Regular deposits inexplicably change the fund consolidation committee mediation and recovery loss

The old man deposited 50,000 yuan in a regular deposit in the bank, and was told that he could only get 42,000 yuan when he withdrawn. Recently, the Consumer Rights Protection Commission of Bengbu City, Anhui Province, successfully mediated financial consumption disputes of the elderly, recovering economic losses for consumers, Mr. Zhang.

On June 6, this year, Mr. Zhang and his children went to Bengbu City Consumer Protection Commission to complain, saying that he deposited 50,000 yuan in a bank in the city in 2018, , The bank staff contacted Mr. Zhang by phone to introduce a higher -income deposit for him, and at the same time, he can also use it. Mr. Zhang felt that the bank staff was very enthusiastic, thinking about it everywhere, and agreed. On June 1 this year, Mr. Zhang had to use money because of something at home. He went to the bank to withdraw money, and he was told that he could only get about 42,000 yuan. Obviously it is 50,000 yuan regularly. Why is there only 42,000 yuan? It turned out that bank staff did not deposit 50,000 yuan for Mr. Zhang, but purchased fund products issued by the bank in full. Due to the recent domestic stock market conditions, the fund has suffered losses. The two parties have failed to negotiate many times.

The staff of the Consumer Protection Commission organized both parties to mediate. The bank can provide evidence that Mr. Zhang is allowed to ask Mr. Zhang to buy the so -called floating income product. It cannot provide evidence that consumers may have lost money to buy this financial product; Related evidence such as full recording and video materials when buying wealth management products. The Consumer Protection Commission believes that the bank's behavior violates national financial relevant laws and regulations and must bear responsibility.

In the end, after mediation by the Bengbu City Consumer Protection Commission, the two parties voluntarily reached a settlement agreement: Bank returned Mr. Zhang's 50,000 yuan principal in full, and at the same time compensated Mr. Zhang's corresponding gifts according to the interest rate of one -year deposits.

Ding Cheng, the person in charge of the Bengbu City Consumer Protection Commission, said that in recent years, the financial disputes over the elderly have frequently occurred, and the situation that Mr. Zhang encountered is not an example. To induce deposits to buy wealth management products, open credit cards ... Faced with strong professional and variety of financial products and services, the elderly are limited, risk awareness and right to defend rights, and they will fall into the trap if they are not careful. When selling financial products, the staff of financial institutions must fully inform and prompt risks beforehand that they cannot drill their weak financial knowledge for the elderly.

The Consumer Protection Commission of Bengbu reminds elderly consumers that when choosing financial management services, we must not just listen to the verbal introduction and commitment of relevant staff. When conducting large deposits or financial management, it is best to bring their own adult children and bear it according to their own risks Power chooses that suitable for your own financial products. Once your equity is infringed, call 12315 to defend his rights in time.

Produced by Chinese Consumer Newspaper New Media Editorial Department

Source/China Consumer News · China Consumer Network

Author/Tao Wei

Edit/Duke

Supervision/He Yongpeng Ren Zhenyu

- END -