"Zero mortgage, zero guarantee, low-interest loans?"

Under the guidance of a self-proclaimed "Xiaomi Financial Customer Service", Li Jing, who is a little short of money, downloaded and registered the "Xiaomi Financial" application (App) and wanted to get a loan. As a result, he couldn't get the money, was told to pay the "unfreezing fee", and even received an investigation notice from the "China Banking Regulatory Commission" ...

Will you be investigated if you don't pay the "thawing fee"?

On May 28th, Li Jing received a call claiming to be "Xiaomi Financial Customer Service".

"He said he could get a loan and let me chat with QQ. It happened that I was a little short of money recently, so I added QQ to understand the situation. " Subsequently, "Customer Service" sent a download link named "Xiaomi Finance" to Li Jing.

Li Jing told "Customer Service" that clicking the above link could not be downloaded, and the other party sent her a package to install, and said that she would choose "risk-free installation". When asked whether the loan needs to charge production costs, deposits and other fees, "customer service" replied that "the company does not charge any fees".

Only then did Li Jing feel at ease, installed the App, and completed the processes of registration, information filling and loan application submission. I thought that the loan of 20,000 yuan could arrive smoothly, but I didn't expect that there was a problem in the cash withdrawal link. The newly installed App page named "Xiaomi Finance" displays "Transfer failed, the extracted bank card information is inconsistent, resulting in abnormal account, please unfreeze" and "The correct card number cannot be recognized, please contact customer service for handling".

"The customer service told me that their money (20,000 yuan) was frozen because my bank card account number was wrong." "Customer Service" asked Li Jing to cooperate and provide information such as ID card and bank card, and paid a "thawing fee" of 6,000 yuan, and told her that she would receive 26,000 yuan after thawing.

Li Jing firmly believed that his bank account number was correct, so he hesitated and decided not to pay this 6,000 yuan. I thought it was over, but I didn't expect the other party to tell her that she would contact a lawyer to ask for compensation.

To Li Jing's greater fear, the other party also sent a Notice on Li Jing's Certification and Freezing of Loan Funds, which was signed by China Banking Regulatory Commission and China. According to the Circular, if Li Jing, the actual borrower, cannot be authenticated, our bureau will contact the Ministry of Justice to intervene in the investigation, contact its emergency contact, and if necessary, contact the local public security organ to maliciously apply for a loan crime and come to the door to collect evidence for investigation.

The reporter browsed the black cat complaint platform and found that there was more than one person who had the same experience as Li Jing. Some netizens said that after paying the "thawing fee", the other party will continue to ask for money for various reasons. After the transfer, the "customer service" could not be contacted and the loan was not received.

In response to Li Jing's complaint, Xiaomi Finance replied in the complaint of Black Cat: Recently, some illegal gangs swindled in the name of Xiaomi Financial Customer Service or pretended to be Xiaomi Financial App. Please raise your awareness of prevention. Please be wary of unfamiliar phone calls and SMS links on the grounds of asking for "production fee", "contract fee" or "termination", "online shopping return, compensation" and so on. We won't ask you to transfer money in any abnormal way.

Why does "account freezing" always happen?

Looking back carefully, Li Jing found that there were many doubts in the loan process:

First of all, why go to an unknown platform to download? After Li Jing complained, Xiaomi Finance was uninstalled on the mobile phone, and the installation package sent by customer service expired. The reporter searched and downloaded Xiaomi Financial App in the mobile phone application market, and verified it with Li Jing. Seeing the Xiaomi Financial App icon sent by the reporter, she said it seemed to be this software. But when the reporter sent her the main page after the App was opened, Li Jing said it was different from the previous installation.

Xiaomi Financial's official WeChat account has previously published an article, pointing out that fraud gangs will guide the deceived to download the cottage loan App on an unknown platform through telephone, SMS and online advertising. The deceived person registers personal information in the shanzhai loan App to apply for a loan, and the application amount is often unable to be withdrawn. At the same time, when personal information is leaked, he will transfer money or other behaviors step by step under the guidance of fake customer service, causing economic losses.

Second, charge first and then lend? Li Jing is not the only one who has encountered the word "unfreezing fee". On March 23rd, official website, Gansu Provincial Public Security Bureau reported a similar case: Mr. F saw an advertisement for unsecured loan while browsing the webpage, and then clicked to download the "Xiaomi Finance" App. After completing the registration, Mr. F submitted a loan application. "Customer Service" informed that the loan he applied for had to be cashed out first, and Mr. F transferred more than 8,000 yuan to the designated account; Later, the "customer service" asked to continue the transfer on the grounds that the account was frozen. Mr. F realized that he had been cheated and called the police.

3. The CBRC freezes the account? The former China Banking Regulatory Commission and the former China Insurance Regulatory Commission merged on 20 18, and the name was China Banking Regulatory Commission. Judging from the pictures provided by Li Jing, in the text of the so-called Notice, "China Banking Regulatory Commission" appeared. In addition, the signature was "China Banking Insurance Regulatory Commission", but the seal became "China Banking Regulatory Commission".

On June 23, the official WeChat account of China Banking Regulatory Commission issued a reminder: Recently, some criminals forged CBRC documents and lied that their accounts were frozen to defraud consumers; China Banking Regulatory Commission and its dispatched offices have no right to directly freeze the bank accounts of any unit or individual. Consumers should raise their awareness of risk prevention and beware of being cheated and losing money.

There are indications that Jing Li has met the "Gui Li". In fact, it's not just Xiaomi Finance that was impersonated by Gui Li. The reporter noticed that some netizens reported on various platforms that they had encountered loan apps such as Shanzhai Microfinance, Jingdong Finance, and Youhuahua, and were asked to pay fees by "customer service" in various names.

1069 Why is the SMS platform popular?

According to the monitoring data of the National Internet Financial Risk Analysis Technology Platform, by the end of May 2020, there were 280/kloc-0 counterfeit Internet financial apps, with 33.437 million downloads and 48,000 Internet financial counterfeit websites.

The reporter combed the cases notified by local police and found that there is a complete black industrial chain behind the Shanzhai loan App. Fraud gangs mostly publish loan information by telephone, text messages and online advertisements. And then send the download link of the cottage App to induce the transfer; In this way, users' personal information can be obtained for sale or telecom fraud or other purposes. The chain behind it involves cottage App development, personal information acquisition and advertising promotion.

On June 10, the People's Court of Ninghai County, Ningbo City disclosed the details of a case of online fraud using the shanzhai loan App in official website.

In this case, at the request of "customers", software developers have developed more than 70 shanzhai apps with the functions of "no payment port, modifying customer data in the background, sending" approved "and" freezing accounts ",and are responsible for subsequent modification and maintenance. Shanzhai apps named "360 IOUs" and "Baidu Rich Flowers" are sold at a price of 5,000 yuan each.

Recently, Beijing police have successively destroyed 1 1 illegal short message platform and four illegal advertising promotion gangs, and detained 120 suspects.

According to public information, 1069 SMS platform is a third-party platform for non-operating SMS service across provinces or nationwide. Provide short message platform services for other enterprises without charging end users. It can be used for service notification in internal office, banking, education, property management and other fields.

Some netizens said that most of the advertisements and suspicious text messages they usually receive begin with 1069.

According to the Beijing police, some qualified 1069 SMS platforms have provided various services for loan fraud criminal gangs by illegally reselling and acting as agents for 1069 numbers, which has become an indispensable key link in the telecommunication network fraud criminal chain. These illegal 1069 short message platforms induce victims to be deceived by sending short messages containing unsecured and credit-free loans, downloading links containing loan fraud apps, or directly docking the short message interface of loan fraud apps.

There are many ways to "fish" the cottage loan App. How do ordinary people recognize it?

Shandong Anti-Telecommunication Network Fraud Center pointed out: "It is very simple: 100% of all expenses (including handling fee, production fee, packaging fee, deposit, certification fee, running water, etc.). ) are all frauds! "

The Criminal Investigation Bureau of the Ministry of Public Security issued a reminder on the official WeChat account.

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.