Core Viewpoint - The article highlights significant complaints against a lending platform named Jin Ying Fen Qi, focusing on issues such as high interest rates, aggressive collection practices, and hidden fees [2][3][18]. Group 1: Complaints and Issues - Over 20,000 complaints have been filed against Jin Ying Fen Qi on the "Black Cat Complaints" platform, primarily regarding violent debt collection and excessive service fees, with comprehensive interest rates exceeding 24% [2][3]. - A borrower reported a loan of 18,000 yuan with a repayment plan of 12 installments, resulting in a comprehensive interest rate of 38.6% [3]. - The platform allegedly forces users to pay for membership and consultation services under the pretext of expedited loan processing, while customer service denies access to loan contracts [3][15]. Group 2: Company Background - Jin Ying Fen Qi and Jin Ying Hua are trademarks of the same company, Hangzhou Ben Ying Information Technology Co., Ltd., established in February 2021 with a registered capital of 5 million yuan [5]. - The company recently underwent a rebranding from Jin Ying Fen Qi to Jin Ying Hua, claiming it was for brand upgrading purposes [11][13]. Group 3: Regulatory Context - The new regulations effective from October 1, 2023, require lending platforms to maintain transparency in fees and prohibit disguised fee increases under various names [17]. - Legal experts indicate that borrowers can demand refunds for any interest paid above the legal limit and can refuse to pay any excessive interest not yet paid [17].