Brazil

Did you have an undue DISCOUNT on the consignment? See how to get your money back!

Several families served by the Auxílio Brasil Program in November reported that they suffered undue discounts on the amount received this month on account of the payroll loan, despite not having taken out the credit. action to be taken by beneficiaries in this situation.

According to the government, the first step should be to identify in which banking institution the undue contracting of the credit took place, and to obtain this information, beneficiaries can call the Call Center of the Ministry of Citizenship through telephone 121, simply identifying themselves to the attendant. informing full name, CPF and date of birth.

After that, upon confirming which bank or finance company the credit was contracted with without authorization, the beneficiary must contact the company directly and choose between two possibilities: demand that the loan be canceled and that the amount of the installment be returned; or maintain the loan and receive the contracted amount, but in these cases the discounts normally continue for up to 24 months.

In the case of Caixa, the bank informed that if the improper contracting of the loan occurred with the company, it will be necessary for the beneficiary to go to a branch of the bank with CPF, RG, updated proof of residence and other personal documents to understand and resolve the dispute. situation, and you can also choose between the two options mentioned above.

Improper discount on the payroll of the Aid Brazil

In cases where the company does not want to comply with the request for cancellation by the beneficiary of the Auxílio Brasil, the Ministry of Citizenship advises that a dispute be registered on the website consumer.gov.br (check out here how to do it) or call 121 for more information and guidance.

The Consumidor.gov.br website is a free public service that allows direct conversation between consumers and companies for alternative dispute resolution, which is the official means established by the Ministry of Citizenship to receive complaints and reports

Loan discounts on the Brazil Aid November

Altogether, there are three allegedly irregular situations involving discounts related to the Auxílio Brasil payroll loan:

  • In the first situation, beneficiaries who never applied for the payroll loan had discounted values ​​referring to the credit installment;
  • In the second situation, beneficiaries who applied for the credit, but which were not approved or whose request is still being processed, also had the value of the first installment deducted;
  • And in the third situation are the beneficiaries who suffered discounts this month, but claim that the contracts defined the discount for the first installment only for December.

Sought by Folha de São Paulo, the Ministry of Citizenship stated that all contracts closed between October 10th and November 1st will have the first discounts made on the Auxílio Brasil payroll for November, regardless of the date in the contract. , and Caixa stated that there is no grace period for discounting the first installment of the payroll loan.

Caixa cancels Auxílio Brasil payroll loan

The UOL website published a report this Friday morning (25) stating that Caixa Econômica Federal suspended new hiring and releases of the payroll loan for beneficiaries of the Auxílio Brasil Program on November 14, however, the public bank has not yet disclosed the official cancellation.

The credit was suspended since the week before the second round of the elections, however, since the supposed release for new hires, on November 14, the Caixa Tem application and Caixa branch systems have denied the vast majority of new requests from the payroll loan from Auxílio Brasil, and according to the UOL report, this is due to an internal change in the rules for granting the loan.

The report claims to have obtained documents passed on internally to agency employees stating that the rules and requirements for releasing the Auxílio Brasil loan and other types of credit had been changed for customers who offer the highest risk of default, which are the the vast majority of beneficiaries of the Brazil Aid.

So far, Caixa has not officially announced that it canceled the payroll or that it changed the rules, but informed UOL that “the granting of credit follows internal governance criteria, based on the market context, on the monitoring of its products and on the bank’s strategies”🇧🇷

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