How to complain about the third party whose credit card is overdue?

How to report Ping An credit card collection? Have you ever met Ping An credit card collection?

First of all, we must be clear about what kind of collection it is. It is useless to report the official collection of Ping An Credit Card. He is legal and it is right to pay back the money. The other is a third-party organization under the guise of helping you negotiate staging. This organization has many fund-raising methods for its own benefit. If you encounter violent collection, you can call to report it.

Credit card collection process is as follows:

1. When the cardholder has just overdue, the user will send a text message to remind him of repayment;

2. When the overdue time is long, the customer service will call for collection;

3. Entrust a lawyer to send you a power of attorney;

4. If the cardholder is overdue for more than 3 months, the bank will entrust a third-party company to collect it;

First, short-term overdue messages will be collected.

Many people don't take credit seriously when using credit cards, so many people forget to repay on the agreed repayment date. At this time, the bank will send a short message to remind the customer to repay according to the customer's past repayment. Generally, overdue within three days will not affect the credit of customers, and the bank will not upgrade the collection method.

Second, after the SMS reminder is invalid, you will choose to call for collection.

If the credit card user fails to repay for more than one week, the bank thinks that the user's repayment ability is insufficient, or the repayment will decline. At this time, there will be a manual telephone collection. Generally, people who call to collect money are employees inside the bank. At this time, as long as the user communicates reasonably and promises to repay as soon as possible within a period of time, the bank will not make frequent dunning.

Third, if the user fails to repay the loan for a long time, it will be collected by a third party or.

When the credit card user fails to repay the loan for more than three months, and repeated collection does not work, the bank will think that the user owes money maliciously, and will choose to package the arrears to a third-party collection company, or help the overdue users collectively through lawyers. Long-term non-payment of credit cards will have a great impact on your personal credit. Once you violate relevant laws.

The credit card is overdue for half a year, and the third party begins to collect it. What should I do?

Faced with the competitive pressure of internet finance, China's bank credit card business began to release water vigorously. Despite the rapid growth of credit card business, the proportion of bad balance is also increasing. By the end of the second quarter of 20 18, the amount of overdue credit card business in China has exceeded 75.667 billion yuan. Faced with more and more money, banks are understaffed, so the proportion of entrusting third-party companies to collect money is increasing.

However, although banks are generally required not to violently collect money before entrustment, in reality, third-party institutions generally resort to insults, insults, threats, explosion of address books, and even door-to-door harassment, making trouble in the debtor's unit, etc. (the income of third parties is linked to the amount of money and accrued in proportion). For this kind of behavior, users can directly report to the police or complain to the local bank insurance regulatory bureau. Because the credit card is overdue, although the bank (or its entrusted institution) has the right to collect it, the collection must be within the scope of laws and regulations.

Measures for the supervision and administration of credit card business of commercial banks

According to Article 68 of Measures No.2 on Supervision and Administration of Credit Card Business of Commercial Banks issued by CBRC 20 1 1, the issuing bank shall collect money from the debtor himself and his guarantor, and shall not collect money from a third party unrelated to the debt, and shall not use violence, coercion, intimidation, abuse and other improper collection behaviors. The collection process shall be recorded, and the recorded materials shall be kept for at least 2 years for future reference.

The Measures for the Supervision and Administration of Credit Card Business of Commercial Banks are the guidelines that all banks must abide by. If the commercial bank or its entrusted institution has the above-mentioned violations, users can directly complain to the CBRC, and if personal injury is caused to the debtor, they can also report to the public security organ for disposal.

In fact, most collection agencies also know that their actions are illegal, but because many people don't know these rules, they often compromise under the threat of violence from collection agencies, especially when they involve family members or threaten to go to work to make trouble. In the face of violent collection, everyone must not retreat. In fact, the collection agency itself is very virtual. A typical paper tiger bullies the weak and fears the hard. The more you compromise, the more they push their luck. The tougher you are, the more they regress.

Of course, in any case, overdue is always a bad behavior, and it is also our own who suffers. If we have the ability, it is better to pay back the arrears as soon as possible. As for door-to-door collection, just collect it well. If you outsource the collection, the bank will not dare to make any mistakes. If you report the collection, the bank will cancel the cooperation with this outsourcing company because there are assessment indicators.

The credit card center makes dozens of calls a day. Can I complain? How to complain?

Generally speaking, after receiving the new regulations, banks generally don't do these dirty jobs. Basically, they outsource overdue credit card accounts to any financial services company of a third party. These companies do not have any financial licenses. Three or five people bought a set of direct dial telephone software on Taobao and started to work. The credit card center makes dozens of calls a day. Can I complain? How to complain?

The credit card center collects dozens of calls a day.

The correct way is to take the initiative to communicate with the bank to explain the situation, apply for a stop, and understand it by reading the words, which can save you a lot of interest. There are two prerequisites for this application: one is bankruptcy or economic crisis, and the other is to apply to the bank in advance, so everything is done in advance, which is also the right that the bank clearly stipulates to the cardholder in national laws and regulations. Another is that you have to give the bank a repayment plan that he can accept and that you can complete. Without this attitude and determination, the bank will not agree to your application, because agreeing means that his income will be damaged.

Can I complain? How to complain?

Regarding illegal and criminal acts such as credit card collection and address book explosion, please pay attention to asking which bank, customer service phone number, work number and name the other party is in the record state, and you can complain to the CBRC. You can call the customer service phone of the bank to complain. If the address book is exposed (it must be exposed by a foreign creditor company), keep the evidence and report it to the public security organ. Last year, many large, medium and small creditor companies were arrested by public security organs. There are also violent collection, address book exposure, privacy exposure and so on.

It is natural to pay back debts, how much ability you have and how much money you borrow; It is normal to borrow money blindly in advance, and eventually it will be overdue, which will lead to the explosion of address book collection. In fact, it is also possible to directly explode the address book. If you borrow money informally, the other party's collection staff may directly make trouble in your company or directly splash paint or draw posters at your door. Compared with these situations, breaking the address book is just a piece of cake.

My credit card has expired, but Shang Meng Bank doesn't allow installment payment. If the third party keeps calling, can I complain?

Yes, you can. If the third party's collection is rude in the process of collection, even harassing your family and friends, this is obviously a violent collection, and there is evidence to complain. You can directly call the issuing bank to complain to the bank. If the bank doesn't care, you can complain through channels such as CBRC and Poly Complaints. When you complain, you should provide evidence of the other party's violent collection, such as audio and video recorded during the collection process.

Call 12378 to complain about overdue credit cards. Can you solve the installment repayment? What materials need to be prepared?

Many people want to apply for the personalized installment policy of the bank. In the case of unable to repay the arrears, it can be said that it is repeated communication for the longest 60 installments. However, the audit threshold of banks is too high, and many people can't find a way out. But I heard that the banking regulatory bureau can call 12378 to intervene in the negotiations. Is it true?/You don't say.

This article will answer three overdue credit card questions for you in detail:

1. Call 12378 Can I solve the installment payment by complaining about overdue credit cards?

2. What materials should I prepare for the complaint of overdue credit card 12378?

3. What are the precautions for calling 12378 when the credit card is overdue?

If you negotiate repayment with the bank, but the bank is adamant and refuses to negotiate, or you clearly provide the required proof and still refuse to negotiate, then you can call 12378 to solve the problem through the banking regulatory bureau. But you can't succeed by fighting. It depends on your situation.

1. It's no use calling without qualification. Banks have the right to stop the interpretation of staging, and also have corresponding negotiation thresholds. If you live in a mansion, either because of financial difficulties or because you can't get a credit card for playing cards and gambling, no one can negotiate.

The installment plan of stopping paying bills must be aimed at users with special difficulties. If you submit proof of unemployment, hospitalization or natural disasters and confirm that you are unable to repay, the bank still refuses to negotiate. Calling the banking regulatory bureau is very effective.

2. If the bank accepts your liquidated damages, but there is no reminder at all, and you have no corresponding obligation, you can also call 12378 to intervene in the negotiation.

3. If the bank has illegal and violent collection behavior in the collection process, then you can keep the evidence and let the bank fight against the army. After the relevant evidence is fed back to the banking regulatory bureau, it is conducive to consultation.

If the relevant conditions are met, if you have confidence to complain to the banking regulatory bureau, you can prepare the materials. In addition to the complaint evidence that the bank does not agree to negotiate, you should also prepare your own materials.

1, proof of difficulty. Why can't I repay the loan? Are you unemployed or seriously ill? Is it because of the epidemic that family changes or goes bankrupt? Prepare to submit it together with the corresponding supporting materials and the proof of difficulties of the local community.

2. proof of income. This is not just your pay slip. In order to confirm with the banking regulatory bureau that you really have difficulties, you'd better attach your monthly income, annual income and bank charges.

3. Proof of repayment. In order to show that you are not maliciously overdue and have the initiative to pay back the money, and that you have the will to pay back the money, you should prepare the proof of your initiative to pay back the money and attach it.

Now that the preconditions have been met and the materials to be prepared are ready, there are still some things to pay attention to when making a complaint at 12378.

In fact, if you call 12378, people won't ask you anything. As a telephone of the banking regulatory bureau, it is to supervise the unreasonable and illegal behavior of banks. After you get through, go directly to the human service and tell the customer service what problems you have encountered.

What you should pay attention to is to clarify this issue, such as which bank you are complaining about and what unreasonable behavior you have. Moreover, you have to negotiate repayment, which has obviously reached the requirements of negotiation, but it has been ignored by the bank.

You will explain your purpose and your actual situation to the customer service, and you will register there. After the customer service record is reported, you will receive feedback within 3-7 working days, and the bank may take the initiative to contact you to negotiate with you about the installment. But when the business is busy, the processing will be slower.

In short, when you are treated unfairly by the bank, you can call 12378 to complain. As long as the facts are established and the evidence is in place, it is not a dream for a third party to help you negotiate. In addition, if you have any questions about the overdue credit card, you can leave me a message for consultation.

Credit card collection companies have been harassing family members. How to complain?

Credit card collection companies have been harassing family members. How to complain? You can complain to the CBRC.

China Banking Regulatory Commission (CBRC) is the direct supervision institution of major banks, and its authority and responsibility are: under the authorization of the State Council, uniformly supervise and manage banks, financial asset management companies, trust and investment companies and other deposit-taking financial institutions, and safeguard the legal and steady operation of the banking industry.

In other words, all the behaviors of banks are under the supervision of CBRC, and CBRC has the right to deal with and punish any irregularities of banks.

"Banking Supervision Law of the People's Republic of China" Article 2 The banking supervision institution of the State Council is responsible for the supervision and management of banking financial institutions and their business activities throughout the country.

The banking financial institutions mentioned in this Law refer to commercial banks, urban credit cooperatives, rural credit cooperatives and other financial institutions and policy banks established in People's Republic of China (PRC) to absorb public deposits.

The provisions of this Law on the supervision and management of banking financial institutions shall apply to the supervision and management of financial asset management companies, trust and investment companies, finance companies, financial leasing companies and other financial institutions established with the approval of the banking regulatory authority of the State Council.

The State Council banking supervision institutions shall, in accordance with the relevant provisions of this Law, supervise and manage the overseas business activities of financial institutions established with their approval and those specified in the preceding two paragraphs.

How to complain about overdue credit cards? Let's talk about the introduction of the third party first.