How to deal with the freezing of funds:
When applying for a loan, if the loan funds are frozen due to the wrong card number of the receiving bank card, the customer can contact the staff of the lending institution and platform to explain the situation and then provide the corresponding identification. After inspection, the staff should be able to unfreeze the loan funds.
Sometimes, when a customer applies for a loan, he is prompted by the system that the card number is wrong to freeze the funds, but when he inquires, he finds that the card number is not wrong, so the customer can also contact the staff of the lending institution and platform as soon as possible and ask the other party to unfreeze the loan funds as soon as possible. However, it should also be noted that some loan platforms may be intentional in order to make customers pay a certain thawing fee.
In this regard, customers are advised not to pay. Everyone should understand that any licensed financial institution approved by the CBRC will not charge customers any residual fees before issuing loans. After the loan is issued, interest will be charged mainly according to the contract or part of the handling fee generated by the loan term, such as prepayment handling fee, etc., and the rest fees will not be charged. Everyone should beware of being cheated so as not to lose money.
When applying for online loan, I filled in the wrong card number due to my own reasons, resulting in abnormal freezing of funds. To tell the truth, even in this case, you should repay the loan as agreed. After all, you signed the agreement, and it is your personal reason to fill in the wrong card number. At this time, you should negotiate with the lending institution to see if you can unfreeze your card number and transfer the corresponding loan to another bank card.
Legal basis: Article 48 of the Banking Supervision Law of the People's Republic of China. If a banking financial institution violates laws, administrative regulations and the relevant provisions of the state on banking supervision and management, the banking supervision and management institution may, in addition to punishing it in accordance with the provisions of Articles 44 to 47 of this Law, take the following measures according to different situations:
(1) Ordering banking financial institutions to impose disciplinary sanctions on directors, senior managers and other directly responsible personnel;
(2) If the behavior of the banking financial institution does not constitute a crime, the directors, senior managers and other directly responsible personnel who are directly responsible shall be given a warning and fined between 50,000 yuan and 500,000 yuan;
(3) To cancel the qualifications of directors and senior managers who are directly responsible for a certain period of time up to life, and prohibit directors, senior managers and other directly responsible personnel from engaging in banking work for a certain period of time up to life.