I would like to report Xplicit Home Loan (https://www.xplicithomeloan.com/) for fraudulent activity. I saw their Facebook post promoting their quick collaborative mortgage service and decided to try it for a property renovation project.

After filling out a form and providing my ID and bank statement, they promised a $41600 mortgage within one day, but required a 3% service fee. Since I am in Canada, I had my wife pay from a Canadian bank, which would take 4 business days to process. They informed me that they could not wait that long and requested payment by Wise. I paid them as instructed and they agree to return money and I trusted them based on their website, it seems professional.

Once they received 3% ($1230 USD) payment by wise, they demanded 20% of the money as collateral mortgage since I did not have the property title. I became suspicious, but we agreed to borrow half the amount. I paid the collateral mortgage through by using Wise, after paid, they said they require pay 25% instead of 20% because their management team cannot proof. they provided different wise account and I become suspicious but I still paid.

They claimed they would disburse my loan, but due to a system issue, they could not. They suggested an alternative method, but I would need to provide more information, like passport, which I refused. They asked me to wait for a week to fix the technical issue. After 1 week, they informed me that they had disbursed $41000 plus a 3% service fee ($41000+$1230=$42230) instead of the agreed-upon $20500. They asked me to return the excess money of $20500 immediately, but I told them I would only return the money after receiving it. They became angry and claimed to have recalled the money from the bank, providing a fake document, we asked my bank, and we realize they did not disburse anything at all. I realized they were a scam.

Two days later, they informed me that they would disburse the money again, but I would have to pay an additional $810 service fee. I refused and requested a refund. They informed me that I would have to pay $1050 for the refund. I told them that I had already paid an extra 3% service fee, which they could deduct from the balance, but they claimed it was already included in the mortgage and could not be used for a refund.

Now it seems they are fully scam.

how can I do to get my money back, I have lost around $6062 USD for this case.

Because it is criminal, can we report to police and get the money back?