Voice Phishing Fraud Complaint Leading to a Prison Sentence

Client Information

Individual / Complainant
 

Case Details

The client had been steadily repaying the remaining balance of an existing loan from a savings bank and was searching for refinancing options with lower interest rates through an online financial platform.

During this process, the client was contacted by individuals impersonating bank employees, who falsely claimed that the client was eligible for a low-interest loan refinancing program.

The perpetrators sent convincingly fabricated loan approval notices and payment confirmation documents to gain the client’s trust. They then pressured the client by claiming that the existing loan repayment violated regulations and demanded that cash be delivered to a purported Financial Supervisory Service officer, or that “insurance fees” were required to improve the client’s credit score.

As a result, over a period of just five days, the client handed over a total of KRW 44 million in cash across four separate transactions.

After realizing that the application installed on the client’s phone was fraudulent, the client sought legal assistance from Decent Law Firm.

1. Filing the Criminal Complaint and Organizing Evidence

Decent Law Firm prepared and submitted a detailed criminal complaint to the police, systematically documenting the perpetrators’ false identities, contact information, and physical descriptions of the cash collection couriers.

Key evidence—including KakaoTalk message records, falsified loan documents, and cash withdrawal records—was carefully organized and presented to investigative authorities to clearly establish the facts of the crime.


2. Establishing a Clear Legal Theory of Liability

Relying on Supreme Court precedent, Decent argued that the defendants completed the fraud through functional control over the criminal conduct, even if their roles were divided.

In particular, Decent emphasized that the couriers who impersonated financial institution officials and personally collected cash could not be regarded as mere bystanders, as they were fully aware that their actions constituted voice phishing fraud.


3. Protecting the Client and Managing Legal Procedures

By designating counsel as the authorized recipient of court and investigative documents, Decent directly managed procedural matters throughout the investigation and trial, allowing the client to distance themselves from the legal process and focus on returning to daily life.