Já conhece a Linker? A empresa opera desde de Setembro de 2019 e é uma plataforma de soluções financeiras que tem como objetivo ajudar o empreendedor. Para isso, a Linker promete levar a revolução digital para o mercado de contas de pessoas jurídicas, disponibilizando um cadastro simples, tarifas justas e um atendimento efetivo com o mínimo de burocracia.
Deseja saber mais? Veja abaixo os canais de comunicação com a Linker e envie a sua pergunta, reclamação ou demanda!
Phone Linker
Assim como outras empresas do mercado, a Linker não disponibiliza um telefone pelo qual os clientes e outros interessados possam realizar um contato. Ainda assim, é possível falar com eles por meio de outros canais. Confira as suas opções no decorrer do texto.
E-mail Linker
Quem quiser entrar em contato com a Linker pode fazer isso via e-mail. A empresa oferece um endereço eletrônico para os clientes e outros interessados enviarem suas demandas. Basta mandar a sua mensagem para: ola@linker.com.br
Whatsapp Linker
Outro canal disponível para você falar com a Linker é o Whatsapp. Para isso, basta adicionar o número (11) 93324-4800 à lista de contatos do seu celular e abrir o Whatsapp para enviar a sua dúvida, sugestão ou reclamação.
FAQ Linker
Quem deseja achar as respostas para as próprias dúvidas também tem essa opção. A Linker disponibiliza as respostas para as perguntas mais frequentes sobre os seus produtos e serviços no website da empresa. Lá você encontra respostas para perguntas como:
- Quais as tarifas dos serviços oferecidos pelo Linker?
- O que é a conta Linker?
- Quem pode ter uma conta Linker?
- O Linker é um banco?
Social media
O Linker também está presente nas principais redes sociais. Comente publicações, entre em contato via mensagem direta e fique atualizado sobre as novidades dos seus produtos e serviço. Confira os links na lista a seguir:
Blog Linker
Você também tem a opção de conhecer mais sobre a Linker pelo blog da empresa. Lá, além de encontrar textos sobre empreendedorismo, mercado e muito mais, é possível deixar um comentário em cada texto postado.
Quem deseja se aprofundar nos serviços da Linker vai gostar de saber que no Blog também existe uma page que foi criada especificamente para responder às suas dúvidas. Acesse e saiba mais! Além dos textos sobre as dúvidas mais comuns, você encontra um formulário para se cadastrar na newsletter da empresa.
Other Channels
Sabemos que os canais de atendimento ao consumidor e outros serviços similares que as empresas disponibilizam aos seus clientes e outros interessados deveriam ser suficientes para que você seja capaz de resolver todas suas questões. Porém, nem sempre é isto o que ocorre. Pensando nisto, preparamos uma lista com outras opções para você.
PROTEST
A Associação Brasileira de Defesa do Cliente, também chamada PROTESTE, é uma entidade civil sem fins lucrativos que tem por objetivo a defesa e o fortalecimento dos direitos dos clientes brasileiros. O seu canal de reclamações permite que associados e usuários registrados enviem uma reclamação diretamente para a empresa envolvida e solicitem o apoio de um de seus especialistas. Conheça o website!
Public Defenders
A Defensoria Pública é uma instituição que tem como dever garantir a assistência jurídica integral e gratuita àqueles que não podem pagar por isso. Assim, ela presta consultoria jurídica sobre os direitos e deveres das pessoas e, com base na resposta à consulta, você pode decidir melhor como agir em relação ao problema em suas mãos.
Central Bank
Qualquer cidadão pode registrar reclamações sobre os serviços oferecidos por instituições financeiras no Banco Central do Brasil. Ao fazer isso, você auxilia no processo de regulação e fiscalização do sistema financeiro. Porém, é preciso ter em mente que o Banco Central não tem competência legal para atuar sobre casos individuais.
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 Linker 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 Linker 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 a Linker 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 Linker e nem com as entidades governamentais de defesa do consumidor. O objetivo deste artigo foi apenas informar sobre o telefone da Linker 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.
