SMS fraud case

Never doubt the ability of a liar, it is indeed possible. For example, your bank card suddenly added an unexpected wealth one day, and you must be ecstatic. Anyway, I must be, but you should be careful at this time. This may be the latest scam, probably because your personal information has been leaked.

Two days ago, the information leakage in Xue Tong attracted many people's attention. Just yesterday, QQ was thunderous. Many people speculate that this has something to do with Xue Tong's personal information disclosure. Although Xue Tong found no evidence of user information leakage through official micro-response, netizens didn't buy it. Don't talk about this specific matter today, just wait for the public security department to investigate.

Let's talk about the possibility that personal information may be leaked by online loans.

Look at a new fraud case:

Recently, Xiao Zhao, a classmate, received a short message while eating in the school cafeteria. This is a reminder from the bank, and the message recorded 6000 yuan. Xiao Zhao asked many people who didn't know. Not long after, I received a short message from my sister, saying, "I transferred the wrong account."

Sister liar: Sorry, I transferred a sum of money to your bank card by mistake. Please check your bank card to see if 6000 yuan has been transferred.

Xiao Zhao: Yes, 6,000 plots of land have indeed been transferred.

Sister liar: Well, I was working in a bank at that time. I made a mistake because I was too old to have an operation. I'm really sorry. This 6000 yuan is my son's tuition. Because of family difficulties, the money was also borrowed from several talents. Can you transfer it to me?

Classmate Xiao Zhao: Don't worry, Sister. I'll transfer right away. I can't delay the children's studies.

Liar elder sister: Thank you, I really appreciate it.

Classmate Xiao Zhao: You're welcome. We are students. We understand.

Under normal circumstances, many sympathetic friends will definitely transfer their accounts in this way, which is not their own.

After half a month, his painting style suddenly changed. Xiao Zhao received a strange phone call saying that he borrowed money from their platform for 15 days, with a principal of 6,000 yuan and a monthly interest rate of 2%. He asked for repayment today, with a total principal and interest of 6060 yuan.

Xiao Zhao was stunned. Half a month ago, he suddenly thought of "transferring the wrong account". He felt something was wrong and decided to call the police. The police then learned about the situation from the online loan company. Half a month ago, someone did apply for a loan of 6,000 yuan with Xiao Zhao's personal information.

It turns out that this is a scam. The swindler first obtained Xiao Zhao's detailed personal information through illegal channels, and applied for a loan on the online lending platform in the name of Xiao Zhao. But here's the problem. If you apply for a loan, you must deposit it in a bank account in Xiao Zhao. Subsequently, the swindler asked Xiao Zhao to transfer the money to himself under the pretext of "transferring the wrong account" ... a perfect closed loop.

I was very careful, but I didn't expect to be cheated by the new scam in the end. Remember the following three steps of new fraud:

1. Liars obtain personal information of victims through illegal means;

2. The swindler lends money on the loan platform in the name of the victim;

3. Liars use some human weaknesses to make up appropriate reasons for transferring the wrong account, so that the victims can transfer the money to themselves.

What if it is really a "loan"?

Legally speaking, there is no need to panic, because the Law on the Administration of Identity Cards stipulates that if you use a certificate that is not your own, the handling unit will approve it without examination. In case of loss, the unit will bear the responsibility. Also, if the personal identity is fraudulently used by a liar, the liar will bear the responsibility, and the person who steals the information will not bear the responsibility.

If you encounter an extra sum of money in your bank account and the other party asks you to return it, you must find out the source of the money. You can check it through mobile banking or bank counters.

Of course, the disclosure of personal information has been "loaned by online loans", but it is rare, because face recognition and verification code are basically needed to handle loans now. As long as you stay alert, you don't have to worry too much. It was a real success. Keep transfer records. Call the police if you need anything.

Remind everyone to pay attention to a few points, which can protect everyone's personal information from being leaked:

1, don't just register an account on an unknown website;

2. If you need to provide a copy of your ID card, you should indicate the purpose. If it is only used for handling xx business, it is invalid. And must sign within the scope of identity card information;

3. It is very convenient to log in to the Credit Information Center of the People's Bank of China regularly to check the credit information, so that you can master your own credit status and avoid undiscovered online loan records.

4. Don't bind any of your personal information when enterprises use public mobile phones.

Remember, don't listen, don't believe or transfer money, beware of telecom fraud! If you feel that you have encountered telecom fraud, please call the anti-fraud center as soon as possible.