Woman lost card name after emitting 3 bank cards, water exceeding 5 million Yuan-ID-IT information
On August 19, Yu Yan (not his real name) once again came to Chengdu, a Bank, a bank card with the person an imposter is still in her name. The card flow has more than 5 million Yuan, and make her squirm.
Two years ago, Yu Yan and friends while shopping in downtown Chengdu, whose wallet was stolen, lost ID card. After her replacement identity cards, but have not made a report to police. Until August 16, Yu Yan in banking, only to find that her ID card was an imposter in Jilin, Inner Mongolia, three bank card with the two different banks, covering transaction flow more than 5 million Yuan.
At present, the Bank has started an internal investigation into the program, asked Yu Yan declared his identity card has been lost, three accounts of false, and then suspend or remove "distorted" account.
Two years ago, lost ID cards
Now 3 more under a different account
On August 16, 22 years old Yu Yan came to South Renmin road, Chengdu is a Bank, get prepared for a savings card, this is her first time to open an account in the Bank. For the convenience of online shopping, she told the teller wanted to launch mobile banking and online banking, but the teller was stunned by her: "an identity card name on the only online banking, you have opened an online bank. ”
"I first came to open an account, how to open online banking? "Yu Yan confused, moved quickly to get the teller to find out, more shocking results-July 26, 2014, her ID card be used in baicheng city, Jilin province, a branch of a debit card, but the card not a penny.
"I have never been to Jilin, how can such a card? "Yu Yan remembered, April 5, 2014, at Chengdu University of her shopping with a friend when he was a small stole my wallet, ID is also lost. On April 8 of that year, she has been in Chengdu for a replacement ID card, but not to the police. She guessed, probably someone with a lost identity card to an imposter to open an account.
Query results surprised
One card flow of over 5 million
Will open an account in other banks use their own ID cards? 17th, Yu Yan went to 6 large banks, the results are shocking: her identity card in the Bayan Nur in Inner Mongolia to a bank to open a savings card, account opening time is July 2014. In addition, in baicheng city, Jilin province, another large Bank, her name also has a July 27, 2014 account savings card, the card balance is 0.
▲ "Yu Yan queries to own foreign bank information. 】
Yu Yan said she is Heilongjiang province in Chengdu University, now working in Chengdu, has never been to Inner Mongolia and Jilin, "but now in these two parts of two different banks, own a three card, it is wondered. "Then she called the police.
August 19, West City reported reporter accompany Yu Yan came to Chengdu people road that home large Bank, told context Hou, Bank print out has Yu Yan name in Jilin baicheng handle of a Zhang bank card of water listing, not see not know, a see scare a jumped: from July 2014 account, to February 2015 stop using, this Zhang bank card of trading over 200 times, are is with network silver turned out turned into, each pen amount are in 200,000 yuan around. Reporters preliminary statistics, the sum in excess of 5 million Yuan, gradually turning out 5 million Yuan.
ID is used to open an account
As State crimes for fear of being implicated
After the details, Bank staff gives the solution: current balance on this card is 0, Yu Yan's name card, you can take the normal flow, the loss of this card, and then put the card directly written off, "this program is very simple, you'll be able to do. ”
But Yu Yan believes that three different card there must be someone pick up her ID card to an imposter's household. Large amounts of money flowing in a few months, does not rule out criminals with this card to fraud or money laundering. "If I the normal process account, would mean that the risk to his own body Range Rover, admits this is my card? "She said that once a card is found to involve illegal activities, themselves not be affected?
Yu Yan was sorry, forgot to report lost ID card, but she also has doubts: "don't pick up an ID card will be able to open an account? Banks does not review it? ”
Bank response
Can I issue a statement
Banks go an imposter account procedures
Accounts are not being an imposter to open an account? If it is false, can you cancel? Questions for Yu Yan, South Renmin road, Chengdu, said the head of the Bank after the Bank met similar situations, customers to the bank card was used to open an account, request cancellation. There have been other banks, being deceived by fraudulent cases.
"Customers say their identity cards being used, but not the public security organs, could not confirm. "The official said, under normal circumstances, banks will require customers to produce a report of the public security organ to provide receipts or proof, then cancel.
However, it happened two years ago lost identity cards, Yu Yan did not report, provide proof of the road to nowhere, is only a "distorted" account exist?
The official suggested that banks can start an internal investigation procedures, signed by the Bank access to the card or monitor to verify the account is it Yu Yan. Secondly, by Yu Yan himself issued a statement, declared the original ID is already lost, this card to others an impostor account. Finally, she entrusts the Bank again, in the name of being an imposter, asked to log off the "distorted" account. This program has been recognized by Yu Yan.
Investigation of another bank had also decided the other two fake cards freezes account. At present, the two banks have been start to freeze, cancellation procedures.
Industry analysis
Impostor or party like
Bank staff have difficulty distinguishing
Yu Yan, Chengdu lost identity cards, why in Jilin and Inner Mongolia was an imposter to open an account? A banking industry analysis, Yu Yan after ID is lost, is likely to be used by others, found a man who looked like, Yu Yan's identity card to open an account, get away with it.
"Identity photographs and many of my varied widely. "She said, under normal circumstances, as long as not distinct, Bank staff would be difficult to refuse," banking is also very embarrassing, many staff members rely on the naked eye to effectively identify, can only rely on other supporting documents, such as account, social security card, driver's license, and so on. "Chengdu Bank head suggested that in case of loss of identity cards must be reported and a replacement ID card," even being an imposter to open an account because it has been reported, and not related to you. ”
Lawyer claims
Others use fake card crime
Impostors should not be held responsible
Beijing amber (Chengdu) lawyer Chen Yang said under the identity card Act, use of others ' identity cards by the public security organs ' penalty of 200 Yuan more than 1000, or 10th following detention, has illegally obtained, confiscation of illegal gains, engaged in criminal activity, criminal responsibility shall be investigated according to law.
Chen Yang said, in this case, if someone is using fake bank cards for illegal criminal activity, should be borne by the perpetrator liable, regardless of the Yu Yan, but she should cooperate with the relevant departments for investigation.
女子丢身份证后名下冒出3张银行卡，流水超500万元 - 身份证 - IT资讯
8月19日，于嫣（化名）再次来到成都一家银行，一张被人冒名办理的银行卡仍在她名下。这张卡流水曾超过500万元，让她寝食难安。
两年前，于嫣和朋友在成都逛街时，钱包被偷，身份证也丢了。之后，她补办了身份证，却没有向公安机关报案。直到今年8月16日，于嫣在办理银行业务时才发现，她的身份证先后在吉林、内蒙古被人冒名，在两家不同银行办理了三张银行卡，共涉及交易流水500余万元。
目前，两家银行已启动内部调查程序，让于嫣声明身份证已遗失，三个账户系冒名办理，再冻结或注销“歪”账户。
两年前丢身份证
如今名下多3个异地账户
8月16日，22岁的于嫣来到成都人民南路一家银行，准备办理一张储蓄卡，这是她第一次在这家银行开户。为方便网购，她告诉柜员，想开通手机银行和网银，但柜员的话让她懵了：“一张身份证名下只能开一个网银，你已开过一次网银了。”
“我第一次来开户，怎么会开过网银？”于嫣一头雾水，赶紧让柜员查清楚，结果更加雷人——2014年7月26日，她的身份证被用于在吉林白城市一家网点办理了一张储蓄卡，但现在卡上没有一分钱。
“我从没去过吉林，怎么会多出这样一张卡？”于嫣这才想起，2014年4月5日，还在成都读大学的她，和朋友逛街时不慎被小偷偷走了钱包，身份证也丢了。当年4月8日，她在成都补办了身份证，却没向公安机关报案。她猜，可能是有人拿着自己丢失的身份证去冒名开户。
查询结果很吃惊
其中一张卡流水超500万
会不会在其他银行也有人用自己的身份证开户？17日，于嫣专门去6家大型银行查询，结果令人震惊：她的身份证在内蒙古巴彦淖尔一家银行开了一张储蓄卡，开户时间也是2014年7月。此外，在吉林白城市另一家大型银行，她名下还有一张2014年7月27日开户的储蓄卡，这两张卡余额都是0。
▲【于嫣查询到的自己名下异地开户行信息。】
于嫣说她是黑龙江人，在成都读大学，现留在成都工作，从未去过内蒙古和吉林，“没想到现在在这两个地方的两家不同银行，自己名下开了三张卡，实在是想不通。”随后，她报了警。
8月19日，华西都市报记者陪于嫣来到成都人民南路那家大型银行，告知来龙去脉后，银行打印出了于嫣名下在吉林白城办理的一张银行卡的流水清单，不看不知道，一看吓一跳：从2014年7月开户，到2015年2月停止使用，这张银行卡的交易超过200次，都是用网银转出转进，每笔金额都在20万元左右。记者初步统计，转入款项超过500万元，陆续转出也在500万元左右。
身份证被冒用开户
如涉违法犯罪担心被牵连
了解具体情况后，银行工作人员给出了解决方案：目前这张卡上余额为0，卡在于嫣名下，可以走正常流程，先挂失这张卡，再把卡直接注销，“这个程序很简单，马上就能做。”
但于嫣认为，那三张异地储蓄卡肯定是有人捡到她的身份证后去冒名开的户。在几个月内有大额资金流水，不排除有不法分子用这张卡来诈骗或洗钱。“如果我走正常流程挂失销户，岂不是把风险往自己身上揽，承认这张卡是我的？”她说，一旦这张卡被查出涉及非法勾当，自己岂不是会受牵连？
于嫣很后悔，当初丢了身份证忘了报案，不过她也有疑惑：“难道捡了一张身份证就能开户？银行都不审查么？”
银行回应
可由本人出具声明
银行再走冒名销户程序处理
账户是不是被人冒名开户？如果真的是冒名，能不能销户？对于于嫣的疑问，成都人民南路那家银行的负责人说，此前银行遇到过类似情形，客户到银行称身份证被人冒用开户，要求销户。其他银行还发生过因此被盗刷、被骗的案例。
“客户说自己身份证被冒用，但银行不是公安机关，没法确认。”该负责人说，一般情况下，银行都会要求客户出示公安机关提供的报案回执或者相关证明，再进行销户。
但是，丢身份证的事情发生在两年前，于嫣当时没报案，提供证明这条路走不通，难道只能由着“歪”账户存在下去？
该负责人提出，银行可先启动内部调查程序，由这张卡的开户行调取签名或监控，来核实当初开户的是不是于嫣。其次，由于嫣本人出具声明，声明原身份证早已遗失，这张卡系他人冒名顶替开户。最后，她再委托银行，以被人冒名的名义，要求注销这个“歪”账户。这个方案得到了于嫣的认可。
另一家银行调查后也决定，将另两张冒名卡进行冻结销户。目前，两家银行均已启动冻结、销户程序。
业内分析
冒名者或与当事人很像
银行工作人员难以辨别
于嫣在成都丢了身份证，为何会在吉林和内蒙古被冒名开户？一位银行业内人士分析，于嫣的身份证丢失后，很可能被他人利用，找了一个长得像的人，拿着于嫣的身份证去开户，蒙混过关。
“很多人的身份证照片和本人相差很大。”她说，一般情况下，只要不是差别明显，银行工作人员就难以拒绝办理，“银行也很尴尬，很多时候工作人员靠肉眼难以有效识别，只能靠其他辅助证件，如户口本，社保卡、驾照等。”成都一银行负责人建议，如不慎遗失身份证，一定要报案并补办身份证，“就算被冒名开户，因为已报案，和你也没有关系。”
律师说法
他人用冒名卡违法犯罪
被冒名者不应承担责任
北京安博（成都）律师事务所律师陈杨说，《居民身份证法》规定，冒用他人居民身份证的，由公安机关处二百元以上一千元以下罚款，或者处十日以下拘留，有违法所得的，没收违法所得，从事犯罪活动的，依法追究刑事责任。
陈杨说，在本案中，如果有人使用冒名的银行卡进行违法犯罪活动，应由行为人承担法律责任，与于嫣无关，但她应积极配合有关部门调查。