Someone transferred 20,000 to you by mistake and asked you to transfer it back. Why do you say you must not transfer it back in a hurry?

Anyone with a little common sense can see through it at a glance that there must be fraud. There are two doubts:

1. When transferring money to a bank card, the card number and name must match, "stranger" How did you know your card number and name?

2. If the wrong transfer is made, I will contact you as soon as possible. How did the "stranger" know your contact information?

So, to you, the other party is your "stranger"; but to him, he knows your information very well, has set a trap, and is waiting for you to get into it.

If one day you receive an "unexpected windfall", and someone immediately calls to tell you that the transfer was wrong and asks you to transfer it to the card number he provided, what will you do at this time?

I believe that most people will switch back immediately without hesitation. Don’t let people wait too impatiently, because:

On the one hand, from the perspective of "morality" , "Don't be ignorant when picking up gold" is a traditional virtue, "I picked up a penny on the side of the road and handed it to the police uncle." This is how the nursery rhyme goes. This is how we have been educated since we were young. Let alone 20,000 yuan. 2 yuan cannot be ignored;

On the other hand, from a "legal" perspective, non-return is considered "unjust enrichment", and the court will rule that it must be returned; if the amount is large, the circumstances are egregious, and Refusal to return the property may constitute the crime of "misappropriation" and bear criminal responsibility for up to 5 years in prison, criminal detention or surveillance.

Therefore, in terms of "morality" and "law", proactive refund is the only option, but I would like to remind everyone: You can return it, but you must be more cautious and don't rush to return it. There are many new fraud methods. Don't fall into the trap set by scammers.

Let’s talk about a real case shared by the Shantou Municipal Public Security Bureau in September this year.

Xiao Liu, who was studying in college, suddenly received a bank card one day. Xiao Liu was confused when he received a text message reminding him of a 6,000 yuan account. He asked his relatives and friends, "Who transferred it?" Relatives and friends all said that they did not transfer money to Xiao Liu;

When Xiao Liu was wondering, a call came over. The other party was a lady, her tone sounded impatient and worried, and she asked "cautiously" if Xiao Liu was I received a sum of 6,000 yuan and said that the money was for my son’s tuition. I accidentally transferred it to Xiao Liu’s card by mistake. Can I refund it?

When Xiao Liu heard this, he thought we had to do this good thing, and we couldn’t make people wait too anxiously, so he quickly transferred the 6,000 yuan to the card number provided by the lady.

I thought I had done a good thing, but I didn’t expect it. Half a month later, Xiao Liu received a call again. The call was from a loan platform, asking Xiao Liu what happened when the loan period was up? Still haven't paid back?

When Xiao Liu heard this, he was puzzled, "When did I get the loan?"

"Half a month ago, you borrowed 6,000 yuan from our platform with an interest rate of 2 and a term of 15 days. You repaid the principal and interest for 6,060 yuan. Do you want to default on the loan?"

Only then did Xiao Liu realize that something was wrong, so he hurriedly called the police. After the police intervened in the investigation, they found that someone had used Xiao Liu's identity information to borrow an online loan on the platform half a month ago, and the 6,000 yuan was exactly The loan is not someone else's transfer of the wrong account.

Xiao Liu suddenly realized that the 6,000 yuan was transferred from the company account, and Xiao Liu returned it to the personal card number provided by the lady. If he had been more careful at the time, he would not have fallen into the trap set by the scammer. .

At this point, everyone can understand the trap:

Xiao Liu’s personal information was accidentally leaked, including identity information and bank card information; the scammer got hold of Xiao Liu After receiving the information, he used his information to borrow money from an online loan platform, and the money was transferred to Xiao Liu's card; the scammer then called and asked Xiao Liu to return the debt to the designated account on the grounds of "transfer to the wrong account." In the end, it was Xiao Liu who suffered the loss.

This case also reminds us that we must protect our personal information in daily life and never leak it. If we receive a contact number from a "stranger" who transfers the wrong account, please do not hesitate to contact us. Don't rush to return it, the correct steps should be as follows:

First, check whether the other party's account is an individual account or a public account, check whether there is a transfer note, whether it is a "loan", "current payment" or Others, when necessary, you can go to the bank to check the other party's account information;

Second, do not rush to return the money after receiving a call requesting a refund, but at the same time, in order to avoid "unjust enrichment", you can report it to the police first. Make it clear that you will return the money, but you must understand the whole story clearly;

Third, after the bank and police have verified it clearly, and it is indeed a "wrong transfer", then return the relevant funds under the witness of the police , don’t make your own decisions;

Fourth, if you are cheated, keep relevant evidence, such as the other party’s transfer records, refund transfer records, the other party’s contact information, relevant chat evidence, etc., to facilitate recovery later. Defrauded money. Write at the end:

Don’t be ignorant of money that is not your own, but at the same time, you should be more careful. Don’t rush to be a “good guy”. You must verify the details before refunding the relevant money, especially It’s almost the end of the year, and there are many new fraud methods. Anyone who involves money transactions must be careful and careful.

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

Immediately call the police to prevent yourself from becoming a victim. No matter what the situation is, with the intervention of the police, they cannot discredit you.

Second, you must be cautious when transferring money or other matters, and take good care of your own property. You must not have the intention of harming others, and you must have the intention of guarding against others.

As a bank employee, I must carefully remind you: if someone transfers 20,000 yuan to you by mistake, do not transfer it back on your own initiative.

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

Otherwise, if you transfer back without authorization, you may face active participation in money laundering crimes and be punished by law.

1. It was really a mistaken transfer.

When transferring money now, if it is a bank card transfer, the card number and name need to be consistent.

The other party may have remembered the wrong bank card number, but it happens to be your bank card account number. And the name of the person you want to transfer money to is also the same as you.

This probability can be said to be very small, but it cannot be ruled out.

If someone else transfers it by mistake, there will be no dispute if you transfer it again.

But for safety reasons and to avoid any trouble later. Before you transfer it back, you need the other party to provide proof of transfer. Let the other party prove that it was indeed him who transferred him.

2. The other party uses your account to launder money

This probability is quite high.

The other party does not 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 was probably done by an acquaintance.

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

Once the judicial authorities investigate later, your account will definitely be found. At that time, you were really a mute eating Coptis chinensis, unable to express your suffering.

You don’t know how much energy and time it takes to prove your innocence.

If you still ask for money such as handling fees after you transfer it back, then you are screwed.

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

Even if you really jumped into the Yellow River, you wouldn’t be able to wash yourself away.

1. Do not have the idea of ??taking it for yourself

Ill-gotten gains are not allowed. You must not have the idea of ??taking the money for yourself.

If someone transfers it by mistake, you withdraw the money and do not return it to the other party. That is unjust enrichment and an illegal and criminal act.

Article 92 of the "General Principles of the People's Republic of China and Civil Law" stipulates: If there is no legal basis for obtaining improper benefits and causing losses to others, the improper benefits obtained shall be returned to the person who suffered the loss.

Article 270 of the "Criminal Law" stipulates: Anyone who illegally takes possession of other people's property for safekeeping, if the amount is relatively large, and refuses to return it, 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, the offender shall be sentenced to fixed-term imprisonment of not less than two years but not more than five years and shall also be fined.

Anyone who illegally takes possession of other people’s forgotten or buried objects, if the amount is relatively large, and refuses to hand it over, shall be punished in accordance with the provisions of the preceding paragraph.

The other party transferred it by mistake and you refuse to return it. Others only need to take the transfer voucher to call the police, and the report will be accurate, and you will not be able to escape.

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

Why should you call the police and let the police handle it?

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

If you call the police and leave a record, you are leaving evidence for yourself, which can prove that you have not committed any illegal behavior.

If the other party really transferred it by mistake, just return it to the other party.

If the other party has illegal purposes, the police will investigate and you will not have any responsibility.

Therefore, call the police and let the police handle it. You can stay out of the matter and don't have to worry about any trouble in the future.

I won’t talk about criminal penalties, but let me tell you about the bank’s penalties.

According to the latest regulations of the People's Bank of China, as long as one bank card of a person is found to be involved in illegal and criminal activities, all bank cards in his name will be restricted from over-the-counter transactions for at least five years.

That is all your bank cards. Except for withdrawing and depositing money at the counter, no other functions can be used.

It cannot transfer money, cannot swipe cards, cannot shop online, and cannot be bound to any third-party platform.

Just like we usually use WeChat and Alipay to scan the QR code to pay. Once the bank card cannot be bound, the financial functions of WeChat and Alipay cannot be used.

In WeChat and Alipay, you cannot store even a penny. Money transferred to you by others via WeChat or Alipay, or red envelopes sent to you, cannot be accepted.

Now that non-cash payments are so common, you have to use cash for everything. It can be said that your life will definitely be a mess.

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

You cannot afford the cost of bank card crime.

Remember, never rush to transfer money back. Even if the other party contacts you, you must not do so. Just ask the other party to find a bank, otherwise you may be in debt. !

Because this situation is very likely to be a fraud, you can ask the other party to call the customer service number of your account bank and ask your account bank to intervene. Even if you have to call back, you can't do it!

This is what I think:

First, in this era, cash deposits and transfer processes require multiple checks of the transferee’s account information, and the probability of a wrong transfer is extremely small. Small! Based on my years of experience, this is more likely to be a scam.

If it is really a fraud, the money you receive is most likely a loan from the other party in your name. The other party stole your identity information and made an online loan. Once the money is loaned, you will be contacted. You lied that the transfer was wrong, had a sincere attitude, pretended to be pitiful, and finally tricked you into transferring the money to his own card. This trick has appeared many times, so be careful.

Second, any transaction that occurs in the banking system can be reversed, which means canceling a transaction that has occurred and succeeded within the validity period. The money will be returned the same way. If the other party makes the wrong money, the normal operation is for the other party to send the wrong money. If the account opening bank or your account opening bank initiates a reversal transaction, it will not be your turn to operate it anyway!

Third, no matter what happens, you must not transfer the money yourself. If someone contacts you, ask him to find his account bank!

Fourth, although I don’t know if you have this kind of intention, I would like to give you a friendly reminder that if the transfer is really wrong, don’t even think about taking it as your own. In this era, any transaction through the bank will be illegal. It's very easy to check, so be careful about getting a lawsuit.

So, once you encounter this situation, you just tell him directly, you can contact our bank. If the other party is a liar, then he will be dumbfounded. If it is really a wrong transfer, the other party will also I would really go to the bank to intervene. If that doesn't work, just call the police directly. The police will know what's going on once they investigate.

Not long ago, the official account of the Shenzhen Public Security Bureau disclosed a new type of scam to netizens. It made it very clear what it means 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. It turned out that it was a deposit information sent by the bank. The information showed that Xiao Liu had a sum of 6,000 yuan in his account.

Xiao Liu was surprised and surprised. What was surprising was that he was a college student without any source of income. How could he suddenly have such a large amount of money in his account?

Unexpectedly, Xiao Liu asked all his relatives and friends, and they all denied that he was the one who hit him. Xiao Liu was puzzled.

When I was confused, my phone received another text message from a stranger. The other party claimed to be an eldest sister. The eldest sister sent a text message saying that she had just transferred the money to Xiao Liu because she was not familiar with the transfer process and made an operation error. account, and claimed that the money was money that she and her husband had worked hard for several months to collect for their son’s tuition, and begged Xiao Liu to transfer it back.

The eldest sister spoke sincerely, and it was obvious that she was very anxious. Xiao Liu was also a kind person. How could he take advantage of something that was not his own? So the enthusiastic Xiao Liu followed the eldest sister’s instructions without saying a word. The bank account number provided was used to transfer the money back.

After the incident was over, Xiao Liu happily thought that his "recovery of money" had solved the family's urgent need. He thought that the matter would just be over, but what people didn't expect was that the fun was still going on. Behind!

About half a month later, Xiao Liu gradually forgot about this urgent matter." With the arrival of a collection call, this "erroneous transfer" was revealed again!

One day, Xiao Liu suddenly received a call from a strange man. The man said that Xiao Liu borrowed a loan of 6,000 from their lending platform half a month ago, and the promised repayment date was 15 days. , the monthly interest rate is 2, it expires today, and you need to pay 6,060 yuan for the principal plus interest.

After hearing this, Xiao Liu was stunned. He had never borrowed money on any lending platform. , I thought about it carefully in confusion, and then I thought of the "wrong transfer" incident half a month ago. It should be that something went wrong.

Xiao Liu felt very wronged. He was obviously trying to help, but he ended up incurring a debt. After feeling aggrieved, Xiao Liu decisively chose to call the police for help.

After the police checked, it turned out that there was something wrong with what happened half a month ago. Upon closer inspection, the scam was slowly revealed.

It turns out that the money transferred to Xiao Liu that day was indeed the account number of an online loan company, and a record of a 6,000 loan was also found and was transferred 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 6,000 loan on this online loan platform. The loan was then transferred to Xiao Liu’s account. Later, the other party contacted Xiao Liu conveniently and begged Xiao Liu to do good deeds and transfer the money to the other party's account on the grounds that he had transferred the wrong account. Therefore, Xiao Liu was tricked out of sympathy, and what happened next happened.

The truth about the "wrong transfer" scam is now revealed! As for what to do next, leave it to the police.

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

I believe many people walking on the street or in the park have seen billboards or heard After hearing such broadcasts, our police uncles often remind us not to transfer money easily and beware of being deceived!

So, back to the main question, it’s similar to someone who “transfers money by mistake” and then uses his “difficulties” to win sympathy, so that you can put down your guard, and finally begs you to transfer the money back. The situation is basically a scam. At this time, you must be more cautious and don't be blinded by your kind sympathy. Don't turn around and choose to call the police decisively.

Also, the safest way is, if you are worried that there is a problem with this payment, you tell the other party directly and ask the other party to find your account bank to resolve it. Once the bank intervenes, the other party will panic and will When faced with difficulties, retreat. The scammer ran away. As for how the money came from, you can ask the bank to check it and return it as it came. This way you won't have any risk.

Finally, from Xiao Liu’s incident, we got a warning: Xiao Liu usually did not protect his personal information, and it might have been accidentally leaked at some point, which led to the incident that day thing. Therefore, in daily life, we must protect personal information to prevent personal information from being used by criminals to carry out illegal activities after it is leaked.

This kind of situation is rare and cannot be said to be true. I have experienced it myself. It was not a transfer but a mobile phone recharge to add money to someone else's mobile phone account. At that time, the mobile phone card did not have real-name authentication. I and I When my wife was at home, someone else was treating her to a hotel for dinner. When my wife was playing on her mobile phone, her phone showed that her balance was insufficient. My wife's recharge was also charged to someone else's mobile phone account. The main reason was that the mobile phone card did not have real-name authentication, and if she carefully filled in a wrong number, the money would be gone. Why does someone call you and tell you that 20,000 yuan was mistakenly transferred to your account and ask you to transfer it back? Don't rush to transfer the money to him? The reason is first, he may be a liar. The money he transfers to you will arrive after 24 hours. The money cannot enter your account immediately. He can withdraw the money within 24 hours and you will not be able to get the money. , if this is the case, there is no need for you to refund 20,000 yuan, you can just withdraw it yourself. Unless it is deposited immediately, this phenomenon does not exist now. Every account is authenticated by real name. The second reason is why not rush to withdraw it. Transfer the money to him because he is a liar. Now that the account is in real name, how can I transfer the money to your account? Just say that the account number is wrong and the name is wrong. Unless it is his father's transfer to his grandma's joke, anyway, I received it. Never transfer money on such calls. If he keeps trying to get you, call the police.

Someone transfers 20,000 to you by mistake, and even calls you to ask you to transfer it back. If you really transfer the money back, you may have fallen into someone else's trap.

This is not empty talk, but something that really happened. Last year, my neighbor experienced a similar scam. Fortunately, the neighbor was more vigilant and discovered the scammer's loopholes immediately and called the police in time to avoid falling into a long-planned fraud.

Coincidentally, in July this year, the police from the Anti-Telecom Fraud Center of the Liaoning Provincial Public Security Department announced a case. According to reports, this telecommunications fraud is a newly upgraded fraud technique by scammers. When encountering this kind of situation, you must stay calm.

Nowadays, many people are accustomed to binding their bank cards to various payment software. Most of their daily purchases are made through online purchases and online payments. Even when they go shopping, they do not have the habit of carrying cash. Mobile payments are often used.

Whenever the amount of funds in the bank card changes, you will receive a 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 text message reminders, we become more and more numb, and we sweep these messages away. Few people will read them carefully from beginning to end. And this also leaves opportunities for scammers to take advantage of.

The neighbor said that he clearly remembered that it was about four o'clock in the afternoon and he was still at work when he suddenly received a notification of a deposit into his bank account. When he opened it, he saw that someone had transferred 10,000 yuan to him. The neighbor immediately checked his bank card and found that 10,000 yuan was in his account.

However, after asking around, all the relatives and friends around me said that they had not transferred money to the neighbor, which made the neighbor at a loss what to do. At this moment, an unknown number called and claimed that he had transferred the wrong amount and asked his neighbor to help him return the money as soon as possible.

Xiao Liu’s experience was exactly the same as that of his neighbor. Xiao Liu was a college student. One morning, he suddenly received a bank notification text message stating that 6,000 yuan had been credited to his account. When he first saw this message, he thought it was false news, so he logged into mobile banking to check his balance. However, there was a real increase of 6,000 yuan in the account, which made Xiao Liu confused.

After calming down, he guessed that this was the living expenses given to him by his parents, but after asking around, no matter whether it was relatives or friends, everyone said that they had not transferred the money to him.

After thinking for a long time, Xiao Liu still couldn’t figure out the origin of this transfer, so he could only try desperately to recall who might have sent the money.

At this time, it was difficult for Xiao Liu to calm down. He tried his best to find the remitter, but he just ignored that the text message notification contained this important information. If he had read the transfer reminder a few more times, the next thing might not have happened.

Just when he was at a loss, Xiao Liu's phone rang. It was a message from an unknown number. The other party claimed to be the person who had just transferred money to him. He also very politely stated in the message that he was not very good at operations and mistakenly transferred the money he was going to pay for his child's tuition to Xiao Liu. on the bank card.

Finally, the elder sister did not forget to remind Xiao Liu that he could check his bank card balance to see if he had an extra 6,000 yuan this morning.

Xiao Liu, who was already very nervous, saw that the other party could accurately tell the amount and time of the transfer, and he could clearly feel anxious from the other party's tone, so he decisively concluded that the other party was the The wrong account was transferred. He is kind-hearted and believes that it is natural to return the money and "return the property to its original owner".

Therefore, following the eldest sister’s instructions, Xiao Liu conscientiously transferred the 6,000 yuan that had not yet “heated up” to the eldest sister’s account step by step. Moreover, he was careful and checked the account number several times to avoid the same mistake.

It is a traditional virtue of the Chinese nation to pick up gold without being ignorant. Faced with a sudden extra amount of cash in their bank card, many people will transfer it back according to the other party's request without thinking. However, you must remember to make sure that the account number from which the payment is made and the account number from which the payment is received are the same, otherwise you may encounter a cunning scammer.

I thought this incident would just go away, and Xiao Liu, who had done a "good thing", felt very proud of it. However, things were not as simple as he imagined.

Half a month later, Xiao Liu received another call from a strange man. He thought it was an advertisement, but after answering the call, the other party told him that Tongluo Online Loan was in their company last month. I borrowed 6,000 yuan, the monthly interest rate is 2, and the agreed repayment period is 15 days, which is today.

The other party also did the math for him. The principal was 6,000 yuan, plus the interest of 60 yuan, which amounted to 6,060 yuan per pound. Only then did Xiao Liu think of the "wrong account transfer" half a month ago. This was by no means a coincidence. There must be some connection between them.

This time, Xiao Liu was more thoughtful 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 the loan on the website, but he did not do it himself. Instead, someone used his identity information and relevant ID photos to impersonate him and operate it in his name. When the website transferred the money to Xiao Liu's account, the scammer sent a text message or made a phone call to inform Xiao Liu that he mistakenly transferred his money to Xiao Liu's account due to an operational error, and asked him to return the money.

But there is a huge loophole in this, that is, the account number used to remit money to Xiao Liu's account belongs to the loan company, but the account number that the other party asked Xiao Liu to transfer the money to is personal. It was precisely after the neighbor discovered this that he realized it was probably a scam and called the police in time to avoid being deceived.

Xiao Liu is just a college student, relatively simple, and does not realize this, and eventually falls into the trap of a scammer step by step.

I don’t know how Xiao Liu’s personal information was leaked, and I can’t find out how the scammer successfully applied for a loan on the website. However, from the neighbors’ experiences and reflections, we can get a glimpse of the fraudsters’ operating methods.

After experiencing this incident, the neighbor also deeply reflected on how the scammer obtained his bank account number and name, and how did he apply for a loan in his name?

After sorting through the consumption records and information exchanges in the past month, the real cause of the problem was finally discovered. First of all, the scammer 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 select some websites with relatively loose review to apply for loan business, and this is also the key to the success of the scam.

The neighbor recalled that he had previously purchased a massage device through a link shared by others in the WeChat group. Because the price was cheaper than other large websites, and there was a seven-day no-questions-asked return guarantee, I paid and placed the order quickly.

After the item arrived, he tried it for a few days and it was fine. And within a few days, he received a return call asking if he was satisfied with the item. The neighbor was also very friendly and expressed that he was very satisfied with the item and gave him a good review.

At the end of the call, the other party informed the neighbor that a verification code would be sent to the neighbor’s mobile phone in the background, and the neighbor was asked to tell him the verification code to verify the validity of the return visit.

The neighbor was answering the phone and reading the message prompt at the same time. He could only see the first two lines of the message through the SMS reminder. He did not click on the message to read the detailed content, so he promptly reported the verification code to the other party. . What the neighbor didn't know was that this was not a verification code for a return visit at all, but a confirmation code used by the scammer when applying for a loan online.

It wasn’t until afterwards, when he was looking through past emails, that the neighbor discovered that the message contained detailed information about the loan. It was only because he didn’t look carefully at the time that the scammer successfully applied for a loan from the website. The scam behind it.

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

Therefore, it is difficult for traditional fraud methods to succeed, so this upgraded fraud method has emerged. If you encounter a similar thing, or someone charges you thousands of dollars, be sure not to advocate on your own, and don't hesitate. Please follow these steps:

First, stay calm and keep good transfer records. Next, choose to call the police. As a victim, it is unreasonable to rely on your own strength to deal with the fraud gang.

Finally, please believe that the intervention of the police will not only prove your innocence, but also minimize your losses.

In addition, in daily life, you must pay attention to the protection of personal accounts and passwords, and do not disclose personal information at will.

1. It is best not to participate in those activities on the street that scan QR codes to send gifts; use free WIFI in public places if possible; do not register for websites of unknown origin, which often contain phishing functions .

2. When shopping online, be sure to place an order and pay through a formal website, and do not spend money on untrustworthy websites. This will increase the risk of personal information leakage and allow criminals to take advantage of it. .

3. Do not disclose the verification code in your mobile phone to strangers. Don't underestimate the 6-digit or 4-digit verification code. With this verification code, scammers can handle various loans, payments, guarantees and other services in your name. Therefore, you must be vigilant at all times and be responsible for your property.

As the saying goes, you must not have the intention to harm others, but you must not have the intention to guard against others. There is no free lunch in the world. Faced with sudden remittance transfers from bank cards, you must not have the idea of ????keeping it privately. Of course, don't just transfer the money back because of a few words from the other party.

The new year is approaching. Everyone has worked hard to earn the money for a year. We must not waste it because of a moment of negligence. In general, just remember one sentence:

Anyone who a stranger asks you to transfer money to him is a scammer. Please remember this!

It is most likely a scam. To transfer 20,000 yuan, you need to verify the name of the other party. If the name is incorrect, the transfer cannot be made.

Use illegal software to steal your ID card information online, use your information to make online loans, and then falsely claim that the transfer was wrong and ask you to transfer the money back. When you transfer back, the debt collector will come in two months.

It is recommended that you first go to the police station to report the crime, saying that you are suspected of being defrauded, and then follow the professional advice of the public security department to avoid being deceived as much as possible. Someone transferred 20,000 to you by mistake and asked you to transfer it back. Why do you say you must not transfer it back in a hurry?

This statement is well-founded.

In the past, there was a relatively famous scam that used the "delayed payment" function to defraud good-hearted people out of their money.

The specific method is to transfer an account to a stranger, check the "Delayed Arrival" option, and then contact the payee to say that the wrong amount was accidentally transferred and request a transfer back.

Delayed arrival means that the payment is not received in time and can be withdrawn within 24 hours (or other specified time).

In most cases, the victim mistakenly believes that the other party has accidentally transferred the wrong account, so he will transfer the received money back without thinking. After the scammer receives the remittance, he immediately cancels the delayed payment, and the money will be returned the same way, and the money returned by the victim will become a meat bun and beat the dog, and there will be no return.

Some scammers can defraud hundreds of thousands of yuan a day using this method.

Therefore, if you encounter a stranger making a payment, ignore it. If he calls later and asks for a refund, just ask him to call the police.

Of course, if the other party is an acquaintance, it is usually the wrong amount. Just confirm it and refund it to him.

Maybe someone really forwarded it by mistake, or maybe it was intentional fraud. You are in a hurry to transfer back 20,000 yuan, so what if they insist on asking for 200,000 yuan! ?

It would be more appropriate to let the police intervene.