In the first half of 2020, "campus loan cancellation" accounted for 32. 14% of all kinds of online loan fraud.
After the victim was cheated, he not only continued to bear huge loans, but also his personal life and work were greatly affected.
Claiming to be a financial platform customer service, helping to cancel the loan account.
In June 2020, Dong Chen, a Chaoshan youth, received a strange phone call from Shaanxi. The other party claimed to be a customer service staff and wanted to help him cancel the "campus loan".
According to the other party, Dong Chen used a loan when he was studying in Southern College of Sun Yat-sen University. Now the country should rectify the "campus loan". Entrusted by the China Banking Regulatory Commission, they helped "campus loan" students cancel their accounts to avoid affecting their credit information.
Dong Chen has graduated for six years, and he can't remember whether he registered. However, after the other party accurately stated his name, ID number, school and graduation time, Dong Chen believed the identity of the other customer service staff and thought, "If someone helps, please cancel".
Since 20 16, many national ministries and commissions have issued many documents to rectify "campus loan", standardize the management of "campus loan" service institutions, and ban the closure of multiple platforms. Liars use this as an excuse, saying that after the platform is closed, the "campus loan" account will also be cancelled, otherwise it will affect the credit information. In fact, personal credit information has nothing to do with whether the account is cancelled or not.
Almost at the same time, Zhong Ling, who graduated less than half a year ago, also received a strange phone call with similar content. She tried to cancel voluntarily. But an hour later, the phone came again. When the other party heard that Zhong Ling was cancelled, they asked QQ friends to help confirm the result.
Zhong Ling recalled that the other party said that there was an abnormal loan in the background, but Zhong Ling couldn't see it himself, so it didn't rule out that it would affect the credit investigation. Later, the other party sent a screenshot of "Sorry, the related platform' China Post Wallet' cannot be cancelled", indicating that to cancel the "campus loan account", the "China Post Wallet" must be emptied first, which laid the groundwork for the next scam.
Faking the customer service identity of the platform will send a fake "red-headed document".
Liang Cheng graduated from Jiangmen Open University for a year and a half, but he still failed to escape the fate of being cheated. On New Year's Day, 20021,Liang Cheng of Jiangmen received a strange phone call from Japan. The information that the other party said was leaked, and his account was stolen and registered, resulting in abnormal records. In a panic, Liang Cheng added the QQ of the other party.
After adding QQ, scammers will send fake ID cards, customer service work permits, and "red-headed documents" for the state to rectify campus loans to disguise their identities, and ensure that follow-up operations are supervised by the China Banking Regulatory Commission.
Liars will disguise the customer service of the online lending platform and send fake ID cards and work permits.
After gaining trust, scammers will throw out more words: whether it is the regular influence on credit reporting, the abnormal records hidden in the background, or the stolen account registration. The swindler pretended to be kind enough to help gain trust, but in fact he had dug a trap.
Under the guidance of layers, Dong Chen was defrauded of 60,000 yuan, Zhong Ling transferred 42,000 yuan to the other party, and Liang Cheng was defrauded of more than 60,000 yuan.
Zhong Ling must pay back nearly 4,000 yuan to China Post Company every month.
Share the screen to guide the loan and call the designated account to cancel.
After several phone calls, 95-year-old Chen Xiayi was cheated 189800 yuan. She graduated from chongqing technology and business university less than three years ago, and 189800 yuan is a huge sum for her.
After adding the other party's QQ, Chen Xia was pulled into the QQ working group of the "Cancellation Department" to facilitate communication. Later, Chen Xia knew that all the nine people in the group were liars except her.
"The other party asked me to' clear' all available loan lines and transfer them to the designated' inventory account' before I could cancel the number." Chen Xia said that the other party claimed that the loan was
Different from the previous telecom fraud, the scam of "canceling campus loan" is to induce the victim to "cancel the account". The swindler lied that "the loan amount was approved by them" and did not need the victim to repay. Then, on the grounds that personal credit information is related to all platforms, the victims are required to transfer loans on different platforms.
Chen Xia's deposit was cheated out of 25,000 yuan.
"They said that the quota on the online lending platform is theirs, and if they don't pay, they will have to pay late fees." Yu Min remembers that she asked the other party to call the police, but the other party arrogantly said to talk directly to the police. Fifteen minutes later, Yu Min went to the police station, handed his mobile phone to the police, and hung up the phone immediately there.
In contrast, Rebecca who is preparing for the postgraduate entrance examination is very lucky. Under the guidance of the other party's voice, Rebecca found that the amount requested for transfer was completely consistent with his credit limit, and Rebecca expressed doubts.
"Some impatient, threatening me, said I didn't cancel the account. I will pay for it myself in the future, and it is useless to find a court. " Rebecca said that she thought the other person was a liar and hung up the phone. Afterwards, she specifically called UnionPay to confirm the security of the account, but she still felt afraid that the other party could master so much accurate personal information.
Some people overdraw credit cards to repay loans, and some people are affected by overdue credit information.
After the victims reported the case to the local police station, most of them have already filed a case. But as long as the case is not solved and the loan is still on the victim's head, it will become a problem. Some people are robbing Peter to pay Paul, while others prefer to delay the repayment of loans because their credit records will be affected.
Borrowed 44,000 yuan from Chen Xia's younger brother and made a small loan. She borrowed more than 6,543,800 yuan from China Construction Bank for one year. She hasn't decided what to pay back when it is due.
Liang Cheng is paying back the money. He can earn more than 3000 yuan a month by working, almost all of which is used to pay off "small loans" and "loans". According to the repayment schedule, it will take nearly three years.
Yu Min decided not to retire first, but he was still detained by Meituan Finance.
In February, Yu Min's account ran out of money. After the platform fails to deduct money, overdue dunning is issued, and the interest is getting higher and higher.
The marked "overdue" has been recorded in the credit report of Zhong Ling. After being cheated, Zhong Ling had to face a loan of 42,000 yuan from China Post Consumer Finance Co., Ltd. (hereinafter referred to as "China Post Company"). After several times of communication, she reluctantly accepted the plan of 12 to repay the principal without interest.
"Come back every month.
More than 3,000 yuan is very stressful. "Zhong Ling said, she graduated from college only half a year, but also carrying 32,000 student loans. In desperation, she overdrawn 3027 yuan from her credit card and paid the first principal. At the end of 2020, Zhong Ling's father died of a sudden cerebral hemorrhage, and Zhong Ling himself lost his job and worked odd jobs in the supermarket, but he had no money to repay the second loan.
In the credit report, in addition to overdue records, Zhong Ling still has a student loan of 32,000 yuan to repay.
In February, she found a new job in a bank in Ganzhou. She informed the unit in advance that her credit information was "overdue" and asked to pay off the loan before joining the company, otherwise she would lose her job. She is under a lot of pressure. "I am only 20 years old, and I don't want to ruin my life because I was cheated once."
The application for cancellation of overdue records was rejected, with bad credit or accompanying 5 years.
In order to keep this job and eliminate the overdue records of personal credit information, Zhong Ling launched another tug-of-war.
Zhong Ling tried to communicate with China Post Company, paid the second principal, borrowed money from friends, paid the third principal on time, and prepared the fourth principal. She promised the customer service of China Post that it would not be overdue, but she still couldn't eliminate the bad record.
In Zhong Ling, the first loan was not repaid, and there was a record of overdue.
China Post Company replied to Zhong Ling that the platform has no right to delete the credit record when the loan of 12 has not been paid off, and the lender fails to repay the loan on time, so the personal credit record will inevitably leave a bad record.
"Although there is a reason for Ms. Zhong's overdue repayment, there is no way. Kym, a lawyer of Beijing Yingke (Guangzhou) Law Firm, explained that personal credit report is an objective record of personal credit behavior in the past, and does not distinguish between "goodwill" and "malicious" arrears.
"If the borrower fails to repay the loan, it is less likely that the platform will cancel the overdue record in advance." Chen Wenchang, a senior partner of Beijing Jiachuan Law Firm, said that after the borrower repays, the platform has the obligation to eliminate overdue records. If the platform cannot be fulfilled, the borrower can complain to China Banking and Insurance Regulatory Commission.
According to the "Regulations on the Administration of Credit Information Industry", the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. During the storage period, the information subject may explain the bad information, and the credit reporting institution shall record it.
For Ms. Zhong, after the loan is paid off, the overdue record may not be eliminated, and it may even be accompanied by five years. She can only continue to negotiate with China Post Company, hoping that the platform can understand her difficulties.
According to statistics of Weibo, the amount of fraud exceeded 100 million, and the Ministry of Public Security issued an early warning of high incidence of fraud.
In China, there are many cases of "canceling campus loans" fraud.
In June 2020, the Criminal Investigation Bureau of the Ministry of Public Security issued an early warning of "high incidence of campus loan fraud cancellation" and summarized the routine of such fraud. First of all, the scammer will contact the victim in disguise as a "platform customer service" and dispel the victim's doubts by forging a "business license" and a work permit; Secondly, the liar will accurately report the identity information of the victim, including name, ID number, address, loan amount, etc. for accurate fraud; Subsequently, the liar will fabricate reasons, such as affecting the credit information and making the victim panic; Finally, the victim is required to complete the transfer.
The Criminal Investigation Bureau of the Ministry of Public Security issued an early warning of "canceling campus loan fraud".
No matter whether there are online loan records or not, it is difficult to avoid the scam of "canceling campus loans". China Consumers Association once issued a document pointing out that there are two kinds of fraud methods for scammers: for those with loan records, scammers will claim that "it is necessary to cooperate with the cancellation of accounts in accordance with relevant national policies, otherwise personal credit information will be affected"; For those who have not registered an online loan platform account or have no loan record, the liar said that "your identity information has been stolen and registered an online loan account, and it will also affect personal credit information if you don't cancel it".
Deng Gang, a lawyer of Sheng Bang Law Firm, Guangdong Law School, believes that the revocation of campus loan fraud cases has three characteristics: in the form of crime, criminal suspects are suspected of infringing citizens' personal information in addition to fraud; Most of the victims are newly graduated college students with insufficient social experience; The scam routine uses the background of the state's rectification of campus loans, which is somewhat confusing.
For the victim, even if he knows that there is little chance to recover the loss, he can only wait after calling the police. "In the face of such fraud, we can only pay back the money slowly." Liang Cheng said.
(The deceived people in the text are all pseudonyms)
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