On social platforms, if you see a post that claims to help you reduce repayment, repair credit information, and repair overdue, don't believe it, it is likely that after paying money and giving personal information, not only will you not be able to do so, but you will also face risks such as fraud, loss of funds, credit damage, and legal proceedings.
Recently, Chongqing Ant Consumer Finance and Zhaolian Consumer Finance Co., Ltd. reported clues to the public security organs, successfully cracked a local corporatized rights protection intermediary, arrested more than 10 related suspects, and seized a large number of counterfeit materials and mobile phones and other crime tools on the spot.
Since August 2022, the above-mentioned suspects have been soliciting customers under the slogan of protecting consumer rights under the slogan of protecting consumer rights on social **, using false complaints and other means to impersonate more than 1,000 consumers to apply for negotiation reduction and reduction of repayment from Ant Money, Zhaolian Company and other institutions and enterprises, totaling more than one million yuan in illegal profits.
We have observed that consumers who choose to 'defend their rights' illegally are exposed to multiple risks. Not only is it easy to cause financial losses, but personal information may be leaked and illegally used. Yin Chao, head of Ant Money's customer service and consumer protection department, said.
Nowadays, the chaos of rights protection is almost a common "pain point" faced by the bank, retail finance and consumer finance industries. The use of false methods to protect rights**, and malicious complaints after the failure of negotiation has almost become the standard process of "** rights protection", which has squeezed out a large number of channels and resources for consumers to protect their rights normally.
Ant Finance attaches great importance to the protection of consumer rights and interests, and encourages users to report problems to the company through legal and compliance channels. Yin Chao said.
Pain points and along with the difficulties.
At present, the black industry of "first-class rights protection" is gradually developing from the initial individual stage to the industrialized operation stage, the number of employees is growing rapidly, and the first-class rights protection methods are more hidden. It is difficult to identify the black and gray industry, it is difficult to locate and crack down on gangs, and it is difficult to control the source of the black industry.
In November 2023, Ant Consumer Finance and Zhaolian officially launched a pilot cooperation on joint governance of the black industry. In this case, the effective use of artificial intelligence technology and the close cooperation of financial institutions and law enforcement agencies are the keys to the successful "sniping" of the black industry of rights protection, which forms an effective deterrent to lawbreakers and may become a model for accurate "sniping" of the black industry.
The identification of black and gray products is the basis for obtaining clues to the case. Through multi-mode perception technologies such as tamper detection, text repeatability detection, and key element authenticity verification, Ant Consumption Gold has greatly improved the efficiency of illegal identification.
Gang positioning and efficient crackdown are the difficulties in cracking cases. Through trusted data interaction and mining by using knowledge graphs and other methods, Ant Spending and Zhaolian successfully located the company and assisted the public security authorities in successfully arresting the suspect.
In the future, Ant Consumer Finance will continue to protect the legitimate rights and interests of financial consumers, continue to explore joint prevention and co-governance of the black industry with its peers, explore the identification standards of the financial black and gray industry, establish an information sharing mechanism for the list of black and gray industries in the industry, handle malicious complaints according to the same scale, and continue to work with the public security organs to crack down on illegal black industry fraud, so as to achieve the goal of joint prevention and co-governance of the black and gray industry.