The article discusses the grievances of users who have contracted the Credcesta card, originally offered to public sector employees and later extended to retirees receiving pensions from the INSS (National Institute of Social Security) through Banco Master. Users have reported discrepancies in their salary deductions, claiming that unexpected charges have appeared, including fees for credit cards they never used, insurance policies, or refinancing agreements they did not authorize. This has raised concerns about transparency and customer consent regarding these deductions.

In addition to the unauthorized deductions, individuals have experienced relentless marketing calls from the company, often featuring offers to lower interest rates or provide additional funds, but not providing clear explanations about how these refinancing options work. Professors and retirees from various Brazilian states have voiced their frustrations over these practices, which not only complicate their financial situation but also contribute to anxieties about their financial security and the legitimacy of the services being offered.

The situation highlights broader issues within the financial service industry in Brazil, especially regarding the treatment of vulnerable populations such as retirees or public employees. The burgeoning number of complaints suggests a pressing need for regulatory oversight to ensure that financial institutions like Banco Master adhere to ethical practices when marketing credit products, with an emphasis on informed consent and clear communication about financial obligations for their customers.