I think I've been a victim of financial fraud. Please tell me how to recover from the harm.

Hello. The situation you described is "loan-pretending financial fraud," a representative type of financial fraud where criminals lure victims with loans to steal personal information, ID cards, OTP numbers, etc., causing financial damage.

In particular, when ID copies and OTP numbers are provided, it is highly likely that funds were withdrawn without authorization from accounts in your name, or that loans from secondary financial institutions or card issuance occurred under your name.

First, immediately upon confirming the harm, submit a "Telecommunications Financial Fraud Damage Report" to the local police station, Financial Supervisory Service, or the Integrated Reporting and Response Center for Telecommunications Financial Fraud, and at the same time, request a "payment suspension" with the financial company on the grounds that the account was used for fraudulent transactions.

Additionally, check all accounts, cards, and loan history opened under your name through the Financial Supervisory Service's "Identity Theft Inquiry Service," and if there are any abnormal entries, immediately request damage reports and measures from the relevant financial institution.

Since financial fraud is often difficult to recover from, it is also good to consult with a specialized attorney to consider the possibility of civil damages claims.

Thoroughly collect materials to prove the damage (call recordings, texts, account transaction history, etc.), and proceed with legal action in parallel with the police investigation.