How to complain about illegal collection of credit cards?

After the credit card is overdue, if you encounter violent collection or illegal collection, you can complain to the regulatory authorities. Complaints can be made in the following ways:

Credit card headquarters complaint

China Banking and Insurance Regulatory Commission complained.

Complaints from the bureau of letters and calls

Consumer financial complaints

Bank dispute mediation center

Beijing Bing Zheng Center

If there is violence, soft violence or illegal collection of your credit card during the overdue period, you can make a complaint through the above methods. However, before making a complaint, we must first collect evidence. Complaints without any evidence are malicious complaints, and the regulatory authorities generally do not accept them.

The following are some examples of illegal collection:

Call a third person other than the two reserved emergency contacts to inform the cardholder of the situation. For example, explode the address book, send your credit card arrears to all contacts in the address book, and ask the other party to help you repay. These harassing phone calls and text messages can be used as evidence when complaining.

When I put it outside the door, I scared the old people at home without your permission.

In the process of collection, there are insults, insults, threats and intimidation to cardholders.

Of course, there are many more, so I won't list them here. After collecting the evidence, you can complain to the regulatory authorities about illegal collection by telephone, email or letter. As long as the other party accepts it, it will investigate. If this happens, the regulatory authorities will ask the bank to contact the cardholder to apologize and propose a solution. These regulatory authorities, in addition to accepting illegal collection, can also help you negotiate repayment by installments with the bank, which is what we often say. Of course, you can also complain about bank personnel, bad attitude, handling business with emotions and so on. As long as we are treated unfairly, we can complain through the above-mentioned regulatory authorities.

To sum up: after the credit card expired, it encountered illegal collection. Complaints and reports can be made to the credit card headquarters, China Banking Regulatory Commission, letters and calls bureau, consumer finance, bank dispute mediation center, Beijing Bing Zheng Center and other regulatory authorities. Ask the collection party to stop the illegal collection immediately and ask the bank to apologize.