消费者质疑网贷莫名收费 记者介入平台退费和解

Core Viewpoint - A consumer in Chengdu, Ms. Ma, reported issues with a domestic online lending platform, including unexpected "comprehensive fees" and automatic subscription to services without her consent [1][2][12]. Group 1: Consumer Complaints - Ms. Ma began borrowing from the platform in 2021, with varying loan amounts and repayment terms, noticing annualized interest rates of 24% and 36% [2][13]. - She expressed confusion over the "comprehensive fees" included in her repayments, which amounted to 2,161.28 yuan for a loan of 7,000 yuan [4][13]. - Attempts to view her loan contract were met with redirects to a third-party risk detection page, which required additional fees to access [6][8]. Group 2: Platform Response - The platform's representative confirmed that the "comprehensive fees" were calculated based on the annualized interest rate and included "interest + guarantee service fee," totaling 9,161.28 yuan for repayment [13]. - The platform agreed to refund the "membership fees" and "third-party risk detection fees" that were charged without Ms. Ma's consent, reaching a settlement [12][14]. Group 3: Industry Practices - The incident highlights potential issues within the online lending industry, such as unclear fee structures and automatic subscription practices that may infringe on consumer rights [15][17]. - Legal experts suggest consumers should thoroughly review loan contracts and be cautious of automatic renewals for services they did not explicitly agree to [15][16][17].