Can I complain about online loan collection?

Where are the complaints about illegal online loan collection? There are five places to complain!

; ? After several years of accumulation, there have been many people applying for online loans. Among many borrowers, some can repay on time, while others can't. For those who can't repay, it is inevitable to be accepted. However, some friends were illegally collected by online loans. So, where are the complaints about online loan violations? Today, I will introduce the main complaint channels to you.

China Banking and Insurance Regulatory Commission

In China, China Banking and Insurance Regulatory Commission is one of the competent departments of the financial industry. Therefore, once you encounter violent collection of online loans, you can complain to the CBRC. The complaint telephone number of China Banking Regulatory Commission is "*". The working hours of the complaint telephone are: 9 am to 1 1: 30, and 2 pm to 4: 30.

In addition, the CBRC has banking regulatory bureaus in all provinces and prefecture-level cities. You can go directly to the local banking regulatory bureau to complain about illegal collection of online loans.

Local financial office

At present, governments at all levels have their own financial services (work) offices, which can also receive complaints from everyone. If you encounter illegal collection of online loans, you can bring evidence to the local financial office to complain on the spot, or you can complain by phone.

Internet finance association

In China, Internet finance has its own association, which will conduct self-discipline on industry norms. In case of illegal collection of online loans, you can make a complaint through the official website Complaint Platform of Internet Finance Association.

Collect complaints

JuComplaint is a public welfare consumer complaint platform, which also accepts online loan complaints. Official website, where complaints gather, can complain about illegal collection of online loans.

police

The illegal collection behavior of some illegal online lending platforms is very bad, which has constituted what the law calls "violent collection". For violent collection, you can call the police directly without complaining to the regulatory authorities. The public security organs will severely crack down on the violent collection of illegal online lending platforms.

Above, I will introduce you to where the complaints about illegal online loans are collected. Generally speaking, you can go to the "CBRC, local financial offices, Internet finance associations, poly complaints, public security departments" to complain about illegal collection of online loans.

How to report violent collection of online loans

The most effective way to report violence collection is to call the police.

You can provide relevant evidence and call the police directly. If serious violence collection is involved, it is recommended to keep relevant evidence and apply directly to the local public security bureau for filing. In addition, it is also effective to complain to 1232 1 Internet Bad and Spam Reporting Acceptance Center, Finance Office where the collection company is located, and CBRC.

Although the current situation of violent collection has improved, there are still illegal collection companies that carry out violent collection, so actively complaining and reporting is the best way to safeguard their legitimate rights and interests.

Harm of violent collection:

First of all, when the borrower's online loan is overdue, some collectors will bomb the address book in addition to threats and intimidation. However, when the borrower is bombed in the address book, it means that relatives and friends will be harassed and negatively affected, and even the collectors will insult and intimidate the relatives and friends of the borrower.

In this case, some relatives and friends will complain to the borrowers in loans overdue, and eventually there will be estrangement and contradiction between them, and even the contradiction will deepen when the collectors continue to harass the people around the borrowers frequently.

How to complain and report online loan collection

Online loan collection can retain relevant evidence, and audio and video recordings can be provided if conditions permit. You can directly report to the police or report to the China Banking Regulatory Commission and the Internet Finance Association.

1, China Banking Regulatory Commission: The main responsibility of China Banking Regulatory Commission is to conduct unified supervision and management of banking and insurance industry according to law. When using online loans, if you encounter violent collection of online loans, you can complain to the CBRC.

2. Internet Finance Association: This Association is a national self-regulatory organization in the Internet finance industry organized by the People's Bank of China in conjunction with the China Banking Regulatory Commission, China Securities Regulatory Commission, China Insurance Regulatory Commission and other relevant ministries and commissions. In case of illegal collection of online loans, complaints can be made through the official website Complaint Platform of Internet Finance Association.

3. Alarm: If there are violations of online loan collection, such as harassment, address book explosion, intimidation, etc. , you can report to the public security department.

4. 1232 1 Network Bad and Spam Reporting Acceptance Center. Now 1232 1 is relatively perfect. You can download the APP in official website and report it at any time. This platform mainly accepts fraudulent phone calls, harassing phone calls, spam messages and other reporting services. Complaining about telephone harassment is the most effective way.

5. Collect complaints. This is the largest private complaint platform, which has a certain binding force on the platform of registered companies with formal qualifications, while 7 14 anti-aircraft guns and routine loans have little effect, but everyone can still complain actively, which may be of some use.

1. At present, all lending platforms are managed by the CBRC, and online lending platforms are most afraid of the CBRC. The Innovation Department of CBRC is mainly responsible for managing online lending platforms and handling online lending complaints. If the interests of banks in online loans are damaged, you can call the CBRC to complain and protect your rights and interests. The complaint telephone number of China Banking Regulatory Commission can be found on official website.

2. The central bank issued guidance to promote the healthy development of Internet finance, clearly stipulating that the CBRC will supervise and manage the online lending platform. China Banking Regulatory Commission was established on April 25th, 2003. It is to maintain the legal and steady operation of the banking industry. Banking supervision is the top priority of financial supervision. There are four levels of organizations in China. 3 1 provincial capital city * * 36 banking regulatory bureaus, Xiamen, Qingdao, Shenzhen, Dalian and Ningbo, covering a wide range.

How to complain about violent collection of online loans

If the following 10 situations exist in the online loan platform collection, it is illegal to complain:

1. Calling relatives or friends in the borrower's address book without the borrower's permission, harassing for many times.

2. Intimidate or threaten the borrower or relatives and friends in the address book by means of WeChat or SMS;

3. The borrower calls more than 3 times within one day after the deadline;

4. The borrower's overdue collection is not from 8: 00 am to 9: 00 pm;

5. Disclosure of personal information of the borrower;

6, to the borrower's home or work unit collection caused serious damage to personal reputation;

7. After overdue, the overdue fee is higher than the overdue interest rate stipulated by the People's Bank of China;

8. Induce the borrower to borrow from other platforms to repay the loan from this platform;

9. Use illegal software SMS to bomb the borrower's mobile phone number;

10, posing as a staff member of the state law enforcement agency to intimidate borrowers, violently accepting money and other illegal acts.

Complaint channel 1: China Internet Finance Association.

Complaint entry:

Official website link:

Pay attention to the official account of WeChat of Internet Finance Association and contact us-I want to report a complaint.

Complaint channel 2: Call local banking regulatory bureaus to complain, which varies from place to place, and check online by yourself.

Banking Regulatory Bureau official website:

Complaint channel 3: collecting complaints

Official website link:

Or pay attention to collecting WeChat official account complaints.

Check the online loan complaints being processed.

Complaint channel 4: complain to the industrial and commercial department.

There are the following five channels:

National Internet Platform 123 15:

Wechat official account: National Internet Platform 123 15.

Wechat applet: 123 15

Mobile APP: National Internet Platform 123 15

Complaint hotline of the industrial and commercial bureau where the respondent is located: 023- 123 15.

Complaint channel 5: In case of illegal SMS harassment, you can complain and report to 1232 1 Network Bad and Spam Reporting Acceptance Center.

(1) Reporting SMS Website:

(2) Website reporting harassing phone calls:

(3) Report SMS/phone bombing websites:

(4) Reporting telephone number: 0 10- 1232 1.

(5) Click "Report Bad Network Information" on the city service pages of WeChat, mobile QQ and Alipay.

(6) Official WeChat: Pay attention to WeChat WeChat official account "1232 1 Reporting Center", click "I want to report" or send text and voice directly.

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