Registration in Perasa, SCPC and SPC is already widespread, but what many are unaware is that having a check returned for lack of funds (second presentation) or after closing the account or spurious practice, the consumer is entered in the register of issuers of bad checks, the CCF.
Having the name entered in the register of issuers of bad checks (CCF) can mean difficulties or even restrictions on credit.
Here’s how to tell if your name is included in CCF, how to exclude your name from CCF, and other questions answered by the Unity Savers Bank of Brazil regarding registration of bad check issuers (CCF).
1. What is CCF?
It is a register that has data of issuers of bad checks, operated by Banco do Brasil.
2. How to know if your name is included in CCF?
Anyone can know if it is included in the CCF. Just go to one of the Unity Savers Bank addresses and carry an ID card with your social security number. Financial institutions may also provide this information, and any fees may not be charged for this survey.
With the consultation, the citizen, if included, will know the code number of the institution and agency that commanded the inclusion; the number and amount of the check; the reason for the return; the date of inclusion and the number of occurrences by institution and agency.
3. What are the reasons for including the account holder name in CCF?
If a check is returned for one of the following reasons, the name of the issuer will be automatically included in the CCF:
- reason 12: bad check – 2nd Presentation;
- reason 13: account closed;
- reason 14: spurious practice.
4. When checking account is joint, who will be included in the CCF?
On December 5, 2006, the Unity Savers Bank determined that only the name and respective CPF of the issuer of the check will be included in the CCF. The previous standard provided that the names and respective CPFs of all joint account holders should be included.
Financial institutions had until July 2, 2007 to adapt their systems to include only the issuing holder. Inclusions made based on the previous standardization must be corrected, at the request of the CCF registrant, within fifteen days after the formalization of the request, without charge to the registrants.
5. I closed my account some time ago and now a check that is not mine has appeared, so my name was included in the CCF. What should I do?
The check drawn against a closed account can only be returned for reason 13 (account closed), as well as generate a record of occurrence in the Register of Checkers without Funds (CCF), if the return for any other reason is not applicable. Thus, before returning the check for reason 13, the bank must first check whether the signature is authentic, if the check is not prescribed, if the check is not fraudulent, among others.
If the account holder name was wrongly included in the CCF, it is up to the bank that made the request to the deletion request at the cost to the customer.
6. What are the CCF occurrence exclusion procedures?
Deleting occurrences of the CCF should be requested directly from the submitting agency. When this branch belongs to a bank under extrajudicial liquidation, ordinary liquidation or bankruptcy or undergoing a process of transformation in which there is no indication of successor, the deletion should be requested from the nearest Banco do Brasil branch. If the branch has been closed but the bank is still operating in another location, the bank’s headquarters should be sought.
The client must prove, with the agency that originated the inclusion, the payment of the check that originated the occurrence.
When requesting the deletion, the client should remember to ask the bank to receive the letter of request and keep it until the process is completed.
7. How can the customer prove the payment of the check that caused the occurrence?
Payment can be evidenced by the delivery of the check that gave rise to the occurrence or the statement of the account (original or copy) showing the debit of the check that gave rise to the occurrence.
If these documents cannot be presented, the beneficiary’s declaration must be submitted, giving discharge to the debt, duly notarized or endorsed by the endorsing bank, accompanied by a copy of the check that gave rise to the occurrence, as well as negative certificates from the protest offices. relating to the check on behalf of the issuer.
8. How to locate the payee of the check?
The depositing payee of the check must be located, ie the one who actually presented the check to the financial institution for deposit or withdrawal. This is because the person who initially received the check may have passed it on to third parties.
At your bank, you can get a copy of the check that contains the number of the financial institution, branch, and account of the person who presented the check.
With this information and upon presentation of the copy of the check, it is possible to obtain, from the beneficiary’s bank, the full name and residential and commercial addresses of its customer, provided that this transfer has been formally authorized.
9. What is the deadline for the bank to exclude the account holder name from the CCF?
Once the payment has been confirmed, the bank cannot fail to examine and command, within a maximum of five working days, from the date of delivery of the customer’s request, the deletion of the account holder name. The performer of the system will have a maximum of five business days to consolidate CCF occurrence inclusions and exclusions.
Any occurrence is automatically excluded after five years of its inclusion. If your name was wrongly included, by bank error, the bank should promptly delete it.
10. What to do if my application for rejection is rejected?
If the agency rejects the request for exclusion, it must formally communicate the decision to the account holder, stating that any appeal may be submitted to the bank’s own administration.
When the rejection is maintained or in cases where the above deadlines are not respected, the account holder shall have recourse to the Unity Savers Bank of Brazil.