Nath Finanas starts a refund request movement by raising awareness on social networks
The influencer Nath Finanas published a tutorial on her Twitter profile, in which she teaches how to request the refund of bank fees paid by checking accounts.
According to BC Resolution 3919, every bank must offer a free account to individuals (PF), with services such as: debit card, ten check sheets per month, carrying out up to four withdrawals per month, providing up to two extracts per month and unlimited internet consultations.
HOW TO ASK FOR A REFUND OF ALL CURRENT ACCOUNT FEES YOU HAVE ALREADY PAID
follow the thread— Nath Finanas (@nathfinanas) June 1, 2023
The tweet soon went viral on the net, reaching many people who were not aware of the free checking account option offered by banks. As a result, employees of the main banks in the country reported a record number of calls last weekend, all requesting the reversal of monthly fees.
Also on his social network, Nath published the report of an employee at Ita, who tells the bank’s position on the cases. “Now you understand why you are receiving emails with negative feedback, right?”, comments the influencer.
This report is from someone who works in Ita. I am receiving from several other banks as well.
Now you understand why you are receiving an email with a negative return, right? pic.twitter.com/q7UvkA7uyr
— Nath Finanas (@nathfinanas) June 6, 2023
Still looking to make his followers aware of their rights, Nath published another tutorial. This time, teaching how customers can file a complaint with the Central Bank of Brazil (BACEN), which supervises and punishes if the bank is not complying with the rules (and customers’ rights).
Since the bank is not making it easy, I will teach you how to file a complaint with BACEN.
BACEN is the bank of banks, it supervises and punishes if the bank is not complying with the rules
Register the complaint here, have the service protocol at hand: https://t.co/VrlQa1VHLi
— Nath Finanas (@nathfinanas) June 6, 2023
(Image credits: Eduardo Soares/Unsplash)
Santander
Santander informs that it always offers a free package of essential services to individuals, as established by CMN resolution 3919, but that it advises customers to choose options that make more sense to meet their day-to-day needs. Subscription or migration to the package of free essential services can be done through digital channels, branches or the Bank’s Call Center (4004-3535, in capitals and metropolitan areas, or 0800 702 3535, in other locations).
Banco Central
Opening and maintaining a relationship with a financial institution is a decision made by the parties, the customer and the bank. In this sense, this relationship is governed by the Consumer Defense Code (CDC).
Once the relationship begins, the customer is entitled to certain free services called essential in the form and amounts established in CMN Resolution No. 3,919, of 2010. Any service that exceeds these limits may be charged to the customer by the financial institution.
Depending on the intended use, the customer can choose to contract a package of services, with the aim of reducing the total cost of using the account. For this, the customer signs a specific contract with the institution referring to the chosen package and starts paying the contracted amount.
At any time, the customer may terminate the service package contract, returning to the previous situation, that is, he will have access to the free essential service package again and be charged for any use above the amounts established in the aforementioned Resolution.
If for any reason the customer feels aggrieved in this relationship, for example, due to undue charging of a fee or fee package, he may contact the institution directly (SAC and Ombudsman) and request a refund. If the problem is not resolved, he can go to the Judiciary or to the consumer protection services (Procon and Consumer.gov.br). In addition, it is possible to file a complaint with the Central Bank.
Additional tariff information is available at:
