Why is the online loan still being collected after it has been repaid?

There are two situations you may encounter if you are still being charged for an online loan after repaying it. The first is to encounter fake debt collection. Most criminals obtain information about overdue borrowers through gray channels and then pretend to be debt collectors to defraud money. When the account is paid, it disappears. In this case, you must confirm the identity of the other party and go to the designated platform to repay. The second case is that the online loan platform does not cancel the account. If you encounter this, you can directly call the platform to request to cancel the account. Online Loan If the platform can only cancel the account on the grounds of payment of liquidated damages, it is recommended to complain directly to the local Banking and Insurance Regulatory Bureau and provide valid repayment records and chat screenshots. Why is the online loan still being collected after it has been repaid?

If the online loan is still being collected after it has been repaid, it should be because the loan platform has not notified the collection company that your debt has been settled!

You can contact the online loan platform by phone and explain the situation. If the phone collection calls harass you again, you can go to the Internet Finance Association and complain to the loan platform, and the collection calls will be stopped. What to do if an online loan has been paid off and is still being collected?

If the online loan has been paid off but is still being collected, the user can answer the collection call and inform the collection staff that the overdue debt has been paid off to avoid collection again. Since some online loan platforms outsource collection to collection companies, users may experience information lags after paying off overdue debts. After the collection personnel verify the user's repayment information, they will no longer require collection.

Alternatively, users can also actively contact the online loan platform after the online loan is overdue, and let the online loan platform contact the collection personnel. When the information between the two parties is consistent, the collection personnel will no longer make the collection call. Collection calls will affect the daily life of users, as well as family, friends, colleagues, etc. around you. After an online loan is overdue, please pay off the overdue balance as soon as possible.

As for online loan repayment, the credit record will generally be updated after one month. When you check the credit report that month, the credit report may not be displayed as cleared. How to identify the authenticity of consumer finance reminder text messages

After receiving consumer finance reminder text messages, if the content of the text message clearly states which financial institution owes the debt, the borrower can You can directly call back and ask the customer service staff of the financial institution to identify the authenticity; or you can go to the official APP of the financial institution to check the outstanding balance to see if it has really not been paid off.

After discovering that there is indeed an unpaid debt in his name, the borrower should immediately find a way to pay it off. Note that when repaying, you must also pay through official channels. Do not repay through unknown channels to avoid being cheated.