Where does the online loan complaint platform complain?

1. JuComplaint -21CN

JuComplaint is a public welfare consumer complaint platform sponsored by 21CN and an Internet information service platform approved by the Central Network Information Office, with a large number of complaints;

If you want to complain about the online lending platform, it will have a certain deterrent effect on qualified online lending platforms. If it is an informal online lending platform, it will still have a certain influence if everyone complains collectively, which can help latecomers identify the quality of online lending platforms.

2. 12321 Network Bad and Spam Reporting Acceptance Center

If you encounter harassing phone calls, spam messages or fraudulent phone calls from online lending platforms, you can report them at 12321 Network Bad and Spam Reporting Acceptance Center, which is a public reporting acceptance institution entrusted by the Ministry of Industry and Information Technology in internet society of china. It has achieved good results in reporting telephone harassment here;

3. China Internet Finance Association

If you have complaints and reports about the related business of online lending platform, it is also effective to choose China Internet Finance Association, which is to deal with Internet finance related issues;

4. China Banking and Insurance Regulatory Commission

If Brother Mengguo's online lending platform has problems such as violent collection or disclosure of privacy during the lending process, it can complain to China Banking and Insurance Regulatory Commission, usually by calling a complaint phone;

5. The local industrial and commercial department

If you want to complain about the online lending platform offline, you can go to the discipline inspection and supervision office of the local industrial and commercial bureau in Hezha to make a complaint.

to sum up, you need to provide detailed evidence and materials when you complain, including investment records, transfer records, chat records, text messages, etc. It should be noted that complaints may not have immediate effects, but actively complaining and strictly demanding the other party to investigate and handle things may help you retain some legal rights and evidence and warn others to avoid similar problems.

Legal basis:

Article 25 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases

If the lender requests the borrower to pay interest at the interest rate agreed in the contract, the people's court shall support it, except that the interest rate agreed by both parties exceeds four times the quoted interest rate in the one-year loan market when the contract is established. The "one-year loan market quotation rate" mentioned in the preceding paragraph refers to the one-year loan market quotation rate issued by the National Interbank Funding Center authorized by the People's Bank of China on August 2, 219.

Article 68 of the Civil Code

It is forbidden to lend at high interest, and the interest rate of borrowing shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract is not clear about the payment of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Borrowing between natural persons is deemed to have no interest.