Dear Karen Seiranovich! Office of the Consumer Protection and Security Service availability of financial services in the Volga Federal District (hereinafter — Department) considered your appeal NoOT2-2927 dated 05/24/2022, dated 04/08/2022 and received by the Bank of Russia in the order redirects from the Main Investigative Directorate of the Investigative Committee of Russia in St. Petersburg. According to the arguments of the appeal, you are a representative for power of attorney Akopyan L.A. 04/04/2022 You called Sovcombank PJSC with the purpose of reporting a delay in insurance payment by OOO SK Renaissance Life. In the appeal you refer to the audio recordings made telephone conversation and indicate what you see in the actions of an employee of Sovcombank PJSC signs of crimes provided for articles 285 and 286 of the Criminal Code of the Russian Federation. The department found that the actual audio recordings of telephone negotiations with an employee of PJSC «Sovcombank» you do not need to apply attached, information about the number of the insurance contract, under which IC Renaissance Life LLC allegedly delays the insurance payment, not specified in your application. At the same time, your appeals were previously considered by the Office entry NoOT2-1971 dated 04/05/2022, entry NoOT2-2002 dated 05/05/2022 and carried out verification measures in relation to PAO Sovcombank and OOO SK Renaissance Life. Based on the results of the check, a response was sent to you.