Core question

What is the first step when a caller claims your account is frozen?

Answer first

Use official channels and urgent response steps first; do not wait for a general analysis.

Hang up, verify through official channels, and contact the bank or police if money moved.

Primary cost

Financial loss

Primary benefit

Fraud avoidance

Risk level

High

Evidence note

A

Supported by laws, standards, official statistics or authoritative guidance.

Sources, jurisdiction and timeliness

  1. 中华人民共和国反电信网络诈骗法（国家法律法规数据库） 中国官方 · 全国人民代表大会常务委员会 · 中国 · 2022-09-02 · 2026-09-29
  2. 中华人民共和国个人信息保护法（国家法律法规数据库） 中国官方 · 全国人民代表大会常务委员会 · 中国 · 2021-08-20 · 2026-09-29
  3. 12377 违法和不良信息举报中心 中国官方 · 12377 举报中心 · 中国 · 2026-09-29
  4. 12321 网络不良与垃圾信息举报受理中心 中国官方 · 12321 举报中心 · 中国 · 2026-09-29
Jurisdiction
China
Effective date
Not registered
Last reviewed
2026-09-29
Registered limitations
  • Fraud tactics keep changing; this card only gives the identification and stop-loss order.
  • If a transfer already happened, contact the bank to stop payment and report through official channels.

Next action

Do these first, then decide.

Use the official security or fraud-response workflow now.

  1. Use the official security or fraud-response workflow now.
  2. Jurisdiction: China
  3. Fraud tactics keep changing; this card only gives the identification and stop-loss order.
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This decision card provides general decision information and is not legal, medical, financial, tax or other professional advice.