The Mercantile Bank It is headquartered in the city of Belo Horizonte and is an emerging financial institution on the Brazilian scene.
It is characterized by being another bank with relationships with investors, whether they are entrepreneurs or even individuals who are starting out in the market. It also caters to the public who are opening their first bank account, offering basic services to improve their financial life.
Banco Mercantil Telephone
Call Banco Mercantil whenever you need help with an account, or even to get detailed information about your service package.
Commercial Telephone: 4004-1044 for calls coming from capitals and metropolitan regions, also for cell phones enabled abroad.
Calls originating from other locations: 0800 7070 389
SAC
Telephone number for complaints, suggestions, information and compliments about Banco Mercantil services. Send your message by calling 0800 70 70 398.
Leave your question on WhatsApp and the attendants will evaluate it and give you a result via Virtual Chat. The contact number for this channel is +55 800 707 0398.
Digital channels
Through Internet Banking, you have access to all the details of your account, such as statements of your payments, balances, as well as other benefits that you can monitor in the palm of your hand, without paying anything for it.
Special check
Balance your company's cash flow with the Mercantile Bank, using the special check function to complete an amount and have almost 1 month to replace that amount without interest. As the Institution's own system would say, Smart Credit in efficient hands.
Whenever you need, access the app and consult your list of available checks per month.
Issuing a second copy of the invoice
Get a second copy of your bill, either through the app or on the Mercantil website. After generating the verification code, you will be informed of the image.
Social media
Social networks facilitate communication between the Bank and its customers. This is also the opinion of those who have an account at Banco Mercantil, who can follow all the news through the fan pages. Check out the links below to access:
Receive your INSS benefit through Mercantil
Choose one of the Mercantil branches closest to you now and bring your retirement to Mercantil. Within a maximum of 60 days, your transfer will be accepted and you will receive the benefit through your favorite bank.
Vehicle financing
There is no longer any reason to wait to get your car or motorcycle just because you don't have all the money available. Through Banco Mercantil, you will find great rates at your disposal and are free to negotiate prices according to the FIP table.
Mercantil Bank Branches
There is always a Mercantil Group branch near you, where you can make your requests and find out what is best for your account today. Check out the physical addresses below:
São Paulo
Sao Paulo: R. da Alfândega, 415, Bras – Telephone: 11 3326-2888
Guarulhos: R. Cap Gabriel, 235, Center – Telephone: 11 2155-9700
São Caetano do Sul: R. Carlos de Campos, 110, Center – Telephone: 11 3883-8130
Rio de Janeiro
Rio de Janeiro: Rio Branco Avenue, 89, Center – Telephone: 21 2121-5800
Minas Gerais
Belo Horizonte: Silviano Brandão Avenue, 211, Holy Family – Telephone: 31 2111-3900
Juiz de Fora: 3045 Granbery Avenue, Granbery – Telephone: 32 3313-5050
Paraná
Curitiba: R. José Loureiro, 569, Center – Telephone: 41 2111-5000
Rio Grande do Sul
Porto Alegre: Rua 7 de Setembro, 730, Historic Center – Telephone: 51 2111-9500
Caxias do Sul: Dr. Montaury Street, 1431, Center – Telephone: 54 2108-8200
Bahia
Salvador: Ewerton Visco Street, 290, Tree Path – Telephone: 71 3421-4300
Ombudsman of Banco Mercantil
Banco Mercantil is very concerned about the ethics and integrity of its operations. For this reason, it provides an exclusive complaints channel for its customers. Therefore, if you have a complaint to make against Banco Mercantil, the first step is to access this channel, which functions as Banco Mercantil's Ombudsman.
To access this Banco Mercantil complaints channel, click on the link below:
Banco Mercantil Whistleblower Channel
The Banco Mercantil 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 an ombudsman when they have a problem with the company and the regular service, unfortunately, cannot resolve this issue. The Banco Mercantil 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 procedures 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.
In the 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 impact on the company.
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 Mercantile Bank 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 Mercantile Bank 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.
Taking Legal Action Against a Bank: Is It Worth It?
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.
Other forms of complaint against a Bank
If you don't know, nowadays there are several ways to complain and show your dissatisfaction with banking services. This means that you are not obliged to accept any type of illegality on the part of any agent of the country's financial system.
Unfortunately, nowadays, all sorts of irregularities occur in banking transactions. People are paying excessive interest or fees, others have their credit ratings listed without owing a single cent. In short, there are all sorts of complaints.
If, like many Brazilians, you have complaints about banking services or customer service, you should know that society has increasingly created mechanisms to give voice to dissatisfied people. Here we will give you just a few examples of how you can complain about abusive practices by banks.
You can choose between some of the complaint methods or you can even use all of them until your problem is finally resolved. Remember that first of all it is important to try to resolve the problem with the bank you have complaints about and only after that you can take other actions to protect your rights.
Complain here website
The Reclame Aqui website is a private platform, but it has helped many people solve their problems with financial institutions such as Inter Bank for example, that has a good reputation on the platform.
Reclame Aqui works as follows: the person who wants to make a complaint registers on the website, makes their statement in writing, being able to present any documents they deem necessary and completes the request by generating a protocol.
After this, the Reclame Aqui website itself contacts the company complained about, which normally informs its version of the facts and often solves the customer's problem.
Most companies respond very well to complaints made on this platform, while others don't respond at all. But in general, it's worth trying to make a complaint on the website. Access here to learn about the service.
Procon
A well-known body among Brazilians is Procon, always remembered for its fight to defend consumers. Procon is linked to the States and serves the entire population when it comes to consumer protection codes.
If you have easy access to this body, a complaint to Procon may be a viable alternative. It is known that financial institutions as a whole, especially banks, often have serious problems with their customers, and Procon may be the defender of the weaker side at this time.
Another advantage of seeking out Procon to file a complaint is the fact that it is a public service, that is, completely free, in which the consumer can have a strong arm in their defense against the abuse of power by large corporations.
Important Notice
The Achei Celular website is an independent project that has no connection with the Bank Mercantil and not with government consumer protection entities. The purpose of this article was only to inform about the telephone number of the Mercantile Bank and other forms of contact with the institution, for informational purposes only. If you have any complaints to make, look for the companies' official channels and under no circumstances leave any personal data in the comments field.
