How to complain about malicious collection?

Malicious collection can be complained to the CBRC and other regulatory authorities, or it can be complained on platforms where professionals take over complaints, such as the black cat platform. Relevant complaints will be forwarded to the defaulting institution and will always be answered.

Why do relatives and friends in your address book also receive collection calls, which obviously has nothing to do with online loans? Why do "acquaintances" receive reminders?

"You need to provide emergency contact information or mobile phone address book. At the same time, you authorize us to provide SMS reminders and telephone contact to the contact information provided by you when the borrower loses contact or is overdue. "

"The platform can use the information submitted or authorized by users to provide services such as reminding or collecting overdue accounts, and the platform will not be responsible for any adverse impact on users."

Some online loan apps will ask for authorization to read the address book when registering, and they can collect it from unrelated "acquaintances" and write it into the user agreement. If the user clicks "Disagree", the online loan app "can't provide services for you".

The customer service staff of an online loan platform confirmed that the use of loan business must go through the authorization link. If the repayment is normal, it will not affect the borrower and contact person. Once in loans overdue, the platform may collect contacts in the address book and urge borrowers to repay as soon as possible.

The Specification for Essential Information of Basic Business Functions of Mobile Internet Applications clearly stipulates that network operators must follow the principles of legality, fairness and necessity in collecting and using personal information, except with the consent of the collected person. According to the Specification for Essential Information of Basic Business Functions of Mobile Internet Applications, financial institutions can require users to manually input the information of two emergency contacts for dunning when borrowers fail to repay their loans within the time limit, instead of forcibly reading the user's address book. The online loan APP shall not refuse to provide services because the user refuses to authorize the collection of irrelevant or excessive information.

The relevant laws, regulations and industry conventions of the Self-discipline Convention on the Collection of Overdue Debt in Internet Finance (Trial) have already restricted the collection of debts by unrelated third parties. For example, the Self-discipline Convention on Collection of Overdue Debts in Internet Finance (Trial) stipulates that the collection shall not harass irrelevant personnel, and shall not disclose personal information such as debtor's debts, overdue and breach of contract to others other than the debtor.

The borrower borrows from the online lending platform and forms a loan contract relationship with the platform. According to the relativity of the contract, disputes arising from the borrower's failure to repay the loan on time should be resolved through consultation between the online lending platform and the borrower and should not involve unrelated third parties. If unrelated "acquaintances" frequently receive text messages or phone calls, they can keep relevant evidence, such as screenshots of text messages, telephone recordings, etc. If necessary, they can complain to China Internet Finance Reporting Information Platform.

In addition to financial institutions, outsourcing collection companies should also be included in the scope of industry self-discipline. The industry should restrain illegal collection through self-discipline management measures such as ordering rectification, warning interviews, making informed criticism public, and compulsory training and education.