Credit card fraud case SMS verification code leaked, resulting in credit card overdraft.

With the development of mobile Internet, many consumers have a sense of danger, but there are still many people whose safety awareness needs to be popularized. Ms. G, a small financial netizen, once suffered heavy losses because of the leakage of SMS verification code.

Ms. G, a netizen in Cai Xiao, once received a phone call from the "bank user manager" asking to redeem points. Ms. G directly informed the other party of the verification code without reading the text message carefully. As a result, this verification code caused the mobile phone number of Ms. G's associated bank card to be modified, and the credit card was continuously overdrawn and stolen. Even if you report the loss, you can't stop it. Ms. G went to court with the bank for this.

Ms. G has set up a savings card and a credit card in a bank, both of which have the function of prompting the change of deposit balance by SMS. On September 29th, 20 15, around 10, Ms. G received a phone call during her work, asking Ms. Fang, who claimed to be the customer service manager of the bank, whether she needed to redeem points, and asked Ms. G to inform her of the verification code received on her mobile phone.

Just before making this call, someone called the bank in the name of Ms. G, requesting to modify the mobile phone number. Ms. G received several short messages from the bank. As a result, Ms. G didn't look closely, so she informed the other party of the verification code received during the call. The next afternoon, Ms. G called the bank customer service to report that the bank card password was actually wrong when she wanted to repay.

After verification, the customer service staff informed Ms. G that the credit card was cheated and went through the formalities of reporting the loss of the credit card. A few days later, Ms. G went to the bank's business outlets to inquire and learned that the funds in her credit card and savings card were lost, so she called the police.

The transaction record of the bank surprised Ms. G. Within a few minutes after she told the other party the verification code, her credit card was reset with the withdrawal password and consumption password, and her personal online banking login password was also reset, and a virtual card was opened. Ms. G's online banking mobile phone number has been modified.

In less than a week, Ms. G spent 26,995 yuan on credit card overdraft transfer, 523.7 yuan on overdraft fee, 35,000 yuan on financing application, 3 150 yuan, 8,929.82 yuan on overdraft interest and late payment fee14,997.338+0 yuan and financing funds.

To this end, Ms. G took the bank to court. Combined with the situation of this case, the court ordered Ms. G to bear a loss of 37,000 yuan and the bank to bear a loss of more than 24,000 yuan.

After reading this example, Cai Xiao warmly reminds everyone: No matter what the SMS verification code is, don't leak it to others easily. If the SMS verification code is leaked, it is necessary to check whether the SMS verification code has been forwarded, or whether the mobile phone has been implanted with a Trojan horse, causing the SMS to be forwarded.