Investigation of Phoenix 315 Bank: CCB leaked customers' privacy and induced customers to charge their credit cards forcibly.

The Bank's Financial Eye produced by Phoenix Net Finance

Banks have always been the most trusted financial institutions of the people. However, in 22, there were countless bad events in banking institutions, consumers' rights and interests were damaged, and the trust of the people gradually collapsed. In this regard, Phoenix Net Finance initiated the collection and investigation of 315 bank complaint clues, comprehensively collected and combed the cheating and unfair experiences that consumers encountered in bank consumption in the past year, and worked together to protect consumers' rights and interests and create a healthy financial environment.

As of press time, Fenghuang.com Finance has received many complaints about banks, involving large state-owned banks, joint-stock banks, city commercial banks and rural commercial banks. Among them, China Construction Bank has become one of the largest state-owned banks with more complaints. Complaints include refusing users to withdraw their deposits, CCB APP inducing customers to use credit cards to withdraw money, and taking the opportunity to collect fees.

In addition, in the 315 Bank Complaint Survey launched by Phoenix.com recently, the number of complaints from China Construction Bank also remained high, involving problems such as China Construction Bank leaking customer privacy, reselling customer information for profit, losing deposits, harassing spam messages, and the worst service.

CCB APP induces customers to use credit cards to withdraw cash and take the opportunity to charge

Phoenix Net Finance received a complaint from Mr. Zheng, a user of CCB, saying that when the ATM machine of CCB self-service bank on the southwest side of Guangrong New Village, Mengshan Road, Gulou District, Fujian Province used "Dragon Pay" to withdraw money, it was induced to use credit cards to withdraw cash and was charged by the opportunity.

Mr. Zheng told Fenghuang.com Finance that when the savings card was effectively bound and the funds were sufficient, the CCB APP system selected the credit card by default, and the selection direction was very inconspicuous, which could not attract users' attention and could not distinguish when entering the password. Mr. Zheng believes that CCB APP intentionally induces users to use credit cards to withdraw cash, which goes against users' subjective wishes and forces them to charge 5 yuan cash withdrawal fees.

Mr. Zheng repaid the loan as soon as he found the problem, and contacted the online and offline staff at the scene and by telephone. The complainant said that after telling the truth and the humanized handling of similar situations in other banks, the staff of CCB still refused to solve the problem, and their attitude was "arrogant and very unfriendly". CCB's feedback to the user is that "if you use the credit card according to the regulations, you can't cancel it any more", and it is said that using the credit card APP is prompted.

Mr. Zheng told Phoenix Net Finance that he did not accept the handling and reply methods of CCB, and then complained about the incident to China Banking and Insurance Regulatory Commission, and planned to cancel the credit card of CCB and stop using it.

China Construction Bank was accused of violating the obligation of capital security

In the 315 bank survey initiated by Phoenix.com Finance, in question 2, regarding the case of "bank leaking customers' privacy and losing deposits", the top two complaints were all from China Construction Bank. The option "China Construction Bank: reselling customer information for profit, information leakage is rampant, and the president, account manager and outsourcing employees have all participated" won 7581 votes, accounting for 22.39%; The option "CCB: 1 million deposits of post-8s women disappeared, and CCB only compensated 4.5 million with interest" won 6783 votes, accounting for 2.3%.

after the first trial and the second trial, the court concluded that the Liyawan Sub-branch of China Construction Bank violated its obligation to ensure the safety of funds in the savings contract, and the court finally ruled that the Liyawan Sub-branch of China Construction Bank should compensate Li for 4.5 million yuan and the interest on current deposits within the corresponding period.

There are frequent incidents in which CCB leaked customers' privacy

The same is the survey question 2. Regarding the case of "Bank leaking customers' privacy and losing deposits", which consumers can't tolerate, the top two complaints are all from China Construction Bank. The option "China Construction Bank: reselling customer information for profit, information leakage is rampant, and the president, account manager and outsourcing employees have all participated" won 7581 votes, accounting for 22.39%.

In 22, the column of "Bank Finance Eye" of Phoenix.com reported many cases of reselling customer information related to branches of China Construction Bank. Throughout each case, the perpetrators are widely distributed, including not only the employees of China Construction Bank at that time, but also former employees and outsourcing personnel of China Construction Bank. In terms of age, the post-7s and post-8s are involved, and the post-9s also account for a lot. According to the judgment reasons given by the judgment document network, they are all "crimes of infringing citizens' personal information". The side reflects the lack of risk control and lax supervision in all branches of China Construction Bank, and the serious disclosure of customer privacy by China Construction Bank.

After 9s, the outsourcing staff of China Construction Bank colluded with the customer manager of CCB to commit a crime

In this case of customer information disclosure and infringement of citizens' personal information related to China Construction Bank, Cui Mou, an outsourcing staff of Yongzhou Branch of CCB, used the credit card of Yongzhou Branch of CCB to inquire about the user and password of Chen Mou, the customer manager, and inquired about 3,678 personal credit reports from other places, and sold them to microfinance companies through unemployed citizen Lu Mou at the price of 1 yuan/share, thus making an illegal profit of about 36,78 yuan.

The customer manager of CCB and the salesman of CCB illegally inquired about credit information and made illegal profits

In another case related to the disclosure of customer information of China Construction Bank in 22, Wu Moumou, the customer manager of Nansha Zhujiang Street Sub-branch of CCB, was then the salesman of Housing and Consumer Credit Department of Nansha Zhujiang Street Sub-branch of CCB (now the credit customer manager of Ping An Bank Guangzhou Branch), and together with Tan Moumou, the customer manager of Shiling Business Department of Guangzhou Huadu Chouzhou Village Bank, committed crimes and illegally inquired about and traded more than 1 credit information.

after investigation, the defendant tan moumou infringed 325 pieces of citizens' credit information, the defendant Wu moumou infringed 234 pieces of citizens' credit information, and the defendant Rao moumou infringed 193 pieces of citizens' credit information. In the end, the court sentenced Tan Moumou to the crime of infringing citizens' personal information, Wu Moumou to the crime of infringing citizens' personal information, and Rao Moumou to 11 months in prison and fined RMB2,.

In addition, question 7 "There are serious complaints about spam messages from banks. Which bank has received the most complaints about spam messages?" China Construction Bank received 485 votes, accounting for 1.65%, ranking second. Question 8: "Which bank do you think has the worst service in the past year?" , China Construction Bank won 565 votes, accounting for 12.98%, also in the forefront.

Although it is one of the "big four banks", only from the relevant cases in recent years and the complaints received by Phoenix Net Finance, China Construction Bank has a long way to go to "build".