Someone gave you a wrong turn of20,000 and asked you to turn back. Why do you say that you must not rush back?

People with a little common sense can see through it at a glance, and there are two doubts:

1, when transferring money to a bank card, the card number and name must match. How do strangers know your card number and name?

I contacted you as soon as I transferred the wrong account. How did the "stranger" know your contact information?

So, for you, the other person is your "stranger"; But for him, he knows your information like the back of his hand, and he has set a trap for you to go in.

If one day you receive "windfall", someone immediately calls and says that the transfer is wrong and asks you to transfer to the card number provided by him. What will you do at this time?

I believe that most people will not hesitate to look back at the first time, so don't make people wait too hard, because:

On the one hand, from the perspective of virtue, "I found a penny by the roadside and gave it to the police uncle" is a traditional virtue. That's how nursery rhymes are sung, and that's how we were taught since childhood. Don't say 20 thousand dollars, even 2 dollars can't be lost;

On the other hand, from the perspective of "law", it is "unjust enrichment" and the court will decide that it must be repaid; If the amount is large and the circumstances are bad, and you refuse to return it, it may also constitute a crime of embezzlement and bear criminal responsibility for fixed-term imprisonment of not more than five years, criminal detention or public surveillance.

Therefore, taking the initiative to return goods is the only choice, but we should remind everyone that it is ok to return goods, but we should pay more attention to it and not rush to return goods. There are many new fraud methods, so don't fall into the trap set by swindlers.

Tell a real case shared by Shantou Public Security Bureau in September this year, and you will understand a thing or two:

Xiao Liu, who is studying in college, suddenly received a short message reminding her that one day her bank card reached 6000 yuan. Xiao Liu was at a loss and asked all his relatives and friends, "Who transferred it?" Friends and relatives all said that they did not transfer money to Xiao Liu;

Just as Xiao Liu was wondering, a phone call came in. The other person is a lady, and her tone sounds impatient and worried. She "carefully" asked Xiao Liu if she had received a sum of 6,000 yuan, saying that the money was for her son's tuition. She accidentally transferred it to Xiao Liu's card and asked if she could return it.

Hearing this, Xiao Liu had to do this good deed. We can't let people wait too hard, so we quickly transferred the card number provided by the lady to 6000 yuan.

I thought I did a good deed, but I don't think so. Half a month later, Xiao Liu received a phone call from a loan platform and asked Xiao Liu why the loan was not repaid when it expired.

Hearing this, Xiao Liu was puzzled. "When did I get a loan?" ?

"Half a month ago, you borrowed 6000 yuan from our platform, the interest rate was 2%, the term was 15 days, and the interest was 6060 yuan. Do you want to default? "

At this time, Xiao Liu realized that something was wrong, so he quickly called the police. After the police intervened in the investigation, it was found that someone borrowed an online loan on the platform with Xiao Liu's identity information half a month ago, and that 6,000 yuan was a loan, not someone else's wrong account.

Xiao Liu suddenly realized that this 6000 yuan was transferred from the company account, and Xiao Liu also gave the personal card number provided by the lady. If he had been more careful, he wouldn't have fallen into the trap set by the liar.

Having said that, everyone can understand the trap:

Xiao Liu's personal information was accidentally leaked, including identity information and bank card information; After the scammer mastered Xiao Liu's information, he borrowed money from the online loan platform by applying his information, and the money was transferred to Xiao Liu's card; The swindler then called Xiao Liu to return the arrears to the designated account on the grounds of "transferring the wrong account", and finally it was Xiao Liu who suffered.

This case also reminds us that we must protect our personal information and never disclose it. If we receive the contact number of the "stranger" who has transferred the wrong account, don't return it in a hurry. The correct step should be this:

First, check whether the other party's account is a personal account or a Gong Hu account, and see if there are any transfer notes, such as "loan", "current account" or others. If necessary, you can go to the bank to inquire about the relevant information of the other party's account;

Second, don't rush to call back after receiving the call, but at the same time, in order to avoid "unjust enrichment", you can call the police first and make it clear that you will call back, but you must understand the whole story;

Third, after the bank and the police verify clearly, it is indeed a "wrong transfer", then the relevant money will be refunded under the witness of the police, so don't make your own decisions;

Fourth, if you are cheated, keep relevant evidence, such as the other party's transfer record, return transfer record, the other party's contact information, relevant chat evidence, etc. In order to recover the cheated money in the future.

Write at the end: Don't be ignorant of your money, but be more careful at the same time. Don't be a "good person" in a hurry. You must find out before you can refund the relevant money, especially near the end of the year, and new fraud methods are frequent. Anyone involved in money transactions must be careful.

At the same time, everyone must pay attention to protecting personal information in their daily work and life to prevent it from being used by criminals!

Once you are not the victim, call the police immediately. No matter what happens, you will not be discredited if the public security is involved.

Second, we should be cautious in everything such as remittance and take good care of our property. There can be no harm to others, and there can be no prevention.

As a bank employee, I must remind you carefully: someone else transferred you the wrong 20 thousand yuan, so don't rush back without permission.

Your best way is to call the police immediately and let the police decide how to solve it.

Otherwise, turning back without authorization may face active participation in money laundering crimes and legal sanctions.

1. This is really a mistake.

Transfer money now. If it is a bank card transfer, the card number and name need to be the same.

Bank card number, the other party may have misremembered several numbers, which is exactly your bank card account number. And if you want to change the other person's name, it's the same as you.

This probability can be said to be very small, but it does not rule out that there is no.

If someone else really makes a mistake, you can turn it again without any dispute.

But for the sake of safety, there will be no trouble in the future. Before you transfer back, you need the other party to provide proof of transfer. Let the other party prove that they really turned around.

2. The other party uses your account to launder money.

This probability is still quite large.

The other party doesn't know where to get your name and bank card information, and uses your bank card account as a transit point to achieve the purpose of money laundering.

In this case, it is likely to be an acquaintance.

If you transfer the money back hastily, it is equivalent to participating in the crime of money laundering.

Once the judicial organs follow up, they will definitely find your account. At that time, you were really dumb to eat Rhizoma Coptidis, and you couldn't tell how bitter it was.

You have no idea how much energy and time it takes to prove your innocence.

After the transfer, there will be a handling fee or something, and it will be over.

You tell the police that this is a handling fee, and the police will think it is a reward for your active participation in money laundering crimes.

You really jumped into the Yellow River, and you can't wash it off.

1. Don't keep it for yourself.

Ill-gotten wealth is not desirable, so don't have the idea of keeping it for yourself.

If someone else makes a mistake, you don't pay back the money. That is unjust enrichment, which is illegal and criminal.

Article 92 of the General Principles of Civil Law of People's Republic of China (PRC) stipulates that if improper benefits are obtained without legal basis and losses are caused to others, the improper benefits obtained shall be returned to the person who has suffered losses.

Article 270 of the Criminal Law stipulates that whoever illegally occupies another person's property in the name of another person and refuses to return it in a large amount shall be sentenced to fixed-term imprisonment of not more than two years, criminal detention or a fine.

If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than two years but not more than five years and shall also be fined.

Whoever illegally takes forgetting things and buried objects of others for himself and refuses to hand them over in a large amount shall be punished in accordance with the provisions of the preceding paragraph.

You refused to return to the wrong turn. As long as someone else calls the police with a transfer voucher, you can't run away if you report it correctly.

2. Call the police for the record and let the police handle it.

Why should we call the police and let them handle it?

Because you really can't tell whether the other party made a mistake or deliberately used your account to launder money.

When you call the police and leave a record, you leave evidence for yourself, which can prove that you have not done anything illegal.

If the other party really did something wrong, just give it back to the other party.

If the other party has an illegal purpose, the police will pursue it, and you are not responsible.

So, call the police and let the police handle it, and you can stay out of it without worrying about any trouble in the future.

Forget about criminal punishment. Let's talk about the bank's punishment.

According to the latest regulations of the People's Bank of China, as long as a bank card is found to be involved in illegal and criminal activities, all bank cards under its name will be restricted from OTC trading for at least five years.

That is, all your bank cards can't be used except for withdrawing money and saving money at the counter.

No transfer, no credit card, no online shopping, no binding to any third-party platform.

Like we use WeChat and Alipay to scan the code to pay on weekdays. Once the bank card cannot be bound, the financial functions of WeChat and Alipay cannot be used.

In WeChat and Alipay, you can't even save a penny. The money transferred to you by other people's WeChat and Alipay, and the red envelopes sent to you are unacceptable.

Now that non-cash payment is so popular, you should use cash to do everything. It can be said that your life is doomed to be a mess.

Never lend your bank card to others, let alone sell it for a little money.

You can't afford the crime of bank card.

Remember, don't transfer the money back in a hurry Even if the other party contacts you, you must never do so. Just ask the other party to find a bank, or you may be in debt!

Because this situation is likely to be fraud, you ask the other party to call your bank's customer service number and let your bank intervene, even if you want to call back, you can't operate!

I think so:

First, in this era, both cash deposit and transfer processes need to check the account information of the transferee many times, and the probability of wrong transfer cannot be smaller! According to my years of experience, it is more likely to be fraud.

If it is fraud, the money you received is probably the money borrowed by the other party in your name. The other party stole your identity information and made an online loan. Once the money is lent, he will contact you, falsely claiming that the transfer was wrong, pretending to be sincere and pathetic, and finally tricking you into transferring the money to your card. This routine has appeared many times, so be careful.

Second, any transaction in the banking system can be reversed, that is, the successful transaction that has occurred within the validity period is cancelled and the money will be returned in the original way. If the other party mistyped the money, the normal operation is a reverse transaction initiated by the other bank or your bank, and it's not your turn to operate anyway!

Third, no matter what happens, you must never transfer money yourself. If someone contacts you, you can ask him to find his bank!

Fourth, although I don't know if you have this idea, I would like to remind you in a friendly way. If you really make a mistake, you can't keep it for yourself. In this era, any transaction through the bank is reserved and easy to check. Be careful of the lawsuit.

So, once this happens, you can tell him directly, and you can find our bank. If the other party is a liar, they will be blindsided. If it is really a mistake, the other party will really go to the bank to intervene. If not, call the police directly, and the police will know what is going on as soon as they check.

Not long ago, the official website of shenzhen public revealed a new type of scam to netizens, which made it clear what it was like to transfer money by mistake!

It is said that Xiao Liu, a college student, was playing with his mobile phone when he suddenly received a text message. At first glance, it is the posting information sent by the bank. According to the information, Xiao Liu has 6000 yuan.

Xiao Liu was both surprised and surprised. Surprisingly, he is a college student without any financial resources. How did such a large sum of money suddenly enter the account?

Unexpectedly, Xiao Liu asked all his relatives and friends around him, and they all denied that they had played. Xiao Liu is puzzled.

While wondering, the mobile phone received a short message from a stranger. The other party claimed to be the eldest sister. The elder sister sent a text message saying that she had just transferred the money to Xiao Liu's account because she was unfamiliar with the transfer process and made mistakes in operation, and said that the money was the tuition fee that she and her husband had worked hard for her son for several months. Please transfer Xiao Liu back.

Elder sister's words are sincere, and it can be seen that she is in a hurry. Liu Ye Jr. is a kind person, and he won't take possession of things that don't belong to him. So the enthusiastic Xiao Liu did not say anything, and returned the money according to the bank account provided by the eldest sister.

After finishing the work, Xiao Liu thought to himself that his "money is not lost" is to solve people's urgent needs. I thought it was over, but what people didn't expect was that the fun was yet to come!

About half a month passed, and Xiao Liu gradually forgot this urgent need. With the arrival of a dunning call, this "wrong turn" has turned over again!

One day, Xiao Liu suddenly received a phone call from a strange man. On the phone, the man said that Xiao Liu borrowed 6000 yuan from their lending platform half a month ago. The promised repayment date is 15 days and the monthly interest rate is 2%. Due today, you need to pay interest of 6060 yuan.

After listening to this, Xiao Liu was shocked. He has never borrowed money from any lending platform. He thought about it carefully and remembered the "transfer error" half a month ago. It should be a problem.

Xiao Liu is very wronged. He obviously helped with good intentions, but he ended up in debt. After the grievance, Xiao Liu decisively chose to call the police for help.

When the police checked, there was something wrong half a month ago. After more careful investigation, the scam was slowly uncovered.

It turned out that the money transferred to Xiao Liu that day was indeed the account of an online loan company, and it was also found that there was a loan record of 6000, which was credited to Xiao Liu's bank account.

Further investigation found that half a month ago, someone used Xiao Liu's identity information and bank card information to apply for a loan of 6,000 yuan on this online lending platform. After the loan enters Xiao Liu's account, it is convenient to contact Xiao Liu, beg Xiao Liu to do good deeds on the grounds of transferring the wrong account, and then transfer the money to the other account. So Xiao Liu was confessed by compassion, and what happened later.

At this point, the "wrong turn" scam is the truth! As for what to do next, let's leave it to the police uncle.

Anyone who wants you to transfer money is a liar ...! "

I believe many people have seen billboards or heard such broadcasts when walking in the streets and parks. Our police uncle often reminds us not to transfer money easily, and beware of being cheated!

So, back to the subject's question, it is similar to the case of "wrong transfer", then try to gain sympathy because you have "difficulties", let you put down your guard, and finally ask you to transfer the money back. It's basically a scam. At this time, you must be careful, don't be blinded by your kind sympathy, don't turn, and resolutely choose to call the police.

Also, the safest way is to tell the other party directly if you are worried that there is something wrong with the money and let the other party find your bank to solve it. Once the bank intervenes, the other party will panic and lose ground. The liar ran away. As for how the money came from, you can check with the bank how it came from and how it got back, so that you have no risk.

Finally, from the incident of Xiao Liu, we got a warning: Xiao Liu didn't protect his personal information at ordinary times, perhaps it was inadvertently leaked in a certain link, which led to the incident of the day. Therefore, in daily life, we must protect our personal information to prevent it from being used by criminals for illegal activities after being leaked.

It's rare that I can't help saying no. I have eaten it myself. My mobile phone didn't transfer money, but recharged the money to someone else's mobile phone account. At that time, the mobile phone card had no real-name authentication. When my wife and I were at home, someone invited us to a hotel for dinner, and the mobile phone showed that the balance was insufficient. The wife recharges her mobile phone account. The main reason is that the mobile phone card has no real-name authentication, otherwise the money will be gone if you fill in the wrong number carefully. Why did someone call you and say that 20 thousand yuan was transferred to your account by mistake and asked you to transfer it back? Why don't you transfer the money to him quickly? The reasons are as follows: First, he may be a liar. After 24 hours, he transferred the money to your account, and it is impossible for the money to enter your account immediately. If he can withdraw the money within 24 hours, you won't get the money. If that's the case, you don't have to pay back 20 thousand yuan, you can withdraw it yourself unless it arrives immediately. Now it can be said that this phenomenon does not exist. Second, why not transfer the money to him in a hurry? Because he is a liar, since the account is real, how could he transfer the money to your account? Just say the account is wrong, the name is wrong, unless his father transfers it to his grandmother's joke. Anyway, don't transfer money after receiving such a call. If he keeps calling you, he might as well call the police.

Someone transferred 20 thousand yuan to you by mistake, and even called you to transfer it back. If you really get the money back, it's probably someone else's trap.

This is not empty talk, but what really happened. Last year, the neighbor experienced a similar scam. Fortunately, the neighbors are more vigilant. He found the loophole of the swindler at the first time and called the police in time to avoid falling into a long-planned scam.

Coincidentally, just in July this year, the police of the Anti-Telecom Fraud Center of the Liaoning Provincial Public Security Department announced a case. According to reports, this kind of telecom fraud is a newly upgraded fraud method for scammers. In this case, you must keep calm.

Nowadays, many people are used to binding their bank cards with various payment software. Usually, they buy things online and pay online. Even if they go shopping, they have no habit of carrying cash. When paying, they usually use mobile payment.

Whenever the amount of funds in the bank card changes, you will receive the corresponding fund change reminder message almost at the same time, which can be said to effectively ensure the security of mobile payment.

Because of this, after receiving frequent SMS reminders, we become more and more numb, and these messages are swept away, and few people will read them carefully from beginning to end. And this also leaves an opportunity for scammers.

The neighbor said that he clearly remembered that it was past four o'clock in the afternoon and he was still at work when he suddenly received a posting notice from a bank account. I opened it, and someone transferred it to him 10000 yuan. Neighbors immediately checked the bank card and found that there was 10000 yuan in the account.

However, when asked, relatives and friends around said that they didn't transfer money to their neighbors, which made them suddenly confused about what to do. Just then, a strange number called, claiming that he had transferred the wrong account and asked his neighbor to help him return the money as soon as possible.

Xiao Liu's experience is exactly the same as that of his neighbors. Xiao Liu is a college student. One morning, he suddenly received a short message from the bank with a credit line of 6,000 yuan. When he first saw this news, he thought it was false news, so he deliberately logged into the mobile banking to check the balance. But the account is really more than 6000 yuan, which can confuse Xiao Liu.

After calming down, he guessed that this was his parents' living expenses, but he asked around, no matter whether he was a relative or a friend, everyone said that he had not transferred money to him.

Xiao Liu thought for a long time, but still couldn't figure out the origin of the transfer. He could only desperately recall who might have given the money.

At this point, it is difficult for Xiao Liu to calm down. He tried his best to find the sender, but he just ignored that the message contained this important information. If he can read the transfer reminder several times, it may not be like this in the future.

Just when he was at a loss, Xiao Liu's phone rang. It's a message from a strange number. The other party claimed to be the person who had just transferred money to him. In the message, I politely said that I didn't know how to operate, and I mistakenly paid the money for my child's tuition to Xiao Liu's bank card.

Finally, the elder sister did not forget to remind Xiao Liu that she could check her bank card balance and see if there was an extra 6,000 yuan this morning.

Xiao Liu, who was very uneasy, saw that the other party could accurately tell the amount and time of the transfer, and he could clearly feel anxious from the tone of the other party, so he decisively determined that the other party had transferred the wrong account. Kind-hearted, he thinks it is natural to return the money and return it to its original owner.

So, according to her sister's instructions, Xiao Liu carefully transferred the 6,000 yuan that had not been "hot" to her account step by step. Moreover, he carefully checked the account several times to avoid the same mistake.

It is the traditional virtue of the Chinese nation not to accumulate wealth. Faced with the sudden extra cash in the bank card, many people will turn it back according to the other party's request without thinking. But remember, make sure that the other party's account number is the same as the payment account number, otherwise you are likely to meet a cunning liar.

I thought this matter was over, and Xiao Liu, who had done a "good thing", was still very proud. However, things are not as simple as he imagined.

Half a month later, Xiao Liu received a phone call from a strange man, thinking it was an advertising promotion, but after connecting the phone, the other party told him that Tongluo Online Loan borrowed 6000 yuan from their company last month, with a monthly interest rate of 2%. The agreed repayment period is 15 days, which is today.

The other party also calculated for him that the principal is 6,000 yuan, plus interest 60 yuan, which is 1 * * * 6,060 yuan. Until this time, Xiao Liu remembered the "transfer error" half a month ago. This is no coincidence. There must be some connection between them.

This time, Liu Duo Jr. paid attention to it and did not directly repay the principal and interest according to the man's request. Instead, he decisively chose to call the police and let the police help him sort out the ins and outs of this encounter.

After investigation, it was found that Xiao Liu did apply for a loan on the website, but it was not his own operation, but someone used his identity information and photos of relevant documents. When the website sent the money to Xiao Liu's account, the liar told Xiao Liu that he had mistakenly sent the money to Xiao Liu's account due to an operational error and asked him to return the money.

However, there is a huge loophole, that is, the account remitted to Xiao Liu's account belongs to the loan company, and the account that the other party asked Xiao Liu to transfer the money to is personal. It was the neighbors who discovered this that realized that it was probably a scam and called the police in time to avoid being deceived.

And Xiao Liu is just a college student, still relatively simple, not aware of this, and finally fell into the trap of a liar step by step.

I don't know how Xiao Liu's personal information was leaked, and I can't find out how the liar successfully applied for a loan on the website. However, from the experiences and reflections of neighbors, we can see the operation methods of fraudsters.

After this incident, the neighbors also deeply reflected. How did the swindler get his bank account number and name, and how did he apply for a loan in his own name?

After combing the consumption records and information exchange for nearly a month, I finally found the real cause of the problem. First of all, the liar must have obtained his personal information through some illegal channels, including bank card, mobile phone number, name, ID number and other information.

With this information, scammers will deliberately choose some websites with relatively loose review to apply for loan business, which is also the key to the success of the scam.

Neighbors recalled that he bought the massager through a link shared by others in the WeChat group. Because the price is cheaper than other large websites, and there is no reason to return it for seven days, I placed an order for payment soon.

It's not bad for him to try it for a few days after the goods arrive. Moreover, a few days later, I received a return call and asked him if he was satisfied with the goods. Neighbors also expressed their satisfaction with the goods in a friendly way and gave them favorable comments.

At the end of the call, the other party told the neighbor that the background would send a verification code to the neighbor's mobile phone, so that the neighbor could tell him the verification code to verify the validity of the return visit.

At that time, neighbors answered the phone while reading the message prompt, and only two lines in front of the message could be seen through SMS reminder. Without clicking on the message to see the details, he reported the verification code to the other party in time. What the neighbors don't know is that this is not the verification code of the return visit at all, but the confirmation code when the liar applies for a loan online.

It was not until later that the neighbors read the past emails and found that the information contained the details of the loan. It was only because he didn't look carefully that the swindler successfully applied for a loan from the website, behind which was a scam.

Telecom fraud is not uncommon in life, but because the country is strengthening the crackdown and has been conducting legal education, many people have long heard of traditional fraud methods.

Therefore, it is difficult for traditional fraud to succeed again, and there is this upgraded fraud. If you encounter something similar, or someone charges you thousands of dollars, don't help yourself, don't hesitate. Please follow the following steps:

First of all, keep calm and keep a good record of the transfer. Then, it is irrational to choose to call the police. As a victim, it is irrational to deal with fraud gangs by yourself. Finally, please believe that the intervention of the police can not only prove your innocence, but also minimize your losses.

In addition, in daily life, we must pay attention to protecting personal accounts and passwords, and do not disclose personal information at will.

1, it's best not to take part in the activity of scanning code to send gifts on the street; Free WIFI in public places can be used; Don't register websites of unknown origin, which often hide the function of fishing.

2. When shopping online, you must place an order and pay through the regular website. Don't spend on untrustworthy websites casually, which will increase the risk of personal information disclosure and give criminals an opportunity.

3. Never reveal the verification code in your mobile phone to strangers. Don't underestimate this 6-digit or 4-digit verification code. With this verification code, scammers can handle all kinds of loans, payments, guarantees and other businesses in your name. So, always be vigilant and be responsible for your own property.

As the saying goes, there is no need to harm people, and there is no need to prevent people. Nothing for nothing. In the face of sudden remittance and transfer of bank cards, you must not have the idea of keeping them privately. Of course, don't transfer money back just because of a few words from the other party.

As the year is approaching, everyone has worked hard to earn a year's money, and must not be burned because of a temporary negligence. In general, just remember one sentence:

Any stranger who asks you to transfer money to him is a liar. Please remember!

It's probably fraud. Transfer 20 thousand yuan, you need to verify the other party's name. If the name is wrong, you can't turn it.

Steal your ID card information online with illegal software, use your information to make online loans, and then lie about the transfer error and let you transfer the money back. When you go back, you will come two months after the collection.

I suggest you report the case to the police station first, and then listen to the professional advice of the public security department to avoid being routine.

Someone gave you a wrong turn of20,000 and asked you to turn back. Why do you say that you must not rush back? This statement is well founded.

There used to be a famous scam, which used the function of "delaying the arrival of accounts" to defraud good people of their money.

The specific method is to transfer money to a stranger, check the "deferred account" option, and then contact the payee, saying that it was accidentally transferred by mistake and asking for a transfer.

Delayed arrival means that the money does not arrive in time and can be withdrawn within 24 hours (or other designated time).

In most cases, the victim mistakenly thinks that the other party has accidentally transferred the wrong account and will transfer the money received back without thinking. After receiving the remittance, the swindler will immediately cancel the deferred payment, and then the money will return to its original appearance, and the money returned by the victim will become a meat bun to beat the dog, and it will never come back.

Some swindlers can cheat hundreds of thousands of yuan a day in this way.

Therefore, you don't have to pay attention to strangers. Later, I called him to call the police.

Of course, if the other person is an acquaintance, it is usually a mistake. Just give it back to him after confirmation.

Maybe someone really made a mistake, or maybe it was a deliberate fraud. You're in a hurry to turn back to 20 thousand. What if people insist on saying 200 thousand?

It is more appropriate for the police to intervene.