Binzi thinks that Yu 'ebao should not have a big risk, otherwise its deterrent power will never be worse than HN rural bank, and the news has already spread all over the sky.
A man in Harbin (hereinafter referred to as Teacher Yu) deposited his 460,000 savings in Yu 'ebao, but found that he could not take it out when needed. Ask customer service. It takes 1084 days for the customer service reply to be taken out.
On June 22nd, Alipay Security Center responded:
According to the report information and platform risk system identification, Ms. Yu's account transaction is abnormal, which may involve illegal situations such as online gambling, telecom fraud, illegal investment and wealth management or false transactions. In order to avoid losses caused by criminals using user accounts, Alipay imposed certain restrictions on teachers' accounts according to relevant national laws and regulations. After Alipay and Teacher Yu verified that the risks were eliminated, their accounts resumed normal use in May.
According to Alipay's response, Teacher Yu's Alipay account may involve illegal activities, and some functions are temporarily restricted and need to be verified.
Mi checked the relevant information, and the illegal acts of Alipay account include: unknown account transactions, lending personal accounts to others, placing orders online, running away, trading virtual currency, speculating foreign exchange online, and engaging in pornography online.
Because these acts may be used by criminals to conduct illegal transactions, leading to the disclosure of personal information, affecting account security, or violating relevant laws and regulations.
Not only Alipay will be frozen, but also WeChat and bank cards will be frozen due to illegal operations.
Everything has two sides. The freezing of Alipay, WeChat or bank cards is not necessarily a bad thing, and sometimes it will become a powerful weapon in our hands.
Jiang and Li are friends. In September 2020, Li borrowed 30,000 yuan from Jiang due to financial constraints and made a loan. After many unsuccessful attempts, Jiang sued his friend to Huoqiu court. After trial, the court ruled that Li repaid Jiang' s loan of 30,000 yuan. After the judgment, Li still failed to fulfill his repayment obligation, and Jiang had to apply to the court for enforcement.
After the case entered the execution procedure, the execution judge served the enforcement notice and other legal documents to the person subjected to execution according to law, and repeatedly contacted Li to persuade him to fulfill his obligations as soon as possible, as well as a series of legal consequences of refusing to perform. At the same time, the executive judge conducted a judicial freeze on Li's bank account, WeChat and Alipay through the network inspection and control system.
After the WeChat account was frozen by the court, Li deeply felt the inconvenience caused by this matter. In the end, Li had to take the initiative to contact Jiang and repay the loan of 30,000 yuan to Jiang. At this point, the case was successfully executed.
If you encounter Lao Lai who refuses to pay back the money, you can apply to the court to freeze his account and force him to repay the debt.
What should I do if I find that Yu 'ebao, WeChat change or bank card are frozen?
First, determine who is frozen.
If changes such as Yu 'ebao, Alipay and WeChat are frozen, it is necessary to confirm whether the functions of the tripartite platform are frozen or the bank card balance is frozen.
Secondly, if the three-party platforms (WeChat and Alipay) are frozen, it is necessary to check whether the relevant fund accounts are used illegally and whether there are outstanding debts.
Third, if there is no violation of laws and regulations, communicate with the other party through online customer service or telephone customer service at the first time to understand the reason for being frozen.
Fourth, under normal circumstances, the balance is frozen, you need to submit relevant information and proof, and the customer service will communicate with you.
However, the bank card is frozen, and there will be reasons for freezing. The customer service is not clear. You need to go to the counter at this time.
Finally, after submitting relevant information, wait for the platform to thaw.
The above Alipay case comes from a later reply:
After the teacher called Alipay customer service for feedback, he uploaded relevant certification materials according to the prompts, and Alipay Security Center immediately contacted relevant departments to eliminate relevant risks. in May
Therefore, it is very convenient to unfreeze Alipay without violating laws and regulations.
Related Q&A: How to take out the frozen funds in Yu 'ebao? In order to unfreeze Alipay's frozen funds, we need to know why our Yu 'ebao funds are frozen. The reasons for freezing are different, so the methods of thawing are different. How to find out the reason why Yu 'ebao's funds are frozen: Open Alipay, find Yu 'ebao, and click Enter. One option is to freeze the amount below the total amount of Yu 'ebao. Click Enter to check the freezing reason. Usually, Yu 'ebao's funds are frozen for the following reasons:
1. After the ordinary transfer-out of Yu 'ebao is upgraded, the quick transfer-out limit is 6,543,800 yuan. There is no limit to ordinary transfer, but there will be a process of arrival time for ordinary transfer. Before the money is transferred to the bank card account, it will be frozen in the Yu 'ebao account. If the funds transferred to the account are frozen, the funds will be automatically unfrozen when they arrive.
2. Yu 'ebao Repayment Manager Yu 'ebao Repayment Manager is a regular repayment function. If the user sets a regular repayment plan, the amount used for repayment will be frozen in Yu 'ebao. After the repayment amount is unlocked, the funds will be unfrozen.
3. Yu 'ebao Desired Savings Yu 'ebao has a desired savings function, and the user can set the desired savings amount, and then the Yu 'ebao system will freeze the desired savings amount in the Yu 'ebao account regularly according to the deposit amount period set by the user. If you want to unfreeze the frozen funds of the wish savings, you can unfreeze them after the set wishes are realized, or you can terminate the wish plan in advance, so the funds can also be unfrozen.
4. Appointment of regular wealth management products If Alipay users make an appointment for regular wealth management products, the funds will be frozen in the Yu 'ebao account before the wealth management transaction is completed, and the wealth management funds will be deducted from the Yu 'ebao account after the wealth management transaction is completed. This answer is provided by Fuguihua, I hope it will help you. Like Alibaba's Lending Treasure and Tencent's Micro-loan, Qianhua is a credit service brand of Xiaoman Finance (formerly Finance), belonging to a big company and brand, which is formal and safe, with low interest rate and very reliable. Relying on the advantages of technology and scenarios, we have the money to use artificial intelligence and big data risk control technology, and accumulated loans of more than 400 billion yuan, providing convenient, fast and safe Internet credit services for countless users.