Chinanews.com, January 19th. According to the website of the Supreme People’s Procuratorate, the Supreme People’s Procuratorate and the Ministry of Public Security have recently jointly released 5 typical cases of false credit reporting fraud, in-depth exposure of criminal methods, suggestions for preventing and identifying fraud, and effectively safeguarding the legality of the people. rights and interests.
Since the second half of 2022, cases of false credit information telecommunication network fraud have occurred frequently across the country, and it has become one of the main types of telecommunication network fraud, causing serious losses to the people.
In such cases, fraudsters often pretend to be the customer service of the Internet financial platform, falsely claiming that because the country issued a credit investigation policy, the victim was required to close the financial business applied for on the platform, lower the loan interest rate, or cancel the application as a student on the platform. Campus loans, etc., otherwise it will affect the credit record.
Fraudsters use this to induce victims to download online conference software and share their screens, and carry out fraud by distributing multiple roles, etc., and gradually trick victims into transferring their own funds or loans applied on the network platform to designated accounts controlled by fraudsters .
The Supreme People's Procuratorate and the Ministry of Public Security have further strengthened the crackdown on fraudulent crimes such as false credit reporting, and the whole chain has cracked down on criminals who illegally provide personal information, handle phone cards, and set up GOIP equipment for fraudsters, and continue to release signals of severe punishment .
At the same time, in response to the fact that some telephone numbers are frequently used for fraud, the Supreme People's Procuratorate, the Ministry of Public Security, and the Ministry of Industry and Information Technology jointly interviewed their communication service operators, demanding that they effectively fulfill the main responsibility of anti-fraud and strengthen risk prevention and control. Strengthen the interception and disposal, and cooperate with the investigation smoothly.
In view of the frequent impersonation of customer service on some Internet financial platforms, relevant platforms are required to warn of risks in a timely manner, improve risk control levels, and build a strong line of defense against fraud.
Relevant persons in charge of the Supreme People's Procuratorate and the Ministry of Public Security stated that procuratorial organs and public security organs at all levels will fully implement the spirit of the 20th National Congress of the Communist Party of China, conscientiously implement the Anti-Telecommunications Network Fraud Law, and always maintain a high-pressure crackdown on telecom and network fraud crimes. Protect the property safety and legitimate rights and interests of the people.
As the Spring Festival is approaching, the Supreme People's Procuratorate and the Ministry of Public Security jointly issued typical cases of false credit reference fraud and fraud prevention warning safety tips, hoping that the general public will further enhance their awareness and ability to recognize and prevent fraud, so that they can feel at ease during the festival and prevent being cheated.
Anti-fraud warning security tips
1. Seriously verify the customer service calls of the Internet platform
Internet platform customer service will not use personal mobile phone numbers or other unofficial social methods to contact customers.
When receiving such calls, you must be vigilant and do not easily disclose personal information; if you have any questions, you can directly call the official customer service number of the platform for verification.
2. Resolutely refuse the request to close or cancel the account on the grounds of affecting credit investigation
Personal credit information is managed by the People's Bank of China and its dispatched agencies, and no institution or individual has the right to delete or modify it.
3. Respond cautiously to the request to add friends to share the screen
Adding friends to share the screen is a fixed routine for false credit reporting fraud. Do not easily download video chat or screen sharing software to chat with strangers, let alone perform bank account operations on the shared screen to prevent personal information from being leaked.
4. It is strictly forbidden to transfer money or borrow money to strangers
Resolutely ignore requests from strangers to operate transfers or loans, and refuse to disclose personal information such as personal ID numbers, bank accounts, verification codes, and passwords.
Typical cases of false credit reference fraud
1. Fraud method 1: cancellation of campus loans
In January 2023, Mr. Hu received a call starting with 192. The scammer claimed to be a staff member of a financial platform and asked Mr. Hu whether he had opened a student loan account while he was in college. Student loan accounts for college students, otherwise it will affect personal credit.
According to the requirements of the scammers, Mr. Hu downloaded the video conferencing software and turned on screen sharing.
Through Mr. Hu's inquiry operation on the financial platform, the fraudsters have mastered his deposit situation.
The fraudsters claimed that Mr. Hu still had deposits on the platform, and he needed to transfer all the deposits to the other party's special account before he could successfully cancel it, and the money would be refunded in full after the cancellation.
According to the requirements of the fraudsters, Mr. Hu successively transferred more than 60,000 yuan to the designated account.
2. Fraud method 2: Reducing the loan amount
In December 2022, Ms. Deng received a call pretending to be the customer service of the charging platform. The scammer said that Ms. Deng's loan amount on the platform was abnormal and did not comply with the regulations of the China Banking and Insurance Regulatory Commission.
At the request of the scammers, Ms. Deng downloaded the video conferencing software and turned on the screen sharing function.
The fraudsters mastered Ms. Deng's loan and loan amount through Ms. Deng's inquiry operation.
Fraudsters claim that because the quota is too high, the China Banking and Insurance Regulatory Commission suspects that it is used for illegal purposes, so they need to borrow from the platform to clear all the quota, and transfer the loan to the account of the China Banking and Insurance Regulatory Commission to verify the legitimacy of the funds, and wait until the quota is cleared After that, the money will be automatically added to the platform.
Ms. Deng believed it was true, and transferred more than RMB 510,000 to the so-called "safety account" provided by the fraudsters after borrowing money. Afterwards, the fraudsters still asked Ms. Deng to find a friend to borrow money and continue the transfer.
3. Fraud method 3: Eliminate bad records
In January 2023, Mr. Feng received a call from a landline. The scammer claimed to be the customer service of a financial platform, and accurately stated Mr. Feng's name and occupation, and said that Mr. Feng had borrowed money on the platform and had breached the contract. Personal credit has been affected.
Mr. Feng had indeed borrowed money on this platform before, so he believed it.
Subsequently, the scammers sent Mr. Feng a counterfeit "credit inquiry" website and induced him to seek help from the "official customer service" on the website.
The "official customer service" stated that Mr. Feng currently has bad credit reports, and the loan amount of each online loan platform must be cleared as soon as possible, and the loan should be transferred to a special account to check the ability of funds before the credit report can be repaired.
Mr. Feng successively borrowed money and transferred more than RMB 540,000 to the account designated by the fraudsters until he found out that he had been cheated.
4. Fraud Method 4: Cancellation of loan accounts
In December 2022, Mr. Liu received a landline call. The scammer claimed to be the customer service of an e-commerce platform, saying that Mr. Liu had opened a loan function on his platform. Because the annual interest rate of this loan product was too high, it was classified as high by the state. The interest online loan has been requested by the China Banking and Insurance Regulatory Commission to be taken off the shelf for rectification. Mr. Liu needs to cancel the loan account, otherwise it will affect personal credit investigation.
The fraudster added Mr. Liu's contact information and sent a fake red-headed notice from the China Banking and Insurance Regulatory Commission to Mr. Liu.
Mr. Liu believed it was true, downloaded the video conferencing software at the request of the scammers, and contacted the customer service of the so-called risk control department.
The fraudsters claimed that Mr. Liu's credit score was too low, and he needed to clear the loan records of several online loan companies, otherwise he would not be able to cancel the loan account on the platform.
The fraudsters then induced Mr. Liu to borrow more than 140,000 yuan from multiple lending platforms by sharing the screen, and transferred them to the designated account.
5. Fraud Method 5: Deduction of liquidated damages and interest charges
In January 2023, Ms. Wang received a landline call. The fraudster claimed to be the customer service of a financial platform, claiming that Ms. Wang had a loan line of 200,000 on his platform. letter.
The scammers claimed that they could help logout, let Ms. Wang download the video conferencing software, and turn on the remote control function.
The fraudster remotely operated Ms. Wang's mobile phone, falsely claiming to help Ms. Wang clear the loan line, but actually borrowed money on the financial platform, and directly withdrew cash to the designated bank account, defrauding more than 170,000 yuan.