A Lendico é uma plataforma online de empréstimo pessoal. Ela tem como seu propósito oferecer uma solução adequada para quem busca empréstimos pessoais com taxas de juros justas. Nascida em julho de 2015, a Lendico se posiciona em oposição ao que o mercado oferece e diz acreditar que crédito com custo justo pode mudar a forma como o empréstimo pessoal é visto atualmente.
Entre em contato com a Lendico! Abaixo nós listamos as suas opções para enviar uma sugestão, reclamação ou dúvida. Não deixe de conferir!
Lendico Phone
Uma das maneiras mais comuns e práticas de entrar em contato com empresas é pelo telefone. Com a Lendico não é diferente. A plataforma de empréstimo pessoal disponibiliza um número para que os clientes e interessados possam se comunicar com eles.
Informe a sua demanda para: (11) 3230 – 3332.
E-mail Lendico
Outra opção para os clientes e demais interessados em realizar contato com a Lendico é pelo e-mail. Envie a sua reclamação, dúvida ou sugestão para o endereço eletrônico: atendimento@lendico.com.br
Assessoria de imprensa
Aqueles que desejam realizar solicitações de entrevistas ou demandar outras informações jornalísticas, devem entrar em contato com:
Luciana Mira
E-mail: luciana.mira@notecomunicacao.com.br
Telephone: (11) 3136-0544
or
Isabella Cascione
E-mail: isabella.cascione@notecomunicacao.com.br
Telephone: (11) 3136-0544
Comunicação e marketing
Já aqueles que irão tratar de demais assuntos relacionados a comunicação e marketing da Lendico devem entrar em contato com:
Bárbara Rocha
E-mail: barbara.rocha@lendico.com.br
Telephone: (11) 3198-1928
FAQ Lendico
Quem preferir, também pode buscar a solução para as suas dúvidas no FAQ da Lendico. Acesse o website da plataforma e clique no link Ajuda. Você será direcionado à página onde se encontram as respostas para as dúvidas mais frequentes, tais como:
- A Taxa de juros
- Pedido de empréstimo
- Análise e pedido de empréstimo
- Documentation
- Depósito do empréstimo
Quer saber como pedir um empréstimo na Lendico? Veja o vídeo abaixo e tire suas dúvidas:
Social media
Também é possível interagir com a Lendico pelas redes sociais. Para comentar as publicações, entrar em contato via mensagem direta e manter-se atualizado das novidades, confira a lista abaixo:
Other Channels
O atendimento ao consumidor pode ser implementado de diversas formas, canal telefônico, chat online e email são algumas. Porém, nem sempre os canais de atendimento ao consumidor são bem sucedidos em resolver todas as demandas do cliente. Então, confira a lista abaixo de opções que todos podem usar para realizar reclamações a respeito de produtos e serviços.
Consumer Portal
O Portal do Consumidor foi criado pelo Ministério da Justiça para permitir a interlocução direta entre consumidores e empresas e, assim, promover soluções de conflitos. Todos podem registrar uma queixa em seu website e a empresa tem até 10 dias para te responder. Porém, o procedimento só é válido para as empresas cadastradas.
Procons
Os Procons são órgãos vinculados aos governos estaduais e eles atuam na defesa dos direitos dos consumidores. Qualquer pessoa física ou jurídica pode registrar as suas reclamações por meio do website. Também existe a possibilidade de fazer isso presencialmente nas sedes e postos de atendimento. Você não será cobrado nenhuma taxa para utilizar o serviço.
PROTEST
A Associação Brasileira de Defesa do Cliente, também conhecida como PROTESTE, é uma entidade civil sem fins lucrativos que atua na defesa e fortalecimento dos direitos dos clientes. Pelo seu canal de reclamações, disponível no website, é possível encaminhar uma demanda para diversas empresas e solicitar o apoio de um de seus especialistas no assunto. Porém, os clientes devem entrar em contato com a empresa diretamente antes da PROTESTE intervir.
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.
Portanto, se você teve um problema mais grave com a Lendico 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 Lendico 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 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 a Lendico 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
O site Achei Celular é um projeto independente que não possui nenhum vínculo com a Lendico e nem com as entidades governamentais de defesa do consumidor. O objetivo deste artigo foi apenas informar sobre o telefone da Lendico 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.
