( 1)? How to Identify "Online Loan Fake Customer Service" Fraud
Liars use instant messaging tools such as QQ and WeChat to communicate with victims and collect money.
A staff member who claims to be a well-known online loan product can operate it manually.
There are various problems in the process of loan, and the final solution is payment. Collecting all kinds of deposits, verifying funds and unfreezing funds are all frauds.
The official account of WeChat, a fake well-known online loan used by scammers, has no trademark protection mark "R" and the authentication subject has the authentication mark "√".
Recently, the means have been upgraded. Liars guide victims to download fake apps that imitate well-known online loans or visit phishing websites. After the victim fills in the information, he modifies the data seen by the user in the background, assists in fraud and guides the user to pay.
(2)? How to prevent "online loan fake customer service" fraud
Official staff will not ask for any reason to use private accounts to transfer money, scan codes to pay, provide verification codes, and install apps of unknown origin. If there are, they are all considered fake customer service scammers.
Customer service staff of well-known online loan products will not contact users through social chat tools such as QQ and WeChat, nor will they charge fees, and promise to manually operate loans/withdrawals.
The only credible communication channel for formal and well-known online loan products is the official customer service phone number and the customer service interface in the official APP. For example, the official customer service phone number with full financial resources is 95055. The formal platform only has an "open automatic application process", without "internal opening" and "manual operation". The telephone numbers of all contact users can be verified by the official customer service phone.
Search for the names of regular products and companies through Baidu, and the websites that are officially trusted in the search results will be marked as "official". The phishing websites of scammers are all sent through instant messaging tools.
Search for the name of well-known online loan products through the official WeChat account, and the official WeChat account will have the trademark protection mark "R" and the certification mark "√". The official account of WeChat, the fishing of scammers, does not have any credible certification marks, and it is generally a personal theme.
The trusted access channels of well-known online loan product APP are self-searching official website download and official mobile app store download. The scammer faked the app of a well-known online loan and sent it to the victim himself.
This answer is provided by Youhuahua, a formal credit platform under Xiaoman Finance (formerly Baidu Finance). Big brands have low interest rates, transparent interest rates and no pre-loan fees. The interest rate on Easy Loan Day is as low as 12000 yuan, the maximum loan amount is 200,000 yuan, and the longest loan period can reach 24 installments. Click on the bottom of the phone to measure the amount immediately.