Why did Alipay charge me for fraudulent loans?

Don't trust AliPay's real-name registration, let alone believe it. This is a new scam. Don't trust the collection phone easily. If you receive a reminder call, don't disclose personal information.

Alipay fraud routine: 1. Use the victim's personal information to win people's trust. The victim received a phone call claiming to be the customer service of a financial service institution, and the other party accurately informed the victim of the relevant information, saying that the country now has a policy to regulate student accounts. Next, the liar will teach the victim to inquire about the so-called "student account". In fact, it is to inquire about the "loan" amount to grasp how much money users can borrow. 2. Clearing the "student account" is actually defrauding the user of the loan. Next, the liar claimed that the "Alipay student account" was cleared, but in fact, the loan amount in the "loan" was lent and turned into cash to defraud the user's loan. Then trick the victim into transferring the borrowed money to his account. 3. Fictitious filing information, using UnionPay SMS operation. After receiving the SMS with verification code and successfully transferring the money, the victim sends a message to China UnionPay 955 16. The content of the short message is to write down the so-called "active cancellation of student accounts" according to the requirements of scammers, and ask China UnionPay to return the transfer to the "loan" account, so as to "record" China UnionPay.