Lie to you in the name of canceling campus loans
The scammers claim that they can write off campus loans. Many people have not been exposed to Internet loans before, but they have been deceived for the same reason-afraid of carrying a campus loan.
Someone has just paid off the student loan and put on another 52,000 debts.
There is a financial platform reminder: Anyone who claims that the customer service of the online loan platform requires cash withdrawal is a liar.
A scammer sighed: "I didn't expect to escape the online loan, the MLM, or the scam."
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The college student Li Fang (pseudonym) who was afraid of avoiding campus loans fell into a loan trap.
On the morning of May 9th, she received a call from a stranger who claimed to be "JD Finance cancels customer service," saying that "the country prohibits campus loans, and the loan account that has been applied for needs to be cancelled." She was asked to cancel herself according to the instructions. "Campus Loan Account".
She had previously understood the controversy caused by campus loans, and had carefully tried to avoid campus loans, but the caller sounded credible: she could clearly report her personal information and warned that "someone may have used it fraudulently." Her information has applied for campus loans. "
In the next 3 hours, she loaned about 110,000 yuan from four Internet financial platforms according to the other party's instructions and transferred it to the bank card account given by the other party. The other party said the move was to help her "clear the quota".
After realizing that she was deceived, she called the police, but she couldn't make another call.
In a microblog group, there are more than 800 deceived people who have encountered similar encounters, and their locations include Beijing, Shanghai, Shandong, Henan and other places. Among them are ungraded college students and office workers who have worked for four years. Many people have not been exposed to Internet loans before, but they have been deceived for the same reason-afraid of carrying a campus loan.
On March 28, the National Student Aid Management Center of the Ministry of Education issued "Warning No. 1 in 2020" on its official website, saying that a "new scam" has appeared recently. The scammers claimed that "the policy has changed since the 19th National Congress. The loan account applied for needs to be cancelled, and it is necessary to follow the procedures to operate, otherwise it will have an adverse effect. " The National Student Aid Management Center reminded, "Must be vigilant and avoid being deceived."
Posing as a central bank credit reporting system
Afterwards, Li Fang only remembered that after the call at the beginning of 162 was connected, the other party could not only report her personal information, but also know her detailed account information on the Internet financial platform.
As a college student about to graduate, Li Fang has not used too many financial products. She only has one credit card, and occasionally uses the Alipay platform to "borrow", but the amount of the loan is around a few hundred yuan and will be paid off on time.
On the fraudulent phone, the other party said to her eloquently, "Your loan was opened at a certain time in 2015. At that time, it belonged to a student account. Now you are about to graduate, and then use it as a campus loan." Li Fang used to be online After seeing the news that students are heavily in debt due to campus loans, the school also publicized the risks of campus loans. She was afraid of hearing the other party ’s statement.
The other party "consoled" that she need not worry, as long as she cancels her account in time, she won't be in trouble. To cancel this so-called "campus loan" account, you need to "spend" the amount of the financial platform.
The method of "spending" is to use up the "Quota" according to their QQ voice prompts, and transfer the money to the "Corporate Account" provided by them. They also assured Li Fang that they would help her "log off" in the background and return the money to her account at 4 pm that day, just "walk the water".
Li Fang added QQ at the urging of the other party. The QQ name reads "JD.com cancels customer service." As soon as the other party passed her application, he immediately sent a "China Banking Regulatory Commission, the Ministry of Education, and the Ministry of Human Resources and Social Security" authorization authorization document and ID card, work permit, and business license. This is actually a forged "authorization entrustment document", which is to "strengthen rectification efforts to prevent online loan institutions from taking advantage of loans, violent collections and other acts that seriously endanger the safety of college students."
The other party first encouraged Li Fang to download and log in to the "JD Finance" App and asked her to send a screenshot of her quota, but for some reason, Li Fang could not borrow from it. The other party quickly changed the set of statements, and urged her to "write off" the amount on Alipay's "borrow".
Due to several times of "borrowing" and good credit, Li Fang can borrow money on "borrowing" is not low, about 71,000 yuan. She obeyed the other party's instructions, lent the money, and then transferred to the other party's "public account."
The other party immediately sent her a screenshot of "Alipay's collection information", in which "reason for collection" reads "write off the student loan limit, collect and clear the channel". The bill classification is "Certification cancellation of funds, no need to reimburse me".
Immediately following is a screenshot of the fake student loan inquiry results of the “People's Bank of China Credit Information Center”. The background of the screenshot is very similar to the background of the official website of the People's Bank of China. The "Student Online Loan Inquiry" item is listed in a table, detailing her name, university, registered ID number and account status.
In the screenshot, the "credit safety factor" and "to-be-processed platform" marked in red are quite eye-catching. Li Fang saw that his "credit safety factor" was "80.9%", with a small red rising arrow in front. Under the "Pending Platform" entry, "JD.com", "Borrow", "Weibo Wallet", "Meituan", "Anyihua", "Particle Loan", "Xiaomi Loan", and "Didi Chuxing" are listed in red in the first two items. "Processed", the last few items display "Processing" or "Unprocessed".
The other party sent her a screenshot of "Sorry, I can't log out" with a red exclamation mark. The tone told her seriously that the logout failed because, "There are other student accounts and the authorization limit for the student account is not cleared."
So under the guidance of the scammer, she opened the "micro credit" "weibo wallet", download "Meituan" and "Xiaomi Finance" App, under the guidance of the scammer, loan 18,000 yuan, 9,800 yuan, 8,500 yuan and 7500 yuan.
Every time she transfers a loan from a financial platform to a fraudster's account, the other party will immediately send another screenshot of "Failed to log out", but the reasons below are different-"Alipay still has student account information" "Weibo also Student account information exists. " There are always new financial platforms, and her account never seems to be sold.
In fact, the official website of the People's Bank of China Credit Information Center reminds users: "The People's Bank of China Credit Information Center will not inform the information subject by e-mail or telephone about information related to loans, money, or their blacklisting. Prevent cheating. "
But the scammers often realize that they have been scammed and then log on to the website of the People's Bank of China for the first time to check their personal credit records.
"Come on, we can't care about eating in order to help you do this." Li Fang heard that at least several people across the floor were talking at the same time. The background appeared noisy and busy. It sounded like a company with a lot of business. .
When the last item of "logout" was carried out, the other party asked her to download "Didi Chuxing", but she failed to download successfully due to the speed of the network, and the other party hung up her phone. After that, she talked about it with her classmates. The classmate reminded her that she might have been cheated. She woke up like a dream and called the police.
What makes these deceived people feel terrified, and information leakage
This method of fraud has taken the lead back in early 2019. Police in Jiangsu, Shenzhen, Quanzhou and other places have issued warning information.
Li Fang searched for the topic of "canceling student loans" on Weibo and joined a group of Weibo composed of similar deceived people. According to statistics from an earlier group member, there are at least 473 people who are willing to provide information. The total amount of frauds amounted to 18 million yuan. The earliest report date can be traced back to February 2019, and the amount of personal frauds is up to 590,000 yuan. .
JD Financial's customer service system automatically prompts, "Our company has never had a campus loan business. I would like to remind you not to trust the offline transfer request made by unknown personnel, and do not believe in telecommunications fraud." According to relevant sources of the company, JD Finance does not have a "cancellation group" and staff, and "will not contact users in the name of" loan cancellation "loan cancellation group", and guide users to apply for gold bullion loans and transfer funds to others. "
A staff member of Meituan Finance told reporters that after understanding the situation of such telecommunications fraud, they real-time judge the risk of customers being defrauded by telecommunications, and find high-risk users, they will verify them by phone to avoid customers being deceived; at the same time, increase Delayed lending function, delaying lending for potential scam customers, giving customers a reaction time.
Xiaomi Finance issued an information reminder, "The funds drawn from the online loan platform belong to credit consumer loans and are liabilities under their own names. Anyone who claims to be a customer service of the online loan platform and requests cash withdrawal is a liar."
The term "campus loan" is no stranger to many deceived people. Many people still remember the posters on campus that suggested the risks of campus loans, and also saw news on the Internet that students died because of the high debt of campus loans.
In April 2016, the Ministry of Education and the China Banking Regulatory Commission jointly issued the "Notice on Strengthening the Prevention of Bad Network Borrowing Risks and Education Guidance on Campus", requiring universities to establish a daily monitoring mechanism and real-time early warning mechanism for bad network borrowing on campus. On September 6, 2017, many departments clearly banned the campus loan business, "any online loan institution is not allowed to issue loans to college students."
What makes these deceived people feel scared is the leakage of information. Many people told reporters that even after they received the call, even if they were suspicious, when the other party could accurately report their identity information, they still could not help believing that their identity information had been stolen and entered the trap.
Some scammers can clearly report their enrollment time, registration time on a financial platform, or even the latest order placed on a shopping platform on the phone.
Someone told those “deregistration specialists” that they had never registered on these Internet finance platforms, but the other party said affirmatively: “You should have leaked information while you were a student, or your teacher or classmate may have used the information to register” .
"I'm just afraid that someone will actually use my information to register for a campus loan, so I will trust him only after the scammers have revealed my ID number and the classes in the college or even the courses during the school." Memories Starting from the process of being cheated, Wang Ming (pseudonym) said.
In March of this year, when he received a fraudulent call claiming that he had a campus loan account, he was still dubious, "Doesn't I need to verify my account registration? How can I open an account casually?"
The other party did not directly respond to his query, but accurately stated the school, college and class he had previously attended, and also knew that he had taken a public course three years ago, and said the information was the information of some campus loan platforms. I learned it during school promotion and registered a campus loan account with it.
Lin Yi (pseudonym) knew how many bank cards she had when she was tricked into transferring money. In order to avoid being restricted by the daily transfer limit of the bank card, the other party asked her to split the remittance to less than 5,000 yuan each, and use different bank cards to remit. When she said that she had no more bank cards available, the other party would also remind her: "Don't you still have a bank card?"
What really awakened her was a customer service call from “Party Loan”, reminding her to confirm whether to operate for herself, then she realized that she had fallen into a scam.
Zhang Fu (pseudonym), who was deceived by about 40,000 yuan, remembers that he was "failing" for several days after the report. "I thought I was an example, and I was fooled by bad luck." It wasn't until she saw the status of some classmates in the WeChat circle of friends saying that she had received such fraudulent calls, she realized that this was not her own experience. "Looking at the response, more than 20 people received the call."
She has been working for a year now and still uses her college phone number. She heard that three girls in a dormitory in her college received this type of fraudulent call, and most people who received such calls continued to use their previous phone numbers after graduation.
The police in a place in Fujian, which had destroyed a fraudulent den of "canceling school loan accounts" in February, told reporters that in their investigation, these telecommunications scammers had two main ways to obtain information. "One is that some online hackers will specifically attack campus websites. Because our current campus websites are basically weak, it is easy to be hacked, and then they (scammers) will find the hackers to get the personal information of these students. . The other is to find a vendor who sells this information. "
Never say "loan", just emphasize "amount" repeatedly
During the operation, the constant urging sound from the phone and the elaborate "talk" also caught many people off guard.
A deceived person once questioned when the first call was made by "Logout Customer Service" and asked "Can you make a phone call to verify". The other party told her that "the time is limited, I will give you 10 minutes to verify." She was a little panicked at the time and called Jingdong Financial's official customer service phone, but could not quickly transfer to manual customer service. In less than 3 minutes, the other party has called and has a strong tone: "Do you want to do it or not? Wait for it. In a few days, check your credit report. It will show that you have a campus loan account."
When another deceived person proposed to "stop" halfway, the other party claimed to be a "first-class customer service", felt that her things were "difficult", and called a "manager" to provide "more advanced services." When she felt "too troublesome" and repeatedly said that she "don't want to do it again", the other party insisted on calling an "IT director" to connect with her, and the three took turns chatting with her. The other party also warned her to "blindly hang up the phone, and the system detection will conclude that you are not logging off by default." When she is obedient, the other party has been "kindly" reminding her not to use online loans. If it affects credit reporting, it will be very troublesome to work and buy a house after graduation.
The deceived person Liu Yun (pseudonym) concluded that the other party's words were very clever, never saying "loan", but repeatedly emphasizing "amount". Under the direction of the other party, she transferred 12,000 yuan from Xiaomi Finance. The other party reminded her to check her own app, saying that "Your 2000 quota" has been reduced to zero. When she told the other party that there was a limit of 40,000 yuan in the "borrow", the other party seemed to care nothing, but emphasized that "your limit of 40000" needs to be "emptied."
After Li Fang called the police, the police told her that the tracing cell phone number beginning with 162 may be located at the border between China and Myanmar, and the amount she transferred to the other party's bank card was also quickly transferred away.
She can only help her family to help her pay off loans from several financial platforms.
"I had never thought of lending on so many platforms before." Li Fang said. She recalled that at the time when the loans were made by these platforms, the platform did not verify her identity information. Some platforms only need a mobile phone verification code to lend. Only a few require her to hold an ID card to take pictures.
Liu Yun still dare not tell her mother the fact that she was deceived. She just paid off the loan of 52,000 yuan.
On the day of the report, she first called Alipay's customer service, and after providing the filing certificate, she applied for an extension of 6 months to repay. Xiaomi Financial's customer service told her that “after the settlement, she can apply for interest-free with the certificate of filing,” but she is now unable to pay off in time and can only do some odd jobs to make up for the funding gap.
What makes them feel aggrieved is that when posting the fact that they were deceived on the Internet, some people misunderstood the reasons for their deception and accused them of being "deceived because of the campus loan".
A scammer sighed: "I didn't expect to escape the online loan, the MLM, or the scam."
China Youth Daily · China Youth Network reporter Jiangshan Source: China Youth Daily