Kelantan police chief Shafien Mamat said the victim reported that she had received a call from a suspect claiming to be an insurance company employee in September informing her that she had made an accident claim of RM70,000.

The victim denied making the claim.

On the same day, she received a phone call from a different person, claiming to be a police officer, who told her she was involved in a money-laundering case and faced imminent arrest.

The woman was told she could “settle” the case by providing “bail” of RM500,000.

Out of fear, the victim disclosed information on her bank accounts to the caller who warned her not to inform anyone about the investigation as it may jeopardise her safety and that of her family.

Shafien said about a week later, the victim was instructed by the suspect to deposit all her money from different sources into a single bank account.

“The victim then withdrew all her savings from several banks and financial institutions, amounting to RM115,000, and deposited them in a bank account selected by the suspect.

“The victim also obtained loans amounting to RM280,000 from two banks to make the payment and transferred all the money to the selected account,” he said.

Shafien said the victim realised she had been cheated when she checked her account balance on Dec 2 and found that all her money had been withdrawn without her permission.