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    2018年8大投訴熱點:預付式消費與金融信貸捆綁疊加居首
    作者:中國板報網    來源:www.cqrgzs.com    點擊數:    更新時間:2019/1/25

      中消協今天上午通報2018年全國消協組織受理投訴情況:2018年全國消協組織共受理消費者投訴762,247件,解決556,440件,投訴解決率73%,為消費者挽回經濟損失98,090萬元。其中,因經營者有欺詐行為得到加倍賠償的投訴2,976件,加倍賠償金額1,483萬元。全年接待消費者來訪和咨詢92萬人次。根據消費者投訴情況,預付式消費與金融信貸捆綁疊加侵害消費者權益居消費者投訴熱點首位。

      中消協指出,售后服務、產品質量和合同問題仍是引發投訴的主要原因,占投訴總量的七成以上。與2017年相比,合同類投訴比重下降10%左右。合同類投訴比重下降較大,與近年來國家加強不平等格式條款的監督管理有關。

      根據2018年商品大類投訴數據,交通工具類占比下降,其余類別投訴有所上升。家用電子電器類、日用商品類、交通工具類、服裝鞋帽和食品類投訴量居前五位。根據2018年服務大類投訴數據,生活社會服務類、銷售服務、互聯網服務、電信服務和文化、娛樂、體育服務居于服務類投訴量前五位。與2017年相比,互聯網服務投訴量下降明顯,生活社會服務類投訴重新回到第一位。

      預付式消費與金融信貸捆綁疊加侵害消費者權益、網購家具糾紛成投訴熱點。

      根據中消協通報,2018年全年消費者投訴主要體現在八個方面,與歷年相比,出現“一新一難”。“一新”即在傳統預付式消費涵蓋的各領域,出現捆綁金融消費信貸式的新營銷模式。“一難”表現在網購家具成維權難點。

      近幾年來,預付式消費一直是維權熱點,橫跨眾多行業,監管難、維權難,群體性消費投訴多發。特別值得警惕的是,近一段時間以來,預付式消費與金融信貸捆綁疊加侵害消費者權益的問題相對突出。在家政服務、裝修房屋、美容整形、教育培訓等消費領域,經營者在宣傳時,往往把自己提供的產品和服務描述得十分美好,并有意淡化貸款的壓力,甚至以無息貸款作為吸引。消費者通過經營者推薦的金融機構貸款預付高額費用后,往往在出現商家不履行承諾、服務縮水、甚至關門跑路等情況時,才發現金融信貸條約中含有各種高額違約條款,消費者享受不到服務的同時仍需繼續償還金融貸款,消費者權益受到嚴重損害。

      此外,網購家具糾紛成為維權難點。2018年全國消協組織共受理62,346件日用商品類投訴,其中家具類商品投訴14,276件,占22.90%。中國消費者協會近期收到多起消費者關于網購實木家具的投訴:有的網購家具涉及跨地域問題,受南北方濕度差異影響,家具廠家對實木家具平衡濕度等方面標準把握不好,導致家具在短時間內出現嚴重開裂、變形;有的收到實物與網絡圖片的材質、做工、顏色有明顯差別。網購家具出現問題時,由于鑒定難等原因,消費者的退換貨訴求難以保障;使消費者選擇無理由退貨,因家具屬大件物品,消費者要承擔高額的物流及搬運費用。

      家具投訴反映的其他問題還包括,一是產品質量、交貨時間等與合同約定不符。如商家在制作家具過程中對原材料進行掉包、顏色不匹配、尺寸存在誤差、商家制作周期過長未能按合同約定時交付等。二是計價方式存在“貓膩”。銷售人員報價時往往只告訴消費者每平方米使用材料的價格,而定制家具所使用的金屬扣件、軌道、合葉等配件則需另行收費;或者商家先以低價套餐吸引消費者購買,之后再向其推薦套餐外產品或高價配件來賺取利潤等。三是安裝施工環節造成家裝損壞。一些商家為壓縮運營成本,將物流配送和安裝業務外包給第三方公司操作,由于部分第三方公司缺乏專業性,安裝時造成家具、地板磕碰、損壞等。四是售后退貨難,定制家具在出現產品質量問題時往往只修不退。此外商家一般會要求消費者在家具定制完成前預先支付全款或大部分款項,部分商家在錢到手后便消極應對消費者訴求,要求退貨退款更是困難。(新民晚報見習記者潘子璇)

      2018年八大消費投訴熱點:

      1。 預付式消費與金融信貸捆綁,消費者權益受到嚴重損害

      2。 家具類投訴較為突出,網購家具糾紛成為維權難點

      3。 商品房銷售糾紛時有發生,不按規劃宣傳和銷售、認購金難退,給消費者帶來嚴重財產損失

      4。 電信服務投訴仍然突出

      5。 旅游消費暗設陷阱,消費糾紛頻出

      6。 房屋裝飾裝修服務投訴仍是熱點

      7。 家用電子電器類投訴量居高不下

      8。 海淘商品鑒定難,成為消協組織和消費者維權的難點和痛點

    (文章來源:新民晚報)

    2018年8大投訴熱點:預付式消費與金融信貸捆綁疊加居首

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