China Post's consumer finance involved nearly 20,000 cases and was accused of violent collection of App.

Guangdong Communications Administration said that according to the work deployment and requirements of the Ministry of Industry and Information Technology on the special rectification of App data security and infringement of users' rights and interests, after verification, 88 problems were found, which was notified by Guangdong Communications Administration, and China Post Consumer Finance Co., Ltd. (hereinafter referred to as "China Post Consumer Finance") applied "China Post Wallet".

It is worth noting that China Post's consumer finance has also been accused of many problems such as financial loan contract disputes and violent collection.

Then, why does China Post's consumer finance infringe on consumers' rights and interests? How is the rectification after the notification? Discovery.com reporter sent an interview letter to China Post Consumer Finance asking the above questions, but as of press time, China Post Consumer Finance did not give a reasonable explanation.

According to public information, China Post Consumer Finance was established on 20151month, which is a national financial institution providing consumer financial services to China residents. At present, China Post Consumer Finance has set up provincial marketing centers in 16 provinces (cities). In 20 18, the registered capital of China post's consumer finance increased to 3 billion yuan.

The current problem of the only license cancellation company notified has been corrected.

165438+1On October 23rd, China Post Consumer Finance published an inspiring article "Blowing the Horn of" Second Venture "and Starting China Post Consumer Finance at the Age of Five" in official website. On the same day, Guangdong Provincial Communications Administration issued a notice on the supervision of App in June of 5438+00. The version 2.8.6 of China Post Wallet APP did not clearly inform the purpose and method of collecting and using microphone rights. Although there are many financial technology companies such as Jia Lian Payment, SF Finance and Evergrande Fortune in the list, China Post Consumer Finance is the only licensed consumer finance company on the list.

However, the reporter checked the mobile APP store and found that the China Post wallet app was updated to version 2.9.5 on June 30, 165438, in which "making great efforts to fix known problems and make loans safer" seems to be a response to the rectification of the notified problems.

As one of the main entrances of user data collection, the protection of users' personal information has been paid more and more attention by the state and society. According to CCTV news reports, the Ministry of Industry and Information Technology has ordered 1336 illegal apps to be rectified, publicly notified 377 apps that have not been rectified, and removed 94 apps that refused to be rectified.

In addition, according to the semi-annual report issued by the Postal Savings Bank, as of the first half of this year, China Post's total consumer finance assets were 28.672 billion yuan and its net assets were 3.483 billion yuan, both higher than 26.365 billion yuan and 3.224 billion yuan in the same period last year. However, the net profit of China Post's consumer finance in the first half of this year was 49 million yuan, down 64.75% from 65,438+39 million yuan in 20 19.

Previously, China Post Consumer Finance explained that on the one hand, it was mainly affected by the epidemic, and the overdue rate of customers also peaked simultaneously; On the other hand, the company optimized the asset structure, reasonably controlled the asset scale, and the business growth rate and scale declined.

Disputes involving multiple financial lending contracts are accused of violent collection.

Undeniably, the outbreak of the Black Swan incident is a heavy blow to many industries. According to the survey data of enterprises, as of February 3rd 19296, there were as many as 19296 cases involving China Post's consumer finance, most of which were financial loan contract disputes. The focus of the judgment is that the defendant paid the outstanding loan principal to the plaintiff China Post Consumer Finance Co., Ltd. within 10 days from the date when this judgment came into force, and the plaintiff withdrew the lawsuit.

According to the data of Ai Media, affected by the COVID-19 epidemic, the urban survey unemployment rate in China rose to 6.0% in April 2020, and the social employment pressure increased. Affected by this, there is a certain repayment pressure on user loans. At the same time, China Post's consumer finance was accused of violent collection and even suspected of forging legal documents. As of 65438+February 3, there were 2756 complaints related to China Post's consumer finance on the complaint platform.

Among them, some users complained that they had received a court notice from China Post's consumer finance pure credit loan product "Post Your Loan", but users could not find the case number through online inquiry and telephone consultation. At the same time, users and people around him keep receiving text messages, phone calls and so on from the "Post Your Loan" party.

No matter what the premise is, it is not a reason for violent collection. Relevant people in the industry said that in case of violent collection, they can take the initiative to negotiate and keep the evidence, call 123 15 or ask the police for help, and if appropriate, they can also sue in court to protect themselves through legal weapons.

In addition, the reporter found another situation worthy of attention in the black cat complaint. Up to now, there are 2508 complaints about China Post's consumer finance on the black cat complaint platform. Many users reported that they had never used China Post's consumer finance, but received a reminder message. What's more, it's really incredible that loans that have not been borrowed actually appear in their personal credit reports, not only with loan records, but also with repayment records.

The reply is displayed under the current complaint, but the consumer finance party of China Post chooses to hide the reply. Why is this happening? How will it be solved? Is there any management oversight within China Post's consumer finance? For the above complaints, China Post Consumer Finance did not give a reasonable explanation.

From 20 15 to now, China Post's consumer finance has gone through five spring and autumn periods. Only when the horn of "second venture" blows, can we face up to our own problems and solve them, and can we achieve lasting development.