Core Viewpoint - The article highlights a fraudulent scheme targeting consumers, particularly those seeking refunds from training institutions, where scammers use fake refund announcements to lure victims into investing in fraudulent financial products [2][4][5]. Group 1: Fraud Scheme Description - Scammers send fake refund announcements via mail, claiming to be from educational institutions, and include QR codes to contact fraudulent customer service [2]. - Victims are misled into believing that they can receive refunds by investing in financial products, with scammers providing fake documents to build trust [4][6]. - Initial small investments may yield returns, which further convinces victims to invest larger sums, ultimately leading to significant financial loss when scammers disappear [5][6]. Group 2: Warning Signs - The article outlines several warning signs that indicate potential scams, such as requests for "unfreezing fees," "private account transfers," and promises of guaranteed returns [7]. - Other red flags include pressure to invest quickly, claims of insider information, and the use of screen sharing to access personal information [7]. - Victims are advised to be cautious when approached by friends or acquaintances promoting investment opportunities that seem too good to be true [7].