人民日报发文：办个手机套餐，哪来这么多套路？
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本想办个月租低的手机套餐，却中了个连环“套”，稀里糊涂地“被买”了个分期还款的互联网贷款金融产品。
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套餐里面“套路”多
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吴先生是一名销售人员，因为业务需要，想再办个月租费用低的电话卡。5月22日，他来到广州天河区一家广东电信营业厅咨询业务。业务员介绍了几个套餐，最低的99元。吴先生觉得太贵了。多番询问下，业务员说有个月租39元的套餐。
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“套”餐就这样开始了。
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第一“套”：“套餐”里有老年机。
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手机套餐一般是通话、流量、短信的套餐，但吴先生的“套餐”里有个手机。他在各种签字、证件拍照后，业务员拿出一款老年手机送给他。“我二十多岁的人，要这个老年机有什么用？”吴先生问是否可以不要手机，业务员说这是送的。
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第二“套”：冻结余额宝金额。
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业务员告诉吴先生，为了防止违约，要在其个人余额宝账户中冻结273.6元。“办套餐还要冻结余额宝，真没道理。”吴先生虽然心里不满，但营业员说这个是最低价位的套餐，他也就默认了这个“条款”。
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第三“套”：移花接木，“被买”了个金融产品。
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回到住处，吴先生查看消费记录时发现，在手机余额宝中冻结273.6元的是一家名为“世纪银通”的公司，商品名称显示为：广东电信，互联网金融合作代收通用套餐（加，在网24个月，预授权冻结273.6元）
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“这又是个啥？”吴先生一头雾水，赶紧拿出在营业厅签字的协议查看。协议书显示，他办理的是一款“橙分期”综合授信金融合约产品。该产品是由甜橙融资租赁（上海）有限公司及翼支付平台针对电信用户提供的一款金融合约分期产品，金融服务有前述两主体及两主体合作的第三方持牌金融机构提供。如果产生逾期，根据情节严重程度可能会收到电话、短信、信函、诉讼等不同形式的欠费催缴，还会产生相对应的信用额度关闭等负面后果。
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办个业务还得成为金融专家和警察？
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为什么协议书和消费记录显示的商品不同？吴先生困惑地说：“看完协议书，我更糊涂了。就一个办手机套餐的简单诉求，最后怎么就办成了一个金融分期产品，还有什么电信、甜橙、世纪银通这些公司，根本就看不明白。”
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吴先生拨打电信客服电话进行了投诉。接线人员问吴先生，为何没有在办业务的过程中提出疑问，而且在有关协议上全部签了字，在办理业务时是否有录音等证据？吴先生表示，自己就是要办一个手机套餐，业务员拿出好几张纸，指着空白处让他签名，根本没说这是个金融分期产品。普通老百姓办业务都是这样，一大堆看不懂的协议，有几个会一项一项地看条款？“难道普通消费者去营业厅办个普通业务，都还要录音吗？我又不是警察办案。”
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吴先生的无奈，反映了不少消费者的共同心声。办个月租低的套餐咋就这么难？套餐消费里埋了多少“坑”？办个业务难道还要成为金融专家和警察？
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此后，记者以消费者身份到该营业厅办理业务，也表示希望办理“低月消”的套餐，营业员首先介绍了几款99元以上的套餐，但又说有39元的套餐。这个套餐目前刚推出，在官网和手机APP上还查不到这个套餐业务。这个名为零元购“老人机”的套餐，主要针对的是“老年人”群体。
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针对老年人群体，套餐业务难道不更应该简单化吗？年轻人都搞不明白的金融分期产品，却主要以老年人为客户，这个业务的目的到底是什么？更令人费解的是，本不是为了这个零元购机的“优惠”才去办套餐的，却莫名其妙被强制销售了零元购机的金融分期产品，而且是在不知情下办理的。
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“被办理”的实质是侵犯消费者知情权
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记者在小红书、微博、微信等社交平台上发现，很多网友都吐糟有“被办理”的经历。办手机套餐、家庭宽带业务过程中，在业务员的“指引”下，稀里糊涂地办理了网络小额贷款、预授权冻结等金融业务，而且多半根本不知道办的是这个，直到接到金融公司的债务催收电话或者产生不良征信记录后，才发现自己当初被“套路”了。
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近年来，电信运营商布局消费金融业务，推出了不少合约购机服务，消费者在购机时可以办理金融分期业务。这个业务的底层逻辑是，电信运营商维系了客户长期在网；手机销售渠道商提高了销售量；提供分期业务的金融公司获取了场景与客户，降低了违约率；客户降低了购机门槛。但现实中，合约购机引发的争议不少，多数是在消费者不知情或不充分知情下“被办理”的。
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受访法学专家认为，电信运营商在消费者不知情或不充分知情的情况下，只强调套餐优惠、不提风险进行诱导，涉嫌侵犯消费者的知情权、选择权和公平交易权。
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一名知情人士告诉记者，很多营业厅的工作人员都有办理金融分期的业绩考核。在压力之下，他们很难切实站在消费者角度去充分、清晰地推介业务，这也是消费者被“分期”“被贷款”“被冻结”的原因所在。
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来源：人民日报
</p> 关键是谁去买东西会把那五六页的合同一个个看完？完全就是欺诈 关键是现在还纸质合同都没有，要求视频拍照在他们的手写板上签字，有的营业厅连屏幕都不让客户看到，签的啥都是稀里糊涂 晓得她们有问题了.问题是还把她们没得法.就像银行卖保险一样 ， 垄断的结果 这种就是分期公司和电信合作，然后欺骗客户办理，最后还下来的钱购买几个那种手机了 没有明确告知是分期的情况下，属于欺诈 这就是分期，被销售骗了的 ，