Man was impersoned to overdraw 120 thousand banks: customer information or leakage

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 Man was impersoned to overdraw 120 thousand banks: customer information or leakage


At present, the two banks have been investigated and verified, Zheng Gangs credit card for others to deal with the fake, is currently helping to restore their credit, and will not let him repay. However, the information leakage, the bank failed to effectively identify, leading to Zheng Gang months of credit crisis, and how to repay?

Zheng Gangs credit history

Receiving bank reminder information?

Litigant: when did I run credit cards?

At the very beginning, the other party called and I thought it was a harassing phone. I hung him up several times. In late September of this year, Zheng Gang received many calls from Beijing number. He did not care. Because the same number repeated calls every day, he finally picked up. The other party claimed to be a bank customer service, and told Zheng Gang, his name has a credit card spent 70,000 yuan, overdue. I thought I was a liar and hung up the phone.

Zheng Gang said that he felt something was wrong because of the continuous calls, so he made inquiries to the banks customer service. Only then did he find out that he had a credit card under his name. He did not rest assured, quickly went to the Peoples Bank of China to inquire about his credit card, when the detailed list came out, there were two different banks under the name of the credit card overdue situation, he finally believed, but he said, I did not have credit cards in these two banks, how can this happen?

Before Zheng Gang knew what was going on, the banks reminder message arrived in early October. The message mentioned that Zheng Gangs credit card had been seriously overdue. Our bank may take the reminder and upgrade measures for you, please repay the arrears within 2 days. Our bank intends to request the department according to the provisions of the Civil Procedure Law. The law department safeguards our legitimate rights and interests. If your behavior meets the requirements of the Criminal Law concerning the suspected credit card crime, we will report the case to the public security organ according to law.

Subsequently, Zheng Gang contacted the relevant personnel of the bank, because for a time can not find out whether what he said is true, in all kinds of helplessness, he complained to the Sichuan Banking Regulatory Bureau, and at the same time to the police.

The two cards overdrew nearly 120 thousand.

Overdue more than four times

One of the credit cards was last repaid in June, which means that Zheng Gangs personal credit has been affected since July. On October 23, the reporter called the customer service of the two banks to inquire about Zheng Gangs overdraft quota. As of the day of inquiry, the two credit cards under his name had overdrawn 37,000 yuan and 80,000 yuan respectively, with a total of more than 4 overdue times. The part exceeding the credit quota is interest. Customer service staff said.

In the credit report, it also showed that two other banks, credit cards in the process of approval, Zheng Gang said that the two I did not hand in any information card, I called them, and then the other side helped me cancel.

A few days ago, the credit card overdraft of the two banks and Zheng Gang made contact to verify Zheng Gang said, according to Zheng Gang, one of the banks provided the information submitted by the then cardholder found that the cardholder provided the ID card, address information and their ID card address information is inconsistent, head, name. The characters and ID card numbers are exactly the same. On the photocopies of the cardholder and the banker, the cardholder looks very much like himself. So, is the fact really like Zheng Gangs saying that someone else has run a credit card by name?

Bank response:

Suspected customer data leakage is being used by others.

The banks Credit Card Center Chengdu Branch responded that on Oct. 18, the branch received a complaint from customers issued by the Sichuan Banking Regulatory Bureau. The credit card customer Zheng Gang said to himself that he had never handled a credit card at the bank, but when inquiring about personal credit, he found that someone falsely handled it in his name. After preliminary verification, the suspected customers personal data was leaked and used by the lawless members of the society to apply for credit cards in its name. Our center will restore customers personal credit as soon as possible in the light of the actual situation of the survey.

The bank said, This incident has also sounded a warning to us. First, the public should pay attention to protecting their personal identity information, not to disclose to unidentified personnel at will; second, the banking supervision should be constantly upgraded, not to give lawbreakers an opportunity to take advantage of, while strengthening internal management and training, to enhance staff. Risk identification ability.

And another bank responsible person also confirmed to reporters, after investigation, Zheng Gangs information was indeed stolen, by others fake card, and then will resume Zheng Gangs personal credit, not allow them to repay the arrears.

According to the bank, credit card processing, although the need to provide detailed personal information and information, but on-site identification or through the naked eye, a lot of credit cards are handled outside, not at the bank counter, as long as the identification information is accurate enough.

In order to get rid of the black pot of arrears, Zheng Gang, who lives in Dujiangyan, has made three trips to Chengdu. Although the credit record can be restored, it will take more than a month. Then, who will bear the losses that may be caused to him in the months that credit investigation has been affected?

Lawyers say:

The alleged infringing bank should help the parties to eliminate the influence.

It is not uncommon for credit cards to be falsely overdrawn through online inquiries, and even fake credit cards are publicly sold online. Jiang Wenjing, a lawyer with Sichuan Junhe Law Firm, said that according to the provisions of Chinas Tort Liability Law, If the act of a third party causes damage to others, the third party shall be liable for tort. The use of other peoples identity cards, and the handling of malicious consumption of credit cards, is to bear criminal responsibility, but also to compensate the loss of the victim. At the same time, Yang Weiping, a lawyer from Sichuan Tongxingda Law Firm, argues that fraud has been suspected for counterfeiters who use false information to handle credit cards and make malicious overdrafts. When the bank handles the credit card, because of the change of time and appearance, it is difficult for the bank to make a precise judgment on the artificial identification. However, the bank failed to stop the fraudulent use of credit card in the examination and should help the parties eliminate the influence. Source: Chengdu business daily editor: Zhang Xianchao _NN9310

It is not uncommon for credit cards to be falsely overdrawn through online inquiries, and even fake credit cards are publicly sold online. Jiang Wenjing, a lawyer with Sichuan Junhe Law Firm, said that according to the provisions of Chinas Tort Liability Law, If the act of a third party causes damage to others, the third party shall be liable for tort. The use of other peoples identity cards, and the handling of malicious consumption of credit cards, is to bear criminal responsibility, but also to compensate the loss of the victim.

At the same time, Yang Weiping, a lawyer from Sichuan Tongxingda Law Firm, argues that fraud has been suspected for counterfeiters who use false information to handle credit cards and make malicious overdrafts. When the bank handles the credit card, because of the change of time and appearance, it is difficult for the bank to make a precise judgment on the artificial identification. However, the bank failed to stop the fraudulent use of credit card in the examination and should help the parties eliminate the influence.