First, understand the complaint channels.
When encountering online loan problems, such as high interest rates, violent collection, fraud, etc. Consumers must first understand the complaint channels. Calling the hotline 12378 is an effective way to provide consumers with a convenient and fast complaint platform.
Second, prepare the complaint materials
Before calling the hotline 12378, consumers should prepare relevant complaint materials, including online loan contracts, transaction records, collection records and communication records. These materials help staff to understand the ins and outs of the problem and provide more accurate help to consumers.
3. Call the hotline 12378.
Consumers can call the hotline 12378, follow the voice prompts, select the corresponding complaint type and describe the problem. The staff will listen carefully to consumers' complaints and record relevant information.
Fourth, wait for the processing result.
After the complaint is submitted, consumers need to wait patiently for the result. China Banking and Insurance Regulatory Commission will conduct investigation and verification according to the complaint materials and information provided by consumers, and give handling opinions as soon as possible.
Verb (abbreviation for verb) defends one's rights and interests.
If consumers are not satisfied with the results, they can further report the situation to relevant departments to safeguard their rights and interests. At the same time, consumers can also seek legal aid to solve disputes through legal channels.
To sum up, consumers can choose to call the hotline 12378 to complain about online loans. In the process of complaint, consumers should prepare relevant materials, follow the voice prompts and wait patiently for the results. If you are not satisfied with the results, you can further seek other ways to safeguard your rights and interests.
Legal basis:
Banking Supervision Law of the People's Republic of China
Article 4 provides that:
Banking supervision institutions shall conduct off-site supervision and on-site inspection on the business activities and risk status of banking financial institutions.
Law of the People's Republic of China on Protection of Consumer Rights and Interests
Article 39 provides that:
Disputes over consumers' rights and interests between consumers and business operators can be resolved through the following channels:
(a) negotiated settlement with the operator;
(2) Requesting consumers' associations or other mediation organizations established according to law to mediate;
(three) to complain to the relevant administrative departments;
(four) according to the arbitration agreement reached with the operator, submit it to an arbitration institution for arbitration;
(5) bring a lawsuit to the people's court.
Measures of China Banking Regulatory Commission on Letters and Visits
Article 5 provides that:
China Banking Regulatory Commission and its dispatched offices adhere to the principle of territorial management, graded responsibility, whoever is in charge is responsible, and the combination of timely on-site problem solving and persuasion and education.