Is it a scam when “JD Financial Customer Service” calls to cancel my account?

Reporters丨Jiang Chao Liu Kejun

Recently, several alumni of a university in Chengdu reported to reporters that they received calls from unknown mobile phones, and the callers claimed to be JD Financial customer service. After confirming the name, ID number, school and other information, "JD Financial Customer Service" stated that the alumni had registered with JD Finance during their school days, but now due to platform rectification, they need to cancel their accounts, otherwise the students' credit will be affected.

"How like a liar! I didn't answer, I only asked two questions, 'Why are you a customer service person so bad at Mandarin?' 'Why did you call from a private phone?'" Has graduated two years ago Chen, who is now a graduate student at a university in Beijing, told reporters that the other party did not reply for at least 5 seconds, and then hung up the phone.

Although Chen was not deceived, reporters searched and found that many college graduates had received similar calls, and some students had lost money as a result.

The reporter then called Jingdong Financial’s customer service hotline, and the other party said that the students had suffered a phone scam, and the official has received many related complaints. A police officer from the Erxianqiao Police Station of the Chenghua Public Security Bureau reminded students to be wary of similar phone scams and to prevent the leakage of personal information.

Alumni exposure:

"JD Financial Customer Service" called to cancel their accounts

Many Chengdu college alumni: Almost fell into the trap!

"I was about to take a break when a call came from an unknown number. After the call was answered, he first announced himself as JD Financial customer service, then automatically confirmed my name and ID number, saying that I was studying there before. I registered with JD.com (name my undergraduate school to be precise). Now the platform needs to be rectified, and I need to cancel my previous account, otherwise it will affect the student’s credit report.”

Classmate Chen received a call from someone claiming to be JD.com’s customer service representative<. /p>

Chen, who is 25 years old and graduated from a university in Chengdu two years ago, is now studying for a graduate degree in Beijing. Recently, she received a call from someone claiming to be "JD Financial Customer Service." Classmate Chen told reporters that at first, he did not notice anything strange, but later, the pause between the "customer service"'s words made him doubt his identity.

"I asked him when he registered it, and he said 2016. I asked what specific day it was, and he paused and said June 30." Why the pause? Classmate Chen believes that if the other party is really JD Financial customer service, he should know the customer's registration data well. "Later he said that he needed me to add a customer service colleague's QQ account, and he would tell me how to log out."

"How like a liar!" Chen did not answer, but only asked two questions - "You Why is the customer service so bad in Mandarin? "Why did you call from a private phone?" Chen said that the other party did not reply for at least 5 seconds, and then hung up.

Feeling that something was wrong, Chen immediately searched for the keyword "Jingdong Financial Call", and a series of similar situations appeared instantly. After browsing the similar experiences of some netizens, he directly reported the incoming call. The number is flagged for scam calls.

In Chen’s opinion, this is a simple phone scam. "Anyone with a little common sense can recognize it, but there are students who have been defrauded of money by this little trick online. I feel deeply disturbed by the leakage of personal information."

Jia Jia also had the same experience. Classmate, he graduated from the undergraduate program in 2018 and is currently studying at Chengdu University of Technology. One noon in March, Jia received a call from someone claiming to be JD Financial customer service, asking him if he had ever handled JD gold bars during his undergraduate studies. "I said I forgot, and she said I had applied for it, and also reported my school and ID number. She said campus loans are illegal now and must be canceled, and then asked me to add QQ. I felt like a liar, so I blocked the phone number ."

In addition to classmates Chen and Jia, six other students from Chengdu University of Technology reported to reporters that they received the same call from "JD Financial Customer Service." Fortunately, no one has been fooled so far.

Process restoration:

All "authorization certificates" and "work badges" are available

Three steps to gain trust and transfer money to the designated account

The reporter searched for keywords on the web and found that graduates from colleges and universities in many places had the experience of receiving the same phone call, and many alumni lost money as a result.

The reporter contacted Xiao Li, a graduate from Jiangxi. She just started working and claimed that she had recently encountered a "fake JD.com financial customer service fraud incident." Similar phone calls and the same words, Xiao Li told reporters that he once believed the identity of "JD Finance", and it was not until he searched for relevant information on the Internet midway that he avoided greater financial losses. "I was going to lose 3,000 yuan, but I only lost 1.5 yuan. It's really gratifying!"

Xiao Li said that in early March, she received a call from Ganzhou, Jiangxi, "She said she was Jingdong Financial customer service is a girl whose Mandarin is not very good. I heard a very noisy voice and wanted to hang up! But because she accurately stated my personal information at the beginning, it caught my attention! ” p>

Xiao Li recalled that the other party first told him the school he graduated from, saying that Xiao Li had registered for Jingdong Baitiao during college. Then, the girl gave Xiao Li a QQ number of "Jingdong Financial Cancel Customer Service" and asked Xiao Li to cancel his account according to the instructions of the "Cancel Customer Service".

Xiao Li added the QQ number given by the other party. In her words, "This is like being on a pirate ship." She tried to "log out of customer service" through the three steps of pretending to be a signature, showing her work badge, and showing her authorization letter. Completely defrauded your own trust. "The personal signature of the cancellation customer service says 'Protect your personal privacy and protect your personal credit!' This is the first step to increase trust!"

Provided by "JD Financial Cancellation Customer Service" Authorization certificate

Work badge provided by "JD Financial Cancellation Customer Service"

Then, the other party showed a work badge with photo, name, workplace and employee number. "He asked me to download JD Finance, and then issued a business card to prove that I was indeed from JD Finance. The business card also had a photo and job number. This is the second step to increase trust!"

Not only the work card, but also the "cancellation customer service" issued an "authorization certificate" to Xiao Li. "It also says legal representative: Liu Qiangdong. This is the third step to increase trust!"

After gaining Xiao Li's initial trust, the "logout customer service" began to guide Xiao Li step by step: First, he opened a gold bar, then applied for a loan of 3,000 yuan to his own account on Alipay, and finally asked Xiao Li to transfer the loaned 3,000 yuan to a designated bank account.

The designated account provided by "JD Financial Cancel Customer Service"

During the whole process, Xiao Li was not without suspicion, but the "Alipay Borrowing Screenshot" sent by the "Cancel Customer Service" , allowing myself to increase my trust in it. In the screenshot, the reason for collection is "cancellation of student loan limit, clearing and closing the channel for collection." "It's so real, it's really scary!"

Screenshot of "Alipay Borrowing" provided by "JD Financial Cancellation Customer Service"

However, Xiao Li had an idea and in After searching keywords such as "JD Financial Customer Service" and "Cancel Account" on Baidu, she was shocked by the experiences of netizens that she had been deceived. When the "cancellation customer service" sent him the designated bank account to transfer 3,000 yuan, Xiao Li hung up the phone. The reporter noticed that the financial recovery account provided by the "cancellation customer service" was Linyi Kefubo Electronic Technology Co., Ltd. The reporter logged in to Tianyan and found that the legal person of the company is Dou Kefu, and there is currently no contact number.

"Later, I paid back the borrowed money and only lost 1.5 yuan in handling fees. I almost understood that they just wanted to use other people's loan lines to cash out. I hope everyone will be more vigilant!"

JD Finance reminds:

Many similar complaints have been received, customers need to be vigilant

“JD Finance currently does not have an official QQ or WeChat account”

Is JD Finance officially aware of this? On the afternoon of April 3, the reporter called the customer service hotline of JD Finance. "You received a call from JD Finance saying that at what time did you conduct campus loan business and it does not comply with national regulations. If you do not cancel it, your credit report will be affected, right?" After the reporter briefly described the situation, the customer service staff said, JD Finance No relevant calls were made to customers, and the calls the students received previously were not from JD Financial staff.

“This is a scam call. Our company has never had a campus loan business, nor does it have a cancellation department, nor does it have any cancellation department personnel. We have received many similar complaints so far. Please do not believe the calls made by unknown persons. Do not believe in phone scams regarding your transfer request."

So, are the "JD Financial Cancellation Customer Service License" and "Authorization Certificate" that deceived Xiao Li true? "It's fake, which means JD Finance has no such business at all," the customer service staff explained.

In addition, the customer service staff also told reporters that JD Finance’s internal regulations: staff are not allowed to add customers through personal WeChat or QQ. Violators will be punished and may even be fired in serious cases. "If customer information is needed, we will send a text message to the customer with the official short number, and the customer can operate according to the relevant links in the text message. Even if the text message cannot be operated, we will send an email. In addition, we will check the customer service staff before taking up the job. Training is conducted in Mandarin, and there will be no serious accent problems.”

Customer service staff reminded that JD Finance currently does not have an official QQ or WeChat account, and customers need to be wary of phone scams.

Erxianqiao Police Station:

No relevant alarm has been received yet

Remind students not to leak information at will

“JD Finance? Have all graduates received this call?” On the afternoon of April 3, the reporter called the Erxianqiao Police Station of the Chenghua Public Security Bureau next to Chengdu University of Technology. A police officer named Zhang told the reporter that no relevant alarm had been received yet, but Please be vigilant and refrain from leaking personal information casually.

“I believe you are still knowledgeable and don’t believe this easily.” Officer Zhang said that if any students are deceived and suffer financial losses, they can bring evidence to the police station for registration and filing. "But the most important thing is, don't trust this kind of call easily. You should be cautious when following the call to correct information, add numbers, especially when making payments, because there are more and more methods of telecommunications fraud."

“In the past three years, we have encountered cases where some students suffered from telecom fraud due to various reasons. Therefore, we often go to colleges and universities to conduct anti-fraud lectures and publicity to improve students’ anti-fraud awareness. Some students have indeed I don’t know much about it.”

Officer Zhang repeatedly reminded students not to leak personal information at will.

"Don't leak personal information easily online, on mobile phones, or computers. It can easily cause trouble for yourself." Officer Zhang gave an example. In addition to people often encountering activities on the street to register for apps to receive gifts, it coincides with the employment season, and many graduates Students may also encounter requests from recruitment companies to retain personal information, and must be vigilant to prevent information leakage.