——以上为广告——
来源 | 泗洪警方编辑 | 张新月 审核 | 张希刚
Online loan fraud has become a case of telecommunication network fraud
The most deceptive category with a high number of cases
Criminals use text messages, phone calls, fake websites, small cards, social software, email addresses, etc., to publish advertisements for small loans with "no collateral, no credit investigation, no guarantee, and fast lending" to attract target groups. After the victim contacted him, he falsely claimed that he could apply for a loan without collateral or security, and at a lower interest rate, so as to gain the victim's trust, and then tricked the victim into transferring money under various reasons such as "security deposit, benefit fee, insurance premium, and unfreezing fee", so as to achieve the purpose of fraud. The susceptible groups of this type of fraud are usually unemployed, self-employed, and other people who need loans.
Real-world examples
On July 24, Ms. Wang received a text message from "JD Finance", which showed that she had a loan of 180,000 yuan that could be used to receive it, so Ms. Wang clicked on the URL link in the text message to download the APP. After logging in, Ms. Wang completed her personal information in the app to apply for a loan, but at the last step, the loan was incorrect. Ms. Wang then consulted with the customer service, and the customer service said that because Ms. Wang's collection account was filled in incorrectly, the funds were frozen and the loan failed, and she needed to pay a deposit, so Ms. Wang transferred 12,000 yuan to the bank card number designated by the other party through online banking, and paid 3,000 yuan through WeChat scanning code, but still did not withdraw successfully, and the customer service said that because of the "operation timeout", she also needed to pay a deposit of 45,000 yuan, and Ms. Wang realized that she had been deceived.
Analysis of fraud routines
01
Link referral
"Potential customers" who have browsed loans on the Internet will be pushed various loan advertisements, including advertisements and text messages pushed by fraud gangs. When the "potential customer" opens the SMS link, he will enter a well-known loan platform made by the scammer with a high-quality imitation.
02
Fill in the information
As with the regular platform, fill in personal privacy information, including name, phone number, ID number, etc. Once the "lead" submits, it becomes the "accurate material" in the eyes of fraudsters.
03
Put the bait
Scammers let the "potential customer" see the loan amount on the platform, so that they feel that it is within reach, and when they are ready to withdraw, the so-called "customer service" will offer to pay a certain percentage of the withdrawal fee, deposit, etc. Many people who need money urgently will transfer this money out.
04
Incorrect information
After the deceived person has paid the fee, he will usually receive a reminder that the bank card or identity information and other information are filled in incorrectly, and the cash cannot be withdrawn.
Police tips
Don't click on the unfamiliar link in the text message, it is a website forged by fraudsters, and the APP you downloaded is just the same name as the regular APP, and the content in it is forged by fraudsters. To download any APP, you must download it through the official app store, and do not link it through unfamiliar web pages.