Someone was cheated of tens of thousands of yuan in the imitation loan app
□Dahe Daily·Dahe Finance Cube reporter Pei Rong Rong
There are always some "routines" that catch people off guard.
Recently, Dahe Daily and Dahe Finance Cube received reports from many consumers that they downloaded a certain loan app through SMS links or social software links, but they did not expect that not only did the money fail to be loaned, but they were also used in the name of certification fees and defrosting fees. , Cheated a lot of money.
What the hell is going on?
>>Many people were deceived
In May of this year, Mr. Zhang from Lankao County, Henan Province received a text message stating that 98,000 yuan was waiting to be claimed. Enter the link to confirm the withdrawal.
Because his family was in urgent need of money, Mr. Zhang clicked on the link to download an app called "Central Plains Consumer Finance", filled in his ID card, bank card and other information, and submitted a loan application of 100,000 yuan.
Unexpectedly, something happened.
"A customer service on the App asked me to add a QQ. After adding it, the other party said that my card number was wrong, and the borrowed 100,000 yuan was frozen. I was required to submit 20% of the loan amount within 1 hour. The matching fee of 20,000 yuan will be thawed for certification. After the thawing, the loan of 100,000 yuan and the certification fee of 20,000 yuan will be credited to the account together." Mr. Zhang said.
Although Mr. Zhang repeatedly confirmed that his card number was not filled in wrong, the other party insisted on making a mistake. In the end, after Mr. Zhang gave the other party a "authentication fee" of 20,000 yuan, the bank card account on the App showed the change, but Mr. Zhang tried to withdraw again. Still unsuccessful, the reason is "operation error, you need to submit 50% of the amount (that is, 60,000 yuan) again, and perform a second authentication to unfreeze."
"I also raised a question and asked to pay the certification fee the next day, but the other party said that it needs to be processed on the same day, the contract or something is already there, and has already applied to the manager to extend the payment before 6 pm on the same day, otherwise 12. Ten thousand yuan will be permanently frozen." Mr. Zhang said, "I can't help it either."
Under the layers of "routines", Mr. Zhang successively transferred 80,000 yuan of "authentication defrosting fee" to several accounts provided by the customer service within two days, but the customer service suddenly disappeared and could not be contacted.
According to a report by CCTV Finance on June 7, Mr. Liang who was also "routine" was also a loss of 32,000 yuan.
"The other party has been fooling me to transfer money, and saying that I don't cooperate will affect my credit investigation, and I can't take public transportation, and travel will be affected." Mr. Liang said.
>>"Lee Ghost" App emerges endlessly
In fact, there is indeed a "Central Plains Consumer Finance Company" and its corresponding App. It is the first and currently the only licensed consumer finance company approved by the China Banking and Insurance Regulatory Commission in Henan Province. It is headquartered in Zhengdong New District, Zhengzhou City. .
But did Mr. Zhang and Mr. Liang meet "Li Kui" or "Li Gui"?
With this question, the reporter interviewed relevant personnel of Zhongyuan Consumer Finance Company.
After verifying the download link, the other party stated that the apps downloaded by Mr. Zhang and Mr. Liang were not official apps, and were highly imitation apps forged by criminals.
The reporter noticed that, in order to verify the authenticity of his identity, the so-called "customer service personnel" of Gaofang App forged "business license", "work permit" and "ID card" and other documents, which can almost be faked and even covered with "China Banking Insurance". The so-called “official document” with the seal of the “Supervision and Management Committee”.
"If you are not a professional, as a consumer, it is really difficult to distinguish the flaws from the appearance. The icons look almost the same, but the content and function settings inside are obviously different after opening." Shao, deputy general manager of Zhongyuan Consumer Finance Corporation Hang said that since March of this year, the company has successively received about 2,000 consumer inquiries about "being fraudulently defrauded by criminals." The company immediately issued consumer reminders and reported the case to the local public security agency.
In this regard, the company attaches great importance to the popularization of relevant knowledge to the consumers who call, and prevents many consumers from being deceived.
However, some consumers who did not consult have suffered economic losses.
The reporter noticed that since the beginning of this year, "Central Plains Consumer Finance Company" has issued multiple statements regarding the illegal use of the company's name and logo on the "Central Plains Consumer" and "Central Plains Consumer Finance" apps, and the use of app names similar to the company's name to deceive consumption. The behavior of the author has been reported to the public security organs, and further measures will be taken to protect the legitimate rights and interests of the company.
Shao Hang said that all online loans that charge fees before lending are often scams and need to be more vigilant.
Xiangbing, a policeman from the Anti-Fraud Center of the Zhengzhou Public Security Bureau, said that this is a very typical loan fraud. The fraudsters usually pretend to be well-known and formal financial institutions and use "ultra-low interest rates and no mortgage" as bait to obtain consumer deposits first. , And then defrauded the unfrozen gold on the grounds that the bank card information was incorrect and the funds were frozen.
According to a CCTV financial report, although these counterfeit apps have basically the same appearance as the real ones, the cost of counterfeiting is extremely low. Generally, a front-end framework can be built in less than a week.
Moreover, many imitation apps use overseas IP addresses, which brings great difficulties to tracking.
In fact, it is not only the Central Plains Consumer Finance Company that has been replaced by "Li Gui".
According to the monitoring data released by the National Internet Financial Risk Analysis Technology Platform, as of the end of February this year, 48,100 Internet financial counterfeit websites were found, with 120,000 victims; 2,801 Internet financial counterfeit apps and 33.437 million downloads of counterfeit apps.
>>Henan multi-department emergency reminder
In response to the endless online financial fraud methods, many departments in Henan issued reminders.
Henan Anti-fraud Center reminds: Online loans are paid first, online customer service voluntarily refunds the original channel, netizens take you to invest in wealth management and gambling, public prosecutors or public officials require transfers to prove innocence, online part-time job brushing a large amount If you want to transfer or remit money by impersonating the public security law, it may be a telecommunications network fraud. Please call 96110 to verify.
If you are not credulous, don't transfer money, don't disclose, if you find that you have been cheated, please call 110 immediately.
The Local Financial Supervision and Administration Bureau of Henan Province solemnly reminds: There is a shortage of funds for entrepreneurship and innovation, and loans must be sought from regular troops.
Don't trust the intermediary to fool you, personal information is important.
Do not use fake software, and beware of unidentified links.
Was awakened only after being deceived, how can the pie fall in the sky?
How to prevent and prevent more people from being deceived?
Shao Hang shared three screening suggestions:
1. The formal online loan platform will not charge any fees during the credit review process. The so-called associated certification fee, performance insurance fee, security deposit, bank card unfreezing fee, etc. are all pretexts for fraudsters.
2. The customer service of a formal financial service platform will not contact users through unofficial channels (personal WeChat, personal QQ), nor will they ask for personal information and verification codes from users. In the case of unofficial customer service contact, you must pay attention to checking the other party Identity, don’t transfer money to unfamiliar personal accounts.
3. When downloading the App, be sure to choose the official official software, be sure to download it on the official application platform, and do not easily click on the application supplier, link and QR code of unknown origin to download and install the software.
"In our daily work, we will also use online knowledge popularization and offline public welfare promotion to enter communities, office buildings and other scenes that are closely related to residents' lives, to popularize financial knowledge of'preventing financial scams', and strive to improve through multiple channels. Consumers' financial literacy and risk prevention awareness." Shao Hang said.
In an interview with CCTV Finance, Deng Youjun, a technical expert from the Information Security Department of the Tyre Terminal Laboratory of the China Academy of Information and Communications Technology, said that consumers had better avoid downloading apps from social software or SMS or QR code links.
Don't leak personal information easily, don't transfer your own money through your personal account, and don't transfer money outside the scope of the App.
>>What if you are recruited?
What should I do if I accidentally "success"?
Hu Zhenzhen, a lawyer from Henan Wenfeng Law Firm, told reporters: “Internet fraud is a crime of fraud. However, due to technical means, it is difficult to detect and solve the case. If you find that you have been scammed, you must keep the transfer receipt as soon as possible. Report the incident to the local police station immediately."
Xiangbing reminded that if banks and regular financial institutions encounter the suspicion of "fraud obtaining loans" from the lender, they will directly report to the police or file a lawsuit to the court, and will not issue a separate notice for freezing funds to the lender, because the bank has no law enforcement power.
If you encounter such a case, the victim should save the other party's bank account information, do not delete the software for the time being (the police will extract the relevant data), and immediately call 110 to report to the police.
If the victim calls the police in time and the other party has not withdrawn the funds, the bank can freeze the funds in the fraudulent account.
At the same time, after the victim reports to the police, the police will take measures on the accounts involved. The accounts involved cannot handle non-counter business within 48 hours, which can also buy valuable time for the police to handle the case.