What should I do when money disappears from my account?
Find out what to do when money disappears from your account!
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After all, what do you do when your money disappears from your account? Many people have already experienced this problem, which should never happen.
It's not easy to look at your bank account and realize that some of your money is gone.
When this happens, the first thing people do is despair, which ends up not helping, since at these times, you can make the wrong decision.
For this reason, it is important to remain calm, so that you can find the solution and resolve the problem as quickly as possible.
To help you with this issue, we will show you what to do in these situations and how to plan to get your money back.
Read on to find out more.
Is the bank responsible for the money you have in your account?
This rule is basic: the bank is responsible for safely storing the amounts you deposit in your savings or checking account.
The problem is that getting the money back often becomes a bureaucratic process.
But we are talking about your right! Therefore, you should contact the bank (whether in person or online) and explain what happened.
In fact, the very Public Prosecutor's Office has an injunction which obliges Caixa Econômica Federal to return any amount withdrawn or withdrawn unduly from the consumer's account within 5 business days.
This injunction refers to a lawsuit filed against CEF, but all other Brazilian banks must do the same.
The injunction, without a doubt, brings more peace of mind to the lives of Brazilians. The thing is, banks usually take around a month to acknowledge the error and return the money to the customer's account.
The financial institution in question will resolve the issue of undue withdrawal. Otherwise, you can contact Procon so that you can receive the money again.
It is important to mention that you need to have proof that you did not withdraw the money and did not authorize any type of debit.
What to do when money disappears from your account?
The bank needs to prove all transactions made.
However, it is the customer who must notice if the money has disappeared. For this reason, it is necessary to frequently monitor your statement.
If you have any problems with the financial institution in question, call Customer Service (SAC) and register your complaint.
This way, all bank agents will be able to monitor the process.
You will receive a protocol number and SAC, as you already know, has a period of 5 days to solve the problem.
To prove that you tried to get your money back, write down the protocol number, the name of the attendant and the exact time of the call.
The bank has not resolved the issue after 5 days – What to do?
Didn't the bank's customer service or ombudsman resolve your problem?
Calm down! The case still has a solution.
Now, you can try to solve the problem in two different ways:
The first way is to file a complaint with Procon or directly with Consumer.gov.
On the Consumidor.Gov website, the customer makes a statement and the company responds. Afterwards, you can evaluate the service.
At Procon or Consumidor.Gov, the consumer can even receive twice the amount that the institution owes.
The second way is through the website Complain Here. Surely, you have friends and acquaintances who have managed to solve problems through this website, right?
Therefore, it is worth trying to use this website to explain the situation and wait for a response from the company.
Lastly, you can seek out a civil court to take legal action.
Check your statement frequently
It is very important that you check your account statement frequently.
There are two reasons for this.
The first of these is the financial organization. After all, to manage your income and expenses, it is essential that you control your statement and analyze all your monthly expenses.
Therefore, if you want to have more control over your financial life, keep track of your statement and be sure to write down everything you earn and spend within a given period.
The second reason is your own safety.
By checking your statement frequently, you can see if any money has disappeared from your account unduly.
This way, you will quickly find out what happened and can contact the bank to resolve the issue.
Data theft scam grew 165%
As you already know, bank data theft scams have increased significantly during the pandemic.
Therefore, it is important that you take all possible care.
In October 2021, the Brazilian Federation of Banks (Febraban) released a survey showing that virtual attacks against bank customers increased by 165% in the first half of 2021, when compared to the second half of 2021.
The worst thing about this story is that often, confidential information is provided by the customers themselves.
If you receive any suspicious messages or calls, ignore them immediately.
The bank will never call you asking for your bank password or credit card number. No one but you needs to have access to this data.
The Fake Call Center is one of the most common scams. In this case, the criminal contacts the victim, informs them about the supposed cloning of the card and requests financial data, such as the bank or card password.
If this happens to you, hang up the call, contact the bank and warn your friends and acquaintances to prevent other people from falling for the scam.
Conclusion
Were you checking your statement and noticed that money is missing from your bank? Then contact your bank as soon as possible.
If there was a banking error or undue charge, the institution must return your money! If this does not happen, seek out your rights!
