Unauthorized fees and services
Itaú
Did Itaú charge fees or services you did not contract? See how to dispute them and recover amounts paid.
What to do, step by step
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Review statements and identify charges you do not recognize.
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Dispute the charges through Itaú official channels and keep the protocols.
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If there is no solution, file a complaint with Banco Central and on consumidor.gov.br.
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Request cancellation of the unauthorized service and reimbursement of amounts paid.
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Charges without agreement may lead to double reimbursement (art. 42 of the CDC).
Frequently asked questions
Can the bank charge a fee without my signature?
No. Fees and service packages require express agreement. Charges without agreement are wrongful and must be returned.
Are unrecognized deductions such as "insurance" or "capitalization" refundable?
Yes. Products bundled without consent (tying) are prohibited by the CDC (Brazilian Consumer Protection Code), and amounts may generally be recovered in double.
How do I recover amounts deducted years ago?
The general restitution period is up to 5 years. Gather statements for the period; you may request them from the bank itself.
Need a lawyer?
If administrative measures did not solve it, we can review your case.