The Cetelem Bank telephone number is information that you will need whenever you have any type of pending issue or demand to deal with this financial company. Therefore, in this article we will give you several tips on how to contact Cetelem and guide you on the company's customer service channels.
Cetelem Bank is a group of the financial company BNP Paribas, originally from Spain, but operating in Brazil since 1999. It also operates together with the e-commerce website Free Market, being its main shareholder and which intervenes in purchasing relationships between customers and sellers.
With a modern proposal focused on customer convenience, Banco Cetelem stands out on the national scene as one of the best-known and most respected financial institutions.
Cetelem Bank Telephone Numbers
Have all of Banco Cetelem's services in the palm of your hand. Check the app on your smartphone's official store and have the possibility of making bank transactions wherever you are.
Check balances and statements, without any charges, as well as unlock, withdraw and pay your bill in installments. And all transactions made through the app will be notified to you, before you carry out any procedure without your knowledge.
Cetelem Bank Customer Service
If your request was not answered by the Central, you can count on Banco Cetelem's SAC service. You can call 4004 7990 and talk about matters related to credit cards and payroll loans, or even request your payroll loan through 0800 724 5904.
Relationship Center
The Center offers the Credit Card option, which is specifically for dealing with matters related to purchases made with your card, in addition to other options. You will have two telephone numbers to carry out this procedure:
4004 7990 or 0800 704 1166
Telephone Loan Consignment
Check out the best options for Credit with the Bank, as well as financing that can fit your budget, whether for a car or property purchase. Write down the phone numbers to contact us:
4004 5280 or 0800 701 5280
Cetelem Bank Ombudsman
The Ombudsman's Office is open from Monday to Friday, from 9 am to 6 pm. You can call the number 0800 722 0401.
There is also an exclusive channel for the hearing impaired at Banco Cetelem, which provides full attention to these customers. Hearing impaired people can contact the free number 0800 020 7410.
The Cetelem Bank Ombudsman's Office is a specific body that exists within the company and plays a very important role. This is because it is through this sector, the Ombudsman's Office, that the company is able to evaluate, identify and monitor the service standards of its staff.
In general, people end up contacting Cetelem's ombudsman when they have a problem with the company and the regular service, unfortunately, is unable to resolve this issue.
The ombudsman, therefore, must listen to its customers' complaints and has the duty to ensure that the demand is always investigated and evaluated in an impartial and fair manner.
Each company defines its own approach and the way the sector operates. Some, for example, end up choosing to outsource this service in order to ensure greater impartiality.
Others choose to select the company's own employees, who are already familiar with the company's values, exchange or return policy, and refund processes.
At Banco Cetelem's Ombudsman's Office, you can submit compliments, suggestions, requests, complaints, statements and claims. The interesting thing about the ombudsman's office is that, in addition to investigating your issue, it also has an effect on the company.
Work at Cetelem Bank
Cetelem is always looking for new professionals who are innovative and dynamic, and who work collaboratively, always thinking about their own growth, that of their colleagues and also the Cetelem Group.
Check it out at Cetelem website, and take the opportunity to send your interest in the vacancies that match your profile.
Greater return and financial results
Cetelem is a partner company of the BNP Paribas Group. In the second half of 2019 alone, the Cetelem Group's profit reached R$179 million.
Tariff Table
Check out all the options on the website to take out your payroll loan or find out the monthly fees for your credit card. You can do this through the app or by checking through the website, by this access link.
Social media
Follow Cetelem on social media, without missing anything that is happening in the Group's investments.
Your credit card limits – understand how it works
You will have a limit imposed on your purchases, withdrawals and also additional cards. Understand each of the details below:
Purchase limit: The credit available for you to make purchases in physical and online stores, always with good discounts on Mercado Livre. You will always have this limit for purchases made in cash or in installments.
Withdrawal limit: It is available for you to make your withdrawals in cash or in installments, as long as there is a balance available on your card.
Additional limit: Finally, this is an additional limit that you can give to someone else. A very common example is to give this additional limit to your child, who does not yet have a fixed income to have a good credit score and spend considerably on their credit card.
Legal Action against a Bank: is it viable?
Many people wonder whether it is worth taking legal action against a bank. Is it feasible? Is it worth it? To answer this question, first of all, you need to know the extent of your problem with the banking institution.
We know that most of the problems involving customers and banks are issues that are easier to resolve through a complaint to the bank's own ombudsman or even by making a statement to the Central Bank.
However, when the situation is more complicated and involves larger amounts, the customer may consider filing a lawsuit against the financial institution, knowing that this will be a last resort, after exhausting administrative avenues for resolving the conflict.
One option for those who were unable to resolve the issue through conventional means is to file a lawsuit in Small Claims Court in your region, which is the competent body to process cases of up to 40 minimum wages. It is important to emphasize that, for cases of less than 20 minimum wages, it is not mandatory to appoint a lawyer.
Another advantage of JEFS that cannot be forgotten is the absence of legal costs for litigants, that is, you will not need to pay anything to file a lawsuit against the Bank.
To be successful in a case before the Small Claims Court, it is important that you gather as many documents as possible, such as contracts, bank statements, emails, collection letters, proof of payment, etc.
Another fundamental thing in this type of process is to have all the details of the Bank against which you are going to file the lawsuit: address, telephone number, CNPJ, name of the manager, among other important information so that the justice officials can locate the financial agent.
And as previously mentioned, there is no need to hire a lawyer, although if you have the means, this is highly recommended, considering that in more complex cases the assistance of a specialist will be essential for you to be successful in the dispute.
Therefore, now that you know all the details about how to file a lawsuit against a bank, it is up to you to decide whether or not this is viable, whether it is the best solution or not.
Complaint to the Central Bank of Brazil
Many users of banking services do not know, but when they have some kind of problem with a bank and the bank does not resolve it through its ombudsman, a very practical and viable alternative is to make a complaint to the Central Bank.
The Central Bank of Brazil is a highly regarded institution and, among other responsibilities, it is responsible for regulating and supervising the national financial system. The institution also currently works to ensure the stability of the purchasing power of money.
In the specific case of Banks, the Central Bank supervises and controls banking institutions, aiming to prevent abuses and other arbitrary acts that may be committed by the country's financial agents.
So if you had a more serious problem with the Cetelem or any other financial institution and this problem was not resolved by the ombudsman, you can register your complaint very simply on the Central Bank website.
Once the complaint has been made, the Central Bank will contact the Cetelem to request information about the complaint made.
In normal situations, the Central Bank takes around 8 to 10 business days to respond to the citizen. However, this period depends largely on how long the bank that was complained about takes to respond.
If your complaint is fair, the Bank will usually reverse its procedure or in some way seek to correct the error made, notifying the Central Bank about this occurrence.
Logically, if your complaint to the Central Bank is unfounded, no action will be taken, as the Central Bank will analyze your case and forward it to the institution, acting in this case as a mediator of the problem.
As previously mentioned, it is very simple to file a complaint with the Central Bank. The entire procedure is carried out online, and it is important that you register an email address to receive notifications each time the process is processed.
Another very important point to remember is the need to have the complaint receipt protocol at the Bank on hand. Have this number on hand as you will need it when making your claims.
It is also important to clarify that the Central Bank will ask you to write a text explaining exactly what happened between you and the bank. At this point, be as detailed as possible, providing the date, time, name of the attendant, what was said, protocol number, etc. Don't leave anything out!
Step by step: making a complaint on the Central Bank website
To initiate the complaint procedure at the Central Bank, you can click here.
As you can see in the image below, you must enter your CPF number and select Complaint against Financial System Institutions.
Solve the Captha and the screen will open for you to fill in the necessary data:
- Choose the name of the Institution
- Select Subject
- Enter your message, stating the complaint you want to make
- Enter the Financial Institution's protocol number
From there, the Central Bank will ask for your email and telephone number, generating the service protocol after that.
With the complaint protocol in hand, as stated above, you just need to wait for the bank's response regarding your complaint.
Questions and Answers about Complaints at the Central Bank
1- Which institutions does the Central Bank supervise?
The Central Bank supervises multiple banks, commercial banks, cooperative banks, investment banks, development banks, exchange banks, savings banks, credit unions, credit, financing and investment companies, real estate credit companies, leasing companies, exchange brokerage companies, securities brokerage companies, securities distribution companies, development agencies, mortgage companies, credit companies for microentrepreneurs and small businesses, payment institutions and consortium administrators.
2- Can I file a complaint against an Institution authorized to operate by the Central Bank?
Yes, complaints may be filed by customers and users of products and services from financial institutions and other institutions authorized to operate by the Central Bank, such as credit unions, payment institutions and consortium administrators, whenever there is evidence of non-compliance with legal and regulatory provisions whose supervision is the responsibility of this Agency.
3- Does a complaint to the Central Bank have the same effects as a lawsuit?
No. The Central Bank acts in the administrative sphere and does not replace legal action. Therefore, if your problem is not resolved by the Central Bank, you can file a lawsuit.
4- Does the Central Bank regulate the waiting time in bank queues?
No. The Central Bank does not regulate waiting times in queues. There are state and municipal laws that address this issue. It is up to consumer protection agencies (Procon, Prodecon, Decon) to provide guidance on this topic.
5- Does the Central Bank set the value of fees charged by banks?
The Central Bank does not determine the amount of fees. However, there are some services that banks must provide free of charge. Subject to the prohibitions, each institution is free to establish the amount of its fees.
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