Judging from the content of complaints, in 20 18, complaints about bank accounts, loans and network services ranked in the top three. Among them, bank account complaints accounted for the highest proportion, accounting for 36.7% of banking complaints, mainly concentrated in credit card and savings card business, accounting for about 90% of such complaints. Including card activation, marketing, card use, interest and fee pricing, card sales and account cancellation. Among them, the more common ones are that the complaint card is bound to other businesses, the card charges and standards are not fully informed in advance, the funds in the card are stolen, and the credit card is maliciously collected after it is overdue.
The proportion of loan complaints is also relatively high, reaching 35.9%. Complaints mainly involve mortgage business. The most prominent complaint content is the mortgage loan term dispute, accounting for 57.6% of the total mortgage complaints, and most of them occurred in the first half of 20 18. In addition, the main contents of the loan complaints include: the unilateral increase of the loan interest rate by the bank, the acquisition of the mortgage real estate license, the witness fee of the mortgage lawyer and other cost disputes.
In addition, there are many complaints about intermediary business, such as the income of wealth management products has not arrived on time, consumer deposits have become structured wealth management products, banks are suspected of not clearly informing the properties of bancassurance products, and disputes over the loss of income from surrender of bancassurance products.
The insurance industry complains most about property insurance.
The most common insurance complaint is property insurance, which mainly involves disputes over insurance losses and compensation. The contents include: the actual compensation amount of auto insurance is lower than the fixed loss amount, the dispute over the compensation standard of medical expenses for personal injury accidents, the inability to choose the repair place when the vehicle is out of danger, the excessive floating rate of vehicle renewal premium, and the poor maintenance quality of the vehicle.
The contents of life insurance complaints mainly include: the long time for the surrender payment to arrive, the dispute over the amount of accident insurance compensation, and the customer's policy being deducted because the salesman did not cancel the automatic renewal in time.
Such complaints mainly involve banking institutions, including: incorrect entry of personal information for credit investigation, existence of unauthorized bank inquiry records for credit investigation, overdue credit investigation records after timely repayment, and inability to print credit investigation due to the registration of credit ID in temporary id card.
In addition, there are other types of complaints, accounting for 4.2%. Complaints mainly include microfinance companies, consumer finance companies and P2P online lending platforms. Complaints include abnormally high loan interest rates, high loan interest rate cuts or agency fees, overdue boasting of violent collection, and fraudulent consumer investment by online lending platforms.
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Related Q&A: 12363 Summary of complaints about online loan collection 12363 is the consumer finance complaint hotline, 12363 complaint acceptance process. When the People's Bank of China handles the telephone complaint of 12363, it will inform the complainant first. In principle, complaints should be made to financial institutions first, and financial institutions will not accept or deal with them within a certain period of time, or financial consumers are not satisfied with the results. The People's Bank of China will register the complaints of financial consumers within the scope of acceptance, and timely transfer them to the complained financial institutions for investigation and verification, and the financial institutions will reply the results to the People's Bank of China. After the transfer, if the complainant and the complained financial institution cannot reach a settlement, the People's Bank of China will organize mediation. If mediation fails, the People's Bank of China will inform the complainant that the dispute can be settled through litigation or arbitration. Answer to the consultation record of online loan collection complaints in March 2022-12 12363 Hello, welcome to consult violent collection. 12363 is the consumer finance complaint hotline. 12363 complaint acceptance process when handling the telephone complaint of 12363, the People's Bank of China will inform the complainant first. In principle, complaints should be made to financial institutions first, and financial institutions will not accept or handle them within a certain period of time, or financial consumers are not satisfied with the handling results, and then complain to the People's Bank of China. The People's Bank of China will register the complaints of financial consumers within the scope of acceptance, and timely transfer them to the complained financial institutions for investigation and verification, and the financial institutions will reply the results to the People's Bank of China. After the transfer, if the complainant and the complained financial institution cannot reach a settlement, the People's Bank of China will organize mediation. If mediation fails, the People's Bank of China will inform the complainant that the dispute can be settled through litigation or arbitration. In your case, I suggest you call the police and let the police handle it. You can solve 1 and call the police in the following ways. If serious violent collection is involved, the most direct way is to call the police. Because violent collection has seriously affected the borrower's life, you can directly apply to the local public security bureau for filing, and it is recommended to keep relevant evidence, such as chat records, audio and video recordings, etc. 2. CBRC. China Banking Regulatory Commission (CBRC) plays a regulatory role in China's financial industry. If the borrower accidentally applies for an informal online loan and encounters violent collection, he can directly complain to the CBRC. The borrower can call the customer service hotline of CBRC or leave a message in official website. 3. 1232 1 Network Bad and Spam Reporting Acceptance Center. 1232 1 is a platform for handling harassing calls, spam messages, fraudulent calls, etc. The most common collection method of some informal online lending platforms is to explode the address book. If the borrower encounters telephone harassment, he can make a complaint through this platform. But the most effective way is to call the police. I used to have a loan in the math department, but now a Yang Hai investment manager wants me to pay it back. Is it risky for me to go in? If you are satisfied with my targeted reply above, you can give me a compliment and click on my avatar for graphic consultation and attention, so that I can continue to answer your questions in a targeted manner. I will look forward to solving your problem next time! You'd better repay the loan on your original loan platform. You can contact the customer service of the platform first, and then decide whether to repay after knowing the situation. You can call the police first and let the police handle it for you. If you are satisfied with my targeted reply above, you can give me a compliment and click on my avatar for graphic consultation and attention, so that I can continue to answer your questions in a targeted manner. I will look forward to solving your problem next time! Credit card overdue, the bank sued but did not file a case to negotiate with the bank for installment repayment. Can we negotiate? After being sued by the bank, the lender will receive a subpoena from the court. At this time, contact the loan bank quickly and apply for installment repayment or delay repayment. If you are satisfied with my targeted reply above, you can give me a compliment and click on my avatar for graphic consultation and attention, so that I can continue to answer your questions in a targeted manner. I will look forward to solving your problem next time! I contacted the bank, and the bank said that before filing a case, there must be enough principal to dismiss the lawsuit, otherwise the court will decide. Can I return some money to show that I am willing to pay it back? In this case, you can only communicate with the bank yourself and convince the bank that you have the willingness to repay. If the other party doesn't believe you, you should be prepared to go to court, and the other party can apply to the court for enforcement. If it is not implemented, it may be subject to criminal punishment. If you are satisfied with my targeted reply above, you can give me a compliment and click on my avatar for graphic consultation and attention, so that I can continue to answer your questions in a targeted manner. I will look forward to solving your problem next time! What should I do if the bank refuses to file a lawsuit? It depends on your situation, such as your income and expenses. You have to appear in court by yourself, but you can entrust a lawyer, which is more conducive to safeguarding your legitimate rights and interests. If you are satisfied with my targeted reply above, you can give me a compliment and click on my avatar for graphic consultation and attention, so that I can continue to answer your questions in a targeted manner. I will look forward to solving your problem next time!