Does not change student certification affect credit investigation? Liar routine!
2022-01-23
"Your authentication is still a student identity. If you don't cancel it, it is likely to cause credit investigation problems..." near the Spring Festival, many young people will receive calls from customer service of major online loan platforms, claiming that they can use the shared screen to make loans and cancel the authentication. The reporter of Beijing Youth Daily learned that this is actually a fraud means implemented by fraudsters on the grounds that they can provide large loan limits to young workers. Posing as customer service crazy harassment Mr. Li, who lives in Chaoyang District, Beijing, has a similar experience. Mr. Li said that in early January 2022, he received a call from Alipay customer service. On the phone, the customer service accurately said the University Mr. Li had attended and the year of graduation. "The other side said that I have graduated many years, but the registered identity displayed in Alipay backstage is still a student of a certain university." Mr. Li said that the other party immediately threw out a series of statements, saying that due to the new regulations of the China Banking and Insurance Regulatory Commission, it was clear that microfinance companies should not issue Internet consumer loans to college students. If it is not changed as soon as possible, it will affect future use and may cause credit problems. At first, Mr. Li didn't take it seriously. He just said that he would "deal with it by himself later" and hung up the phone. But in the next half month, he kept receiving calls calling himself Jingdong, Tencent and Alibaba customer service. The problems mentioned were almost the same, which made him think "it's true". Mr. Li said that on January 15, he received another call from Huzhou, Zhejiang Province. Geographically, the caller ID is the key development area of Taobao and other companies. After the phone call, the other side claimed to be Alipay customer service, still reminded Mr. Li to change his student identity. Fearing that it would affect his future credit investigation, Mr. Li agreed to the change. Upon hearing such a reply, the other party immediately responded, which can help guide the operation, but must make changes under the supervision of a third party through the software video call designated by the cbcirc, and said that "if you are not at ease, you can apply at the offline service point". The forged trace of "credit investigation screenshot" is obvious On the same day, Mr. Li joined the video conference at the request of the other party. After the other party simply verified his identity, he closed the video and asked to open the sharing screen. According to the other party's requirements, Mr. Li opened Huabai, Jiebai, Jingdong white note, micro loan and other software in turn, and received an email from the "cbcirc", in which a picture was displayed as "student online loan query of credit investigation center", and recorded Mr. Li's name, registered mobile phone number, registered institution and other personal information, And indicate the data such as "there is risk in the state, and the safety factor of credit investigation is reduced by 69.5%" The reporter opened this picture and found that the PS trace was quite obvious, and there were obvious differences between the font, color and background. Mr. Li said that at that time, due to the video call, he did not download the pictures, carefully check them, and did not find any mistakes. Mr. Li was even more flustered when he saw the picture. The other party took the opportunity to remind him that the credit risk was caused precisely because the background of micro loan was not empty. He also inquired about the registered bank card information and instructed Mr. Li to send a short message to the bank "I apply for no principal and no interest, empty the micro loan education limit and change the account information". Immediately, Mr. Li received the bank navigation SMS and the verification code of "canceling our e-banking channel", indicating to turn off the SMS reminder function. At this time, the other party began to suggest that Mr. Li would withdraw 40000 cash from the micro loan to the bank card, and then activate and cancel the student registration. Speaking of which, Mr. Li realized that he might be caught in a hoax. "He is obviously Alipay. How did he guide me to the operation of the granular loan?" Mr. Li wakes up. He is sharing the screen. The other party knows his mobile phone number and can see the verification code pop-up in the screen. Once he withdraws cash, the other party can also see his bank card and password. At that time, the money in the card will be dangerous. After waking up, he quickly hung up the video call. It youth nearly lost 180000 loans Another Mr. Zhao engaged in IT industry also has similar experience with Mr. Li. In early January, it was the same routine. He received a call calling himself Jingdong customer service and accurately told him his graduation year and university. "The other party keeps reminding me that there will be problems if I continue to use the credit investigation as a student without clearing the white note." Mr. Zhao told reporters that at that time, he judged from the other party's accent that "this may be a scam". He said that during the video call, he also received a report from the "cbcirc credit investigation center". As like as two peas, Mr. Zhao received the so-called "report", which was the same as Mr. Lee, except for his name and mobile phone number. Mr. Zhao told reporters that the other party told himself, "if you want to cancel the bank card, you must withdraw the money inside clean, and so is the credit loan." So Mr. Zhao sent a text message to the bank according to the other party's requirements, and the loan of 180000 entered his bank card. Before I hung up, I received a "96110" call telling me that I had been cheated and that the public security organ had frozen the bank card. "I sweated at that time. Fortunately, the police stopped me in time, otherwise I would lose a lot." Mr. Zhao told reporters that he opened jd.com afterwards and found that an announcement was displayed on the front page of the customer service page, which clearly wrote: "the student member certification will be calculated according to the enrollment time and school system filled in during the user certification, and will be automatically released after graduation. During this period, it cannot be released by yourself. If you need to release the certification in advance, you can contact jd.com customer service for processing." "Unexpectedly, as long as you contact the official customer service, you can easily see through the scam." Mr. Zhao said. Cyber fraud against young people "It was a year ago that the China Banking and Insurance Regulatory Commission issued the provisions on student identity authentication, which is just a reason for fraudsters." Police officer Wang Jia of the anti fraud center of Beijing Chaoyang public security branch told reporters that all kinds of fraud and criminal activities are high near the new year, especially the network fraud against young people is higher than the traditional telephone fraud. She told reporters that although many young people don't have much savings now, all major platforms have liberalized various loan functions, which has promoted ahead of consumption to some extent. At the same time, many young people think they know the Internet very well. They think it is "regular personnel guide lending on regular platforms", so they relax their vigilance. They didn't expect to share the screen and let their personal information "run naked". As long as the fraudsters get this information from the sharing screen, they can transfer the loan from the mobile phone or ATM. Wang Jia said that by replacing new packages on the old road of false credit investigation and falsely claiming that the customer service personnel of major famous brand enterprises use the current policies and the credit of major brand enterprises as a smoke screen to guide the victims to carry out loan fraud, especially for young people who are skilled in mobile phone operation and have a certain loan limit. "Old scam, new packaging" In addition to the above, the previous swiping fraud has gradually replaced the "praise rebate" fraud near the Spring Festival. Wang Jia said that in addition to the characteristics of the victim's greed for small and cheap, criminals will also use the victim's enthusiasm for public welfare to defraud. As long as you like and pay attention to the public welfare platform, fraudsters will send small rebates and prepared public welfare videos. Subsequently, fraudsters will select "loyal fans" among many praise points and gradually lead them into the traps of online gambling, online loans and online investment. Text / our reporter Wang haoxiong / Zhang Bin remind Don't trust strange calls Personal information is not disclosed As the Spring Festival approaches, police officer Wang Jia of the anti fraud center of Beijing Chaoyang Public Security Bureau reminds the general public that unknown links are not clicked, strange calls are not credulous, personal information is not disclosed, and transfer and remittance are more verified. In particular, remind young people not to leave their bank card numbers, ID number and other information on the Internet, involving any loan operation, and believe it lightly. After a few minutes, they will check and operate with the official customer service. (outlook new era)
Edit：Luo yu Responsible editor：Wang xiao jing
Source：Beijing Youth Daily
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