A Crefisa é uma empresa que concede crédito pessoal através de recursos próprios, já contando com 1 milhão de clientes espalhados pelo Brasil, além de atuação em mais de 500 cidades.
É uma das empresas que permite você fazer crédito consignado ou empréstimos com os juros mais baixos do mercado. E como já diria o Slogan da empresa, venha que é dinheiro na hora!
Crefisa Telephone
A sede da Crefisa está na cidade de São Paulo. Mas são várias agências físicas espalhadas pelo Brasil, onde você pode terá acesso a crédito, dúvidas sobre sua conta e outras questões que podem ser resolvidas com os gestores da Crefisa.
Telefone Agência Principal São Paulo: 11 3897-6200
Whatsapp Crefisa
Você pode falar pelo WhatsApp com a Crefisa, através da Cris que é uma Assistente Virtual.
Chame a Cris pelo 11 94582-1680;
SAC Crefisa
Se você está com dificuldades para pagar a sua parcela ou mesmo precisa de informações para quitar o seu empréstimo consignado, mas não teve sucesso durante o atendimento em uma agência física, é hora de entrar em contato pelo SAC Crefisa.
O telefone é 0800 727 4884.
Social media
A Crefisa sempre divulga a expansão de seus serviços ou mesmo novidades através de suas redes sociais. Não perca mais tempo, e clique em cada um dos links para seguir a Crefisa:
Agências Físicas Crefisa
São mais de 500 cidades em que a Crefisa atua em todo o Brasil, ajudando pessoas que tem pouco acesso a crédito, construindo sonhos e alavancando a economia. Confira aqui, algumas agências físicas e veja qual está mais perto de você:
São Paulo
São Paulo Unid. Principal: R. Canadá, 387, Jardim América – Telefone: 11 3897-6200
Campinas: Av. Francisco Glicério, 632, Centro – Telefone: 19 3231-0221
Santos: R. Goitacazes, 23, Gonzaga – Centro – Telefone: 13 3323-0035
São Caetano do Sul: R. Visc. De Inhaúma, 951, Oswaldo Cruz – Telefone: 11 4232-0310
Rio Grande do Sul
Porto Alegre: Av. Alberto Bins, 720, Centro Histórico – Telefone: 51 3222-6289
Passo Fundo: Rua Bento Gonçalves, 598, Centro – Telefone: 54 3313-7555
Caxias do Sul: R. Cel Flores, 405, São Pelegrino – Telefone: 54 3215-2166
Bento Gonçalves: R. Mal. Deodoro 308, Centro – Telefone: 54 3451-3734
Santa Catarina
Florianópolis: R. Felipe Schmidt, 55, Centro – Telefone: 48 3039-1126
Balneário Camboriú: Av. Brasil, 1811, Centro – Telefone: 47 3268-1940
Lages: R. Quintino Bocaíuva, 70, Centro – Telefone: 49 3224-4692
Chapecó: Av. Getúlio Dorneles Vargas, 135, Centro – Telefone: 49 3222-1143
Paraná
Curitiba: Av. Mal. Floriano Peixoto, 7535, Boqueirão – Telefone: 41 3278-2275
Londrina: R. Sergipe, 1110, Centro – Telefone: 43 3336-3825
Maringá: Av. Tamandaré, 1007, Zona 01 – Telefone: 44 3255-2463
Foz do Iguaçu: Av. República Argentina, 3265, Centro – Telefone: 45 3526-0485
Rio de Janeiro
Rio de Janeiro: Est. De Jacarepaguá, 7187, Loja G, Freguesia de Jacarepaguá – Telefone: 21 3415-0341
Niterói: Av. Ernani do Amaral Peixoto, 334, Centro – Telefone: 21 2620-0387
Teresópolis: Av. José Joaquim de Araújo Regadas, 104, Várzea – Telefone: 21 2641-6305
Minas Gerais
Belo Horizonte: R. Cap. Nelson Albuquerque, 59, Venda Nova – Telefone: 31 3457-8750
Juiz de Fora: Av. Barão do Rio Branco, 2641, Centro – Telefone: 32 3213-2552
Ouvidoria Crefisa
Sempre pode haver alguma pendência em questão do seu atendimento ou em relação ao empréstimo que você solicitou junto a Crefisa. Pensando nisso, a empresa pensa em estratégias 24 horas, por dia através de seu Canal Oficial, a Ouvidoria Crefisa.
Ligue ao 4004-4001, opção 2, para quem está em capitais e regiões metropolitanas. E se você é de outras regiões, o telefone é 0800 722 444. Nos sábados também tem atendimento, das 8h às 15h. A ouvidoria também pode te ajudar com o fechamento de um empréstimo, sem precisar se deslocar até uma das agências.
A ouvidoria da Crefisa é um órgão específico que existe dentro da empresa e que possui um papel muito importante.
Isso porque é através desse setor, da ouvidoria, que a Crefisa consegue avaliar, identificar e acompanhar o padrão de atendimento de seu quadro de funcionários.
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.
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 the Ombudsman's Office, you can submit compliments, suggestions, requests, complaints, statements and claims.
The interesting thing about the ombudsman is that, in addition to investigating your issue, it also has an effect on the company.
Difference between ombudsman and customer service
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 department.
SAC, also known as Customer Service, is a channel made available by companies to meet the initial demands of a consumer.
At SAC, you can request information, clarify doubts, cancel your purchase and even make a complaint.
Please note that complaints to 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 SAC.
Others, on the other hand, are not required to create this channel. However, if you really care about your service, it may be interesting to offer a customer service center.
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.
When to contact an ombudsman
Assim, a resposta sobre quando acionar uma ouvidoria já está bem clara.
A ouvidoria da Crefisa deve ser acionada depois de esgotadas todas as possibilidades de negociações e contatos com a empresa através dos canais mais tradicionais.
Therefore, consider contacting an ombudsman as your last resort, as a specific channel to open a report about your problem.
Leave it until you contact the ombudsman when your problem is not resolved by customer service.
How an ombudsman works
A ouvidoria da Crefisa, ao receber a sua queixa, irá receber cada uma das informações apresentadas pelo cliente.
The employee will then check the service and see if there are any errors. If an error is found, the company will receive feedback with “corrective measures” to prevent this type of thing from happening again.
Em geral, o atendimento da ouvidoria costuma funcionar muito bem! Eles fazer um trabalho bastante sério e os consumidores, normalmente, avaliam o atendimento como positivo e, sobretudo, satisfatório.
Caso você ainda não tenha resolvido o seu problema, uma ótima forma de entrar em contato com a empresa e forçá-la a solucionar o problema sem, necessariamente, iniciar um processo, é o Reclame Aqui.
O Reclame Aqui é um dos melhores e mais eficientes canais de comunicação entre consumidores e empresas.
Lá, a taxa de resposta é, normalmente, alta, assim como a de resolução.
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 Crefisa ou qualquer outra instituição financeira e este problema não foi resolvido pela ouvidoria, você pode cadastrar a sua manifestação de forma bem simples no site do Banco Central.
Uma vez realizada a reclamação, o Banco Central vai entrar em contato direto com a Crefisa para solicitar informações sobre a reclamação efetuada.
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 above, 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.
