Online Money Lending
Are Hyper Finanzia, COFGroup Inter, Fortis Loan & Fortunis Groups Fake or Real?
Why Are Hyper Finanzia, COFGroup Inter, Fortis Loan & Fortunis Groups Fake?
Hyper Finanzia, COFGroup Inter & Fortis Loan are three identical websites which claim to offer loans online. All the websites have the exact same content, images and services. They claim to disburse all kinds of loans between EUR 3,000 to EUR 5,000,000 at interest rates of 2% to 8.9%. The currency is EUR because they are supposedly based in France. Neither Hyper Finanzia nor Fortis Loan seems to be asking for any information regarding the credit rating of applicants. There is no payment or fee mentioned to apply for the loans either.
A domain name lookup of the websites shows that Hyper Finanzia was created first, on 31st December 2018 and COFGroup Inter was created on 28th December 2019. Fortis Loan and Fortunis Groups were both created recently on 13th January 2020.
The content of the websites is poorly written and contains many grammatical errors. There are almost no differences in the designs of the four websites.
The About Us section on the home pages of Hyper Finanzia, COFGroup Inter, Fortis Loan and Fortunis Groups mention that the companies have been operating for 15+ years. The footer sections imply that the websites have been created in 2001. The domain registration info clearly shows that none of the websites was active before 2019.
The home pages of these websites also contain testimonials and information about the team members. Both these sections seem to be fake or dummies. The images used are stock photos which were probably included in the website template. The team member section is obviously fake as it contains placeholder names and photographs.
In the page titled Apply a Loan, it is stated that the companies are authorized as credit institutions with the Investment Services Provider by the Prudential Control and Resolution Authority (ACPR) in France. All four websites provide the same registration number 16489. When I cross-checked this number on ACPR’s registry, it did not return any results.
The contact details provided on all the websites are an email ID, phone number and address. The phone numbers and address both show that the companies are based in France. The email IDs and phone numbers were found to be valid when checked on Ethmail Checker and TextMagic respectively. The addresses given seem to be incomplete and the exact locations could not be found on Google Maps.
Neither Hyper Finanzia, COFGroup Inter, Fortis Loan or Fortunis Groups have any social media presence. There are no reviews available for COFGroup Inter, Fortis Loan and Fortunis Groups, and only a few could be found for Hyper Finanzia. The reviews on Scamadviser warn that it is an advance fee loan scam. It is a type of scam where fraudsters ask for money under the pretence of providing loans and never come through with their promises. One user who claims to have contacted them says that they asked for multiple payments adding up to EUR 557 for processing the loans.
It seems to be clear that Hyper Finanzia, COFGroup Inter, Fortis Loan and Fortunis Groups are all scams. The websites are all identical and of extremely low-quality. The firms do not seem to be doing any due diligence before disbursing loans, which is a common trait of advance fee loan scams. The companies are lying about how long they have been active and also about their ACPR registration. There are no names mentioned and there is no information on where the domain is actually registered.
One reviewer who has interacted with Hyper Finanzia says that they are asking for multiple payments, though nothing of the sort is mentioned on the website. There does not seem to be any reason to believe that Hyper Finanzia, COFGroup Inter, Fortis Loan and Fortunis Groups are legitimate companies.
Remember: If something seems too good to be true, it probably is.
If you have been a victim of an investment scam, you can take the following steps:
- File a complaint with the payment portal. However, investment scammers mostly use methods such as Bitcoin, Western Union, MoneyGram and other untraceable methods which make refunds impossible.
- Leave a negative review on review portals such as ScamAdvisor and TrustPilot
- Report the website to Google using the Suspicious Site Reporter extension for Chrome
- Give a low rating to the website on Web of Trust. You can also install their extension for the same.
- If the company has a listing on Google My Business or Google Maps, file a complaint using the Business Redressal Complaint Form. Also, leave a negative review explaining what kind of experience you had.
Disclaimer: The views expressed in this article are presented as an educated opinion based on facts and evidence. There is no malicious intent or attempt to defame any individual/s or organization/s. If you are a website owner and would like to provide clarifications regarding your business and/or website, please get in touch on firstname.lastname@example.org