How to close my accounts that I do not use and for which I am charged expenses? What to do with the expenses that are charged to me on credit cards that I did not make? How do I report a credit scam?
These and other questions are the ones that thousands of users of the financial system ask themselves on a daily basis and transfer to the Central Bank as a regulatory body on a daily basis.
In this regard, the entity has just updated a practical guide for users of the system, which indicates specific procedures and reveals information on contracting the service. Among them, these five key points :
1) I see in the movements of my accounts or card summaries the collection of different charges.
How can I know if those debits are correct? What can I do if they do not correspond?
"At the time of acquiring a product with a financial institution, a contract must be signed," indicates the Central, where the terms and conditions in which the product or service is provided will be reflected.
These clauses mention interests, commissions, charges, promotions with expiration.
"Any client of a bank has the possibility of consulting and downloading the contracts signed with the entity," the institution recalls.
A relevant fact that he points out is that when contracting products or services, it can be done for independent products or a package of products .
THE GHOST HIDDEN IN THE PACKAGES. Savings accounts in pesos are free bank accounts, but additional products, such as credit cards, are agreed upon under other conditions.
In the case of savings banks in pesos , they are free bank accounts for their opening, maintenance and provision of a debit card, while additional products, for example, a credit card, are agreed under other conditions .
Another important aspect is that all entities have a "repentance button" that allows you to revoke the acceptance of contracted products or services and the "unsubscribe button" that must be available to end or terminate contractual relationships.
TOUCH BUTTON. Every bank must have a "repentance button" that allows you to revoke the acceptance of contracted products or services and also an "unsubscribe button" to end or rescind the current contract.
2) I want to know if I have any debt with the bank.
Where can I check my status?
The Central Bank has the Central Debtors, which is a registry that shows debts or amounts with financial institutions for non-payment of loans or credit cards for the last 24 months, rejected checks, credits or debts for taxes.
To consult the Central, you must enter with the CUIT number.
The information published in the Central Debtors is provided by banks and other entities, if you want to make a request for rectification, updating, deletion and confidentiality should be directed to the entity that reported the data.
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DEBTORS AND CANCELED. The Central Bank of debtors allows to know the state of debt. In addition, there is a mechanism for rectifying erroneous information in principle in the banks, but it can be appealed.
If the claim proceeds, it is up to the entity to request the BCRA within 10 calendar days of the request, that the modifications be made.
If there is no response from the entity, the claim can be entered at this link.
To consult checks reported as lost, stolen or adulterated, go to this link.
3) I suspect that I was the victim of a virtual fraud or scam in one of my bank accounts.
What should I do and where should I go?
The Central Bank's policy regarding cyber scams or virtual fraud has recently taken a turn, after a new wave of cases. A year ago, during the first stage of the COVID quarantine, scams proliferated, mostly targeting older adults.
POSITIVE ID. Now, the Central Bank has imposed on banks that they must carry out a positive identification and for a certain period of time of the beneficiaries of loans in order to reliably determine their will to avoid scams in the online modality.
The latest regulation in this regard imposed greater obligations on banks before granting online credits to bank account holders. However, in the specific case, the Central reiterated what potential victims should do .
As reported by El Cronista , to make a claim related to financial services and/or products, it is first necessary to go to the financial institution or credit card issuer who will assign a claim number.
Also complete the Federal Single Window for Consumer Protection complaints form to formally register the complaint. It also had a free line 0800-666-1518 or write to consulta@consumidor.gob.ar .
Then you have to contact the Fiscal Unit Specialized in Cybercrime (UFECI) through http://www.mpf.gob.ar/ufeci or by email to: denunciasufeci@mpf.gob.ar
The Central insisted on not providing personal data to strangers by email, telephone or social networks .
"Making personal data available to strangers could be dangerous and lead to identity theft by enabling scams," he stressed.
4) I want to cancel a credit card.
How do I have to do? Do I have to pay some of the consumption in installments that I have pending?
"The mechanisms to request the removal of a credit card must be simple and immediate, and allow revocation or termination in a single act", indicates the Central.
NO RETURNS. The mechanisms for requesting credit card cancellation must be simple and immediate, and allow revocation or termination in a single act.
5) I want to close a bank account.
Can you charge me for it? Do I have to go to the branch to process it?
The BCRA specified the conditions :