(A) How to identify false online loan fraud
Liars use instant messaging tools such as QQ and WeChat to communicate with victims and collect money.
Claiming that he is a staff member of an online loan product, he can operate it manually.
There are various problems in the process of loan, and the final solution is payment. It is fraud to collect all kinds of deposits, verify funds and unfreeze funds before lending.
The official account of WeChat WeChat, the fake online loan product used by scammers, does not have the trademark protection mark "R", and the certification subject has the certification mark "√".
Recently, the means have been upgraded. Liars guide victims to download fake online loan apps or visit phishing websites by scanning QR codes or clicking links. After the victim fills in the information, he modifies the data in the background and fabricates reasons to guide the user to pay.
(B) How to prevent false online loan fraud
Regular online loan customer service will not contact users through QQ, WeChat and other chat tools, nor will it charge fees, and promise to manually operate the loan/cash withdrawal operation.
The credible communication channels of formal online loan products are the official customer service phone number and the customer service interface in the official APP downloaded through the official mobile app store. For example, Xiaoman's official customer service phone number is 95055. The formal platform only has an "open automatic application process", without "internal opening" and "manual operation". You can verify the authenticity of customer service identity through the official customer service phone.
Search for the names of regular products and companies through Baidu, and the websites that are officially trusted in the search results will be marked as "official". Don't click on unknown links, beware of phishing websites.
Search for the name of the online loan product through the official WeChat account, and the official WeChat account will have the trademark protection mark "R" and the certification mark "√". The official account of phishing WeChat forged by scammers is usually a personal subject with no authentication mark.
The trusted access channel of online loan product APP is downloaded through official website and the official mobile app store. Never download the APP by scanning the code or clicking on the link.
Install and register the "National Anti-Fraud Center" APP, turn on the early warning function, learn more anti-fraud knowledge in daily life, raise anti-fraud awareness, and prevent problems before they happen.