Is it safe to verify the missing SMS?

I am a college student who is about to enter the society in my senior year. I personally experienced a scam on the afternoon of August 26th. Let me restore what happened to you.

Liar Tel 17:02: Hello, is this Mr. Zhang xx? I'm from Paipai Company. You just bought a big gift certificate of 12 19 RMB from us.

Me: I didn't buy it.

Liar: Isn't CCB tail number 2346 your card? Didn't you just operate it?

Me: I do have a card, but I can't remember the last number, but I definitely didn't buy gold coins.

Liar: Because this is a transaction of more than 1000 yuan, our company will check it. If it weren't for your operation, we wouldn't send the goods here and return them to you. Did you receive the transfer information just now? If we deliver goods, you can't return them.

Me: I didn't receive the text message.

At this point, I hung up, thinking that the swindler must be trying to cheat me out of money. I didn't waste time talking to them, so I hung up and called me again a few minutes later.

Liar: Mr. Zhang, why don't you check your account and see if the money is there? Think about whether you have used any public wifi before. Recently, some foreign servers have been able to obtain personal information, and then you may use your account to spend with us.

Me: OK, I'll check. Thank you.

It doesn't hurt to hang up the phone and want to check it yourself, just wait for the official app of CCB. I looked it up and I was shocked. The account balance is really only 0. 10. The transaction shows that I transferred RMB 1275 at 17:02, but I don't know the transfer method and account number.

The baby was really shocked and even started to panic. I remembered that CCB had a customer service phone number, so I called CCB's customer service. The manual customer service didn't answer the phone for a long time, so I called the liar back.

Me: The money in my bank card is really gone.

Liar: Zhang xx, right? Do you want a refund? You didn't do it yourself. I'll ask our manager if he has delivered the goods to you.

I heard another person say on the phone that the goods haven't arrived yet.

Liar: I just asked if it hasn't been delivered yet. You need to tell me the verification code of the message you received before, and you can only return it to you after confirming it.

Me: I just want to know where my money has gone.

Liar: Mr. Zhang, are we busy? If you really want to return the goods, we will help you. ..............

I hung up the phone as soon as I heard it, redialed 95588, then explained the situation in detail and found my money in the deposit of my account. After I returned the money to my account from there, I transferred 1000 yuan to my other card.

In fact, the whole thing happened in 10 minutes. The swindler induced you to find that the money was really gone, making you lose your mind in a hurry and then set your money step by step, but it seemed to be full of loopholes. I don't think it is important to know personal information. After all, the personal information in the society is not good now, but it is in the hands of some lawless elements. But liars are really smart. Liars can get your money into the so-called deposit, but the transaction query only shows the expenditure, not the whereabouts of the funds. There is really an illusion that the whole account seems to have been stolen.

After calming down, I think there are four points in the whole thing that I think are problematic.

The first point: the liar dials the mobile phone number, and there can be no pat, grand. All big companies don't use 400 numbers or short numbers.

The second point: the liar said that large orders above 1000 should be confirmed. First of all, I don't think 1000 is a big order. Secondly, as a businessman, I don't care if you are true or not. If someone comes to buy some coupons, it is a legal way, and they will certainly not bother to ask, let alone persuade you to refund.

The third point: the received verification message is obviously a transfer, not a collection.

The fourth point: the purpose of the whole process is very clear, that is, to verify the code, which is a foreshadowing, much more anxious than normal customer service.

So I want to tell you, you must stay calm at the critical moment. It's not much money, but it's really strange. Please pay attention.