Core Viewpoint - The article highlights the rising incidence of scams impersonating official customer service, particularly related to the "Million Protection Insurance" offered by platforms like Pinduoduo, urging users to remain vigilant against such fraudulent activities [3][5]. Summary by Sections Scam Description - A case is presented where a citizen received a call from someone claiming to be "Pinduoduo official customer service," stating that they needed to cancel a "Million Protection" insurance service to avoid automatic charges [3]. - The scam involved screen sharing and inputting verification codes on a fake platform, indicating a sophisticated method of deception [3]. Police Intervention - Local police received a fraud alert and quickly intervened, reaching the elderly victim's home to prevent the scam from proceeding [5]. - Officers disconnected the screen sharing, removed the SIM card, and uninstalled the fraudulent app, successfully safeguarding the victim's funds [5]. Insurance Details - The "Million Protection" insurance is a free service provided by payment platforms, which compensates users for losses due to unauthorized access to their accounts, with a maximum annual payout of 1 million yuan [5]. - This insurance is automatically activated, requires no renewal, and incurs no costs for users [7]. User Guidance - Users are advised that the "Million Protection" insurance does not require any action from them to activate or cancel, and any unsolicited calls requesting such actions should be treated as scams [9]. - For any inquiries regarding the "Million Protection" service, users should contact the platform's official customer service directly [9].

Group 1 - The article highlights the increasing prevalence of scams related to "million insurance" policies, urging vigilance to protect financial security [1][2] - Fraudsters impersonate financial or insurance institution representatives, using tactics such as policy upgrades, cancellations, or claims to deceive victims into transferring money [3][4] - A specific example includes a scam call where the victim is told that their insurance needs urgent upgrading, with threats of negative impacts on credit scores if not addressed [7][8] Group 2 - The article describes a common scam scenario where victims are instructed to download screen-sharing applications under the pretense of assisting with policy information [11][14] - Victims are often coerced into transferring money to a so-called "secure account" as a verification fee, which is then stolen by the scammers [14][15] - Recommendations include verifying calls through official channels, avoiding unknown "customer service" calls, and being cautious with screen-sharing to prevent identity and account information leaks [17][18]

Core Viewpoint - The article highlights the prevalence of scams related to the "Million Protection" service offered by payment platforms, emphasizing that this service is completely free and does not require any fees from users [10][12][15]. Group 1: Scam Awareness - Users are receiving fraudulent calls and messages claiming that their "Million Protection" service is about to expire and will incur charges, which is false [2][6]. - Scammers often use phrases like "Million Medical" or "Membership Fee" to lure victims into their traps [13]. - The article warns that if users are prompted to download third-party apps under the guise of customer service, it is likely a scam aimed at stealing personal information [13][15]. Group 2: Official Statements - Payment platforms such as WeChat, Alipay, and Douyin have confirmed that the "Million Protection" service is entirely free, automatically activated, and does not require renewal [10][12]. - The platforms have issued statements reiterating that any claims of fees associated with "Million Protection" are fraudulent [12][15]. Group 3: Prevention Tips - Users are advised to verify any inquiries regarding "Million Protection" directly through official customer service channels [15]. - The article emphasizes the importance of not downloading any apps suggested by unknown callers, as these could lead to unauthorized access to personal accounts [13][15].