@乐清人，近期高发！不到两个小时，女子账户158万只剩22元
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<span style="outline: 0px;font-size: 16px;"><span style="outline: 0px;color: #007AAA;"><strong style="outline: 0px;">杭州临平的褚女士（化姓）的账户余额<br style="outline: 0px;"/>从158万元被骗了仅剩22元。</strong></span></span>
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<span style="outline: 0px;font-size: 16px;letter-spacing: 0.034em;">这是怎么回事呢？</span>
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<span style="outline: 0px;font-size: 16px;">日前，家住临平东湖的小祝（化名）<br style="outline: 0px;"/>拨打110报警电话，<br style="outline: 0px;"/>称自己的母亲遭遇了电信**，<br style="outline: 0px;"/>接到报警后东湖派出所立刻赶到现场，<br style="outline: 0px;"/>“150万，158万，150万零一点，160万，<br style="outline: 0px;"/>我一下子也说不清了，突然就变成了22元！”<br style="outline: 0px;"/>现场褚女士已经非常慌乱。</span>
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<span style="outline: 0px;font-size: 16px;">原来褚女士在当天傍晚接到一个自称是“<span style="outline: 0px;letter-spacing: 0.578px;">京东金融</span>”客服的电话，对方告诉她，<strong style="outline: 0px;"><span style="outline: 0px;color: #007AAA;">“根据银监会要求，国家**利率调整，要之前注册过金条业务的客户对账户进行注销，否则影响征信。”</span></strong></span>
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<span style="outline: 0px;font-size: 16px;">褚女士按对方的要求填写个人信息和银行账户信息，<strong style="outline: 0px;"><span style="outline: 0px;color: #007AAA;">下载了ZOOM视频会议软件，又打开屏幕共享功能。</span></strong>之后褚女士在向对方提供的“验资账户”上连续打了两笔共计20万元后，骗子又在“如意积存”平台购买了价值138万元的黄金理财产品。</span>
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<span style="outline: 0px;font-size: 16px;">“<strong style="outline: 0px;"><span style="outline: 0px;color: #007AAA;">骗子通过屏幕共享会看到受害者在操作手机时输入的网银登录密码。</span></strong>”由于网银转账时需要验证码，骗子先通过购买黄金理财产品，<strong style="outline: 0px;"><span style="outline: 0px;color: #007AAA;">让受害人看到账户余额“一下消失”从而惊慌失措，再以“协助退款”为由骗取受害人验证码，最后完成整套**。</span></strong></span>
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<span style="outline: 0px;font-size: 16px;">最终褚女士在警方的协助下，追回了自己一百多万元的存款。民警叮嘱褚女士及时修改银行账户密码，并帮助她下载国家反诈中心APP。</span>
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<span style="outline: 0px;font-size: 16px;">褚女士遇到的是近期高发的冒充京东金融客服的电信**案件，她并不是这个套路的唯一受害人。<strong style="outline: 0px;"><span style="outline: 0px;color: #007AAA;">骗子通常以“您的京东金条未注销，金条额度高于国家信贷利率额度。”“如果不注销，会影响您的个人征信！”等话术为开头引起受害人恐慌，如果你遇到类似的话术，立刻挂掉电话！</span></strong></span>
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<span style="outline: 0px;font-size: 16px;">记者了解到这类**并非孤例，仅记者身边的许多人就接到过类似电话，其中</span>
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<span style="outline: 0px;font-size: 16px;">今年6月18日，杭州市上城区一位教师接到自称京东金融客服的陌生来电，来电为外地陌生手机号码，对方在自报家门之后称“高利息额度会影响征信”要求他下载腾讯会议APP，引导受害者向某公众号发送信息，并点击陌生链接。受害者害怕个人征信受影响，将“违规高息额度”全部提取转到所谓“银保监账户”，先后多平台提取额度，<strong style="outline: 0px;"><span style="outline: 0px;color: #007AAA;">被**额度高达231万元。</span></strong></span>
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<strong data-brushtype="text" style="outline: 0px;">案例二：</strong>
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<span style="outline: 0px;font-size: 16px;">今年4月，在昆明的龚女士接到一个陌生电话，来电声称自己是京东金融客服人员，这个所谓的客服人员在电话中称“京东金条”的利率过高，属于违规网贷产品。随后就让龚女士加入一个钉钉会议群中，并教她用浏览器搜索“中国银行保险监督管理委员会.COM”。</span>
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<span style="outline: 0px;font-size: 16px;">龚女士一步步深陷泥潭，按照对方要求登录手机银行APP，**了10000元，转到对方提供的账号，随后又告知她其他平台也要用同样的方式，此时龚女士才发觉自己遭遇了电信**，随即报警。</span>
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<strong data-brushtype="text" style="outline: 0px;">这类**的作案手段一般分三步走</strong>
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<strong style="outline: 0px;"><span style="outline: 0px;font-size: 16px;color: #007AAA;">第一步：</span></strong><span style="outline: 0px;font-size: 16px;">骗子通过非法手段和渠道获取个人信息，并冒充京东金融客服，通过准确报出受害者姓名、单位甚至住址来套取受害者信任；</span>
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<strong style="outline: 0px;"><span style="outline: 0px;font-size: 16px;color: #007AAA;">第二步：</span></strong><span style="outline: 0px;font-size: 16px;">告知受害人在多年之前的某一天因为意外勾选，开通了“京东金条/白条”等服务，根据国家最新的法律法规，如果不及时关闭将会影响征信，进行进一步施压；</span>
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<strong style="outline: 0px;"><span style="outline: 0px;font-size: 16px;color: #007AAA;">第三步：</span></strong><span style="outline: 0px;font-size: 16px;">诱导受害人下载一些能屏幕共享的视频会议APP，通过远程指导受害人操作，引导其到借贷平台**后再将资金转到指定账户中。</span>
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<span style="outline: 0px;font-size: 16px;">据了解，有人会接连接到两三个类似的**电话，“连话术都一模一样”，只要有一点点犹豫说“一会儿再关”的，第二天还会接到类似电话。有些骗子还会反向PUA受害者：“你这么大人怎么这点分辨能力都没有？”当受害者说到派出所处理，对方还会煞有介事“好心提醒”：“记得带身份证。”弄得受害人自己都有些懵，怀疑对方可能不是骗子。</span>
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<strong data-brushtype="text" style="outline: 0px;">冒充京东金融客服用的是什么**话术？</strong>
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<span style="outline: 0px;font-size: 16px;">“银监会要求关闭京东白条，否则影响个人征信。”</span>
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<span style="outline: 0px;font-size: 16px;">“国家正在清理校园贷，如果你不及时注销，就会影响个人征信。”</span>
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<section style="outline: 0px;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);margin-left: 16px;margin-right: 16px;font-family: system-ui, -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">
<span style="outline: 0px;font-size: 16px;">“你的京东白条长期没有使用，如果不注销，会产生高额利息。”</span>
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<section style="outline: 0px;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);margin-left: 16px;margin-right: 16px;font-family: system-ui, -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">
<span style="outline: 0px;font-size: 16px;">“京东金条业务即将取消，我们现在帮你操作，并解绑相关银行卡。”</span>
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<section style="outline: 0px;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);margin-left: 16px;margin-right: 16px;font-family: system-ui, -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">
<span style="outline: 0px;font-size: 16px;">“你的京东金条利率过高，来电是为了帮忙降低**利率。”</span>
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<section style="outline: 0px;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);margin-left: 16px;margin-right: 16px;font-family: system-ui, -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">
<span style="outline: 0px;font-size: 16px;">“国家最近在整治校园**，不能随便给学生网贷，有**的需要注销京东白条，否则会影响后面的个人征信。”</span>
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<span style="outline: 0px;font-size: 16px;">“你先下载一款会议APP，然后打开共享屏幕，我会教你如何去操作。”</span>
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<section style="outline: 0px;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);margin-left: 16px;margin-right: 16px;font-family: system-ui, -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">
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<strong data-brushtype="text" style="outline: 0px;">这是什么新套路？</strong>
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<span style="outline: 0px;font-size: 16px;">从2022年12月到2023年6月期间，<strong style="outline: 0px;"><span style="outline: 0px;color: #007AAA;">“冒充京东金融**”案例频频高发。</span></strong><strong style="outline: 0px;"><span style="outline: 0px;color: #007AAA;">尤其是在节假日和电商大促期间，</span></strong>快递派送的来电较多，也是这类**发生的高峰期。</span>
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<span style="outline: 0px;font-size: 16px;">根据宁波公安发布的信息，2022年12月22日至31日，宁波市冒充某网购平台客服虚假征信类**，<strong style="outline: 0px;"><span style="outline: 0px;color: #007AAA;">累计发案189起，损失金额数百万元。</span></strong></span>
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<strong style="outline: 0px;"><span style="outline: 0px;font-size: 16px;">为什么骗子都爱冒充京东？</span></strong><span style="outline: 0px;font-size: 16px;"></span>
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<section style="outline: 0px;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);margin-left: 16px;margin-right: 16px;font-family: system-ui, -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">
<span style="outline: 0px;font-size: 16px;">京东的品牌知名度较高，很多客户会使用**购物，对京东品牌信任，但是很少使用京东的金融产品，多使用的是支付宝或者微信支付，所以当骗子在说“某年某月注册京东时勾选了京东金条/白条的相关服务”时，受害人也是云里雾里，“自己根本记不清”，只能模棱两可继续往下听。</span>
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<span style="outline: 0px;font-size: 16px;">以往的套路里，**者来电的号码多以“192”号段为开头的手机号码，而近期频发的**案例则毫无规律，记者了解到，目前会接到来自全国不同地区不同号段的手机号码，因为“经常买外卖或者有快递”，陌生号码也不会选择直接挂断，而是会拿起接听。</span>
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<span style="outline: 0px;font-size: 16px;">这次骗子搬出“银监会”和“人民银行”，利用“信贷利率降低”等模棱两可的信息差，让很多受害者信以为真。骗子开口也不谈钱，当受害者听到影响征信等话术，造成心理恐慌，很容易就上当受骗。</span>
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<span style="outline: 0px;font-size: 16px;">以往的**客服带有明显的地方口音，而近期接到电话的受害者表示，这些所谓客服们的普通话“都很标准，也不是AI，有时候语气很严肃”，已经很难单纯从口音分辨是不是真骗子。</span>
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<span style="outline: 0px;font-size: 16px;">记者查阅资料发现，冒充京东客服**已经不是什么新鲜事。最早记录冒充京东金融的**案件发生在2019年9月，以注销账户、清空购物车等理由骗取了受害人240万元。2022年7月21日，京东官方微博就发布过反诈提示，提醒用户不要受骗上当。</span>
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<strong data-brushtype="text" style="outline: 0px;">警方提醒：</strong>
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1、任何情况下不要给陌生人提供短信验证码；如果已经被骗，请第一时间报警并联系银行锁定账户；注意保护好自己账户信息安全，一旦发现非本人操作，第一时间修改密码。
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2、银监会、京东客服电话不会主动外呼，外呼客服号码为固定短号。如接到自称银监会、京东客服的电话，请提高警惕，切勿轻易转账，如有疑问请直接拨打96110咨询。
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3、如对方要求添加私人社交账号或至各类视频会议软件进行屏幕共享等协助操作，一定要果断拒绝！
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4、个人征信由中国人民银行统一管理，任何人无权删除或修改，如对个人征信存疑可登录中国人民银行征信中心查询。
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<span style="outline: 0px;font-size: 16px;">最关键的是：<br style="outline: 0px;"/>绝不转账！绝不转账！绝不转账！</span>
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<h2 style="margin: 0px;padding: 0px;font-weight: 400;font-size: 16px;max-width: 100%;overflow-wrap: break-word !important;box-sizing: border-box !important;font-style: normal;font-variant-ligatures: normal;font-variant-caps: normal;orphans: 2;text-align: justify;text-indent: 0px;text-transform: none;widows: 2;word-spacing: 0px;-webkit-text-stroke-width: 0px;white-space: normal;text-decoration-thickness: initial;text-decoration-style: initial;text-decoration-color: initial;outline: 0px;color: rgb(34, 34, 34);letter-spacing: 0.544px;background-color: rgb(255, 255, 255);visibility: visible;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;" >
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<span style="margin: 0px;padding: 0px;max-width: 100%;overflow-wrap: break-word !important;box-sizing: border-box !important;outline: 0px;color: #888888;font-size: 14px;letter-spacing: 0.544px;">来源：钱江晚报<span style="margin: 0px;padding: 0px;max-width: 100%;overflow-wrap: break-word !important;box-sizing: border-box !important;color: #888888;font-size: 14px;letter-spacing: 0.544px;text-align: right;text-wrap: wrap;background-color: #FFFFFF;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;"></span></span><br style="margin: 0px;padding: 0px;max-width: 100%;overflow-wrap: break-word !important;box-sizing: border-box !important;outline: 0px;"/>
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<span style="margin: 0px;padding: 0px;max-width: 100%;overflow-wrap: break-word !important;box-sizing: border-box !important;outline: 0px;color: #888888;font-size: 14px;letter-spacing: 0.544px;text-align: left;"></span><span style="margin: 0px;padding: 0px;max-width: 100%;overflow-wrap: break-word !important;box-sizing: border-box !important;outline: 0px;color: #888888;font-size: 14px;letter-spacing: 0.544px;text-align: left;">版权归原作者所有，如有侵权请联系我们</span>
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</h2> 已读 每天看新闻 套路太多
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