I haven't borrowed money from China Post's consumer finance. Why are you on the news?

Why does China Post Consumer Finance always send me text messages to harass me?

This may be due to the following reasons:

1. Before surfing the Internet, customers have logged into some loan platform websites or paid attention to the advertisements of the loan platform, so they became the target customers of the platform and were sent many short messages recommending loans. In this regard, customers with financial needs can try to apply for loans after the invitation of the platform.

2. I did borrow money from a loan platform. The message was sent this time because the repayment date is coming, so the platform reminds customers not to forget to repay; Of course, it is also possible that the customer borrowed money and didn't pay it back. The platform sent a dunning message, and it is estimated that it will call.

3. The customers' relatives and friends all borrowed money, and then regarded the customers as emergency contacts for their loans, leaving their contact information. The loan platform can't contact each other, so it naturally finds customers.

4. The customer's personal identity information was leaked, stolen by criminals and defrauded. The other party did not return the money after borrowing it, and the platform found the customer according to the information left by the other party. In this case, the customer can make it clear to the platform without having to bear the repayment responsibility.

China Post Consumer Finance Co., Ltd. (hereinafter referred to as "China Post Consumer Finance") was established on 20 15438+0 1 month, with its headquarters in Guangzhou. With the approval of the Insurance Regulatory Commission of the Bank of China, it was initiated by seven well-known Chinese and foreign enterprises, including China Postal Savings Bank. Is a national financial institution that provides all-round consumer financial services for China residents. China Post Consumer Finance has set up provincial marketing centers in 16 provinces (cities), and inclusive finance serves the whole country. In 20 18, the registered capital of China post's consumer finance increased to 3 billion yuan.

scope of business

Issuing personal consumption loans (limited to consumer finance companies); Accept deposits from domestic subsidiaries of shareholders and domestic shareholders (limited to consumer finance companies); Borrowing from domestic financial institutions (limited to consumer finance companies); Approved to issue financial bonds (limited to consumer finance companies); Domestic interbank lending (limited to consumer finance companies); Consulting and agency business related to consumer finance (limited to consumer finance companies); Acting as an agent to sell insurance products related to consumer loans (limited to consumer finance companies); Fixed income securities investment business (limited to consumer finance companies);

Why did you receive a text message in China Post without a consumer finance loan?

There are several reasons why China Post does not consume financial loans to receive SMS messages: First, it may be information leakage, and users can ignore the promotional SMS messages received. Second, it may also be caused by a mistake in filling in the telephone number of a customer of China Post. Suggest that you can contact customer service of China Post for feedback to cancel. If there is still a short message after cancellation, it means that the short message was not sent by China Post. At this time, users should be careful to guard against telecom fraud.

In short, as long as you confirm that the content of the short message has nothing to do with you, users will ignore it and delete it directly.

I haven't applied for a loan. Why do I always get short messages from China Post's consumer finance?

If you really haven't applied for a loan from China Post Consumer Finance, you can contact China Post Consumer Finance online manual customer service or call the customer service hotline for feedback. If you receive this kind of information after feedback, it means that you have not received official information, and it may be fraudulent information. Leave him alone. Moreover, it means that your personal information has been leaked. Pay attention to protect your personal information.

Four ways of personal information disclosure:

First, human factors, that is, employees of companies and institutions who have information actively resell information.

2065438+March 2005, six employees of an education and training institution in Beijing pleaded guilty to illegally buying and selling a large number of personal information of students and parents, totaling more than 2 million pieces.

Second, computers are infected with malicious software such as virus Trojans, which leads to the disclosure of personal information.

While enjoying the convenient and quick functions of the Internet, netizens accidentally infected malicious software such as virus Trojans, which led to the disclosure of personal privacy and important information. If you believe that fake websites have been cheated.

The third is the information leaked through mobile phones. Mainly: Trojans in mobile phones; Use the hacker's fishing WiFi, or your own WiFi is hacked; Mobile phone cloud service account is stolen (weak password or database conflict or service provider vulnerability). ); APP vendor servers with privacy rights were dragged by hackers; Visit phishing websites through SMS of pseudo base stations. , leading to the leakage of important account passwords; Use hacking devices such as malicious charging treasures; GSM network is monitored by hackers.

Fourth, the attacker uses the vulnerability of the website to invade the database that stores information. From the website security attack and defense practice of 20 14, website attacks and vulnerability utilization are developing in the direction of batch and scale. Website security is directly related to a large number of personal information data, business secrets, property security and other data. After technicians invade the website, they usually tamper with the content of the website and implant black words and black chains; The second is to implant a backdoor program to control the website or website server; The third is to defraud the administrator's authority by other means, and then control the website or drag the library. Since 20 1 1, the information and data of about 1 1.2 167 million users have been leaked due to dragging and bumping into the library.

I haven't borrowed money from BOC Consumer Finance, but I received a text message asking me to pay back the money, and I know the card number and name. What should I do?

There are two ways to solve this problem:

1. Call BOC Consumer Finance Hotline 95137 by mobile phone;

2. Bring my ID card and bank card to the local BOC consumer finance outlets for verification.

Extended data

China Bank's consumer finance includes credit loans, merchant-specific loans, internet finance and other products, which are aimed at people with good credit and stable income.

Groups, insurance policies, housing, stable work and payment of social security and provident fund can all apply.

Handling process: 1, I bring my personal identification materials to the local outlets to apply and fill out the application form, waiting for the phone to approve.

After passing, sign a contract and issue a loan.

2. I apply for registration online, wait for review, and issue loans.