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Civil Police investigate company that promised credit without consulting the SPC for fraud of fraud


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A company called Bitcoin Brasil Crédito, which has no relationship with a similarly named broker, is being investigated by the 2nd DP of Barueri (SP) for the practice of fraud. The case went to court in São Paulo, but there is still no criminal action in progress.

According to the website of the São Paulo Court of Justice (TJSP), there are two inquiries at the Barueri Civil Police conducting the case, those of numbers 2105022/2020 and 7367787.

It is not yet known what stage the investigation is taking. The case was brought to Judge Fabio Calheiros do Nascimento, of the 2nd Criminal Court of Barueri (SP) on May 19 and on the last 28 a request was filed to extend the term of the police investigation.

The company in question is not a defendant yet as there is no criminal action in progress. What happened was only the communication of the inquiry to the Justice.

Bitcoin Brazil Credit

Bitcoin Brasil Crédito has been identified by victims as a provider of false loans. It has been presenting itself through its website, as a digital platform that acts as a banking correspondent and that would therefore be authorized to grant loans to people.

Despite the name “Bitcoin”, there is no relationship whatsoever with the cryptocurrency industry.

To attract indebted people, the company says it grants credit for negative payments without any bureaucracy. There is not even a consultation at the SPC, regardless of whether the person concerned is retired, a civil servant or an employee. The alleged loan company points out that it has the best rates and that everything can be done 100% online. There is even a credit line for the microentrepreneur.

According to the complaints brought to Reclame Aqui, the company asked for a kind of signal from the victims before granting the loans.

One of them came to narrate the whole situation: she requested a loan of R $ 5,000 and had to pay more than R $ 2,000.

The person, who was negative, filled out the form and provided his details such as CPF, RG, bank details and proof of residence. A man named Marcos Andrade, who would have intermediated the whole process, then communicated that his credit had been approved, but that he would need a guarantor “who has two foreclosed homes in his name and has no restrictions”.

According to the victim, as she did not have this guarantor, she was told that “there was a possibility that I could hire a financial guarantor from the group”. And it is from that point that the coup actually started. He had to pay a guarantor of the company for R $ 369.38.

Afterwards, he theoretically received the loan amount in his account, but with a blocking message. Radi then created a story that the group worked in partnership with a company called Val Pires, which was a foreign insurance company and the money was sent in euros.

Marcos Andrade, to give credibility to his story, put the name of the Central Bank. According to the victim, she would have been informed by Marcos Andrade that she would then have to pay an additional R $ 498.41, because according to the suspect in the coup, “Bacen changed it to real and stayed at the amount of that R $ 867.79, discounting R $ 369.38 that you already made the payment on yesterday's date ”.

More money down the drain

Without thinking and aiming at the loan he needed so much, the alleged victim deposited the amount in the account of a woman named Isabela de Andrade Sousa Lima.

However, yet another block came again. But now the reason would be different: the Federal Revenue would be "preventing the completion of the release due to the DEP (Personal Electronic Expense)". And, in that, more than R $ 1,314.99 were paid. This time for the account of a man named Marcos Antonio Radi.

"I was the victim of a fake Internet loan for negative people," he said.

Another alleged victim warned:

“Do not pay anything to those (Edited by Reclame Aqui) who swear a loan, in the amount you wanted with very low rates, an immense facility. Do not deposit anything into these financial account! ”

What is Bitcoin Brazil Credit

The Bitcoin Portal researched who would be behind Bitcoin Brasil Crédito and found out that it is an individual micro entrepreneur named “Mirian Gonçalves de Araujo 45037264472”, as stated on the website of the IRS.

There is no way to say whether the person “Mirian de Araujo” is in fact the owner of the company or if it was used as an orange, since by the testimony of one of the victims in Reclame Aqui, the accounts used were those of Marcos Antonio Radi and Isabela de Andrade Sousa Lima.

Registered under CNPJ 34.256.006 / 0001-46, the company has no connection whatsoever with the exchange Bitcoin Brasil, which only operates in the crypto market. There is only the coincidence of the names, which must be to give false credibility to people.

To that end, the company mentions being a banking correspondent for institutions such as Família Paulista Companhia Hipotecária, Companhia Piratini, Santana Financeira and Crédito Financiamento e Investimento S / A.

Bitcoin Brasil Crédito even cited Central Bank Resolution 3,954 / 2011 to maintain that it would be authorized to grant loans to people. The fact, however, is that this Bacen rule allows only the legal entities mentioned in the Civil Code to act as bank correspondents and MEI is not included in it.

The report attempted to contact Bitcoin Brasil Crédito, but did not receive any response until the matter was closed.

Bacen explains

O Bitcoin Portal he also approached the Central Bank to explain how authorization works for bank correspondents to operate in the market.

Through its communication advisory, the agency sent a note explaining that these companies cannot grant credit, only intermediate operations, and must also comply with Bacen rules on how to keep all data updated and clear for all interested parties.

“Bank correspondents do not grant credit. Correspondents may be hired by financial institutions to ‘receive and forward proposals for credit and leasing operations granted by the contracting institution, as well as other services provided to monitor the operation’. That is, the credit is granted by the contracting financial institution.

Correspondents act on behalf and under the guidelines of a financial institution, which assumes full responsibility for the service provided to customers and users through the contractor, which is responsible for ensuring the integrity, reliability, security and confidentiality of transactions carried out through contractor, as well as compliance with the legislation and regulations related to these transactions. All the rules for this hiring, including who can be hired, are established in Resolution No. 3,954, of 2011.

The financial institution must maintain on its website the updated list of its contractors, in accordance with regulations.

'Art. 15. The contracting institution must maintain, on a website accessible to all interested parties, the updated list of its contractors, containing the following information:

I – corporate name, trade name, address of the head office and the number of registration in the National Register of Legal Entities (CNPJ) of each contractor;

II – addresses of public service points and respective names and CNPJ registration numbers; and

III – service activities, referred to in art. 8, included in the contract, specified by service point ’."

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