Complaints can be made on behalf of others.

Extended information; Following the announcement by regulatory agencies in Hunan Province and Shenyang City to prevent the risk of agency complaints, the China Banking Association recently issued a statement to remind consumers to correctly understand the risks of "illegal agency complaints".

Affected by the epidemic, some consumers are under great pressure to repay their credit cards, resulting in overdue credit cards that cannot be repaid on time. Some "rights protection teams" under the guise of helping customers "rights protection as agents" have taken advantage of the situation to help users and financial institutions. "deal with". An investigation by a Beijing Business Daily reporter found that these "rights protection teams" are active on major social platforms and online shopping platforms, promising that consumers can provide their personal information and pay a certain fee to help consumers pay interest-free installments or even reduce them through complaints, negotiations, etc. Part of the outstanding amount is repaid in installments.

“Recently, the problem of ‘illegal agency complaints’ in the banking and financial sector has been growing rapidly.” The China Banking Association recently issued an announcement to remind consumers to correctly understand the risks of “illegal agency complaints”.

The China Banking Association stated that some institutions or individuals pretended to be authoritative experts, professional lawyers, etc., inducing consumers to entrust them with "agency rights protection" and requiring consumers to provide important and sensitive information such as identity documents, bank card numbers, and contact information. Personal information, and paying high service fees, by fabricating facts to prevent consumers from communicating effectively with financial institutions and regulatory authorities, making false complaints by stalking and complaining, or providing a unified complaint template to instigate consumers to ignore the contract. Make malicious complaints and reports to regulatory authorities. Not long ago, regulatory agencies in Shenyang City, Hunan Province and other places also issued similar announcements, reminding consumers to be wary of the risk of "agency complaints" and to guard against the leakage of personal information.

"Agency complaints" are more obvious in the credit card business. Affected by the epidemic, some consumers are under great pressure to repay their credit cards, resulting in overdue credit cards that cannot be repaid on time. Due to the lack of rights protection experience of formal institutions, the "rights protection team" under the guise of helping customers "agency rights protection" is regarded as a "life-saving straw" .

In the view of Yu Baicheng, president of Lingyi Research Institute, due to the impact of the sudden epidemic, the income of some borrowers has indeed been affected in 2020, resulting in increased repayment pressure. In terms of regulatory policy requirements and With support, financial institutions have provided some borrowers with measures such as deferred repayment, interest exemptions, and exclusion from credit records. However, these measures to reflect financial temperature must be based on seeking truth from facts. If the borrower deceives the bank through intermediary packaging, forged certificates, malicious complaints and reports, etc., once identified, it will have a serious impact on personal credit. There are currently some anti-collection teams on the market disguised as criminals. If you trust them gullibly, you may face risks such as being deceived and information leaked, and the gain outweighs the loss.