Therefore, paying the certification fee to unfreeze the loan does not exist. It's just a routine for a liar to ask you for money. If you encounter this situation, you can ignore it and hang up the phone directly. If you are not sure, you can check with the online loan platform. And if the online lending platform says the same thing, you may encounter an informal platform. Perhaps the platform deliberately modified the bank card wrong, just to find a reason for fraud, and then quickly cancel the account and untie the bank card.
Legal basis: People's Republic of China (PRC) Criminal Law.
Article 266 Whoever defrauds public or private property in a relatively large amount shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or solely be sentenced to fixed-term imprisonment of not less than three years but not more than 10 years, and shall also be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated. Where there are other provisions in this Law, such provisions shall prevail.
Article 224 Whoever, in the process of signing and performing a contract, defrauds the other party of property for the purpose of illegal possession under any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also, or shall only, be fined for a huge amount or if there are other serious circumstances, be sentenced to fixed-term imprisonment of not less than three years but not more than 10 years, if the amount is particularly huge or if there are other particularly serious circumstances, be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated of property:
(1) Signing a contract in the name of a fictitious entity or another person; (2) Using forged, altered or invalid bills or other false certificates of property rights as collateral; (3) Deceiving the other party to continue to sign and perform the contract by first performing a small contract or partially performing the contract without actual performance ability; (4) fleeing after receiving the goods, payment, advance payment or secured property paid by the other party; (5) defrauding the other party's property by other means.