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DICAS E CONCURSOS

Cobranças Indevidas no Cartão de Crédito? Aprenda Como Resolver

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Você costuma checar as faturas dos seus cartões de crédito? Se a sua resposta for não você faz parte da maioria dos consumidores que por ter esse hábito são vitimas fáceis e constantes das cobranças indevidas.

 76949-cobranas-indevidas-no-carto-de-crdito-saiba-como-resolver-1387301197
​Quando o consumidor notar que existe uma cobrança indevida, a primeira coisa que ele deve fazer é entrar em contato com o atendimento da operadora do cartão. Se percebeu que houve uma compra no seu cartão e não  foi você quem a efetuou, é recomendado que entre em contato com a empresa assim que tiver ciência do débito; esse é um dos problemas mais correntes e que tem gerado mais reclamações nos Procons de todos o Brasil . Logo após que entrar em contato com a empresa do cartão anote o número do protocolo e solicite o envio de uma nova fatura sem as cobranças incorretas.
​Em relação às cobranças duplicadas o mesmo deve ser feito. Em algumas vezes, a duplicidade da cobrança se dá por erro da operadora do cartão, mas pode também ser por erro da empresa que forneceu o serviço que enviou por mais de uma vez a mesma cobrança.  Nos dois casos, você deve resolver diretamente com a empresa do cartão de crédito, e em geral elas costumam devolver integralmente os valores cobrados e pagos indevidamente na fatura seguinte, ou seja, a fatura do mês seguinte já virá abatido o valor que você pagou a mais.
​Percebendo o consumidor o problema só depois que pagou a fatura ou a administradora continue cobrando indevidamente, os valores pagos devem ser devolvidos em dobro. A devolução em dobro do valor pago não vale apenas para a o valor da compra, mas também para os impostos tais como IOF e juros.
​Persistindo a empresa em cobrar do cliente a conta, cabe a ela provar que os gastos do cartão foram mesmo realizados pelo cliente. Isso nada mais é do que a inversão do ônus da prova presente no artigo 6º do Código de defesa do Consumidor.
​Se a sua fatura estiver no prazo de vencimento, o correto é que você pague para depois negociar com a administradora do cartão. Você não pode negar-se a pagar argumentando que a fatura está errada. Há um entendimento consolidado nos Procons de que você deve pagar para depois discutir. Isso é uma questão de boa fé.

Por Ohanna Leal,

Bacharela em Direito
Camamu/ BA

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