Such a scam is that there is no loan to provide one. The other party is not a real loan company. It is a liar who pretends to be a loan company. The liar made a phishing software to pretend to be a loan APP. A liar has only one purpose, that is, to cheat money.
Then we analyze several details in detail:
Will the wrong card number lead to freezing?
According to the basic knowledge of law and finance, the card number error will not be frozen, but the transfer is unsuccessful. The CBRC and banks will not freeze funds, and the CBRC has no right to freeze funds. If the account is frozen, there is no need to verify the funds or deposits to unfreeze it.
How to verify the authenticity of the APP?
First, identify the authenticity of the APP. You can find normal applications in the mobile app store. So if you encounter loan fraud, you can download another APP to see if it is true or not. The APP in the scam is usually downloaded through a short message link or a QR code given by others. I can't find it in the APP store, so there is something wrong with the app.
What are the characteristics of the account number that the swindler asks for transfer?
The fraudulent collection accounts are all ordinary personal accounts, not company accounts. The liar will say what special account or financial personnel account it is. Please remember that financial institutions will never use personal accounts to collect money.
Do you need to worry about legal liability and credit reporting?
Don't worry about repayment obligations. Because the loan in the scam does not exist at all, there is no repayment responsibility if the loan is not received.
Don't worry about affecting credit reporting. Because only formal financial institutions, in the case of loans overdue, are likely to affect credit reporting, and fraudsters themselves are not loan companies, and fraudsters have no ability to influence credit reporting.
Treatment method:
If you are cheated, call the police directly.
If you haven't been cheated, just ignore the liar and don't believe what the liar says. You can just delete everything in the scam.