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, at 65438, the bank card was deducted by Xiaotong Mall and Shanghai Jiading Tonghua Small Loan Company for a total of 9384 yuan. Later, she communicated with the customer service and found that one of the deductions was Didi Finance repayment business, but the Didi Finance page did not show repayment.
Ms. Zhang also said that 65438+ was deducted by Xiaotong Mall on122. After contacting the customer service, she learned that Tonglian Payment was actually a single withholding of Flash Bank, and the customer service of Flash Bank 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 Tonglian Payment Customer Service in Gold Rush Times, and the customer service will respond that the general collection and withholding will display the name of Xiaotong Mall.
In other words, the above-mentioned deduction behavior is actually the cooperation between Tonglian payment and cash loan, and the deduction is made in the name of Xiaotong Mall, and the beheading interest or repayment is withheld. According to the arrangement of complaints, Tonglian Payment charges beheading interest on platforms such as useful installment, loan treasure, installment music and small win card loan.
It is worth noting that some complainants claim that the deduction amount does not match the deduction amount displayed on the cash loan App page.
Enterprise survey shows that Tonglian Payment was established in June 2008 with a registered capital of 654.38+0.46 billion yuan. Jointly invested 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. According to the data, since 20 14, Tonglian has been punished by the central bank many times, and the accumulated fine has exceeded150,000 yuan.
Tonglian Payment obtained the payment license on May 3rd, 201,and successfully completed the renewal on May 3rd, 20 16. At the same time, Tonglian Payment merged the payment business of Tonglian Business Service Co., Ltd., and it is also the vice president unit of China Payment and Clearing Association. However, it is worth noting that 34 payment institutions have their licenses revoked due to business violations.
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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 stated in the article that "once you use this service, you will authorize our company to pay the money to your nominee or receive the money paid by the nominee when you and/or your nominee meet the specified conditions or identities". The text of the agreement 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 to agree to withhold when borrowing money, resulting in deduction.
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, there were more than 6.5 million registered users.
Social life is mainly used for daily payment services; Hui Boutique mainly guides mainstream shopping malls, such as JD.COM, Netease YEATION, Vipshop, Xiaomi Youpin, etc., and also sells its 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. During the gold rush, I tried to open it and check the details, showing that the service of paid loans had been suspended. Earlier, some media reported that Tonglian paid for products that had enjoyed installment payment. At present, neither official website nor Tonglian Wallet can find this product.
In addition to Tonglian wallet, Tonghua Small Loan paid by Tonglian owns loan App Xiaotong Life. After logging in to the App in the golden age, I found that the children's life on the homepage showed a maximum amount of 200,000 yuan. According to the underlying information, the loan of Xiaotong Life Insurance is provided by the licensed institution, and Xiaotong Life Insurance only provides information consulting services.
App shows that children's life guides loan products such as China Merchants Bank, quick loan, excellent loan, orange loan, 5 1 provident fund housekeeper, and orange installment.
In the era of eliminating gold, it was found that the above-mentioned Tonglian payment diversion platform also had the phenomenon of charging beheading interest and high interest rate.
Among them, a user complained, 20 19,1,and applied for 6,000 yuan on the excellent lending platform. When he got 4,800 yuan, he was charged a handling fee of 1200 yuan, which was divided into 12 installments. The repayment in each installment was close to that in 700 yuan, and the final repayment was nearly 8,000 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 RMB 6,000 from Orange Loan, which was repaid in six installments, with a monthly repayment of RMB 1 107.4. According to IRR calculation method, the annualized interest rate is 66.7%.
In addition, the data show that Tonghua Small Loan used to have concentric card loans, revolving card loans, random loans, interest loans, Didi loans and other products, but at present, no other products can be found except Didi loans.
Tick-tock loan shows that consumer finance in Yin Chang, Shaanxi provides loan services. In other words, at present, Tonglian payment does not directly lend money through Tonghua small loan, but mainly does diversion business.
Wide business scope, 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 children's life for individual users mentioned above, there are many B-side services.
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; Auto Service Shop Management Assistant Xiaotong Auto; Connect IPAY to meet the collection needs of small and micro businesses; The collection platform of comprehensive 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.
For financial institutions, provide insurance technology tools services, provide payment and settlement services for fund institutions and provide comprehensive cardholder services for financial institutions.
Among them, Xiaotongrong E mainly provides services for consumer financial products, with various cooperation modes, including complete product output, accurate push, advertising marketing, store display and payment services. There are products such as "children's installment cash register", "e-installment shopping mall" and "e-loan super".
Children's cashier by stages, according to the user's demand for staged products, set up five categories: education, automobile, medical beauty, decoration and renting, and provide payment services for different scenarios; Rong e staging mall helps offline merchants transform O2O and accurately guide the market; 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 the supervision has become stricter. In the middle of last year, it began to stop docking cash loans. If it is docked, it is mainly to cooperate with the licensee.