A woman's account with 1.58 million yuan left is only 22 yuan, which has been on the rise recently! In less than two hours, JD | customer service | account

In less than two hours,

Ms. Chu's account balance in Linping, Hangzhou

I was scammed from 1.58 million yuan, leaving only 22 yuan.

What's going on here?

Recently, Xiaozhu, who lives at Donghu Lake in Linping

Call the 110 emergency hotline,

Claiming that her mother had been involved in telecommunications fraud,

After receiving the alarm, the Donghu Police Station immediately rushed to the scene,

1.5 million, 1.58 million, 1.5 million, 1.6 million,

I can't say for a moment, it suddenly turned into 22 yuan! "

Ms. Chu was already very panicked on site.

Ms. Chu is at the police station

Ms. Chu received a call from a customer service representative who claimed to be "JD Finance" that evening. The representative told her, "According to the requirements of the China Banking Regulatory Commission, the national loan interest rate has been adjusted, and customers who have previously registered for gold bar business are required to cancel their accounts, otherwise it will affect their credit rating."

Ms. Chu filled in her personal information and bank account information as requested by the other party, downloaded ZOOM video conferencing software, and opened the screen sharing function. Afterwards, Ms. Chu made two consecutive transactions totaling 200000 yuan on the "verification account" provided to the other party, and the fraudster purchased a gold wealth management product worth 1.38 million yuan on the "Ruyi Accumulation" platform.

The fraudster will see the online banking login password entered by the victim while operating the phone through screen sharing. As a verification code is required for online banking transfers, the fraudster first purchases gold wealth management products to make the victim see their account balance "disappear" and panic, then uses "assisting with refunds" to obtain the victim's verification code, and finally completes the entire scam.

Finally, with the assistance of the police, Ms. Chu recovered her savings of over one million yuan. The police advised Ms. Chu to change her bank account password in a timely manner and helped her download the National Anti Fraud Center app.

Ms. Chu encountered a recent high incidence telecommunications fraud case of impersonating JD Financial customer service, and she is not the only victim of this tactic. Scammers usually start with phrases like "Your JD gold bars have not been cancelled, and the gold bar limit is higher than the national credit rate limit." "If not cancelled, it will affect your personal credit!" to cause panic among victims. If you encounter similar phrases, hang up the phone immediately!

The reporter learned that such scams are not uncommon, and many people around the reporter have received similar calls, including

Case 1:

On June 18 of this year, a teacher in Shangcheng District of Hangzhou received a strange call calling himself JD Financial Customer Service. The call was a strange mobile phone number from other places. After reporting his home, the other party said that "high interest rates will affect credit reporting" and asked him to download Tencent conference APP, guide the victim to send information to a official account, and click the strange link. The victim was afraid that their personal credit would be affected, so they withdrew all the "illegal high interest limit" and transferred it to the so-called "China Banking and Insurance Regulatory Account". They withdrew the limit from multiple platforms and were scammed up to 2.31 million yuan.

Case 2:

In April of this year, Ms. Gong in Kunming received a strange phone call claiming to be a customer service representative of JD Finance. The so-called customer service representative claimed over the phone that the interest rate of "JD Gold Bars" was too high and belonged to illegal online lending products. Subsequently, Ms. Gong was asked to join a DingTalk meeting group and taught her to search for "China Banking and Insurance Regulatory Commission. COM" using a browser.

Ms. Gong gradually fell into a quagmire. She followed the other party's request to log in to the mobile banking app, borrowed 10000 yuan, transferred to the account provided by the other party, and then informed her that other platforms would also use the same method. At this time, Ms. Gong realized that she had encountered telecommunications fraud and immediately reported it to the police.

The means of committing such fraud generally involve three steps

Step 1: Scammers obtain personal information through illegal means and channels, impersonate JD Financial customer service, and gain the trust of victims by accurately reporting their names, units, and even addresses;

Step 2: Inform the victim that one day many years ago, due to an accident, they opened services such as "JD Gold Bar/White Bar". According to the latest national laws and regulations, if not closed in a timely manner, it will affect credit reporting and further pressure will be applied;

Step 3: Induce the victim to download some screen sharing video conferencing apps, guide the victim to operate remotely, guide them to borrow money from the lending platform, and then transfer the funds to the designated account.

It is understood that some people will receive two or three similar fraud calls, "even the script is the same". If they hesitate a little and say "close later", they will receive similar calls the next day. Some scammers may even reverse PUA victims by asking, "How come you, as an adult, don't even have the ability to distinguish?" When the victim says the police station will handle it, the other party will still make a serious "kind reminder": "Remember to bring your ID card." This makes the victim feel a bit confused, suspecting that the other party may not be a scammer.

What fraudulent language is used to impersonate JD Financial customer service?

"The China Banking Regulatory Commission requires the closure of JD White Notes, otherwise it will affect personal credit reporting."

"The country is cleaning up campus loans, and if you don't cancel them in time, it will affect your personal credit rating."

"Your JD whitebar has not been used for a long time, and if not cancelled, it will generate high interest."

"JD's gold bar business is about to be cancelled. We will now assist you with the operation and unbind the relevant bank cards."

"Your JD gold bar interest rate is too high. I'm calling to help lower the loan interest rate."

"The country is currently regulating campus loans and cannot provide students with online loans casually. Those who have loans need to cancel JD's IOUs, otherwise it will affect personal credit reporting later on."

"Download a conference app first, then open the shared screen, and I will teach you how to operate it."

What is this new trick?

From December 2022 to June 2023, there were frequent cases of "impersonating JD Financial Fraud". Especially during holidays and e-commerce promotions, there are more calls delivered by express delivery, which is also the peak period for such scams.

According to information released by Ningbo Public Security, from December 22 to 31, 2022, Ningbo City impersonated a customer service representative of an online shopping platform to engage in false credit fraud, resulting in a total of 189 cases and losses of millions of yuan.

Why do scammers love to impersonate JD.com?

JD has a high brand awareness. Many customers will use JD Mall to shop and trust the JD brand, but they seldom use JD's financial products and mostly use Alipay or WeChat payment. Therefore, when the fraudster said that "JD's gold/white bar related services were checked when registering with JD in a certain year or month", the victim was also in a fog. "I can't remember clearly", so I can only continue to listen ambiguously.

In the past, scammers often used phone numbers starting with the "192" segment, while recent frequent fraud cases were irregular. Reporters learned that they currently receive phone numbers from different regions and segments across the country, because they often buy takeout or have express delivery, and unfamiliar numbers do not choose to hang up directly, but will pick up and answer.

This time, the fraudster moved out of the China Banking Regulatory Commission and the People's Bank of China, using ambiguous information gaps such as a decrease in credit interest rates, to make many victims believe it is true. Scammers don't talk about money when they speak, and when the victim hears language that affects credit reporting and causes psychological panic, they are easily deceived.

In the past, customer service representatives for scams had obvious regional accents, but recent victims who received calls stated that these so-called customer service representatives' Mandarin was "very standard, not AI, and sometimes their tone was very serious", making it difficult to distinguish whether they were real scammers simply based on their accents.

The reporter found through research that impersonating JD customer service to commit fraud is no longer a new phenomenon. The earliest recorded fraud case of impersonating JD Finance occurred in September 2019, where the victim was scammed 2.4 million yuan for reasons such as account cancellation and clearing of shopping carts. On July 21, 2022, JD's official Weibo account issued an anti fraud alert, reminding users not to be deceived.

Police reminder:

1. Do not provide SMS verification code to strangers under any circumstances; if you have been cheated, please call the police and contact the bank to lock the account; pay attention to protect the security of your account information, and change the password as soon as you find that you are not operating by yourself.

2. CBRC and Jingdong customer service phones will not take the initiative to call out. The customer service number of the outgoing call is a fixed short number. If you receive calls claiming to be CBRC and Jingdong customer service, please be vigilant and do not transfer money easily. If you have any questions, please call 96110 directly for advice.

3. If the other party requests to add a private social account or to various video conference software for screen sharing and other assistance operations, it must be decisively refused!

4. Personal credit information is managed by the People's Bank of China. No one has the right to delete or modify it. If you have any doubts about personal credit information, you can log in to the Credit Information Center of the People's Bank of China for inquiries.

The most critical is:

Never transfer money! Never transfer money! Never transfer money!