An agent called me today saying that I have an insurance renewal pending. I ignored at first saying I don't have any renewal at this time. However, she insisted it was rightly triggered by their system.
I verified on true caller, the name matched the agent, and later upon my request, she shared, renewal notice copy, I thought it was fishy for not sending it on email, but her whatsapp account also shows up as insurance agent business. I was convinced, it was safe to assume she is not a scammer.
Going by the details in renewal notice, I tried linking it on ergo here app, which gave me 2 options to verify, OTP, tried, both mobile and email were someone else's, another with PAN/KYC. Tried it and to my shock it successfully linked the policy.
Tried to get more details about the policy, but it's only available to download using OTP.
With all this, I came to conclusion, that the policy, exist, associated with my name and PAN. But, mobile, email, address, DoB and even CKYC ID are different. (I will try check on the existence of fake CKYC associated with my PAN etc)
Now, due to some coincidence or what, the agent called up on MY number instead of the one mentioned in policy. Probably it got fetched by system through PAN or some other details. But thankfully I came to know about this fake policy.
Not sure how, but it's gross mishandling of sensitive data by them. I mean, they neither verified the details, nor took the consent, except if someone, forged my details to provide the consent. In that case, this could be a case of Identity theft as well. Otherwise, what are the chances someone with my name got his PAN mixed up with mine, and officials didn't verify the signature as well?
I have already raise an issue with ergo team. Will update with response. Meanwhile, let me know if anyone has had any such experience.
I verified on true caller, the name matched the agent, and later upon my request, she shared, renewal notice copy, I thought it was fishy for not sending it on email, but her whatsapp account also shows up as insurance agent business. I was convinced, it was safe to assume she is not a scammer.
Going by the details in renewal notice, I tried linking it on ergo here app, which gave me 2 options to verify, OTP, tried, both mobile and email were someone else's, another with PAN/KYC. Tried it and to my shock it successfully linked the policy.
Tried to get more details about the policy, but it's only available to download using OTP.
With all this, I came to conclusion, that the policy, exist, associated with my name and PAN. But, mobile, email, address, DoB and even CKYC ID are different. (I will try check on the existence of fake CKYC associated with my PAN etc)
Now, due to some coincidence or what, the agent called up on MY number instead of the one mentioned in policy. Probably it got fetched by system through PAN or some other details. But thankfully I came to know about this fake policy.
Not sure how, but it's gross mishandling of sensitive data by them. I mean, they neither verified the details, nor took the consent, except if someone, forged my details to provide the consent. In that case, this could be a case of Identity theft as well. Otherwise, what are the chances someone with my name got his PAN mixed up with mine, and officials didn't verify the signature as well?
I have already raise an issue with ergo team. Will update with response. Meanwhile, let me know if anyone has had any such experience.
