Today I checked my physical mail and there were two letters from ANZ saying my personal loans applications had been unsuccessful.
Letter was in my name and my address. I haven’t banked with ANZ for 35+ years and certainly haven’t applied for two personal loans.
I rang ANZ and their fraud department are looking into it. ANZ wouldn’t give me any details - e.g. the email address and mobile number. The ANZ employee said they looked fake.
How or why would someone try to obtain a personal loan in my name?
Especially without supporting documentation.
Edit- installed WeMoney app.
The ANZ loan application was for $66,000.
There was also a NAB loan application for $50,000
Just Spoke to NAB , they said the fraud derives from leaked drivers licence details - data breach. They had flagged the loan request already. They said that usually it is crime syndicates. Sometimes they provide fake documentation- e.g. payslips . Sometimes they provide nothing and hope it just gets approved.
NAB are providing me with correspondence regarding the fraudulent loan application for …reasons.
They also provide further resources/options e.g. i could report this to the police, or providing link to idcare.org
I found NAB to be far more proactive/interactive than ANZ.
ANZ were like “we can’t tell you anything. Goodbye “
It is identity theft 101, they get the loan then transfer the money to a money mule or another fraudulent account from which they can send it overseas or buy crypto to get the total value of that loan into their name. The victim usually suffers with a destroyed credit file that takes significant time to get repair as you need to prove you did not take out the loans.