I thought it was quite clear in the second article...That’s a very misleading and incorrect article. For starters, Action Fraud is a separate organisation from the police, and police staff. Action fraud is where people are referred to when, there is no identified suspect, the suspect is abroad or, there are no direct lines of enquiry.
"Victims of fraud are told to report the crime to Action Fraud, which is overseen by City of London Police. Four years ago, the service was outsourced to a firm called Concentrix. "