Do you know Just? It is an online lending platform that aims to facilitate access to personal loans. Its unique features include its personalized credit proposal and a completely online experience.
If you want to learn more about the platform, make a complaint or make a suggestion regarding its services and products, we can help you. Check out your options for contacting Just below.
Just Phone
One of the most practical ways to contact just Customer Service is by phone. The platform offers two numbers for customers and other interested parties who wish to speak to them. See below.
Capitals and Metropolitan Regions
Those who will call from a capital or metropolitan region can make contact by number: 3003-8996.
Other locations
In turn, customers and other interested parties who live in other regions should call the number: 0800-777-8996.
Email Just
Another option for those who wish to speak to Just is by email. Send your question, complaint or suggestion to the following email address: falecomjust@justonline.com.br
Press
For those who wish to contact Just's press department, however, they must do so via the specific email provided by the platform. Send your request to: imprensa.just@bv.com.br
Customer Support
Another option for those who wish to speak to Just is Customer Support. At website of the platform, a page with a form through which customers and other interested parties can make contact. Simply provide your full name, email, telephone number, CPF, reason for contact, subject and write your message in the space provided to describe your request.
On the same page you will also find some answers to frequently asked questions, such as:
- Can I use someone else's CPF or account?
- What are the service channels?
- Privacy Policy
- Can I generate my own payment slips?
- Can I change the due date of the installments?
Frequently Asked Questions
On the Just website, a page to the company's FAQ. There you will find a search bar where you can type your question and a list of frequently asked questions, such as:
- What documents are accepted?
- Can I use someone else's CPF or account?
- How do I cancel my loan?
- How do I know I've been approved?
- I have a loan. Can I apply for another one?
Social media
You can also interact with Just via social media. Comment on their posts, stay informed about the latest news and send messages through the networks below:
Other Channels
Unfortunately, we know that companies' customer service channels are not always enough to resolve all your issues. So, check out the channels below that we can all use to make our complaints.
Consumer Portal
The Consumer Portal is a free public service where you can file a complaint about services and products. The company has only 10 days to respond to your request. This procedure, however, is only valid for companies registered on the website.
Central Bank
Any citizen can file complaints regarding the services offered by financial institutions with the Central Bank of Brazil. Although the institution does not have the legal authority to act on individual cases, complaints can help regulate and monitor the financial system.
Small Claims Courts
Those who decide to seek legal action can file a complaint in a Small Claims Court. Any individual over the age of 18, micro and small businesses, and civil society organizations have access to this resource. Complaints must be made in writing and include copies of an identity document, CPF, proof of residence, and other documents that support the case.
Do you want to know if Just is reliable and if it is safe to take out a loan with this financial institution? Watch the video below and clear up both doubts.
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 financial institution and it is not resolved 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 Financial Institutions, 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.
So if you had a more serious problem with Just 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 Just 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 financial institution that was complained about takes to respond.
If your complaint is fair, the financial institution 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 hand. Have this number at hand because 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 financial institution. At this point, be as detailed as possible, informing 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 Financial Institution: Is It Worth It?
Many people wonder whether it is worth taking legal action against a financial institution. 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 financial institution'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 financial institution 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 financial institution, 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 against a finance company
If you don't know, nowadays there are several ways to complain and show your dissatisfaction with the service provided by a financial institution. 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 financial institution, 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 Just for example, which 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 agency, a complaint to Procon may be a viable alternative. It is known that companies as a whole, especially financial ones, tend to 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 Just or with government consumer protection entities. The purpose of this article was only to inform about the telephone number ofJust 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.
