1 example

During the break, Xiao Zhao received a phone call. The other party said that Xiao Zhao had registered a campus loan account during his school days. If he doesn't cancel, he will have to pay a high late fee, which will affect his personal credit information. On the grounds that the other party instructed to cancel the account, Xiao Zhao was asked to add the contact information of the staff, Xiao Zhao was asked to induce him to borrow money from a platform according to his instructions, and then transferred it to the so-called "safe account", and Xiao Zhao was asked to take screenshots at any time to keep the evidence. A month later, when Xiao Zhao received a call from the platform, he found himself cheated.

Preventive formula

Cancelling an account is a trap to trick you into paying late fees.

Special guidance requires vigilance. What can I do if I'm not interested?

The second is the "killing pig board" fraud.

2 cases

I met Xiao through the heterosexual dating App. After chatting for a few days, the two established an online dating relationship. The little liar took the opportunity to claim that he was an investor and wanted to make money with him. After several temptations, Xiao Chen logged into the financial investment platform through the link sent by the other party, and found it profitable after several profits. Xiao Chen keeps recharging the platform, and the amount is getting bigger and bigger. Finally, it recharges nearly 230,000 yuan. Chen originally wanted to recover the money, but now he dare not mention it, only to find that he was cheated!

3 cases

Through a social software, Ms. Li met a person who claimed to be a foreign military doctor. After chatting for a while, their feelings gradually warmed up. One day, a "foreign military doctor" claimed that he was paid $6,543,800+for his mission, and it was not safe to keep him around. She agreed to express to Ms. Li. Later, "foreign military doctors" began to ask Ms. Li for more than 280,000 yuan for various reasons such as freight, insurance and being detained by the customs. After that, the "foreign military doctor" suddenly lost contact. At this time, Ms. Li suddenly realized.

Preventive formula

Online marriage is tied together, and the other party cannot be afraid.

When all the money is gone, you wake up and find that you can't find a beautiful woman.

Third, online loan fraud.

4 cases

Xiao Lou has spent a lot of money recently. He searched an online lending institution on the Internet. After the loan application was successful, he found that the account was abnormal and could not be withdrawn. The customer service of online loan indicated that the deposit should be paid first, and stressed that the deposit will be paid with the loan funds. Lou has paid a deposit of 2000 yuan according to customer service requirements, and the account is still unable to withdraw loan funds. No one answered the customer service phone, only to find that he was cheated!

5 cases

Because Xu needed a project payment, he remembered a friend on WeChat who claimed to be able to help with the loan. After contact, a friend said that he could help Xu with the loan, but he had to pay a 30% handling fee first, and the later handling fee would be returned to Xu together with the loan. Xu transferred more than 5,000 yuan in the two accounts provided to the other party, and then the other party told Xu that if the audit failed, he would have to pay a certain handling fee. Xu once again transferred more than 6,000 yuan to the account provided by the other party. The next day, the other party asked for a transfer to unfreeze the funds again. At this time, Xu Cai realized that he had been cheated and called the police.

Preventive formula

The loan must be formally handled, but don't rush to review it.

Paying in advance is a scam. Why should I charge for borrowing money?

Fourth, refund fraud

6 cases

Kang received a phone call claiming to be e-commerce customer service, saying that the clothes he bought online were of poor quality and promised a refund. Hearing that the other party could tell the order information completely, Kang Xin thought it was true. After adding a customer service friend, the other party immediately sent a "refund" link. Kang, who is eager for a refund, truthfully filled in his personal information and the received mobile phone verification code as required. Kang didn't wait for the refund, but the swindler transferred the debit message of 13000 yuan from her bank card four times. Kang found himself cheated.

Preventive formula

Asking for a refund is very tricky in nine cases out of ten.

Please be careful about external links and keep sensitive information confidential.

5. Pretending to be a friend for fraud

Case 7

Grandpa Fang received a phone call

Put yourself first, and then do good deeds. Don't be in a hurry.

6. Pretending to be a public security fraud

Case 8

After retirement, grandma and her children received a phone call claiming to be "police officers of the Public Security Bureau". The other party said that my grandmother's bank card was suspected of money laundering and asked her to cooperate with the investigation. Grandma Tong believed it, so she transferred all the deposits in her name to her claimed "safe account" according to the request of the other party. After completing the transfer, Grandma Tong found that she couldn't get through to the "police of the Public Security Bureau" and realized that she had been cheated.

9 cases

Ms Xue received a strange phone call claiming to be a policeman. The other party informed Ms. Xue that she was suspected of a money laundering case and asked her to add a QQ number. After adding friends, the other party sent a police officer's card and a criminal arrest warrant with Ms. Xue's identity information on it, and asked Ms. Xue to find a quiet place for remote investigation and not to hang up. Then the other party claims that it needs to verify its financial ability and credit ability to prove its innocence, and let it remit the money to the other party's account after the online platform and bank loan, saying that it will be returned after the case is closed. Ms. Xue transferred 620,000 yuan to the account provided by the other party, only to find that she was cheated and called the police.

Preventive formula

The public security has a case-handling procedure and the relevant procedures are complete.

The security account is not credible, and the transfer request is deceptive.

Seven. False investment and financial fraud

Case 10

Grandpa Jiang, who loves stocks, received a phone call when he was doing the market. The other party claims to engage in securities trading, which can provide lower transaction costs. Curious grandpa Jiang downloaded the designated App according to the instructions of the other party. After more than a month, Grandpa Jiang continued to "profit" in this App and made additional investments. Grandpa Jiang wants to withdraw cash, and the platform shows that the account is abnormal and cannot be withdrawn. I contacted App customer service, and the processing was invalid. Then I couldn't even open the App, and Grandpa Jiang called the police.

Case 1 1

Teacher Zhang received a WeChat Friend Request, added it and recommended a stock exchange group to him. After Mr. Zhang joined the group, he was very moved to see that the group friends had made a lot of "profits". Under the guidance of group customer service teacher Zhang,

I loaded the "financial software" and recharged 60,000 yuan. In just one week, I made a profit of more than 7800 yuan and cashed in some profits. After that, Mr. Zhang continuously increased the investment amount, and finally put all his savings of 6,543,800 yuan+0,880 yuan into it. One day, Mr. Zhang logged into the account and found that the stock in the account was sold at the lowest price overnight and the funds were emptied. At this point, Mr. Zhang realized that he had been cheated.

Preventive formula

Regular institutions buy wealth management, invest rationally and help the elderly.

The fake platform is fighting for money every day, and there is nowhere to find it until the withdrawal.

Eight, single rebate fraud

Case 12

Grandpa Liao lived a frugal life after retirement. One day, he saw an advertisement in the "elderly activity group", "Easy money, every day". Grandpa Liao was moved. Add other friends, successfully brush a few strokes according to customer service requirements and successfully receive the principal and "salary". Grandpa Liao trusts each other more. Immediately, the "customer service" asked Uncle Liao to pay the "salary" together after brushing 50 orders at one time, and the amount of each order was getting higher and higher. When Uncle Liao finally realized that he had been cheated, he had lost more than 70,000 yuan.

Case 13

Miss Zou wants to find a part-time job and enter a WeChat group after online inquiry. After observing in the group for a few days, she contacted the group owner and found a part-time job of brushing bills. She tried to brush the 1.9 yuan and took it back to 4.9 yuan. After seeing that there was a cashback, Miss Zou relaxed her vigilance, listened to the owner's suggestion and downloaded a shopping App. First, she cashed in a small sum of money. Later, the amount became larger and larger, but the cash back was gone. Miss Zou wants to quit and asks for a refund. As a result, the other party defrauded more than 70,000 yuan for various reasons such as verifying the security of the account. After waking up, Miss Zou called the police.

Preventive formula

Brush advertising is not credible, be careful and make money easily.

Small kickbacks are used as bait to trick you into investing heavily.

Nine, posing as a leader fraud

Case 14

Xiao Zhang, an accountant of a company, received an email and sent an account nicknamed "the boss" of the company, asking him to join the QQ office group of the company. After Zhang joined the group, he found that there were still several members in the group. QQ nicknames are all employees' names, and "colleagues" talk about customers in the group. After some preparation, the "boss" said that there were two urgent items to be remitted to the customer for Zhang to operate. After Zhang transferred the money according to the instructions of the "boss", he called the boss to know that he was cheated and lost 426,000 yuan.

Preventive formula

Financial personnel need to be vigilant and process compliance.

The leader ordered the remittance, and I confirmed it in advance.

Related Q&A: Related Q&A: 40w online loans will all expire soon. Will it explode my address book of hundreds of people? Can't make it? Before 202 1, the third party's collection may have unscrupulously exploded your address book, but now, even if they get all your contact information through what channels, they dare not call, otherwise they will dig their own grave. Because the Civil Code was promulgated at the beginning of the year, the Personal Information Protection Law came into effect at the end of the year. It is wrong to breach the contract within the time limit, but there are national laws and regulations that clearly protect your legitimate rights and interests from infringement. The collection is based on business entrustment. It is normal for people who contact you after the deadline, but they are not qualified to contact you. So you don't have to pay attention to these third parties, and you can only communicate with the official customer service if you have any questions. But don't hesitate to complain as long as the third episode bothers you and affects your work and life. As long as they contact any irrelevant contact except yourself and the emergency contact you voluntarily fill in, don't hesitate to post a sub-topic and complain about him. If they break the address book, they can only say that they are ignorant and fearless. They express their opinions and complain. As for the result, it depends on their own luck and luck. It is wrong to breach the contract within the time limit, but it does not mean that we must tolerate third-party collection violations. After the deadline, relax, be modest, earn money with peace of mind, strive for early repayment, and settle the cancellation.