What if online loans freeze funds and say they will receive unfrozen money?

The card number of the online loan bank is wrong. The other party said that the funds were frozen and I had to pay 8000 yuan to unfreeze them. Otherwise, I will be prosecuted. How can I solve this problem?

Hello, the kind you encounter belongs to fraudulent loan software, fraudulent money and fraudulent real information. When encountering this kind of loan, don't easily register and authenticate the real information. If you can't cheat money, you will use information to do something illegal. Formal loans don't need any prophase, and they are all lent to bank cards through credit approval lines. It is generally recommended to clean up and cancel.

What should I do if the card number of the online loan bank is wrong and I need to pay the unfreezing money if it is frozen?

When a customer borrows money online, if the platform prompts that the bank card number provided by the customer is wrong, resulting in the loan funds being frozen, and the customer needs to pay a certain amount of unfrozen money before borrowing, it is recommended that the customer ignore the loan on the platform and apply for a new loan on other platforms.

Be careful not to pay back the money, because in this case, the loan platform mostly charges beheading interest in the name of unfreezing the money, and the bank card number is estimated to be correct. If the customer pays the money, most of the money will not be returned. Some small loan platforms may not lend money after receiving the money, but will directly "run away", and the customer actually falls into a loan scam.

We should know that with the approval of the China Banking Regulatory Commission, a formal loan platform with a financial license will generally not charge any upfront fees to customers before the loan funds are paid.

When the customer abandons the loan on the platform, it is best to simply cancel the loan account number of the platform, and then apply for a new loan and find a formal licensed consumer financial institution.

Extended data:

The difference between online loan and bank loan;

1. The process of bank loan is generally more complicated than online loan:

Although banks can apply for many loan products in official website and mobile banking, many loan businesses have to be handled at the counter of outlets. After the borrower submits the application form and related materials at the counter, the bank will review it; After the approval, we will inform the customer to sign the contract and go through the relevant procedures; Do not apply for a mortgage until the formalities are completed.

Online loans, most of them are online applications. After the customer submits the application, the system will review it, and if it is approved, the loan will often be released immediately.

2. The audit basis of bank loans and online loans is different:

Bank loans measure the credit status of borrowers, mainly by reviewing their credit information; Online loans are usually based on big data and their own risk control (some are connected to the central bank's credit information system, which will examine customers' credit information).

3. Bank loans generally take longer than online loans:

Many bank loans take a few days, or even a week or two, from the time when the borrower applies to the loan. Online loans can be completed in about two or three days from application to lending, and some can be completed on the same day.

Unreasonable online loan complaints:

If the online loan you handle is unreasonable, even involving usury and fraud, customers can collect relevant evidence, such as repayment records, chat screenshots, platform information and so on. And report the case directly to the local police. It is suggested that when calling the police, other victims who have been cheated on the same institutional platform can also be combined, so that the public security department is more likely to file a case.

In addition, customers can also contact the local China Banking and Insurance Regulatory Commission to report; Or go to China Internet Finance Reporting Information Platform to complain; You can also find the staff of the local administrative department for industry and commerce.

When applying for online loans, you should also know about the agencies and platforms to see if they are legal, approved by the CBRC and have a financial license. Never go to those unknown small loan companies to apply for online loans, otherwise it is easy to meet fraudsters or loan sharks and encounter loan scams. After all, the online loan market is mixed. Security can only be guaranteed if it is handled on a regular platform.

The online loan says that the funds are frozen. What should I do if I don't pay the thawing fee?

If the online loan says that the funds are frozen and the unfreezing fee is not paid, the consequences should be:

1. After that, the loan platform stopped approving money, and the actual borrower failed to borrow successfully.

2. Directly force the borrower to repay the loan without paying the thawing fee. If the loan is not repaid, it will be regarded as overdue, and overdue penalty will be charged at that time.

3. Threaten the borrower not to pay back the money within the time limit, and then go through judicial procedures and send a lawyer's letter to warn him.

4. From time to time, you may send a text message and call to urge the borrower to repay as soon as possible.

5. Bank cards that may be bound to the loan platform will be frozen. If the card has money, maybe the system will directly deduct the money from the card and pay the thawing fee for the borrower.

It should be noted that it is illegal for the loan platform to ask the borrower for the thawing fee on the grounds of freezing funds, which is equivalent to charging "beheading interest" in disguise. So there is no need for the borrower to pay back the money. Suggest giving up the loan. You can apply for unbinding the bank card, cancel the loan account and collect evidence to report the loan platform. After that, it is best to choose a licensed institution.