Under the complaint, Tonglian Payment responded that users are advised to pay attention to the official account of "Tonglian Payment" WeChat for online consultation and provide accurate transaction information to locate merchants.
Ms. Li said that on June 7, 2020, the bank card 65438 was deducted by Xiaotong Mall and Shanghai Jiading Tonghua Small Loan Company for a total of 9384 yuan. Later, after communicating with customer service, she found that one of the deductions was Didi Financial Repayment, but the Didi Financial page did not show repayment.
Ms. Zhang also said that 65438+ was charged by Xiaotong Mall on122. After contacting the customer service, she learned that Tonglian Payment was actually a singular charge of Flash Silver, and the customer service of Flash Silver responded that there was no cooperation with Xiaotong Mall and Tonglian Payment.
A number of complainants also reported that after inquiry, some deductions were consistent with the cash loans they borrowed. Contact the customer service of Tonglian Payment in Xiaojin Times, and the customer service will display the name of Xiaotong Mall in response to the general collection and withholding.
In other words, the above deduction behavior is actually a cooperation between Tonglian payment and cash loan, and the beheading interest or repayment withholding is carried out in the name of Xiaotong Mall. According to the complaints, Tonglian Payment charges beheading interest for platforms such as useful installment, borrowing, installment music and small win card loan.
It is worth noting that some complainants claim that the deduction amount is inconsistent with the deduction amount displayed on their cash loan App page.
Enterprise investigation shows that Tonglian Payment was established in June 2008 with a registered capital of 65.438+0.46 billion yuan. Established by China Wanxiang Holdings Co., Ltd. and new china life insurance co Co., Ltd., the payment business covers Internet payment, bank card receipt (nationwide), fixed telephone payment, prepaid card issuance (Shanghai, Beijing, Jiangsu, Guangdong and Shanxi provinces) and prepaid card acceptance (nationwide).
At present, Tonglian has paid 222 legal proceedings, including 86 judgment documents. At the beginning of 2020, Tonglian Payment was fined 440,000 yuan for violating the relevant provisions of the Measures for the Administration of Payment Services of Non-financial Institutions and the Measures for the Administration of Bank Card Acquisition Business. The data shows that since 20 14, Tonglian has been punished by the central bank many times, and the accumulated fine exceeds150,000 yuan.
Tonglian Payment obtained the payment license on May 3, 201,and successfully renewed it on May 3, 20 16. At the same time, Tonglian Payment merged the payment business of Tonglian Business Service Co., Ltd. and concurrently served as the vice president of China Payment and Clearing Association. However, it is worth noting that 34 payment institutions have had their licenses cancelled due to business violations.
Tonghua Small Loan Diversion Anti-aircraft Gun Platform
According to the data, Tonglian Payment owns Shanghai Jiading Tonghua Microfinance Co., Ltd., Shanghai Tonghua Commercial Factoring Co., Ltd. and Tonghua Fortune (Shanghai) Fund Sales Co., Ltd., which has a huge financial map.
Tonglian Payment has an App Tonglian wallet and children's life for individual users.
According to the membership agreement of Tonglian Wallet, the user's registration in Tonglian Wallet means that he agrees to open the payment agreement. It is pointed out in the article that "once you use this service, you will authorize our company to pay the money to your designee or collect the money paid by your designee when you and/or your designee meet the specified conditions or status". The text of the protocol is so dense that it is difficult to find important information. Based on this, it is speculated that some users inadvertently clicked on a similar agreement for withholding when borrowing money, resulting in the deduction of fees.
Tonglian wallet is divided into three sections: social life, smart products and smart finance. Official website shows that Tonglian Wallet provides more than 3.9 million transactions to more than 2 million merchants in China every day, and by the first half of 20 18, its registered users exceeded 6.5 million.
Social life is mainly used for daily payment services; Hui Boutique mainly guides mainstream shopping malls, such as JD.COM, Netease YEATION, Vipshop and Xiaomi Youpin. , but also sell their own goods; Hui Finance conducts diversion for funds, online loans and insurance.
The online loan product recommended by Tonglian Wallet is a paid loan with a maximum amount of 300,000 yuan. In the era of eliminating gold, I tried to open it and check the details, showing that the paid loan service has been suspended. Earlier, some media reported that Tonglian Payment once enjoyed product staging. At present, neither official website nor Tonglian Wallet can find this product.
In addition to Tonglian wallet, Tonghua Small Loan, a subsidiary of Tonglian Payment, also has a loan App for children's life. After logging in to the App in the Jin Xiao era, I found that the maximum amount of Xiaoyan's life on the home page was 200,000 yuan. According to the underlying information, Xiaotong Life Loan is provided by a licensed institution, and Xiaotong Life only provides information consulting services.
App shows that Xiaotong Life has guided loan products such as China Merchants Bank, quick loan, excellent loan, orange loan, 5 1 provident fund manager and orange installment.
In the era of eliminating gold, it was found that the above-mentioned Tonglian payment diversion platform also collected beheading interest and high interest rate.
Among them, some users complained that during 20 19 and 1 1, they applied for 6,000 yuan on the lending platform, and when they got 4,800 yuan, they were charged a handling fee of 1200 yuan, which was divided into 12 installments, and the repayment in each installment was close to that in 700 yuan. According to IRR calculation method, the annualized interest rate is close to 1 13%. Zhao Nvshi said that from 2065438 to September 2009, he borrowed 6,000 yuan from Orange Loan, which was repaid in six installments, with a monthly repayment of 1 107.4 yuan. According to the calculation method of internal rate of return, the annualized interest rate is 66.7%.
In addition, the information shows that Tonghua Small Loan used to have products such as concentric card loan, revolving card loan, random loan, interest loan and Didi loan, but at present, other products can't be found except Didi loan.
Tick-tock loan shows that consumer finance in Yin Chang, Shaanxi provides loan services. In other words, at present, Tonglian payment does not lend directly through Tonghua small loan, but mainly does diversion business.
A wide range of business, with multiple licenses.
In fact, Tonglian Payment has obtained a fund sales license, a small loan license and a commercial factoring license. Official website shows that its business layout is quite extensive.
In addition to the Unicom wallet and Xiaotong life for individual users mentioned above, there are many services for B-side.
For example, for merchants, Tonglian Payment launched the cashier treasure of the merchant's comprehensive payment service platform; Small, high-frequency light payment collection tools pay in person; Xiaotong automobile, assistant manager of automobile service shop; Connect IPAY to meet the collection needs of small and micro businesses; The collection platform of integrated financial services is easy to pay.
Business cloud, an open platform for enterprises to provide virtual account system; Wan Baoxiao, a financial management tool, Wan Baoxiao, an application welfare service to solve salary and benefits, and Wanjia Community, a smart community cloud service platform.
Provide insurance technology tools services to financial institutions, provide payment and settlement services to fund institutions, and provide comprehensive cardholder services to financial institutions.
Among them, Xiaotongrong E mainly provides services for consumer financial products, and there are many cooperation modes, such as complete product output, accurate push, advertising marketing, store display and payment services. There are products such as "Xiaotong installment cashier", "Rong E installment mall" and "Rong E loan super".
According to the user's demand for installment products, children's installment cashier sets up five categories: education, automobile, medical beauty, decoration and renting, and provides payment services for different scenarios; Rong e staging mall helps offline merchants transform O2O and accurately market diversion; Financial e-loan super-integrates capital channels to do marketing for loan products.
At present, Tonglian Payment has cooperated with New Network Bank, Ping An Bank, Pu Tian Education, Xuebajun, Bangkao.com, Haifeng Education, Hui Learning and other institutions.
According to insiders of Tonglian Payment, due to the huge business, Tonglian Payment has not docked cash loans in terms of total business volume, and its supervision has become stricter. In the middle of last year, it began to stop docking cash loans. If it is docking, it is mainly to cooperate with the licensee.