After Jingdong paid to freeze the account without authorization, it fell into a wave of complaints about deduction, and it was close to 20,000 yuan in two minutes.

Recently, we published an article about "Jingdong Payment Freezing User Payment Account" Jingdong Wallet without authorization, which had a great response. The whole network has a total reading volume of 200,000+,and only The total Weibo has a reading volume of150,000+. As a well-known domestic enterprise, JD.COM has a large number of users, but its payment business frequently violates regulations, which is extremely irresponsible to JD.COM's trustworthy customers. On August 17, Southern Metropolis Daily reported that in June last year 165438+ 10, a debit message suddenly came from Mr. Liu's bank card in Haikou. Less than two minutes, eight deductions were made, and * * * was deducted by "Jingdong Payment" 19200 yuan.

Third-party platform withholding can really facilitate our life, but if it is allowed to expand its business scope unchecked, it will induce a lot of complaints and financial risks. Illegal deduction has a very bad influence on ordinary cardholders and banks, which not only reduces the social trust in bank cards, but also makes ordinary cardholders doubt the safety of funds.

Users questioned the illegal deduction of "Jingdong Payment"

Mr. Liu, who received the text message, was puzzled. He didn't use this bank card to make a transaction before the deduction. How can the money be deducted? Customer Mr. Liu came to the bank outlet with questions and concluded that the deduction had flowed to Jingdong for payment. Mr. Liu then dialed JD.COM's customer service, and the customer service told him that Jingdong Finance was entrusted by Fanpu Credit to deduct Mr. Liu's previous arrears, and sent his signed loan contract and other materials by email.

Mr. Liu did borrow money from Fanpu Credit before, and he is going to pay it off in one lump sum on 20 19. Fanpu Credit also agreed, but the two sides had differences on repayment interest, and many negotiations failed, so Mr. Liu suspended repayment in anger and untied the bank card.

The answer given by JD Finance is that when Mr. Liu signed a loan contract with Fanpu Credit, Fanpu Credit was authorized to entrust a third party to deduct money, and Fanpu Credit entrusted JD Finance to deduct money after Mr. Liu refused to take the initiative to repay.

Mr. Liu does not accept this statement. He said that the contract provided by Jingdong Finance was not signed by him, but forged by Fanpu Credit. Mr. Liu said that this kind of deduction behavior of Jingdong Finance is unacceptable. He thinks it's incredible to directly deduct the money from his bank card without his consent. So he reflected the situation to Hainan Banking Insurance Regulatory Bureau.

When Mr. Liu contacted JD Finance again, JD Finance replied that it would verify and promised that someone would call back, but Mr. Liu did not reply. And the customer service of Fanpu Credit can't even get through the phone.

According to the data, Fanpujinke started as a P2P company and launched "Love Money" in 20 14. When the P2P industry was in recession, it began to move overseas, and has been cooperating with JD.COM overseas. It seems logical that Fanpu Credit entrusts JD Finance to withhold.

It is worth noting that there are a large number of behaviors such as beheading, high interest rate and violent collection against Fanpu Credit and its love money on the complaint platform.

Withholding breeds financial loopholes, and "Jingdong Payment" is caught in the storm of withholding complaints.

In the black cat complaints and Baidu Post Bar, there are a lot of complaints similar to those that Mr. Liu encountered. The black cat complaint platform searches for two keywords: Jingdong Finance and Jingdong Payment, with a total complaint volume of 25,000+. Most of the complaints focused on the case that "Jingdong Payment" deducted money from the loan company without authorization. There is a post in Baidu Post Bar that is suspected of being stolen through Jingdong Payment Bank Card.

Entrusted deduction belongs to the business of collection and payment. At present, only licensed payment companies and banks can do it. Although entrusted withholding is their normal business, it is easy to cause disputes if the relevant companies are not audited.

According to insiders, the third-party withholding contract signed at the time of this loan is actually a very unequal contractual relationship. Lending companies can take advantage of the loopholes in the contract to collect debts from lenders in various ways in the later stage, and even directly transfer money from lenders' accounts with the help of third-party platforms.