text/Fei Fan beacon
Golden Pig has blessed, this online loan APP, from the beginning of March, began to have a large number of complaints, until now, there are still complaints and exposures from victims!
As we all know, the routine loan in the form of anti-aircraft guns is playing the game of drumming and spreading flowers . It needs to be continuously received by a platform before it can continue to play. Or only a wealthy owner can copy dozens of online loan platforms. These dozens of online lending platforms play the game of drumming and spreading flowers, smashing the bones of the victims of routine loans! The most important thing about
is that the financial market is wailing at this very time, and most of the regular platforms are reluctant to borrow money, that is, if there is no platform for receiving the market, there are not enough players, the game of drumming and passing flowers cannot be played!
What should I do? Can only purely play routines!
These routines can no longer be reaped. Loan brother, because after more than a year of crackdown, Loan brother reached a consensus: Routine loan is illegal and you don’t need to pay it back.
However, there are always many law-abiding people who do not know and cherish their credit. Therefore, they will be fooled by routine loans! Below
, Xiaofei uses the information provided by the whistleblower to review all the routines of the Jinzhuyoufu online loan platform.
routine 1
compulsory payment
I don’t know where the victim downloaded the Golden Pig Fortune Online Loan APP. The strange thing about this APP is that as long as you fill in your personal information, you will be released without your consent. You I don't know the relevant information such as loan interest rate and loan term, which means that I will force you to make a payment without your knowledge.
When you react, check it on the Jinzhuyoufu online loan APP, you will be dumbfounded immediately. Jinzhuyoufu has a loan amount of 3000, 1560 to the account, and an annualized interest rate of 6738%.
routine 2
refund cancellation
God, the annualized interest rate is 6738%. Most people can't accept it, and immediately thought of contacting customer service. The customer service of
said: “If you don’t continue to use it, you can cancel the account by returning the next principal."
If the principal can be returned, the victim’s first choice is to return the principal. It was written off. The process of
customer service to provide account cancellation is: online banking transfer, open the online banking transfer to the public financial account below (Alipay is not supported), remark the name + the last four digits of the mobile phone number, after the payment is completed, take a screenshot to the customer service, and the customer service handles the account cancellation service. Victims of
have a high level of vigilance, and personal data must be destroyed after the account is cancelled.
customer service promise: yes.
According to the requirements of the customer service, the victim returned the principal of the next payment to the public account provided by the customer service, and the successful return was shown.
Then, screenshot the successful transfer to customer service.
routine 3
customer service is weirdly out of touch
When you complete the operation according to the customer's requirements, what you are waiting for is not an account cancellation message.
but, obviously you have returned the principal of the next payment, but you have not successfully written off the account.
customer service informs: Please repay it again, the remarks are correct, and then return the failed repayment just now.
At this time, the customer service was strangely lost.
z7The z
customer service page shows: this communication has ended.
If you return the next principal again according to the requirements of the customer service, Xiaofei tells you that the previously failed 1560 yuan will not be refunded to you, and the cancellation will not succeed. You will be in vain how many times you try, because This is an endless loop of "sunk cost" routines.
According to the victims, there are really victims in this "sunk cost" routine endlessly looping.
Routine 4
WeChat and QQ repayment
You think everything is over, but when the date is due, the platform will notify you of the payment, and the victim will not accept such a high interest.
So, the victim added QQ, and the victim stated that he had already repaid the next principal, but the platform did not write off the account. The
platform told the victim that he had been scammed, and then sent the victim a private account for the victim to repay. The
platform did not give recognition, and sent another private account using WeChat to allow the victim to continue the transfer.
As a result, the platform was still shameless, and used QQ to send another private account to let the victim continue to transfer money. The
platform is constantly changing the bank card number for repayment. No matter which account is used for repayment, the account cannot be successfully written off in the end. The
routine 5
cannot be returned manually to
. In this way, the victim’s money is hit, and the platform just doesn’t write off the account.
This means that the previous QQ and WeChat repayment cycle is a scam. The victim's money has been squandered, and the platform just does not write off the account.
also sent the following repayment bill.
asked the reason, then the platform customer service told me that it cannot be returned manually. The victims of
repeatedly complained that the principal had been returned, and the manual transfer was not recognized or written off. The
platform promises: the money transferred manually will be automatically returned to the victim by the system.
However, the victim no longer believes in the nonsense of platform customer service.
Routine 6
The principal cannot be cancelled. The
platform has not let the victim go and has been entangled. The
platform informs the victim that the principal is not authorized to write off the account. Because of the platform's regulations, the loan needs to be repaid 2900 yuan on the day of repayment (the first borrowing includes the comprehensive cost in it), and the payment is due or the next day, and the repayment is 3040 yuan, which can be processed in the APP. The victim of
said: no more repayment. And add: If the platform is formal, then go to the police and file a case.
Faced with the unreasonable entanglement of the platform, the unbearable victim made it clear that he would no longer repay.
finally blocked the victim.
routine 7
overdue interest rate hike
Do you think the customer service will black out the victim, and everything endsIs it tied? After the customer service of the
platform blocked the victim, the platform showed: Overdue, the last repayment date: 18:00 on April 9, 2020, the repayment amount has also changed from 3040 yuan to 4240 yuan.
only took a few minutes, and the interest rate was increased by 1,200 yuan overdue.
is simply grabbing!
routine 8
violent dunning
customer service provided the victim with a private account and said that after the payment was paid off, he would immediately receive a clear SMS notification.
Of course, the victim no longer believes it. The platform began to intimidate the victims and used the victim's address book to coerce the victims to repay. The victims of
joined a "Golden Pig Youfu Online Loan Victims Group". There are more than 300 people in the group, and they are all victims of "compulsory payment".
Nowadays, Jinzhuyoufu is not borrowing 1560 yuan to return 3000 yuan, but borrowing 1800 yuan to return 3000 yuan, which is a little bit higher.
According to one of the victims, in order to threaten the victim to repay, the platform actually threatened to publish the victim's photo, saying that the victim was a "miss" and a "minor".
routine 9
paid off and continued to force the next payment
According to the victims in the group, some victims have returned 3000, and the platform will ask you for another 3000.
There is a more gruesome operation, after the payment is paid, the account is cleared, and then the platform continues to force you to pay, and after the payment is paid, the amount of the payment is increased, which also means that you need to pay more.
This is an endless loop of bottomless pits!
, the unbearable and desperate victim, finally went out of the way of reporting: on the grounds of loan sharking, fraud, loss of customer service, threats, intimidation, and improper handling of customer service, Jin Zhu Youfu was reported on the black cat platform and Ju Complaint. Is it useful to report
?
As far as Xiaofei knows, the earliest complaint from Jinzhuyoufu on the Black Cat platform was March 5th. At that time, the black cat platform gave the reply: The merchant you complained about Jinzhu Youfu has not settled on this platform, we will help as soon as possible If you look for a business and promote its handling of complaints, please keep your mobile phone open and pay attention to official information pushes.
Jinzhuyoufu routine loan platform, pure play routine, compulsory payment, not paid, unclear, endless loop, it is a bottomless pit.
From the current perspective, the platform for negotiating the withdrawal of loans will not work, and the path of gathering complaints and black cat complaints will not work, so there are only two ways for victims to go: One is to report to the relevant local financial supervision department; It is to collect evidence and report to the public security department, police station, and economic investigation department.
