（来源：沈阳日报） 转自：沈阳日报 随着数字经济发展，"一键支付""自动续费"等服务已深度融入日常生活，为大众带来缴费免跑腿、服务 不中断的便捷体验，成为提升生活效率的重要助力。与此同时，这类服务若缺乏定期梳理与管理，可能 出现非预期扣费情况。为帮助消费者更顺畅地享受这份便捷，环平保险经纪（上海）有限公司（以下简 称环平保险）近日发出公益倡议，详细分享自动续费科学管理技巧。 作为重视用户权益与社会责任的企业，环平保险认为，科技价值在于服务于人，自动续费的核心优势 是"省心高效"，只要做好基础管理，就能避免疏忽带来的困扰。为此，公司整理了一套实用管理指南： 其一，理性开通授权，办理促销或试用服务时，结合自身需求选择续费方式，开通前仔细阅读服务说 明；其二，定期开展"支付体检"，建议每季度集中检查一次支付平台与银行APP的绑定服务，清理长期 不用的续费项目；其三，开启提醒功能，主动启用银行卡及支付工具的动账通知，实时掌握资金变动情 况；其四，推行家庭互助，年轻群体协助长辈梳理支付设置，讲解开通与解约流程，让老年朋友也能安 心用新技术。 针对主流支付平台的操作场景，环平保险梳理了清晰的管理路径：支付宝用户可通过"我 ...

Core Insights - The China Consumer Association reported a total of 536,761 consumer complaints in Q3 2025, marking a year-on-year increase of 7.9% [1] - Complaints related to false advertising, safety issues, and contract problems have seen a significant rise compared to Q3 2024 [1] Group 1: Complaint Trends - The main complaint issues identified include shortcomings in overseas travel platforms, particularly in service delivery and customer support [2] - The rise in complaints about automatic renewal services is attributed to hidden terms, lack of fee reminders, and difficulties in cancellation [3] - There has been a notable increase in complaints regarding power banks, particularly concerning safety certifications and misleading product specifications [3] Group 2: Specific Issues in Travel and Services - Consumers face challenges with travel platforms that fail to assist in refund requests when hotels refuse to cooperate, leading to dissatisfaction [2] - Information on travel platforms is often outdated, resulting in consumers arriving at hotels that are no longer operational or have changed names [2] - The discrepancy between advertised and actual hotel conditions has led to increased consumer frustration [2] Group 3: Automatic Renewal and Product Complaints - Automatic renewal complaints are rising due to the obscured presentation of renewal terms and inadequate notification before charges are made [3] - Consumers report difficulties in canceling subscriptions due to hidden options and unresponsive customer service [3] - Complaints about power banks include issues with non-compliance to safety standards and exaggerated product claims, particularly from smaller brands [3]

Core Points - The China Consumers Association reported a total of 536,761 consumer complaints in the third quarter of 2025, representing a year-on-year increase of 7.9% [1] - A total of 274,427 complaints were resolved, recovering economic losses of 236 million yuan for consumers [1] - The number of consumer visits and consultations reached 155,900 [1] Complaint Nature Analysis - After analyzing the nature of complaints, after-sales service issues were the most prominent, accounting for 29.4% of total complaints [2] - Compared to the third quarter of 2024, complaints regarding false advertising, safety, and contract issues increased, while complaints about after-sales service, quality, and measurement decreased [4] Complaint Classification by Issues - In the third quarter of 2025, complaints related to after-sales service totaled 157,786, representing 29.4% of total complaints, while contract-related complaints were 118,043 (21.99%) [5] - Quality complaints accounted for 101,001 (18.82%), and false advertising complaints were 41,739 (7.78%) [5] Product and Service Category Analysis - Product-related complaints totaled 283,263, making up 52.77% of total complaints, while service-related complaints were 231,542 (43.14%) [6] - The top five categories for product complaints included home electronics, daily goods, food, clothing, and transportation tools [6] - For service complaints, the leading categories were life and social services, internet services, education and training services, cultural and entertainment services, and sales services [6] Complaint Hotspots and Typical Cases - The rise of the trendy toy economy has led to significant complaints regarding product quality and after-sales service, particularly in blind box and figurine purchases [11] - Complaints about misleading advertising and safety issues in the weight loss product market have also surged, with many consumers reporting adverse health effects [15] - Pet consumption disputes have increased, with issues such as hidden health problems and misleading marketing practices being reported [19] - Complaints related to overseas travel services have highlighted shortcomings in information accuracy and service fulfillment by travel platforms [23] - The issue of automatic renewal services continues to rise, with complaints about hidden terms and lack of cancellation options [27] - Complaints regarding smart driving technology have emerged, focusing on performance limitations and lack of transparency in data sharing [31] - A significant increase in complaints about power banks has been noted, particularly concerning product recalls and safety concerns [37] - Insurance consumption complaints have risen, with issues related to misleading marketing and unauthorized automatic renewals being prevalent [38]

Core Viewpoint - The convenience of automatic billing has become a default option in many services, but it also hides significant risks for consumers, including unexpected charges and difficulties in obtaining refunds [1][2]. Group 1: The Gray Area of Automatic Renewal - The controversy surrounding automatic billing primarily revolves around "informed consent," as many applications set the "automatic renewal" option as the default, often obscuring cancellation options in small print [2]. - For platforms, automatic renewal enhances user retention and provides stable income, leading to a lack of transparency that undermines consumer rights [2]. - Legal experts indicate that failure to prominently inform users about upcoming renewals may violate consumer rights, and continued charges after cancellation could constitute breach of contract or unjust enrichment [2]. Group 2: Consumer Actions When Issues Arise - The most direct action for consumers facing unwanted renewals is to contact platform customer service, with some companies offering a "refund within seven days of automatic renewal" policy [3]. - However, not all platforms respond positively; some users report being denied refunds with excuses related to system limitations or lengthy review processes [3]. - If negotiations fail, consumers can file complaints with regulatory bodies, such as through the "12315" system, to report issues related to inadequate disclosure or misleading practices [3]. Group 3: New Options in the Digital Age - Increasingly, consumers are turning to social complaint platforms, such as "Black Cat Complaints," to report issues related to automatic billing [4]. - These platforms allow users to describe their problems and submit evidence, with the complaint process being publicly displayed to enhance transparency [4][5]. - The "red and black list" feature on such platforms provides consumers with pre-purchase insights, allowing them to see past complaint volumes and response rates, which serves as a warning for potential issues [6]. Group 4: Preventing Automatic Billing Traps - Prevention is easier than remedy; users should carefully read service terms, especially regarding renewal clauses, before subscribing [8]. - Many apps allow users to disable automatic renewal, but the option may be buried in settings, requiring thorough navigation [8]. - Regularly checking bank and payment records can help identify unusual charges, and users should cancel automatic renewals on both the platform and payment channels [8]. Conclusion - The original intent of automatic billing is to provide convenience, but a lack of transparency can lead to unfair charging practices [9]. - A healthy consumer environment requires proactive regulation from companies and vigilance from consumers, encouraging them to report issues to promote market fairness [9][10].