Where to report digital banking, Have you ever thought about that? After all, they are digital banks, they don't have physical stores or direct contact, so what should you do in case of problems?
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First of all, it is worth mentioning that digital banks emerged to make life much easier for those who had difficulty having a bank account.
In other words, without much bureaucracy, even those with bad credit can open an account, and there is also a quick and simple process when opening an account.
But despite the many advantages, digital banking has its disadvantages too.
Therefore, it is very important to know how to resolve them and not be left helpless in these moments.
Keep reading and let's find out Where to report digital banking
Which body oversees digital banks?
Digital banks are controlled by Central Bank of Brazil, which guarantees the operations of digital banks in Brazil.
The BCB carries out regulation and supervision as it is the guardian bank of values in Brazil, which is controlled only by the government.
This institution, which is also called Bacen, was created in 1964, with the primary duty of performing an executive function in relation to the National Monetary Council.
In other words, Bacen creates and ensures that all the responsibilities delegated to it are fulfilled.
In this way, all financial institutions in the country depend on your approval to carry out their operations.
Therefore, they are directly under the supervision of the BCB, that is, for those who want to know where report the digital bank, know that any process must go through it.
But, let's agree that this situation ends up limiting the powers of banks, thus ensuring that people's rights are respected.
Furthermore, it ends up generating a more correct competitive environment among the institutions in this sector.
Therefore, when Bacen supervises the financial system, it still ends up guaranteeing some fairer services for the consumer, such as:
- debit card and check clearing available at no charge to the consumer.
There are other institutions such as stockbrokers that require authorization from the Central Bank to operate in the country and are regularly supervised.
This way, it ends up offering a lot of security for customers, as it is something that is supervised by the BCB.
Although the bank's headquarters are located in Brasília, it has several other representatives in many places in Brazil.
So you have other options at your location. where to report a digital bank.
How does the complaints process work?
The Central Bank does not act individually in consumer cases, it acts and supervises through consumer institutions.
See some models of institutions authorized and supervised by the BCB:
- Multiple, commercial, investment, development and foreign exchange banks;
- Financing, credit and investment institutions;
- Houses that offer real estate credit;
- Mortgage institutions;
- Development agencies;
- Leasing companies;
- Securities brokerage organizations;
- Exchange companies;
- Credit unions.
Anyway, see the full list at website, so you know where to report the digital bank.
Where to report a digital bank: developing a complaints process
When you need to make a complaint, the step-by-step process is as follows;
1. Contact the institution's own SAC;
2. Consult the contract details with the institution's ombudsman;
3. Contact PROCON.
See the flow of a complaint at the BCB:
First, the person sends the complaint to the BCB.
Now, he will take action considering a table of complaints:
- Inspection actions;
- Improvements in legislation;
- Ranking of institutions with complaints index;
- Financial education actions.
The Central Bank of Brazil will then send the complaints to the financial institutions.
In this way, within a period of up to ten days, the institution in question will respond to the customer.
Remember that the financial institution in question must satisfy the Central Bank, so it is obliged to resolve your case or it will be subject to the penalties of the law.
Well, it's not just where to report digital banking, it is also being willing to go through an entire process, for your problem to be resolved.
But, even so, it is always worth going after what is rightfully yours, guaranteed by law, whatever the issue.
Finally, it is always worth seeking all the relevant guidance and information before making any decision, so that you do not have any additional problems.
Try your best to resolve the situation with the bank. If the problem is not resolved, contact the BCB channels to file a complaint.
I hope I have helped with this issue and have cleared up some of your doubts on this subject. Hugs!
