How to complain and report online loan collection

China Internet Finance Association complained to Jin Mu Association, an organization that specializes in managing the financial industry. I can summarize my personal situation and send it to you, and leave my contact information. Wechat directly searches the official account of "China Internet Finance Association" and clicks the menu "Contact us"-"I want to report", and there will be feedback. China Banking Regulatory Commission (CBRC) complained that it has merged with China Insurance Regulatory Commission (CIRC) to form the Banking Insurance Regulatory Commission, which is the direct management unit of banking financial institutions. In case of violent collection, telephone bombing and address book explosion, it is most effective to complain here. I advise you not to call the headquarters. You can search the phone number of the local banking regulatory bureau in Baidu. Complaints from financial office

If it is a formally registered company, it is useless to complain to the industrial and commercial bureau, but it may be more useful to call the local financial office directly to find the ownership of the organization. 1232 1 Office for Reporting Bad Network and Spam Information

1232 1 platform is the most useful website for handling collection calls. The scope of acceptance of reporting includes: reporting bad and junk information in various forms of information communication networks and telecommunications services such as the Internet and telecommunications networks. It mainly includes: spam messages, harassing phone calls, spam, bad websites, bad apps, and personal information disclosure. The way to report complaints to the police is generally to harass the phone. If it doesn't seriously affect personal life, the alarm has little effect. If the other party has been insulting, threatening or harassing, pay attention to keeping relevant evidence, you can call the police and send the alarm record to the collection, which can play a deterrent role.

First, overdue repayment after borrowing money is usually collected by the platform, which is divided into telephone collection and door-to-door collection. In the case of ineffective telephone collection, the collection staff will come to collect debts. Some netizens said that he received a text message from the collection staff, and the other party said that he would come to the door at some time. Is it true?/You don't say. Let's have a look. As far as the actual collection situation is concerned, this kind of short message saying when to come to the door is generally false, and it is a statement of the collection platform, mainly to put pressure on the collectors. After all, home collection is more difficult than telephone collection. Unless the overdue amount is large and the overdue time is long, the other party will send someone to collect it. However, even if the door-to-door collection is false, it does not mean that we can not pay back the money, otherwise the telephone collection will continue, and records may be left on the PBOC credit report or private big data, which will affect personal credit and future loan applications.

Second, telephone collection is the most direct, the lowest cost and the most efficient collection method in the industry. But in the process of operation, many collectors will break the law. They will make several or even dozens of phone calls to overdue people every day, which will cause great harassment to those who are trying to earn money to repay. Some even directly call the people in the obtained address book information to inform the borrower of the loan information and overdue information, which has a great negative impact on the borrower!

Third, some will rudely express that they want to freeze their accounts, be blacklisted, and restrict travel by SMS. Even text messages will show that your children or relatives will be hurt. Others will falsify court information, causing a certain degree of panic to overdue people. So in any case, we must take up the law to safeguard our legitimate rights and interests.