Safe payment and anti-fraud collection: What are the cognitive misunderstandings to avoid "unreasonable deduction"?

Mr. Li applied for a loan of RMB 654.38+10,000 yuan through the "One-profit Loan" APP platform, and agreed to repay the loan in installments through his own bank debit card every month. Soon after, Mr. Li received a debit message, which showed that "your account with the suffix of 3 1 15 spent RMB 3,000 (from a payment company-a bank) at 03:2 1 on March 25th".

Since he did not directly contact the bank and payment company shown in the short message, Mr. Li thought that he had been stolen, so he contacted the customer service of the bank where his debit card belonged. The bank staff said that this deduction did happen and the funds were deducted by a payment company. It is suggested that Mr. Li consult the bank or payment company again. Mr. Li was puzzled and tried to contact the bank mentioned in the text message to verify that the deduction was a loan repayment fee of "a profitable loan".

Mr. Li's experience is not unique. According to the Baidu search results of keywords such as "unreasonable fee deduction" or "unreasonable fee deduction", there are not a few users who query "unreasonable fee deduction", but after verification, most of the "unreasonable fee deduction" users find that they have not really encountered unreasonable fee deduction or theft, just because the "strange" banks and payment companies in the notification messages have caused misunderstanding and panic among users.

Solution | Borrow from A, why does the transaction show that the payment company B deducts money?

To understand this problem, we need to clarify the multi-role relationship behind the deduction transaction. Take Mr. Li's loan incident as an example. Assuming that the loan platform is A, the payment company is B and the employer's bank is C, in fact, the "one-profit loan" platform A itself has no loan qualification, but is just a lending platform to attract customers. It can be understood that Mr. Li actually applied for a loan from the employer's bank C, but signed a repayment contract through the "one-profit loan" platform A, and Mr. Li actually made a monthly loan.

So, where does payment company B come from? It is reported that in order to improve the user experience, ensure the convenience of users' repayment, and ensure that loan users such as Mr. Li Can repay their loans through bank cards other than the employer's bank C, the bank will cooperate with the payment company, and the payment company B will provide payment and settlement services for the employer's bank to assist users to make regular repayment with bank cards other than the employer's bank C. Therefore, the information of the employer's bank C and the payment company B will appear in Mr. Li's debit message, and the payment company will provide payment and settlement services for the bank. It meets the requirements of the Measures for the Administration of Payment Services of Non-financial Institutions promulgated by the People's Bank of China.

Collection of popular science | dealing with "unreasonable deduction of fees"

Similar to Teacher Li's "unreasonable deduction", in fact, most of them are users' cognitive misunderstandings, rather than the real unreasonable deduction. Therefore, after discovering the "unreasonable deduction", you can seek the following correct help path at the first time to distinguish the authenticity and avoid unnecessary panic and worry.

1. Identification of authenticity: When you receive a short message of bank debit, but you have no impression of the transaction, you can contact the customer service of the third-party payment company or the employer's bank mentioned in the short message as soon as possible to verify the transaction details and ask them to help you recall and verify the transaction scenario. Generally speaking, third-party payment companies can accurately inform users of the employer's account opening bank, deduction time and other specific information.

2. Active consultation: when handling loans or other installment business, actively learn and consult the information of the employer's bank and related parties of deduction, so as to learn the information of loan deduction and repayment and avoid unnecessary worries.

3. Handling of stolen credit cards: In the case of verifying that the funds are indeed stolen, please call the police at the first time, and contact the bank that sent the debit message to freeze the account and report the loss of the bank card.

Ping An Pay reminds you that when users encounter a situation similar to Mr. Li's "unreasonable deduction of fees", don't panic and be overly sensitive, refer to Ping An Pay for anti-fraud collection and solve it rationally. At the same time, third-party payment companies will continue to strengthen risk control, strictly review the qualifications of merchants, inject positive power into * *, and build a healthy and safe payment ecosystem.