I have a 200.00 limit on my Real Master card. After reaching this limit, my account balance became zero. One day, two checks were cashed. Since I didn't have enough funds to cover them, the bank cashed these checks, considering it had the right to pay on behalf of its client. After paying them, my account went into negative balance. When the account is in this situation, the bank charges the DEPOSITOR ADVANCE FEE. If the next day the bank pays another check, withdrawal, or other debit, the fee is charged again, and so on. This is a HUGE, DISTRESSING, AND WORRYING PROBLEM for me.
What I believe is right is that if I don't have money in my account, the bank should only charge what the law dictates: Annex to Res. 1.682, art. 6, corresponding to reason 11 - NSF check - 1st presentation, a fee of only 0.35, and Serasa should notify the check holder so they can arrange for payment. There's a deadline for this to happen and be resolved. However, BANCO REAL does not comply with this determination, and simply for reasons it claims to me, it states that I am a GOOD CLIENT and therefore it doesn't allow checks to be returned to my account.
To be treated as a GOOD CLIENT, there must be a better proposal for the client in these cases.
I have already contacted the Central Bank. There is a complaint filed against the institution, and I am waiting for the bank's response. According to the BCB attendant, this situation, which gives the bank the right to charge, must be stated in the account opening contract.
I went to the branch, read the contract, and there is nothing related to this.
I really need this to be resolved because this cannot be happening only to me. I want the bank to stop this circus. And offer me something convenient.
Company Response Monday, April 5, 2010 - 08:27 To address your request, please contact our Customer Support Service (SAC) by phone at 0800.707.2399. You can also submit your complaint through our website (www.bancoreal.com.br). We also offer our entire branch network, with service hours from Monday to Friday, 10 am to 4 pm.
Teófilo Otoni - MG
Monday, April 5, 2010 - 18:45
Well, I really think this bank is garbage. They charge this fee twice a month or even more. I want this to be refunded to my account. It's absurd for a large bank to do something like this! Of course, to profit and get rich at the expense of fools!!!!! Solve this or I will have to solve it my way!!!
São Paulo - SP
Tuesday, February 8, 2011 - 10:03
TO ACCESS THOUSANDS OF OTHER COMPLAINTS ABOUT SANTANDER, VISIT:
http://www.reclameaqui.com.br/busca/?cx=008144464031947637647%3A7airzwxfigw&cof=FORID%3A10&ie=UTF-8&q=santander+depositante&id=&BuscaTipo=E&BuscaTipo=G#1077
A imagem acima, que aparece na notícia, é um exemplo de arte gerada por inteligência artificial para ilustrar a reportagem.
O cliente em questão reclama que o Santander (antigo Banco Real) cobra a taxa de Adiantamento a Depositante de forma abusiva. Segundo o relato, a conta do cliente ficou negativa após a compensação de dois cheques. Em vez de seguir a legislação que prevê a cobrança de uma taxa menor para cheque sem fundos e a notificação ao cliente, o banco teria cobrado a taxa de Adiantamento a Depositante repetidamente, mesmo após a conta ter sido regularizada.
O cliente argumenta que o contrato de abertura de conta não prevê tal cobrança e que procurou o Banco Central. Ele se sente lesado pela prática do banco, que, em sua visão, visa apenas o lucro à custa dos clientes.
A resposta do banco, por meio do Serviço de Apoio ao Cliente (SAC), sugere que o cliente entre em contato por telefone ou visite uma agência para resolver a questão.
A reclamação original foi publicada no site Reclame Aqui e o cliente demonstra indignação com a forma como o Santander trata as queixas, referindo-se à prática como um "absurdo" e indicando que buscará outras formas de resolver o problema caso não haja estorno dos valores cobrados indevidamente.
A postagem finaliza com um link para outras reclamações sobre o Santander no Reclame Aqui, reforçando a ideia de que o problema relatado não é um caso isolado.
