"Second freeze!" Looking at the red letter reminder displayed in the APP, Master Yang (pseudonym) brain instantly buzzed, the loan was not obtained, and the 15,500 yuan he had just borrowed was also put in.
Master Yang's face was livid, and the more he thought about it, the more he felt that something was wrong, and remembering the anti-fraud propaganda he had heard before, he decided to go to the police station to seek police help.
Recently, Master Yang hurried to the Chongxian Police Station of the Linping District Public Security Sub-Bureau in Hangzhou, and as soon as he entered the door, he took out his mobile phone and said to the police, "Officer, help me see, this loan has not been withdrawn, and it is really not a taste in my heart." ”
The police checked the relevant information in Master Yang's mobile phone, noticed something abnormal, and immediately called Ye Junhong, the anti-fraud commissioner, and the two took Master Yang into the reception room to carefully understand the situation. The people warned Master Yang not to be in a hurry and to tell the specific situation from beginning to end, so as to help him analyze and solve the matter.
Master Yang made up his mind, "I applied for a loan on this app, but when it came to the withdrawal link, it prompted me that the money was frozen by the operation error, or twice." ”
Master Yang is 45 years old this year, his hometown is in Jiande, and he is an operator of engineering equipment. Recently, because I was a little tight, I wanted to apply for some loans online for temporary turnover.
Coincidentally, with this matter in mind, Master Yang received an unfamiliar MMS link on his mobile phone, which was the promotion of a lending APP. Master Yang fixed his eyes, isn't this the APP that the previous worker said? The name is exactly the same, and the worker also said that he successfully completed the loan on it at that time.
Master Yang didn't think much about it, so he clicked the link to download this lending APP and prepared to apply for a loan.
After registering and logging in, Master Yang entered his identity document, contact information, bank card number and other information one by one according to the operation guidelines in the APP, and the loan was quickly approved with an amount of 31,000 yuan.
The whole application process was very smooth, and every link was strict and standardized, which made Master Yang have no doubts. Then, he clicked on the wallet to withdraw, and the system showed that the withdrawal failed, the reason was an operation error, he needed to contact customer service, and pushed a chat APP called "Easy Chat".
The anxious Master Yang quickly downloaded the APP according to the prompts and found the platform customer service. The customer service said that because the loan funds were frozen due to the wrong filling in of his bank card number, Master Yang needed to submit half of the loan amount of 15,500 yuan for unfreezing, and after the system verification, all the funds would be returned in full.
"I should not be mistaken, I deliberately checked it several times when I entered the card number, but then the other party sent a picture that did have a wrong number."
Hearing the customer service's statement, Master Yang was also a little unsure, not sure whether he had entered the wrong card number, plus the whole process in front of him looked professional, he listened to the customer service and didn't think much, quickly found a friend to make up 15,500 yuan for transfer, and then tried to withdraw again, but this time it was still unsuccessful. The system is impressively displayed: Second freeze!
Master Yang found customer service again to inform the other party of the situation. The customer service claimed that Mr. Yang's operation was still problematic, saying that he had reminded Master Yang before, requiring him to check with the customer service after the transfer was successful, and only after the withdrawal could be carried out, and now because of Master Yang's irregular operation, his loan amount together with the transfer of 15,500 yuan was all frozen by the system.
Immediately afterwards, the customer service also sent an "official" document from the "China Banking and Insurance Regulatory Commission", saying that after monitoring by the background system, Master Yang was suspected of serious loan fraud, and asked Master Yang to immediately unfreeze the second time in accordance with the requirements of the document.
According to the document, according to the relevant regulations, Master Yang must reconnect with the total frozen funds, and remit a loan of 31,000 yuan and a total of 46,500 yuan of transfer funds of 15,500 yuan to the designated account within 45 minutes for secondary verification.
If Master Yang fails to complete it in time, it will be regarded as a serious disruption of the rules and will face huge damages of up to 260,000 yuan, as well as corresponding legal liabilities.
Seeing such a realistic "red-headed document", Master Yang was stunned all of a sudden, he planned to simply apply for a loan, but he never expected that things would take twists and turns, and finally fell into such a situation inexplicably.
After understanding the cause of the matter, Ye Junhong, the anti-fraud commissioner, told the truth, "This is fake loan fraud, even if your card number is entered correctly, the scammer can modify it from the background, they take advantage of the party's rush to achieve results, inform them of the operation error, ask them to transfer and unfreeze, the ultimate purpose is to carry out fraud." ”
Master Yang sighed, "yes, I didn't expect it at that time!" It's good to ask you, otherwise the losses would have been even greater. ”
The police checked the relevant content in Master Yang's mobile phone and judged that he believed the strange link, and as a result, he installed a copycat lending APP, which led to being deceived.
After knowing that he had encountered fraud by downloading fake apps, Master Yang was very depressed, "Now that the loan has not been completed, I have transferred more than 15,000 yuan according to their requirements, and I can't get it back." ”
The police reminded Master Yang that online loans must be cautious and must be handled through formal channels, and if the money is not implemented, it will be a fraud to transfer money!
Subsequently, the two carried out detailed anti-fraud propaganda and prevention work for Master Yang, and helped him download and install the National Anti-fraud Center APP to turn on the call warning function. The case is being further processed.
Source: Hangzhou Jiaotong 918