“全额退保”“征信洗白”不可信

Core Viewpoint - The financial regulatory authorities in China have issued a warning regarding fraudulent "agent rights protection" schemes that exploit social media platforms to mislead consumers and investors [1][2]. Group 1: Fraudulent Activities - Some organizations and individuals are creating and disseminating misleading short videos and live broadcasts related to "full refund of insurance," "debt clearance," "debt optimization," "debt negotiation," "debt replacement," "credit repair," and "investment advisory refunds" [1][2]. - These fraudulent activities often involve claims of new policies from regulatory bodies and activities from financial institutions, misleading consumers into believing in the legitimacy of these services [1][2]. Group 2: Consumer Protection Measures - The regulatory authorities advise consumers and investors to avoid believing in rumors and to obtain information through official channels such as government websites and national customer service hotlines of financial institutions [1][2]. - Consumers are warned about potential consequences of these scams, including lawsuits for "breach of contract" and information leaks, and are encouraged to resolve financial disputes through official channels or professional mediation organizations [1][2].