According to the State Administration of Financial Supervision, recently, criminals have pretended to be financial regulatory authorities or staff, and carried out fraud under the banner of "P2P clearing refunds", "eliminating bad credit investigations" and "accepting complaints". The State Administration of Financial Supervision and Administration issued a risk warning for consumer rights protection, reminding financial consumers to be vigilant, enhance anti-fraud awareness and identification capabilities, and protect personal information and property safety.
There are usually the following ways to pretend to be a financial regulatory authority to commit fraud:
Method 1: Forge documents from financial regulatory authorities to commit fraud. Criminals falsely use the name of the State Administration of Financial Supervision and Administration to publish false information such as "P2P lender risk special clearance notice" and "financial platform clearance notice" through telephone text messages, express letters, and the Internet to lure investors through the so-called " "Official Refund Channel" for "Refund Registration". After the investors are registered, criminals will defraud investors of their money by using the need to pay a security deposit as a condition for payment.
Method 2: Fake financial regulatory authorities to accept complaints and commit fraud. After consumers complain through unofficial channels, criminals use illegally obtained consumer mobile phone numbers, complaint content and other information to contact consumers on the grounds of "resolving complaints" and "refunding claims" to induce them to click "XX supervision department online "Claim Center" and other false links or use video conferencing software to create the so-called "XX Regulatory Department Conference Room" to trick you into logging in and enabling screen sharing, thereby defrauding important information such as bank card numbers, online banking passwords, verification codes, etc., and stealing consumers' funds.
Method 3: Pretend to be a financial regulator to "eliminate bad credit records" to commit fraud. Criminals pretend to be the staff of the financial supervision department, use illegally collected personal information such as bank card number and loan amount, contact consumers through telephone, social software, etc. Overdue records will be included in the "credit blacklist". If you want to "repair credit", you need to transfer funds to a designated "special account" for "credit proof", and say that the money will be returned later. Once consumers believe it is true and operate the transfer, the criminals quickly transfer the funds and hide them.
The above fraudulent methods are all illegally using the name of the financial supervision department to carry out fraud by taking advantage of the psychological characteristics of some financial consumers who are eager to solve their difficulties, recover their losses, and prove their innocence. In order to protect the legitimate rights and interests of consumers such as information security and property security, the State Administration of Financial Supervision and Administration reminds:
1. The financial supervision department does not directly handle financial business, nor will it have any capital transactions with consumers. The financial supervision department has never established or authorized the establishment of P2P, investment and wealth management and other "return channels", and will not carry out fund withdrawal work for the public through QQ groups, WeChat groups, trading platforms, etc. Consumers are requested to be vigilant and beware of being deceived.
2. Choose legitimate financial services from formal institutions. If consumers have financial needs such as borrowing, wealth management, and insurance, they should obtain financial services through institutions with corresponding business qualifications. Don't blindly believe in "low-interest and fast" "mortgage-free guarantee" loan business and "principal guarantee and high-yield" wealth management products promoted through informal channels such as strange calls, text messages, advertising leaflets, and social media.
3. Strengthen the protection of personal information and beware of information leakage. For "internal information" from unknown sources and information released and disseminated through unofficial channels, consumers should carefully identify and properly keep important information such as ID number, bank card number, password, and verification code, and do not click on unknown links or download unknown apps. Share the screen with strangers, provide personal information prudently, and avoid property loss due to information leakage.
4. Protect your rights legally and reasonably through official channels. In the event of a dispute with a financial institution due to a financial product or service issue, consumers can first choose the official complaint acceptance channel announced by the financial institution for handling; if no agreement is reached, they can apply to the local financial dispute mediation organization for mediation or report to the financial regulatory authority. Do not click or open the so-called "official complaint link" sent by strangers at will.
5. Report to the police in a timely manner if clues to crimes or losses are found. Once encountering fraud or discovering clues of suspected illegal crimes, consumers should report the relevant situation to the public security organs in a timely manner, and should not trust organizations or people who claim to be "Internet police" or "hackers" on the Internet to avoid being deceived again. At the same time, pay attention to retaining evidence, actively provide clues, cooperate with the public security organs in the investigation of the case, and try our best to recover the loss.
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