新京报记者调查发现，随着"考公热"持续升温催生了公考培训热，不少考生在报名公考培训后接连遭遇教材答案 错误、自相矛盾、录播课内容陈旧、退费难等糟心事。记者在黑猫投诉 【下载黑猫投诉客户端】平台上看到，华 图、大斌、中公、粉笔等不少培训机构被投诉课程质量参差不齐、教材出错、退费套路重重等问题。采访中，甚 至有学员申请退费时竟发现算完账"倒欠机构钱"。 2026年国考首次将报考年龄上限放宽至38周岁（应届硕博43周岁），这是配合延迟退休政策、优化公务员队伍结 构的重要改革，引发广泛关注。数据显示，2026年国考报考人数创历史新高，达到371.8万人，其中283.1万人参加 考试，参加考试人数与录用计划数之比约为74∶1。 "'新闻的根本属性'一题的答案竟然是'传播性'，不是公认的'真实性'，华图2026一本考编教材竟然出现了这样的事 实错误"。 考生小华报名2026公考培训后遇到了这样的误导。与此同时，考生吴婧却遇到了新的问题。 "现在马上 进入'十五五'，大斌考公录播课的老师还在讲'十三五'。" "今年3月发布的《最高人民法院关于审理预付式消费民事纠纷案件适用法律若干问题的解释》，对解决预付式消 费领域群众反映 ...

"'新闻的根本属性'一题的答案竟然是'传播性'，不是公认的'真实性'，华图2026一本考编教材竟然出现了这样的事 实错误"。 考生小华报名2026公考培训后遇到了这样的误导。与此同时，考生吴婧却遇到了新的问题。 "现在马上 进入'十五五'，大斌考公录播课的老师还在讲'十三五'。" 新京报记者调查发现，随着"考公热"持续升温催生了公考培训热，不少考生在报名公考培训后接连遭遇教材答案 错误、自相矛盾、录播课内容陈旧、退费难等糟心事。记者在黑猫投诉平台上看到，华图、大斌、中公、粉笔等 不少培训机构被投诉课程质量参差不齐、教材出错、退费套路重重等问题。采访中，甚至有学员申请退费时竟发 现算完账"倒欠机构钱"。 2026年国考首次将报考年龄上限放宽至38周岁（应届硕博43周岁），这是配合延迟退休政策、优化公务员队伍结 构的重要改革，引发广泛关注。数据显示，2026年国考报考人数创历史新高，达到371.8万人，其中283.1万人参加 考试，参加考试人数与录用计划数之比约为74∶1。 "今年3月发布的《最高人民法院关于审理预付式消费民事纠纷案件适用法律若干问题的解释》，对解决预付式消 费领域群众反映集中的卷款跑路、霸王条款 ...

爱奇艺25年会员退费纠纷，看似个例，实则戳中了预付式消费的普遍痛点。家人借优惠叠加充值的操 作，原本是平台吸引用户的营销手段，却在多年后因支付账户变更，让"可退费"的承诺沦为用户的维权 梗阻。客服一句"仅能原路退回"的僵化回应，更凸显出平台在服务设计上对用户长期权益的漠视——既 然能允许长达25年的会员绑定，就理应预设账户变更、需求调整等突发状况，而非以"流程规定"为由推 诿。 最终启动核查退费的表态，虽算及时止损，却也暴露了长视频平台在预付式服务中的短板：重拉新、轻 售后，重短期业绩、轻长期责任。对于用户而言，超长周期的会员本就带着对平台的信任，这种信任不 该因维权门槛被消耗。此次事件也给行业提了醒：优惠营销不能只画"便利大饼"，更要筑牢售后保障的 底线。平台需完善灵活的退费机制，细化账户变更后的权益衔接方案，让"放心消费"真正落地，这才是 留住用户的长久之道。 12月28日，爱奇艺官方微博发文称，关注到用户黄先生的退费诉求，已第一时间进行核查，并启动原支 付渠道退款流程。因其原账户停用，为保障其资金安全，我们将在核实收款账户与充值账户为同一人所 有的基础上，根据该用户的实际情况为其安排退费。 据河南广播电 ...

自2025年11月13日合肥"预付宝"正式上线以来，合肥高新区大力宣贯，目前动员各类经营主体（含门 店）200余家接入"预付宝"平台，涵盖零售商品销售、体育健身、美容美发、培训教育、医疗健康、汽 车养护等多行业，着力构建预付消费金"安全网"。 长期以来，预付式消费因商家能够提前收拢资金、消费者得到更大优惠，在消费市场广泛运用，但由于 商家资金挪用、盲目扩张等行为造成资金链断裂或商家倒闭等情况时有发生，预付式消费造成的消费纠 纷 【下载黑猫投诉客户端】呈逐年上升态势。2025年，合肥高新区因预付式消费产生的纠纷超3500 件、占消费纠纷近11%。"自从'预付宝'上线后，我们普通消费者在预付充值时，首先关注的是充值商家 是不是在'预付宝'里，如果不在，我就会考虑更换一家，这样充值起来才放心。"在某健身房，一位刚 刚通过"预付宝"充值的王先生表示。 转自：新华财经 "以前给公司员工发放生日蛋糕、节日慰问这些福利，总担心充值的公司倒闭、跑路。现在通过'预付 宝'来发放，充值费用被监管了起来，我们放心多了。"近日，合肥高新区某企业负责人通过"预付宝"， 为员工充值了生日蛋糕、春节慰问等福利，对合肥"预付宝"平台赞叹不已 ...

为了能留住消费者，充值预付式消费成了商家常用的营销手段。然而，充钱时笑脸迎客，服务时态度降 级，更有甚者一夜之间关门跑路，让消费者的钱打了水漂，这种现象时有发生。近年来，教培机构、健 身房、理发店、瑜伽馆等成为"老板跑路"的重灾区。有人发现，其中许多门店的闭店流程惊人的相似： 先更换法人，再搞促销活动，最后关店消失。于是，一种游走在灰色地带的职业"职业闭店人"浮出水 面…… 目前，顾某、韩某因涉嫌合同诈骗罪已被公安机关依法移送至检察机关审查起诉，林某、刘某因涉嫌合 同诈骗罪被依法采取刑事强制措施，相关案件正在进一步办理中。 近日，上海市侦破一起新型"职业闭店人"合同诈骗案，抓获顾某、韩某等4名犯罪嫌疑人，捣毁一个恶 意闭店团伙。本案涉及3家教育培训机构，涉案金额达100余万元。 教培机构突然关停 警方揪出"职业闭店人" 今年6月，上海市民肖女士向浦东分局张江派出所报案，称此前买课的一家儿童美术培训机构突然关 停、实控人失联。今年4月，她与这家机构签订21250元购买150节大课包的合同后发现，原有户外写 生、节日手工等活动被取消，销售人员和老师陆续离职，1对1课程也被安排到了大课。后来才得知，该 机构已经转由 ...

合肥市近日推出的"预付宝"，将消费者办理会员卡的预讨资金直接划入银行监管账户，实现"消费一笔、划转一笔"的机 制，消费者还可以实时查询余额与消费记录。这一由政府主导、基于数字技术的社会治理创新，既为消费者设立了一个 预付资金的"保险箱"，也显示政府角色正从事后补救的"消防员"，转变为主动构建市场信任生态的"护航员"。这种角色 的转变，为互联网时代政府优化营商环境、提振消费信心提供了新思维和新路径。 扩大内需、提振消费已成为我国增强经济内生动力的重要举措之一，这就必须首先解决类似预付式消费风险这样的具 体"痛点"。目前，预付式消费乱象主要集中在餐饮、健身、教育培训等刚需领域，其不仅直接打击了消费者个体的消费 意愿，更破坏了行业竞争环境、扰乱了市场秩序，进而严重侵蚀了整体的消费信心。合肥推出"预付宝"的创新实践提示 我们：在互联网时代，要优化消费环境，政府就必须深化与数字治理的有机融合，以治理智慧的"小切口"来破解消费领 域的"大问题"。政府角色应从"消防员"转为"护航员"，如此才能用精准的监管筑牢信任的防线，从而培育出更具韧性、 更富活力、也更值得信赖的消费新生态，为扩大内需、提振消费提供坚实的支撑。 合肥经开 ...

Core Viewpoint - The recent "Double 11" shopping festival has led to a surge in the sales of prepaid travel products, with consumers sharing significant savings on hotel stays and flight tickets, although there are notable issues regarding the terms and conditions of these products [1][2]. Group 1: Consumer Behavior - Consumers are actively purchasing prepaid travel products, such as hotel stays and flight tickets, to save money compared to direct bookings, with some reporting savings of nearly 1,000 yuan on hotel packages and over 600 yuan on flight tickets [1]. - Many consumers are waiting to confirm their travel dates and destinations before redeeming these prepaid products, indicating a trend towards planning ahead [1]. Group 2: Issues Identified - A survey by the Zhenjiang Consumer Association revealed that while prepaid travel products are cheaper, they come with various issues, including unclear usage rules, limited availability, and unexpected price increases during peak times [1][2]. - Consumers have reported difficulties in booking discounted hotels and strict restrictions on using flight and hotel vouchers during holidays, leading to dissatisfaction [1]. Group 3: Recommendations for Consumers - Consumers are advised to choose reputable e-commerce platforms and merchants with complete business qualifications and good after-sales service when purchasing prepaid travel products [2]. - It is recommended that consumers carefully read product descriptions, refund conditions, and usage rules, and opt for products that allow for easy cancellation and automatic refunds upon expiration [2]. Group 4: Recommendations for Merchants and Platforms - Merchants are urged to ensure transparency regarding product applicability and to adhere to their commitments once a sale is made, avoiding last-minute restrictions or price hikes [3]. - E-commerce platforms should enhance their scrutiny of merchants' qualifications and promotional rules, taking necessary actions against any violations to protect consumer rights [3].

Core Insights - The report from the Sichuan Consumer Rights Protection Committee indicates a significant increase in consumer complaints related to education and training services, which accounted for 7.35% of total complaints in Q3 2025, marking a year-on-year increase of 3.53 percentage points, the highest among service categories [1] Group 1: Complaint Statistics - A total of 17,758 complaints were received by consumer committees in Sichuan during Q3, with a resolution rate of 72.67%, recovering economic losses of 5.92 million yuan for consumers [1] - The top three complaint categories were quality issues (5,594 complaints, 31.50%), after-sales service problems (3,244 complaints, 18.27%), and pricing issues (2,082 complaints, 11.72%) [1] Group 2: Specific Complaint Cases - Complaints in the education and training sector were driven by misleading marketing tactics, such as false income claims and hidden fees, leading to disputes over refund policies [2] - Notable cases included a consumer being charged a 10% penalty for withdrawing from a painting course despite promises of easy refunds, and another consumer facing pressure to upgrade a course after initial dissatisfaction [2] Group 3: Broader Consumer Issues - Complaints regarding prepaid consumption in sectors like beauty, fitness, and education remain high, primarily due to businesses failing to honor commitments and imposing unreasonable fees [3] - Issues in live-streaming sales include false advertising, refund barriers, and difficulties for minors in making purchases, with several consumers successfully recovering funds through mediation [3] Group 4: Recommendations and Measures - The Sichuan Consumer Rights Protection Committee proposed measures to address the complaints, including stricter regulations on false advertising in education and training, and the establishment of third-party escrow for prepaid funds [4] - Recommendations also included promoting virtual reality for hotel bookings, implementing overselling alerts, and enhancing consumer education to avoid scams related to high-income job offers [4]

Core Points - The rise of short drama training institutions is accompanied by issues related to refund policies and "unreasonable clauses" in contracts [1] - A recent court case in Beijing ruled against an arbitration clause deemed as an "unreasonable clause," reinforcing consumer rights [1] - The Supreme Court's recent interpretation of laws regarding prepaid consumption disputes aims to clarify rights and protect consumers [1][2] Group 1: Legal Context - The court identified the arbitration clause in a training contract as invalid, which significantly reduces the cost burden on consumers seeking refunds [1] - The new judicial interpretation from the Supreme Court invalidates unreasonable clauses that increase consumer costs, such as non-refund policies and restrictions on service transfers [1] Group 2: Consumer Rights and Responsibilities - Consumers are advised to carefully review contract terms, especially regarding duration, fees, refund conditions, and dispute resolution methods [2] - Consumers have the right to terminate prepaid contracts if disputes arise within the contract period, allowing them to mitigate losses [2] Group 3: Business Practices and Consumer Protection - Some platforms are introducing services that guarantee compensation if a business fails to fulfill its obligations, enhancing consumer confidence [3] - There is a call for stricter penalties against businesses that engage in fraudulent practices, such as taking prepaid funds and failing to provide services [3] - The enforcement of the Supreme Court's interpretation is expected to improve the business environment by discouraging dishonest practices and promoting consumer trust [3]

Core Viewpoint - The article highlights the challenges consumers face in protecting their rights regarding prepaid consumption, particularly in sectors like education, fitness, and retail services, where issues such as business closures and refund difficulties are prevalent [1]. Group 1: Prepaid Consumption Issues - Prepaid consumption involves consumers paying upfront for goods or services to be provided later, but often leads to disputes due to businesses failing to deliver or going out of business [2]. - Consumers frequently encounter difficulties in obtaining evidence for their claims, as businesses control the contract texts and records of transactions, making it hard for consumers to prove their cases [2][3]. Group 2: Legal Framework and Consumer Rights - The recent legal interpretation by the Supreme People's Court provides guidelines for handling disputes in prepaid consumption, allowing courts to recognize consumer claims when businesses fail to provide necessary evidence [3][4]. - Unfair terms, such as those that limit refunds or impose penalties on consumers, are deemed invalid under the new legal interpretation [4][5]. Group 3: Recommendations for Consumers - Consumers are advised to keep thorough records of contracts, payment receipts, promotional materials, and communication logs to support their claims in case of disputes [3][6]. - A five-step approach for consumers to resolve disputes is suggested, starting with direct negotiation, followed by mediation, administrative complaints, legal action, and potentially reporting fraud to law enforcement [7][8]. Group 4: Collective Action and Precautions - Collective action is encouraged to reduce individual costs and improve efficiency in legal proceedings, with options for joint lawsuits available for groups of consumers [8]. - Consumers should exercise caution when selecting service providers, verifying their credibility through official channels and being wary of making large upfront payments based on promotional offers [8].