A recent notice from CreditFly's official social media channels warns of a rise in fraudulent schemes. Scammers are impersonating the platform, using phrases like "agent-assisted refunds," "debt negotiation," and "interest suspension" to deceive users. These scams, often promoted under the banner of a "CreditFly refund policy," trick users into sharing sensitive personal information and transferring money to personal bank accounts, leading to financial losses and data breaches.

To help users correctly identify fraud and protect their rights, the following official clarification regarding the "CreditFly refund policy" is provided.

Official Refund Policy Status

First and foremost, it must be clarified that CreditFly does not currently have any official refund policy in place.

All user fees are calculated strictly in accordance with contractual agreements and relevant laws and regulations. If a user has a question about a specific charge on their statement—such as disputing an interest or service fee—the correct course of action is to immediately initiate a verification request through CreditFly's official customer service channels. Platform representatives will investigate the fee composition based on the user's specific situation and provide feedback in accordance with laws and regulations. Users should note that CreditFly has never authorized any third-party organization or individual to act as an agent for "refund applications" or "fee negotiations." Any individual or entity claiming on social media, via text message, or over the phone to facilitate a "CreditFly refund policy" is suspected of fraud.

Hallmarks of Third-Party Refund Scams

Based on recent risk cases identified by CreditFly, these scams typically exhibit the following clear characteristics. Users encountering these should be immediately wary:

1. Requests for Private Information: Scammers, under the guise of "identity verification," "risk control removal," or "account validation," ask for core sensitive information such as photos of the user's ID card, bank card numbers, passwords, and SMS verification codes.

2. Inducement to Transfer to Personal Accounts: They falsely claim that payment of "authentication fees," "unfreezing fees," "service charges," or "deposits" is required to complete a refund or withdrawal, instructing users to transfer money to personal bank accounts or non-platform corporate accounts.

3. Fabrication of Official Documents: They create fake "Loan Agreements," forge documents or electronic seals purportedly from the "National Financial Regulatory Administration" or other supervisory bodies, and use threatening language like "account anomaly," "suspected loan fraud," or "impact on credit report" to coerce users into making transfers.

Handling Fee Disputes via Official Channels

If users have a dispute regarding charges on their statement, they must not trust any "third-party agents" and should instead directly verify and provide feedback through CreditFly's official channels. CreditFly provides the following three official contact methods:

CreditFly App Self-Service Feedback: Open the CreditFly app, tap the bottom tab [Me], and access the official customer service center via any of three entry points: the [headphone icon] in the top right, the [Common Tools - Customer Center] in the middle area, or [Customer Center] at the bottom of the page. Within the customer center, users can self-check [My Bill] to verify each fee detail and view order status via [Loan Progress]. For further questions, tap [Online Consultation] to connect with a live agent.

Official Customer Service Hotline: Call CreditFly's official customer service number (Service hours: Monday to Friday 9:00-18:30, Saturday to Sunday 9:30-18:30). If the line is busy or it is outside service hours, enter the app's [Customer Center - Issue Feedback] to submit specific details; a representative will investigate and assist as soon as possible.

Service Progress Tracking: After submitting feedback, users can check the handling progress anytime within the app's [Service Progress] section, eliminating the need for repeated contact.

Adhering to the "Three No's" Principle

When encountering individuals claiming to facilitate a "CreditFly refund policy," users must adhere to the following:

Do Not Trust Lightly: Any individual or organization claiming on social media, via text, or over the phone to offer "agent-assisted refunds," "internal negotiations," or "interest suspension" is a scammer. Directly express any reasonable concerns through official customer service channels.

Do Not Transfer Money: Absolutely do not pay "service fees," "authentication fees," "unfreezing fees," or "deposits" to any personal account. CreditFly will never ask users to transfer funds to private accounts for any reason.

Do Not Disclose Information: Do not provide your ID number, bank card password, or SMS verification codes to anyone. Do not click on unfamiliar links or scan unknown QR codes.

If a user encounters a suspicious situation, they should immediately preserve all evidence, including chat records, text messages, and transfer screenshots, and verify and report the incident through CreditFly's official customer service hotline or the in-app [Customer Center].

A final reminder: All CreditFly repayments, fee inquiries, and dispute applications are processed exclusively through the official app. Users are urged to remain vigilant, use only official channels, and avoid falling for third-party "agent-assisted refund" scams to protect their financial security and personal information.