? What happened: Criminals called and pretended to be Alipay customer service, telling me that there was a quality problem with the Huaxikou product bought at Tmall, and whether I needed to pay for it. I said yes. From this sentence, I fell into the trap of a liar. First, Alipay claims are opened, and then 2 yuan is put forward from the reserve fund, but the reserve fund is generally drawn from 5 yuan. What should I do if it is exceeded? Return. So the liar gave an account number, transferred more, and then closed the petty cash channel. Of course, the imprest channel will always be in use (now think about how it is possible to close the imprest channel in 5 yuan. ), in order to close this channel, began a tragic way to be cheated. Liars will tell you that if you don't close the channel as soon as possible, there will be several times the interest every day. Then, if you can't automatically close the channel when you apply for overtime, you can do it manually if it doesn't work automatically. This is the third trick of the liar. So I will send you an account number for you to transfer money, because my bank card has a daily withdrawal limit, which is set by myself, and the daily transfer does not exceed 3 yuan. If something is necessary, you must go to the bank counter to handle it. Therefore, the scammer started the fourth move according to my actual situation, saying that I still have funds that have not been cleared, so I just opened one online lending platform and transferred it to my account, and then transferred it from my account to the account given by the scammer. Under the guidance of the swindler (whether it is necessary to claim, open the claim function, withdraw the reserve fund, return the reserve fund in excess, fail to automatically close the reserve fund channel, and ask to join the claim center, which is a QQ group. So far, it is all a phone call. I applied for a loan of more than 27, yuan in return, Xiaomi Suixing Loan, Jingdong Financial White Bar and Gold Bar, and WeChat Micro-loan. As long as I have doubts, I will be scared by criminals that I will have personal credit problems if I don't return to the designated account. What completely made me react was that the criminals said that all the money I transferred was the corporate account of Alipay Finance, and the financial personnel were all audited. Or I woke up the next day (the day before I was cheated, my head was not clear because I worked overtime until 4 am), and I suddenly realized that the corporate account could never be a person's name, but a company name. So I called the police. So far, I have transferred 21, yuan to criminals.
after calling the police, when I went to the anti-fraud center of the public security organ to make a statement, two others were cheated. One was cheated by 5, yuan just like me, and the other earned a high cash back. Moreover, the account provided by the other party transferred by the victim who earns high cash back is exactly the same as mine. The police say this is the trap of fraud now. It is a cycle to get money from you and then pay a high amount of cash back.
I want to sum up and use my own living case to give people a warning and reminder:
1. When you receive a strange phone call, if you hear a southern accent and your Mandarin is extremely poor, you can basically hang up. In particular, it is necessary to be vigilant when you see that the telephone number attribution and accent are completely different.
2. Never answer QQ voice calls or WeChat voice calls. Anyone who lets you share the QQ screen can basically call the police.
3. Don't take advantage of petty gain, whether it's claim settlement, high cash back or anything else, except directly posing as a threat from the public security system, everything else is a lie.
4. All the impersonators who tell you that they are a certain company and ask you to provide their personal names and account numbers when transferring money are basically liars, because the corporate business can only be the company name and account number, and there will never be a private account. Even if the other party tells you that it is the account number of the company's financial personnel, the financial personnel are legal.
? Chat with people around you, whether it's colleagues, friends or family members, even if it's a taxi driver, one of them is always awake to prevent being cheated. I didn't chat with the people around me because of my independent office, my husband's absence on business trip, driving without taking the bus, and so on, and I didn't remind the people around me that I might be cheated.
? 6. When transferring money, you must save the screenshot of the other party's account number and the successful transfer information. I just saved them all, and the amount of fraud is very clear, which can help the police find these accounts faster.
7. Don't blindly believe that you won't be cheated. I didn't expect to be cheated before I was cheated. In retrospect, the swindler's methods were very poor, but I was still fooled. This is definitely my own blind self-confidence and I didn't listen to the propaganda content of the public security organs on preventing online fraud. Being cheated really has nothing to do with education, social status and social experience.
Follow-up:
It took 24 hours from being cheated to calling the police. It happened that it was raining sleet in the sky, and my heart was as cold as this weather, from the inside out. From the moment I found out that I was cheated, I basically didn't eat. When I thought about it, I wanted to throw up. I had to sleep late at night until I was exhausted and fell asleep with my pillow on. I basically slept for a few hours, and then I was awakened and couldn't sleep anymore.
Recall what the police said, although you were cheated, you have to pay back the loan you operated yourself. If you can catch the criminals and the money is still there, you may get the cheated money back. In fact, there are many people who are cheated by various kinds around, and those who can finally get back the cheated money have basically never heard of it. I asked the police if they couldn't get the cheated money back at all according to their experience in handling cases. The police said that they could only try their best to investigate the case, and it was not impossible to get it back. The police say that swindlers nowadays are very arrogant, especially those who cheat online. He once handled a case. In the process of the policeman taking a record at the police station, the phone number of the liar arrived again. The policeman and the liar said that they were policemen and had cheated a lot. They also chased the victim and cheated. The liar said, "What's the matter? Come and arrest me if you have the ability!"
I'm thinking that the police have actually tried their best to face new crimes and are constantly publicizing them. There are leaflets issued by the community police at home, and the community police often send reminders to prevent fraud in the community package households. I didn't pay attention to them. Can you blame the police?
But I think as a powerful China, to build a harmonious society, the crackdown on online fraud should be strengthened and the sentence should be heavier. I'm fine. I have a proper job and a stable income. Although the amount of fraud is huge, I won't be pushed to the wall. However, many people are not like this. They may have poor living conditions and no stable income. What should such people do? This is forcing people to go to a dead end. Therefore, in combating and punishing online fraud, I think we should be severely punished.
There is also information about the public security system and the banking system. As long as a victim reports a case and provides an account number, the fraudster's account should be frozen regardless of the amount. At present, all major banks can only hold one personal first-class bank card, and the re-application can only be a second-class card, with a daily deposit and withdrawal limit of 1, yuan. So is it possible for all banking systems to check how many types of cards a person has run, and if it is abnormal, it will trigger an alarm and remind the banking system or the public security system to pay attention?
Of course, with the progress of society, the development of network has brought more convenience to people, and at the same time, it has also created more losses that are easier to realize. With the establishment and continuous expansion of application fields of big data systems, loans on online lending platforms are more convenient and easier to be used by scammers. How to strengthen the supervision of online platforms, as well as the function of finding abnormalities and alerting the police are also topics that need to be studied.
When I reflect on myself, I always feel that I am very busy. Actually, I am not busy, because if I am really busy, I will have no time to operate according to the requirements of the swindler. After all, the operation is also very time-consuming. I was cheated for 21, yuan, and it took almost a day to operate alone, so I am still too idle. There is still time to transfer money.
I have to keep myself busy, so I have to go back and start writing, and find something for myself. Writing is my favorite thing. It's bad to encounter online fraud, do what you like, or have no energy to think about how stupid you are, how stupid you are, and how miserable you are.
I hope that the swindler can be caught and the cheated money can come back, that is, there is little hope and hope, which at least supports me to try my best to return the money first.
21, bought the biggest lesson in life, as a wake-up, wake up, stay away from that arrogant me, and then stay away.