Polish Police Report 20-Year-Old Scammed into Taking 563,000 PLN in Loans and Transferring Funds to Criminals via Bitomats

A 20-year-old resident of Trzcianka became the victim of a phone-based social engineering scam in which fraudsters posed as bank employees and police officers. The attackers used a fabricated alert claiming that someone had taken out a loan in the victim's name, then pressured him into obtaining multiple real loans from banks. The total borrowed reached 563,000 PLN, with repayment obligations now exceeding 830,000 PLN including interest. The victim withdrew the funds in cash and deposited them into cryptocurrency ATMs located in Piła and Bydgoszcz, while also handing over 205,000 PLN in person to a courier in Piła. Bydgoszcz Police are handling the investigation and have warned the public about similar vishing tactics that combine fake financial alerts with impersonation of law enforcement.

ekurakTranslated from Polish

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A 20-year-old man from Trzcianka has fallen victim to an elaborate phone scam that resulted in him taking out multiple bank loans totaling 563,000 PLN and transferring the money to criminals.

According to Bydgoszcz Police, the fraudsters first contacted the victim with a false alert claiming that an unauthorized loan had been issued using his personal data. They then impersonated bank staff and police officers, creating a sense of urgency that convinced the young man to act immediately.

Under the guidance of the scammers, the victim obtained several genuine loans from real banks. The combined principal reached 563,000 PLN, and with interest the total amount he must repay now exceeds 830,000 PLN.

The obtained funds were handled in two ways: cash withdrawals were deposited into bitomats across Piła and Bydgoszcz, while an additional 205,000 PLN was delivered in person to a courier who met the victim at a prearranged location in Piła.

Police emphasize that the case demonstrates classic social-engineering techniques in which victims are manipulated into converting legitimate bank loans into cryptocurrency or cash transfers that cannot be recovered.

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