Digio is a digital platform that seeks to unite its customers through digital financial solutions. According to the company's founders, they consider themselves a Bantech, a fusion of traditional banking services aligned with the practicality of the digital world, avoiding queues and major headaches.
The Credit Card digio is already ahead of many competitors, after all it does not charge an annual fee and you have free discretion to use it however and as much as you want.
Digio started small in 2016, but today it has more than 1.6 million customers. For Banco do Brasil and Bradesco customers, there may be a discount.
Digio Customer Service Center
Digio's Customer Service Center is ready to assist its customers, dealing with queries related to credit card bills, as well as the benefits of the digital account.
Capitals and metropolitan regions: 3004-9920
Other locations: 0800 721 9920
digio customer service
The digio SAC is exclusively for finding out more information, as well as registering a complaint about a service that you didn't like from digio, as well as canceling cards and praising the company.
Customer Service Telephone: 0800 333 8735
Customer Service Telephone Number for the audiovisually and physically impaired: 0800 333 8736
Customer service is available 24 hours a day, seven days a week. Call and follow the instructions to speak to a digio representative over the phone.
Digio Email
Solve everything you need with Digio using your email, phone or PC, wherever you are. Send your request to fale@digio.com.br
Digio Ombudsman
In addition to digital channels, such as the virtual chat and email from the Digio team, customers have access to an Ombudsman service, exclusively for dealing with issues that were not properly resolved even at the Customer Service Center.
In the Ombudsman's Office, the agents' mission is to receive, work impartially and inform the deadlines that will be encouraged to evaluate each request. And of course, suggestions and criticisms are always welcome, after all, this way all fintechs can evolve even more and help Brazilians.
Ombudsman Telephone: 0800 333 14 74
The Digio Ombudsman's Office is open from Monday to Friday, from 10 am to 4 pm. For the audiovisually impaired, the Ombudsman's Office can be reached at extension 0800 333 8786. The 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 can evaluate, identify and monitor the service standard of its staff.
In general, people end up contacting an ombudsman when they have a problem with the company and the regular customer service, unfortunately, cannot resolve the issue.
Digio's 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 present 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 generates an effect on the company.
Many people end up wondering about the difference between the ombudsman and the SAC, or they end up getting confused when choosing which service channel is most appropriate for their needs.
Therefore, it is very important to know the difference between an ombudsman and a customer service center. Customer service, also known as customer service, is a channel made available by companies to meet a consumer's initial demands.
At SAC, you can request information, clarify some doubts, cancel your purchase and even make a complaint. Please note that complaints at SAC have a time limit to be resolved: 5 days from the date your complaint is registered.
Some companies, such as telephone, energy, cable television, air or road transport companies, banks or health insurance companies, are required to offer a customer service channel through the SAC. Others, on the other hand, are not required to create this channel. However, if you really care about your customer service, it may be interesting to offer a SAC.
The ombudsman's office, on the other hand, should not be your first contact with the company, as it is a channel for investigating problems. In many cases, it is necessary to present the protocol number obtained from the SAC.
Therefore, the answer to when to contact an ombudsman is already very clear. The ombudsman should be contacted after all possibilities of negotiations and contact with the company through the most traditional channels have been exhausted.
Therefore, consider contacting an ombudsman as your last resort, as a specific channel to open a report about your problem. Leave contacting the ombudsman until your problem is not resolved by customer service.
Digio Chat
Digio's virtual chat is available on the app, and is available exclusively for customers every day of the week, 24 hours a day.
Credit Information System
Better known as SCR, this instrument is evaluated according to data from the Central Bank of Brazil, which provides each customer's credit data, defining whether or not it is possible to increase each customer's limit.
As for the most relevant information that we can highlight, the customer needs to be evaluated in advance and information about their balance at the end of the month must be sent to update credit operations.
Digio app
The digio app is available for download from the Apple and Google Play stores. Download it for free and have control over your digital account, making payments and using your credit card wherever you are, including for online purchases.
Digio rates
One of the great advantages of digio compared to other traditional banks is that you do not pay an annual fee for card remission, in addition to withdrawals made both in Brazil and abroad.
And even if you opt for a service that has a charge, such as invoice installment, you will pay less than 10% in interest per month, a lower amount than other fintechs, as well as much lower than most traditional banks operating in Brazil.
Complaint to the Central Bank of Brazil
Many users of financial services do not know, but when they have some kind of problem with a Credit Card and it is not resolved through their 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 cards, the Central Bank supervises and controls the institutions, aiming to prevent abuses and other arbitrary acts that may be committed by the country's financial agents.
Therefore, if you had a more serious problem with the Digio Card 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 Cartão Digio directly 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 card that was complained about will take to respond.
If your complaint is fair, the credit card company 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 entry protocol with the Credit Card company 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 card. 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?
Multiple banks are supervised by the Central Bank, 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 Credit Card: Is It Worth It?
Many people wonder whether it is worth taking legal action against a credit card company. 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 institution.
We know that most of the problems involving customers and financial institutions are issues that are easier to resolve through a complaint to the company'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 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 data of the Credit Card against which you are going to file the lawsuit: address, telephone number, CNPJ, 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 Card, it is up to you to decide whether or not this is viable, whether it is the best solution or not.
Other ways to complain about a Card
If you don't know, nowadays there are several ways to complain and show your dissatisfaction with the service provided by a Credit Card. 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 credit 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 the service provided by a credit card company, 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 companies.
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 company 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 the Digio card 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 financial institutions, 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 Cartão Digio or government consumer protection entities. The purpose of this article was only to inform about the Digio phone number.Digio 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.
