An ombudsman that resolves claims against banks

[Himon2413]

If a bank or financial institution does not provide a response that satisfies a user's claim, the user can turn to the Financial Customer Ombudsman (DCF), which resolves the problem in a minimum of three days or a maximum of 60.
The head of this entity, Graciela Fernández-Baca, maintains that, in the last five years, institutions have returned S/.4,500 million to their clients as a result of the management of the DCF.
"When a user does not agree with what 1000 number screening happens in his or her checking, savings or credit card account, he or she should file a complaint with the bank itself," said the executive.
If, after 30 days, the company has not made a statement or if you are not satisfied with the decision, "come to us," says Fernández-Baca.
TAKE CARE OF YOUR PLASTIC The DCF was created in 2003 and has received around 10,000 complaints so far. 54% were resolved in favour of consumers.
The other 46%, Fernández-Baca reports, were not assisted by the banks because the problems arose in commercial establishments, such as appliance stores, restaurants, among others.
"These stores don't require ID, and that's where the problems arise," he says. Users also don't take care of their cards. Some write their PINs on the back and others don't report thefts.
In fact, 70% of the complaints to the DCF are about problems with credit cards; the rest are about the interest charged, the penalty for early payment of mortgage loans and promotions.
The executive explains that 70% of the cases are filed by women "because they are more responsible and have the habit of keeping their payment receipts, something that does not happen frequently with men."