Investors of JJPTR are keeping silent out of fear they may lose their money.
They worry that the account of the company will be frozen by the authorities if police reports are made.
Some are also fearful that action will be taken against them for taking part in "illegal activities", since JJPTR operates forex trading, which was neither authorised nor approved under the relevant laws and regulations administered by Bank Negara.
A 65-year-old clerk, who declined to be named, stressed that he did not consider lodging a police report against JJPTR as he hoped to get back the US$2,000 (RM8,743) that he invested.
"I invested US$1,000 (S$1,394) and another US$1,000 under my wife's name. After I received three payments, I failed to get my fourth returns.
"I was told that the boss is figuring out a way to pay us back. I trust him since I got my earlier dividend payments on time," he said.
Another investor, Lau, said they do not want trouble, just their money back.
The 40-year-old who joined the scheme last year made a little profit but his two colleagues that he "recruited" did not.
"Both of them invested US$200 and US$1,000 early this month. They have not got back their money, and I feel that I have to help them," he said when met outside the JJPTR service centre in Perak Road yesterday which opened at 1pm.
He said an employee there told him that investors who have not received their returns might be transferred to a new plan.
The investors appeared calm and they accepted the explanation given by staff at the service centre, believed to be the headquarters in Penang.
One of the 20 staff members stationed at the centre said the investors were told about the risk before they joined.
"Now, the company is facing a crisis and lodging police reports will not help," a branch representative said yesterday.
Penang Commercial Crimes Investigation Department chief Asst Comm Abdul Ghani Ahmad said no reports against JJPTR had been received so far.