Believe it or not, he clicked the link on the text message and downloaded an APP. Although the browser prompts that the download behavior is risky when downloading, the other party tells him that this is a normal phenomenon, and the APP is in the testing stage, which will not affect the loan operation.
Teacher Mao believes that the APP of large enterprises should not be too risky. I didn't have time to think about it, so I filled in my personal information and bank card account number on the APP. On the same day, the customer service asked Mr. Mao to transfer money in the name of handling fee, deposit, bank account unfreezing fee and withdrawal fee, and told him that he would receive all the transfer amount and loan amount later.
The gentle tone of the customer service lady let Mr. Mao relax his vigilance. I didn't receive a penny, transferred 8000 yuan, and didn't receive the debit note at night. When he sent a message to the customer service again, he found that it had been deleted.
At this time, Mr. Mao realized that he had been cheated. He went to the police station to call the police.
What exactly is the APP that the liar asked Mr. Mao to download?
What is the truth behind the APP?
Is Mr. Mao the only "fat sheep" slaughtered?
Start with fake loan APP technicians.
Cut off the gray-black industrial chain
The police investigated and found that there were more than one similar case. More than a dozen cases in Shenzhen were committed by the same professional criminal gang.
After many efforts, clues to build fake websites and fake websites gradually gathered in Longyan City, Fujian Province, and a man named Chen Mou Bin was locked.
After a night of squatting, the police arrested the suspect Chen Mou Bin, and seized the crime computer, USB flash drive, key electronic evidence and 360,000 yuan from providing technical services for fraud gangs.
Through Chen Mou Bin, the police also tracked down a number of suspects along the route, participated in recruiting docking fraud gangs, tested fake websites, packaged fake websites into APP and signed them for authentication, and revised the source code of the websites.
Subsequently, Shenzhen police arrested suspects Xiang, Jiang and Zhu in Hubei, Anhui and Hunan respectively. At this point, this gray-black industrial chain gang that provided technical support for online loan fraud was wiped out. Technicians create fake loan applications.
More than 2000 cases involving fraud.
Through the verification of the electronic evidence of the gang's crime, more than 2,000 loan fraud cases involving many provinces across the country were verified.
Chen Mou Bing used to be a small boss. He started an online company and mastered some technical work of making apps and websites. After the collapse of the company, Chen Mou Bin came into contact with a fraud gang by chance, so he had a bad idea.
With the past technology, Chen Mou Bin found someone to package these apps online, so a fake app was born.
Liars find targets by texting or calling. When the victim downloads the Shanzhai APP, he pretends to obtain personal information such as ID card, and then requests the transfer for reasons such as "unfreezing fee". And all this is done and operated on the APP.
Online lending has become more and more common in recent years.
However, online lending platforms are mixed.
If you are not careful, you may be cheated.
The police reminded that the regular online loan APP will not charge any fees before lending, and the fee must be a liar. The customer service of regular online loan APP will not contact users through unofficial channels, such as personal WeChat and personal QQ, and will not ask users for personal information and verification code.
When downloading the loan App, users must choose the official software and download it on official application platforms such as the mobile phone application market. Don't easily click on the link and QR code of unknown application provider to download and install software.
In addition, these scammers have a common routine.
You need to understand
Routine 1: Pay back the loan first.
These criminals will first gain the trust of the victims and then charge the borrowers for various reasons. When the borrower asks for a loan, he will shirk it for various reasons and then run away.
Routine 2: Try to set information.
The attractive loan advertisements that pop up on the Internet, such as "zero-door-frame" loans, "loans with ID cards only" and "micro-loans with kickbacks", are often aimed at stealing the personal information of the victims.
Routine 3: Make use of college students' entrepreneurial loan policy to make profits.
This kind of criminals often take the form of usury to defraud students of money for college students who lack social experience.
Routine 4: lie about various identities and cancel the loan account.
These criminals will cheat some well-known app staff to remind you to cancel the loan account in time, and then defraud the handling fee.