At the beginning of 2026, JD Finance received a special gift. Mr. Zhang, a user who had fallen behind on payments after encountering fraud from illegal financial schemes, presented a banner inscribed with "Safeguarding Users' Legitimate Rights and Interests" to JD Finance staff. This gesture was to thank the platform for successfully recovering ¥10,000 in fraudulent "service fees" around the New Year and for assisting in resolving his debt dispute. This specialized rights protection and fee recovery initiative represents another practical achievement of JD Finance's dual-track governance system, which combines "online precise monitoring + offline collaborative enforcement," highlighting the platform's commitment to protecting consumer rights and its resolute stance against illegal financial activities. It is reported that Mr. Zhang had encountered a loan delinquency due to financial strain. Eager to alleviate his debt pressure, he was misled by false advertisements for "loan installments," "credit negotiation," and "debt collection suspension" pushed by a fake "debt negotiation agency" via WeChat Moments ads. Lured by promises of "low service fees and quick processing," the agency claimed that a payment of ¥10,000 would secure a suspension of collection efforts, even pledging that "from today, the platform will only contact the borrower personally, reduce contact frequency, ensure the borrower remains reachable, and stop contacting the reserved and third-party contacts." However, to Mr. Zhang's surprise, after he transferred the money as instructed, the other party only provided fabricated case closure recordings without delivering any substantive service. More seriously, misled by this agency, Mr. Zhang missed the proper window for repayment negotiation, leading to the continuous accumulation of overdue penalties and putting his personal credit history at risk, thereby trapping him in a triple dilemma of "unresolved debt, financial loss, and information leakage." After contacting JD Finance's official customer service to verify the fraudulent activities of the illegal law firm, Mr. Zhang realized he had been scammed. Upon learning that JD Finance had launched a special campaign targeting illegal schemes and supporting client rights protection, and guided by customer service, he submitted relevant materials—including the entrustment contract with the illicit firm, payment receipts, and chat records—to JD Finance's specially established team for combating illegal activities and protecting client rights. He actively cooperated with the rights protection team's investigation into the firm's violations and received full, pro bono professional representation from JD Finance's team throughout the process. JD Finance's specialized rights protection team provided end-to-end follow-up and service, actively coordinated with relevant authorities, and reported the clues about the illegal operation. Their efforts culminated in the successful full recovery of the ¥10,000 in defrauded funds for Mr. Zhang in early 2026, earning his sincere gratitude and praise. "The full amount has been refunded. Thank you to all the comrades in JD Finance's rights protection department for their hard work. You have guarded users' money; I give you all a thumbs-up! I applaud your professionalism and efficiency," Mr. Zhang expressed while presenting the banner. "After being defrauded, I was extremely anxious. It was the JD Finance staff who patiently communicated and efficiently advanced the case, using their professional service to help me out of this predicament. I am truly grateful. Thank you, brothers of the JD Tech team, for safeguarding users' legitimate rights and interests. Your hard work is appreciated! Wishing everyone a Happy New Year in advance!" In recent years, illegal "anti-collection" activities in the financial sector have shown trends of industrialization and scale, with the industry's size exceeding 280 billion yuan in the first quarter of 2025 alone. Some criminal groups constantly update their fraudulent tactics, using guises like "debt optimization" and "proxy rights protection" to deceive consumers out of assets and personal information through forged policies and fabricated negotiation channels. They claim to help debtors "stop collection calls and waive interest," demanding high service fees from delinquent users, but then sever normal communication channels between users and financial institutions by setting up call forwarding. This exposes users to multiple risks, including financial loss, credit damage, and potential legal violations, severely disrupting financial market order. In the face of such illegal activities, JD Finance maintains a "zero-tolerance" high-pressure stance, targeting illegal financial operations across the entire chain. Online, leveraging an intelligent risk control system that integrates internal and external risk data resources, and applying technologies like voiceprint liveness detection and comparison, in-depth complaint analysis, and dynamic public opinion monitoring, the platform achieves precise targeting of illegal activity clues. Offline, it has established regular collaboration mechanisms with public security organs across the country to effectively protect consumers' legitimate rights and interests. A relevant负责人 from JD Finance stated that the banner received at the start of the new year is not only recognition of the platform's rights protection work but also an impetus to further fulfill its consumer protection responsibilities. Illegal financial activities severely infringe upon consumer rights and damage the financial market ecosystem. The platform will continue to increase investment in technology R&D and resources, improve its intelligent risk control system, deepen multi-dimensional collaboration with relevant departments, strengthen specialized prevention and control during high-risk periods like holidays, and continuously enhance the effectiveness of its crackdown on illegal operations. Simultaneously, JD Finance solemnly reminds users not to readily believe the false宣传 of third-party agencies offering "proxy rights protection" or "debt reduction." Such services not only fail to solve actual problems but may also lead to financial loss and legal risks. If facing repayment difficulties, users should proactively communicate through JD Finance's official customer service hotline at 95118 or the platform's formal negotiation channels. The platform will provide compliant and reasonable solutions in accordance with laws and regulations, working with users to safeguard financial security and personal legitimate rights and interests. In 2026, JD Finance will use this specific rights protection case as an opportunity to resolutely sever the illegal profit chains of illicit operations. With more professional risk control capabilities and more efficient service levels, it aims to create a safe, orderly, and healthy financial environment for consumers, practically ensuring the financial rights and interests of every user.