The short message sent by the restaurant

Recently, we published an article about "Jingdong Payment Freezing User Payment Account" Jingdong Wallet without authorization, which had a great response. The total reading volume of the whole network is 200,000+,and only The Total Weibo has150,000+reading volume. As a well-known enterprise in China, JD.COM has a large number of users, but its payment business frequently violates regulations, which is extremely irresponsible to JD.COM's trustworthy customers. 17 In August, Southern Metropolis Daily reported that in June last year 165438+ 10, a debit message suddenly came from Mr. Liu's bank card in Haikou. In less than two minutes, 8 deductions were made, and a total of 19200 yuan was taken away by "Jingdong Payment".

Third-party platform withholding can really facilitate our life, but if it is allowed to expand its business scope without restrictions, it will induce a lot of complaints and financial risks. Illegal withholding has a very bad influence on ordinary cardholders and banks, which not only reduces the social trust in bank cards, but also makes ordinary cardholders doubt financial security.

The user questioned the illegal deduction of "Jingdong Payment"

Mr. Liu, who received the text message, was puzzled. He didn't use this bank card to make a transaction before the deduction. How can this money be deducted? Customer Mr. Liu came to the bank outlet with questions, and concluded that the deducted money had flowed to Jingdong for payment. Mr. Liu then called JD.COM's customer service phone, and the customer service told him that Jingdong Finance was entrusted by Fanpu Credit to deduct Mr. Liu's previous arrears, and sent the loan contract and other materials he signed through the mailbox.

Mr. Liu did collect credit from Fanpu before, and he is going to pay off the loan in one lump sum on 20 19. Fanpu Credit also agreed, but the two sides had differences on repayment interest, and many consultations failed, so Mr. Liu suspended the repayment of the loan in a rage and untied the bank card.

The answer given by JD Finance is that when Mr. Liu signed a loan contract with Fanpu Credit Information, Fanpu Credit Information was authorized to entrust a third party to deduct money. After Mr. Liu refused to take the initiative to repay, Fanpu Credit Information entrusted JD Finance to deduct money.

Mr. Liu does not accept this statement. He said that the contract provided by Jingdong Finance was not signed by him, but was forged by Fanbu Credit Information. Mr. Liu said that this kind of deduction behavior of Jingdong Finance is unacceptable. He thinks it is inconceivable to directly deduct money from his bank card without his consent. So he reported this situation to Hainan Banking Insurance Regulatory Bureau.

When Mr. Liu contacted JD Finance again, JD Finance replied that it would verify and promise that someone would call back, but Mr. Liu did not reply. And the customer service of Fanpu Credit Information can't even get through the phone.

According to the data, Fanpujinke started as a P2P company and launched "Love Qian Bao" on 20 14. When the P2P industry was depressed, it began to turn overseas and has been cooperating with JD.COM overseas. It seems logical for Fanpu Credit Information to entrust Jingdong Finance to withhold and pay.

It is worth noting that there are a large number of behaviors such as beheading, high interest rate and violent collection against Fanpu's credit information and his love for money.

Withholding and remitting breeds financial loopholes, and "Jingdong Payment" is caught in the complaint storm of withholding and remitting.

On the black cat complaint and Baidu Post Bar, there are many complaints similar to those that Mr. Liu encountered. Searching for two keywords, Jingdong Finance and Jingdong Payment, on the black cat complaint platform, the total number of complaints reached 25,000+. Most of the complaints focused on the case that "Jingdong Payment" deducted money from the loan company without authorization. Baidu Post Bar once had a post that was suspected to have been stolen through JD.COM's payment bank card.

Entrusted deduction belongs to the business of collection and payment. At present, only licensed payment companies and banks can do it. Although entrusted withholding is their normal business, it is easy to cause disputes if the relevant companies are not reviewed.

Some insiders said that this third-party withholding contract signed at the time of loan is actually a very unequal contractual relationship. The loan company can use the loopholes in the contract to recover debts from the lender in various ways in the later stage, and even with the help of a third-party platform, it can directly withdraw money from the lender's account.