1. Why do users complain about Tian Hong Fund? Judging from some news reports given at present, users' complaints mainly focus on two aspects: unreasonable deduction and inability to withdraw cash, which accounts for about half of the complaints against Tian Hong Fund.
In order to check, I directly searched the Tian Hong Fund on the Black Cat platform, and the search list showed that a large number of complaints were indeed related to deduction, not only in the past 1 year, but also in recent February and March.
Many users who complained mentioned that they were inexplicably charged because they didn't open the related business, or the corresponding business was closed, but the charging continued.
It can be seen that the unreasonable deduction of fees is the main factor for users to complain about Tian Hong Fund.
2. Why is there an unreasonable deduction? In fact, you should know how much you have mixed up in the internet circle. This is a variety of traditional skills that Internet vendors such as Tianhong Fund or Alipay often play.
First of all, when it comes to payment business, it will allow you to open all kinds of confidential payment. Behind this seemingly convenient service is a "killing machine", that is, while opening confidential payment, it also covers automatic renewal.
The second is to induce business opening. As long as you have used Alipay, you will definitely see all kinds of attractive small welfare red envelopes. Looking at such a small favor, I entered their "trap". If you want to receive such small benefits, you must open various businesses, or buy such products and such funds.
After that, it is easy to avoid weight. Many core contents are often displayed in small fonts, and it is easy to miss them if you don't look carefully. For example, when some services are opened, the fee is shown as 0. 1 yuan, which is very cheap in your opinion, but this is only the first month's fee, and then it will be charged according to the fee.
Finally, many users themselves are careless, thinking that Alipay is a big factory, and there should be no big problems. They will not look carefully at it at all, and they will be cheated as a result.
I have to say that the routines in Alipay are too deep, and I dare not order many businesses for fear of being recruited.
Lscssh science and technology officer's point of view: in the past two years, internet manufacturers have tended to monopolize, and all kinds of cooked and cut leeks can be described as endless. All kinds of capital stand behind any enterprise, and their goal is to make a profit. As long as there is enough profit and there is not enough supervision, nothing is impossible.
After the Ant Group incident last year, Tian Hong Fund still occupied the complaint list, reminding us once again that we must not trust the current Internet giants. Ali is not a fuel-efficient lamp in this respect.
Speaking of Tian Hong Fund, we have to say "Yu 'ebao". Today, there are still consumers who equate Tian Hong Fund with Yu 'ebao.
In fact, Yu 'ebao is a money fund under Tian Hong Fund, which is called Tian Hong Yu 'ebao Money Market Fund, formerly known as Tian Hong Zenglibao Money Market Fund.
In 2020, from 65438+ 10/to 20265438+1 0/3 1, Tian Hong Fund * * * received 220 complaints from users, accounting for nearly half (49%) of all complaints, ranking first in the complaint list. The main complaint is that the bank card money was deducted for no reason and it was impossible to withdraw money. Mainly related to Alipay Yu 'ebao. Many customers have many questions about the unreasonable deduction of funds purchased by Alipay, and even some users may mistakenly think that Alipay is a Tian Hong fund. After calculation, it has more complaints than the fund companies behind it combined. I have to say that customers are prone to problems by inducing them to buy funds and lacking investor education.
I'm afraid the fund company took the investors' money, but found a group of rookie investment management funds with no investment experience. I am more worried that those institutions and listed companies will unite to fool investors.
The first problem of the complaint is: unreasonable deduction/deduction of money/deduction of fees, which is actually very understandable. In the way of the Internet, the terms are sometimes just a line of small words, which need to be clicked in to see the content, and the content is very long. Many investors don't read it very much, so they just cross it directly. After deducting money later, investors will naturally be unhappy.
Internet companies have a long way to go!
I don't think there is a problem with the Tian Hong Fund. The biggest problem is that it has fallen with the market. Investment is risky, and it's no use complaining. Xiaobai doesn't understand the fund contract.