Anti-fraud tips for money and goods! "Pretending to be an official APP" fraud requires high vigilance

Recently, Mr. Chen of Guangxi received a short message unexpectedly, which read: Dear users, thanks to your good credit, you have obtained a loan line of 200,000-200,000 yuan. Click on the link to receive and return to t to unsubscribe. Mr. Chen was in urgent need of money, so after clicking the SMS link, the mobile phone interface jumped to download an app, showing that he successfully installed the application "* * loan". Subsequently, Mr. Chen opened the application and entered the mobile phone number and mobile banking password to log in. The page shows that you can apply for a loan of 654.38 million yuan. Mr. Chen then believed it, contacted the "customer service" of APP according to the prompt, and transferred the card number provided to the other party to the "pre-loan service fee" of 3,000 yuan. As a result, Mr. Chen later found that he could no longer contact the "customer service" and realized that he had been cheated.

Not only in Guangxi, but also in recent years, fraud cases of "pretending to be a formal loan app" have frequently occurred in many places across the country. Fraudsters use high loans as bait to trick customers into downloading and installing fake bank/loan apps through SMS/phone/official staff. Then, fraudsters use fake apps to steal customers' mobile phone numbers, card numbers, bank passwords and other information, and then try to steal customers' funds. Set up a loan item in a fake APP to induce customers to contact online customer service, and then induce customers to transfer money to the account provided by them in the name of so-called "cost", "service fee" and "unfreezing fee", and then lose contact after receiving the money.

So how should we identify and prevent "impersonating customer service" fraud? Money and fraud push you to do this:

First of all, look for the logo of the real loan app, such as the logo, and you can contact the official customer service to verify it. The formal loan platform will not use QQ, WeChat and other social chat software to contact users for loans. All operations can be completed through the formal real loan app without the so-called QQ WeChat customer service guidance.

Secondly, the fake customer service will pay great attention to the victim's money, and use various ordinary or special channels such as SMS/phone/official staff/WeChat transfer or need credit card information and a series of verification codes of credit card users. Key words such as loan/transfer/cash withdrawal by credit card/preferential prepayment will appear in the communication process. At the same time, the scammer claimed to be the official customer service, but contacted the user to apply for a loan through private phone, QQ and WeChat.

Moreover, truly formal officials do not charge any pre-loan fees, and they can borrow as much as they want. Personal contact, deposit collection and loan commitment are all frauds. Please don't believe it. In addition, credit products are directly linked to personal credit information, and the amount of formal credit products is comprehensively evaluated by the system and cannot be manually intervened. It is fraudulent to claim that people can raise the amount.

In addition, once you are cheated, don't panic, you can do this:

1. Keep the evidence and don't delete anything. Such as phishing websites, APP, call records, SMS records, WeChat /QQ chat records, payment accounts of scammers, payment codes, bank card numbers and names, set call forwarding phone numbers, etc.

2. Call 1 10 for help as soon as possible, provide the card number and name of the fraudulent bank, and apply for emergency payment stop. The police will freeze the accounts involved and try their best to prevent the transfer of defrauded funds.

3. Report the case to the public security organ, provide relevant evidential materials and make records.

4. Check the security of the mobile phone and uninstall the APP of unknown origin.

5. Note that if call forwarding has been set, the mobile phone will dial after entering "##2 1#" to cancel call forwarding.