A Brafin está sempre na procura de aprimorar os seus serviços. Isso inclui os seus produtos, qualidade no atendimento e também nos seus canais oficiais.
A sede da Brafin está atualmente na cidade do Rio de Janeiro. E oferece empréstimos para o público que ainda não tiveram acesso a crédito, seja em bancos tradicionais ou pequenas fintechs. Também foi considerada no ano de 2019 como uma das melhores Instituições Financeiras virtuais para se investir, com empréstimos que realmente oferecem soluções e não mais uma forma de se endividar em meio a tantas contas.
Brafin Telephone
Ligue para 21 3995-2748 e solicite um empréstimo consignado junto a Brafin, ou mesmo abra a sua conta e estude quais os benefícios que poderá ter com esta Instituição Financeira.
E-mail Brafin
Envie um e-mail para contato@brafin.com e utilize algum dos serviços que estão disponíveis para se resolver no e-mail, como envio de documentos e solicitar outras pendencias.
Seja um franqueado
A Brafin ingressou no ramo de franquias financeiras. A sua forma independente de trabalhar, transparência e facilidade em oferecer crédito aos clientes, possibilita com que a empresa tenha cada vez mais campo de atuação pelo nosso país, promovendo um trabalho igual, oferecendo soluções de crescimento para todos os públicos.
SAC Brafin
O SAC da Brafin está disponível para deixar sugestões, cancelamentos, reclamações e outras informações gerais através do número 21 3995-2748.
Regulamentação devida junto ao Banco Central do Brasil
Como uma Instituição Financeira que preza pela seriedade em todos os seus serviços e setores, a Brafin está regulada de acordo com os padrões do Banco Central, que regula preços, controle de inflação, correções monetárias e mais detalhes que envolvem a moeda vigente no Brasil, o Real.
Empréstimo para todos os tipos de públicos
Garanta já o seu Empréstimo Consignado como aposentado. As taxas de juros são diferenciadas e até 10 x mais baixas do que em uma modalidade de empréstimo pessoal. O seu parcelamento poderá ser feito em até 72 x.
Em geral, os aposentados têm mais facilidade para conseguir empréstimo junto a Creditas. Isso se deve muito ao fato de que os aposentados já tenham um valor segurado mensalmente pelo INSS. Mas não quer dizer que por estar trabalhando como autônomo, ganhando até 1 salário mínimo ou mesmo estando sem renda, que você não poderá receber um empréstimo pela Brafin.
Empréstimo para militares: O empréstimo consignado para militares está disponível para todos os que compõem as forças armadas do Brasil ou mesmo estejam na Reserva, após o tempo de serviço oferecido a Nação.
Você tem direito de solicitar o crédito consignado para militares se tiver sido parte da Marinha, Aeronáutica ou das Forças Armadas. O empréstimo consignado te oferece mais facilidade na contratação, taxas de juros mais baixas e prazos mais longos para se pagar.
Lembrando que esta política de crédito pode variar de acordo com o convenio, seja pelo exército, marinha ou aeronáutica. Ele é igual para todos e será concedido se o nome do sistema de crédito estiver limpo.
Formas de pagamento
O pagamento das parcelas será feito através de um desconto na folha, porém as parcelas tem um limite de margem de até 30%.
Canais digitais e Aplicativo
Utilize os canais digitais da Brafin, como as redes sociais, sites e outras plataformas de comunicação na Internet. Além disso, aproveite para usar o aplicativo que pode ser baixado totalmente de graça em seu Smartphone.
Social media
Siga as redes sociais da Brafin e fique sempre a alerta de novidades nos serviços, descontos da Brafin e também poder divulgar a Instituição Financeira para outros amigos.
Veja o vídeo abaixo e saiba como se tornar um franqueado Brafin:
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.
Portanto, se você teve um problema mais grave com a Brafin 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.
Uma vez realizada a reclamação, o Banco Central vai entrar em contato direto com a Brafin 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 Financial Institution: Is It Worth It?
Muitas pessoas se perguntam se vale a pena entrar com uma ação judicial contra uma Financeira. Será que é viável? Vale a pena? Para responder essa pergunta, antes de tudo, é necessário saber qual a extensão do seu problema com a instituição.
Sabemos que a maior parte dos problemas que envolvem os clientes e as financeiras são questões mais simples de serem resolvidas através de uma reclamação na ouvidoria da própria empresa ou mesmo com uma manifestação junto ao Banco Central.
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 financial institution.
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.
Outras formas de reclamação contra uma finaceira
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 a Brafin 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
O site Achei Celular é um projeto independente que não possui nenhum vínculo com a Brafin nor with government consumer protection entities. The purpose of this article was only to inform about the telephone number of the Brafin 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.
