- Do not click on suspicious links.
- Download applications only from official app stores and trusted sources.
- Check your credit history regularly.
- Activate the “Stop Credit” service if you do not plan to apply for loans.
The most important rule is not to delay taking action. The sooner you contact your bank and law enforcement authorities, the greater your chances of protecting your rights and maintaining a good credit history.
Contacts and Useful Links
Police
- eGov.kz — https://egov.kz
- e-Otinish — https://eotinish.kz
- In person at your local police department
- Front Office: +7 (7172) 71-46-93
Agency of the Republic of Kazakhstan for Regulation and Development of the Financial Market (ARDFM)
- Submit a complaint through the e-Otinish portal
- Call Center: +7 (727) 237-10-00
Prosecutor’s Office
- Submit a complaint through the e-Otinish portal (section “Prosecutor General’s Office of the Republic of Kazakhstan”)
- Toll-free number within Kazakhstan: 115
Source: Fingramota.kz
