The old man was dressed simply, but there was a smile on his face.

In the past 15 years, the elderly have saved money in this bank every year, thinking that after a period of time, they can not only get the principal, but also get the interest, which is the safest way to save money.

On this day, the old man calculated that his son was going to talk about marriage, and Cary would have almost 1.2 million, which was enough to buy a wedding room for his son.

But when the old man happily walked to the bank counter and told the staff her account number, what happened next made her very unhappy.

Save money to buy a house for children.

Aunt Ji has retired this year. She and his wife have a son and a daughter. A son is sensible and a daughter is filial. Giving money to the old couple every once in a while is filial piety.

Aunt Ji's husband has a stable job and goes out to work by himself, not for anything else, but to make more money.

The old couple don't want to spend money on themselves, because according to local practice, their sons should prepare a bride price and a wedding room when they get married, and the money is reserved for their sons to get married.

Since 2005, Aunt Ji has squeezed tens of thousands of dollars out of her living expenses every year and deposited them in a bank near her home.

By 2020, the habit of saving money will last for 15 years. Aunt Ji calculated that there is almost10.2 million yuan in the account.

Seeing her son's wedding day approaching, Aunt Ji happily opened the door of the bank and handed the card to the counter staff with a happy face. A few minutes later, a cold voice came from the counter.

"Aunt, you have more than 100 yuan in your account. There are still four credit cards in your name, and the accumulated overdue loans owed to the bank are 6.5438+0.3 million yuan, which need to be paid off as soon as possible, otherwise it will be blacklisted. "

Aunt Ji thought she heard wrong, or the staff checked the wrong account. After repeated confirmation, the staff just repeated what they had said before.

Aunt Ji is worried. She doesn't understand: she has worked hard to save money all her life. How can she say no and it's gone? How can you still owe the bank money?

The bank staff comforted the aunt that she took out the money herself, remember? Or maybe the child and his wife helped get the money without telling her?

Aunt Ji remembers that she only withdrew money twice, 5000 yuan each time, 10000 yuan each time. Aunt Ji also made it clear that the bank card has always been kept by her alone, and her family has never touched the bank card.

Aunt Ji and the bank have their own words, and the two sides are deadlocked. It's no use arguing again. Aunt Ji had to leave bitterly.

Where's the missing money?

Aunt Ji really doesn't understand. When she went home and told her husband what had happened, her husband was also at a loss. How can the safest place become a place to swallow money?

The husband first comforts his wife, but he is also afraid that she will be old. Maybe she took the money out, or maybe she forgot to use it elsewhere.

But Aunt Ji repeatedly stressed that she didn't take such a large sum of money.

They don't know what to do. At first, the old couple were afraid to tell their children, for fear that they might complain.

Then there was nothing I could do. Aunt Ji still found her daughter.

When the daughter heard the situation, she realized the seriousness of the problem, called the police directly without hesitation, and accompanied her mother to the bank again for details.

My daughter asked the bank staff to print the account details of the last year to see where the money went.

It was found that on March 7th, 2009 and June 7th, 2009, two sums of RMB 654.38+million were transferred to Guangzhou Bangtai Technology Consulting Company in Ji Ayi's account. A week later, another 400,000 yuan in Aunt Ji's account was transferred to a person named Kang.

After these funds were transferred out, they were never transferred back.

Aunt Ji and her daughter said that this company still has this Kangmou. They don't know each other at all, and it is impossible to give them money.

Seeing this scene, the bank staff are also a little embarrassed.

Aren't these transfers operated by Aunt Ji? Then who can use aunt Ji's account?

Under the reminder of the police, the bank staff checked the mobile phone number and home address reserved by Aunt Ji in the bank.

Sure enough, the flaw came out.

When the bank staff read the mobile phone number that Aunt Ji left in the bank, Aunt Ji and her daughter were surprised because that number was not Aunt Ji's.

Maybe the bank card can be stolen and renamed?

Who is the invisible man behind the scenes?

Now the bank staff also understand that Aunt Ji did not transfer the money herself, but someone else did.

And who is the man who brazenly embezzled money from Aunt Ji's card?

Aunt Ji was not familiar with the mobile phone number reported by the staff and was furious. I don't know who is so bold and arrogant.

Under the reminder of her daughter, Aunt Ji tried to dial the other person's mobile phone number to find out.

Unexpectedly, when I dialed the number, Aunt Ji found this person in her mobile phone address book, and this person called Aunt Ji many times.

This person is none other than his account manager Xiao Dong.

Aunt Ji seems to know the truth in a trance.

Recalling going to the bank to handle business, because I was too old to operate, the account manager was very enthusiastic and helped Aunt Ji every time.

In the long run, the two became acquainted. Every time the time deposit expires, the other party takes the initiative to call to remind Aunt Ji.

Aunt Ji regarded each other as the bodyguard of money, and she was very relieved, but she didn't expect that there was a conspiracy behind goodwill.

The other party once asked Aunt Ji to open online banking, saying that it was convenient to transfer money, but Aunt Ji was too old to understand mobile phones and refused to handle it, not to transfer money.

However, due to repeated mention by the other party, Aunt Ji was a little embarrassed and opened online banking.

I didn't expect Xiaodong's talons to reach Aunt Ji at this juncture.

When Aunt Ji set the online banking password, Xiao Dong specially wrote it down. It was knowing Aunt Ji's online banking password that the manager Xiao Dong successfully transferred money behind her back.

Aunt Ji also recalled a detail. When handling business, Manager Xiao Dong didn't let Aunt Ji open the SMS reminder service. Now I know that since then, the other party has been thinking badly.

What did he do with the money?

Xiaodong operates in the dark, sells wealth management and lends money to Aunt Ji, but she doesn't understand. Every time Xiaodong calls the bank, she thinks the deposit needs to be signed. She has presbyopia and can't see clearly. She will sign where Manager Xiao Dong asks her to sign.

In order not to leave traces of stolen bank cards, Xiao Dong asked Aunt Ji to tear up all the receipts. There is no proof of reservation.

In retrospect, Xiao Dong once called Aunt Ji and said that she had a wealth management project at hand, which was very profitable. As long as she invests the money, she can get interest similar to the principal.

Aunt Ji didn't agree, but she didn't expect the other party to use her identity to use the money in the account without authorization.

Find out the reason, aunt Ji still don't understand:

For such a big bank, Xiaodong can't decide to approve such a large amount of business as a loan. It must be authorized by the president.

It turned out that when transferring money, Xiaodong and the president said that Aunt Ji was her sister-in-law and authorized her to handle it because of her poor health.

Considering that it was a domestic matter, the president did not ask in detail, but signed it under the condition of "being cheated".

As a result, these expenses were nominally recognized by Aunt Ji, but in fact, the parties did not know.

I don't know until I check. When I checked, a bigger inside story surfaced.

Xiaodong transferred 693,000 yuan from Ji Ayi's account in seven times, instead of Ji Ayi's investment, and also handled 400,000 crude oil futures business.

But she not only embezzled funds to participate in investment, but also participated in gambling.

Xiaodong came into contact with a website platform through others. At first, he made a little money by investing the principal, and then it got out of hand. Later, I lost more, won less, and even lost nothing.

No way, in order to earn back the lost money, Xiao Dong had to continue to invest.

Because the money in hand is not enough, Xiaodong has a bad idea when he sees that there is still so much money in the customer's account and the old man is not in a hurry to use it.

For the first time, she transferred 65,438+10,000 yuan behind Aunt Ji's back. Aunt Ji didn't find it. She felt that she had found a lifeline. After several attempts, Aunt Ji couldn't find it. As a result, her courage grew bigger and bigger until it got out of hand.

Because of lack of money, Xiao Dong even applied for a credit card for Aunt Ji.

Xiaodong thought of making money by robbing Peter to pay Paul, and then returned it to Aunt Ji together. Unexpectedly, her plan was discovered before it succeeded.

Xiaodong regrets that it is too late to be exposed.

Why do the elderly become a high-risk group to be cheated?

Under the coordination of the police and the bank, Aunt Ji got most of the refund.

Aunt Ji saw the money coming back, and her hanging heart was temporarily put down, but she still had a lingering fear.

If this can't be recovered, a lifetime of money will be wasted?

Perhaps what Aunt Ji experienced was just a microcosm of the old man being cheated.

In recent years, there have been many cases in which the elderly have been cheated, such as:

Health product fraud. Liars sell so-called "precious tonics" to the elderly at high prices by pretending to care and ask, cajoling and cheating.

Telephone fraud. The other party pretended to be the Public Security Bureau to call the old man. The old man relaxed his vigilance and told the other party his personal information and bank card password. Hundreds of thousands of property were cheated in an instant.

Pension fraud. Many elderly people living alone have become targets. Liars take advantage of the poor awareness of financial prevention of the elderly to sell at home to attract investment from the elderly with high income. When the old people are fooled, the liar disappears.

The old man worked hard all his life and finally raised his child. They just want to use their pension money to enjoy their old age.

Once the money is lost, they simply can't bear such a big blow.

Perhaps this case is also a warning to all elderly people with weak awareness of prevention and their children:

As an elderly person, we should strengthen our awareness of prevention and don't trust anyone.

As children, we should pay more attention to our parents, help them to establish a sense of prevention, teach them how to prevent being cheated, and preserve the value of their hard-earned property, which is also a kind of filial piety.