1. Complaints about loan contents

If the borrower encounters violence or soft violence, he can directly call the complaint hotline of the loan applicant to report it.

According to the regulations, online lending institutions need to restrain the collection methods of collection personnel. If the means of collecting personnel are too violent and radical, it may affect the image of online lending institutions themselves. Therefore, most online lending institutions have restrictions and regulations on the collection methods of collectors.

In addition, you can comment on the other party's official blog and official micro-blog, or you may be accepted because of the influence.

2. Complaints from Internet offices

This is an organization that can complain all over the country, mainly against some bad information and behaviors on the Internet. For example, the borrower's address book is exploded, and family and friends are madly contacted by the collectors. You can directly complain to the Internet Office.

Complaints from the Internet Office can be made by phone or offline.

3. Complaint telephone number 1232 1

It is a hotline for reporting bad networks and spam. In case of personal privacy leakage and harassment of relatives and friends during the collection process, you can call this hotline for feedback. If the borrower wants to report success, he can try to force his income by violence.

4. Complaints from public relations agencies

Borrowers can collect screenshots and recordings of threatening short messages, telephone abuse and other related information sent by collection agencies, and then go to the local public security organ for the record. Most public security organs will contact online lending platforms or collectors to give warnings.

5. Complaints from CBRC

China Banking Insurance Regulatory Commission supervises most financial institutions. Before reporting, the borrower had better collect some relevant evidence that the loan software is illegal.

For example, recordings and screenshots of violent collection; High interest and penalty interest charged in the loan contract; Evidence of excessive invasion of personal privacy in loan application, etc.

If you are involved in serious violent collection such as beating, detention, beating, smashing, looting, insult, injury, etc., you can call the police directly, and it is recommended to keep relevant evidence. Audio and video recordings can be provided if conditions permit, and injury examination is required if necessary. You can also make complaints through the complaint platform. The parties can also call the police directly and solve the problem through the police. According to relevant laws and regulations, illegal collection is a violation of public security management, and can be detained for up to 5 days or fined for up to 500 yuan according to law; If the circumstances are serious, they shall be detained for more than 5 days 10 days, and may also be fined up to 500 yuan.

Second, in order to improve the effect of complaints, avoid getting twice the result with half the effort and make reasonable complaints. When you complain, you will only scold or complain about violations, and it is difficult to have good results. In order to effectively complain, we should do the following:

1. Explain the situation in detail: When and under what circumstances did you encounter illegal collection, and what harm and adverse effects did it cause? You should explain the relevant situation in detail to avoid improper use of words.

2. Provide relevant evidence: In case of illegal collection, save SMS screenshots, telephone recordings (complete without editing), pictures of the victim, the other company, work number and other relevant evidence and provide them to the complaint platform, which is very harmful to illegal collection.

3. Repeated complaints: The complaint platform receives a large number of complaints every day. In order to avoid invalid complaints, you can complain several times a day or continue to complain the next day.

Three. The illegal collection acts are as follows:

1. If you make harassing calls to relatives and friends in the borrower's address book more than once without the borrower's permission, use illegal software SMS to bomb the borrower's mobile phone number;

2. The borrower calls more than 3 times within one day after the deadline;

3. The borrower's overdue collection is not within the time period from 8: 00 am to 9: 00 pm;

4. Disclosure of personal information of the borrower (such as ID photo, photo of life, home address and other personal information);

5. Collection by threatening or intimidating the borrower;

6, to the borrower's home or work unit collection caused serious damage to personal reputation;

7. Pretending to be the staff of state law enforcement agencies to intimidate and violently collect borrowers and other illegal acts;

8. Induce borrowers to borrow from other platforms to repay the loans of this platform;

9. Use illegal software SMS to bomb the borrower's mobile phone number;

10. The overdue fee is higher than that of China Bank.

Legal basis:

People's Republic of China (PRC) Public Security Administration Punishment Law

Article 42 Whoever commits one of the following acts shall be detained for not more than five days or fined not more than five hundred yuan; If the circumstances are serious, he shall be detained for more than 5 days 10 days, and may also be fined up to 500 yuan:

(1) writing threatening letters or threatening the personal safety of others by other means;

(2) publicly insulting others or fabricating facts to slander others;

(3) fabricating facts, falsely accusing and framing others, and attempting to subject others to criminal investigation or public security administration punishment;

(4) Threatening, insulting, beating or retaliating against witnesses and their close relatives;

(5) sending obscene, insulting, intimidating or other information for many times to interfere with the normal life of others;

(six) voyeurism, sneak shots, eavesdropping, spreading the privacy of others.