A phone call was "bought insurance"!Dedeled deduction, someone was deducted more than 10,000 yuan in 4 years?Intersection

Mr. Qian, a citizen, reported to "Xinmin Helong Nong" that he "purchased" an insurance without knowing and not signing any agreement without signing any agreement. Deduction.

How did such outrageous things happen? The reporter of the Xinmin Evening News "Xinmin Helong Business" found in the survey that many people have encountered "God operations" similar to "buy insurance" and "deduction".

A period of recording

Credit card is deducted

Mr. Qian told Jun Jun that he received a call from a Credit Card Center of China Merchants Bank. Since he is a credit card user of the bank, he did not feel that the phone was abnormal at the beginning.

The customer service staff asked my recent card situation, and started a recording after a few minutes of conversation. Afterwards, I remembered that this recording was a bit strange. Its speed is fast, so that you can hear every sentence, but you can't understand the specific meaning. My brain seems to be stuck and cannot be reacted normally.

Mr. Qian received the phone number of China Merchants Bank Credit Card Center

Just between Mr. Qian's "confused", the recording was finished. Mr. Qian didn't understand what the other party played, and hung up the phone.

I heard the phone in the clouds in the clouds. The only sober thing was that I had not "agreed" something.

However, in the early morning of the next day, Mr. Qian's credit card showed 484 yuan to buy an insurance called "Kang Yi Wuyou".

Credit card display deduction 484 yuan is used to buy insurance

Inexplicable call

One after another

What kind of insurance product is this? Mr. Qian was surprised after receiving the deduction information. He learned through the Internet search that "Kang Yi Wuyou" belongs to Hua'an Property Insurance Co., Ltd. Help Jun on the "Transaction Details" page saved by Mr. Qian to see the words "Kang Yi's first monthly payment".

Mr. Qian's call record shows that the phone he received from the 400s he received, and the mobile phone system automatically recognized the "China Merchants Bank Credit Card Center". Help Jun Baidu search for inquiry that the 400 phone number is indeed from China Merchants Bank Credit Card Center.

Mr. Qian contacted Hua'an Insurance. After negotiation, the other party agreed to surrender. Later, Mr. Qian received a refund of 484 yuan. However, what was shocked by Mr. Qian was that he recently received similar sales insurance telephones from other banks, and he immediately hung up.

Receive 484 yuan refund

Insurance

Platform big waves

Mr. Qian was inexplicably bought insurance. This kind of thing sounded a bit outrageous, but helped Jun search and found that there were many similar cases.

▶ On the Black Cat Consumer Service Platform, helping Jun saw that some citizens complained that China Merchants Bank's credit card handles insurance for customers without customer permission. The amount has reached 11508 yuan.

Insurance is handled without knowing it, and I did not provide a policy for my signature.

The citizen stated that he proposed a refund but difficulty, and banks and insurance companies pushed each other.

I can't get the evidence of the purchase of insurance, and I will not refund it in full.

▶ Some users mentioned:

It was found that the bill was discovered that since September 2021, China Merchants Bank automatically deducts the "brush insurance" every month, but has never taken the initiative to buy insurance, and China Merchants Bank has not deducted it without prompting the purchase.

Related complaints

▶ Another user posted:

China Merchants Bank's credit card calls to sell insurance, and the insurance is opened and deducted without my consent.

Related complaints

▶ And users report:

(China Merchants Bank) Customer service said that before the opening, I asked my opinion. I was convinced that I had never promised to apply for any insurance, and I had not signed on any policy. Under the circumstances, Hua'an Insurance joined forces to join the China Merchants Bank, and deduct 334 yuan for myself every month!

It said that the customer service commissioner agreed that the user was informed and agreed, and did not agree to refund the total amount.

Related complaints

Confused

Don't nod

In the absence of written authorization and consent, how does the bank help customers buy insurance products? Help Jun consulting people in the relevant banking industry.

According to reports, the relevant cases involve a "electrical" business model. Strictly speaking, this model is a sales method for filed and allowed by the Banking Regulatory Commission. Its operation is easy to facilitate the cooperation and development business of banks and insurance companies. But according to the regulations of the CBRC:

■ When the bank promotes the electricity sales insurance business, the relevant products need to be clearly introduced on the phone. Customers need to clearly make "agree" and "confirm" and other answers;

■ Do not allow banks to "guide answers" and not allow customers to "vaguely answer";

■ If there are violations, the CBRC will punish banks from the perspective of the protection of the rights and interests of financial consumers.

The other party said that such insurance sales methods are generally positioned in insurance with low insurance. After the "phone confirmation authorization", the bank can implement deductions. In order to prevent some consumers from "mistakenness" and "buying" and "mistakenly buying" in the case of "confused", the bank has a high degree of tolerance for the retirement insurance after receiving the user complaint.

Industry insiders remind:

When citizens receive the bank's telephone sales insurance business, they should have a clear attitude. Those who do not want to buy are clearly rejected. If they are swaying appropriately, they must be clearly expressed. Do not "nod" in confusion.

Help Jun dial the China Merchants Bank Customer Service Center telephone 95555. The hotline is limited to the recruit bank user dial. When choosing different classification services, you need to enter the ID number or the bank card number to confirm whether the user, otherwise it will not be transferred to the artificial customer service.Later, helping Jun dialed the Credit Card Center hotline of China Merchants Bank 4001095555, and chose to "make an appointment for manual recovery" and enter the ID number.

Honor Nong Shi Studio

Planning | Qian Junyi

Text | Chen Hao Li Yiqing

Photography | Interviewee

Edit | Qian Junyi Yao Chujie Xu Dawei

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