Fourteen years of unauthorized charges, now a path to refund
Por quatorze anos, milhões de correntistas do Itaú foram cobrados por seguros que jamais contrataram — uma violação silenciosa e sistemática que só agora encontra reparação formal. Em acordo firmado com o Ministério Público de Minas Gerais e o Idec, o banco se comprometeu a ressarcir clientes em todo o Brasil afetados entre 2011 e 2025, sob pena de multas diárias de R$ 10 mil por descumprimento. O episódio revela como práticas abusivas podem se perpetuar por décadas antes que a pressão institucional force uma correção — e levanta a questão de quantos ainda não sabem que têm direito à restituição.
- Durante 14 anos, o Itaú cobrou clientes por seguros não contratados, e alguns continuaram sendo debitados mesmo após pedirem o cancelamento.
- O acordo com o MPMG e o Idec impõe ao banco obrigações que vão além do reembolso: transparência, canais de atendimento claros e uma campanha nacional de comunicação.
- Multas de R$ 10 mil por dia por violação pressionam o banco a cumprir os termos — mas a ausência de resposta do Itaú à imprensa antes da publicação gera dúvidas sobre a velocidade da adesão.
- Clientes que comprovem cobranças indevidas e tenham registrado reclamação até 18 de dezembro de 2025 podem solicitar ressarcimento por e-mail, telefone, Procon, consumidor.gov.br e outros canais.
- A partir do início da campanha de divulgação, os afetados terão dois anos para acionar o banco — e quem descobrir o problema agora ainda pode pedir cancelamento, reembolso ou recorrer à Justiça.
Em 29 de maio de 2026, o Ministério Público de Minas Gerais anunciou que o Itaú aceitou ressarcir clientes de todo o Brasil cobrados indevidamente por seguros não contratados ao longo de quatorze anos — de junho de 2011 a dezembro de 2025. O acordo nasceu de uma ação civil movida pelo Programa de Proteção e Defesa do Consumidor do MPMG em conjunto com o Idec, e prevê multas diárias de R$ 10 mil por cada violação caso o banco descumpra os termos.
A infração era direta: o Itaú debitava seguros sem o consentimento dos correntistas, contrariando o Código de Defesa do Consumidor. Em alguns casos, as cobranças continuaram mesmo após pedidos de cancelamento. Agora, o banco não apenas deve devolver os valores — precisa também criar canais de comunicação claros, implementar medidas de transparência e lançar uma campanha nacional em grandes jornais, no próprio site, no Instagram e junto aos órgãos de defesa do consumidor.
Para ter direito ao ressarcimento, o cliente precisa reunir três condições ao mesmo tempo: comprovar a cobrança indevida, ter registrado reclamação até 18 de dezembro de 2025 e não ter recebido compensação anterior pelo mesmo débito. Os pedidos podem ser feitos pelo e-mail evidenciascontratacaoseguros@correio.itau.com.br ou pelo telefone 3004-8428, com documentação das cobranças e dados bancários para o reembolso. O pagamento pode ser feito via PIX, TED, depósito ou crédito em cartão — e, para quem não tem conta ativa no banco, os valores podem ser repassados pelo Sistema de Valores a Receber.
O acordo também regula cobranças futuras: qualquer novo seguro exige autorização prévia explícita, com notificação por SMS, WhatsApp ou e-mail. Cancelamentos devem ser processados até o terceiro ciclo de cobrança. O Itaú ainda terá de divulgar relatórios públicos com o número de pedidos recebidos, clientes ressarcidos e valores pagos. Procurado, o banco não se manifestou antes da publicação — o que deixa em aberto se agirá com agilidade ou se as multas diárias serão o verdadeiro motor do cumprimento.
On May 29, 2026, Brazil's Public Ministry in Minas Gerais announced that Itaú, one of the country's largest banks, had agreed to reimburse customers nationwide for insurance charges they never authorized. The settlement covers a fourteen-year span—from June 13, 2011, through December 18, 2025—during which the bank systematically charged account holders for insurance policies they did not contract. The agreement emerged from a civil lawsuit brought by the Consumer Protection and Defense Program within the Public Ministry and by Idec, a consumer advocacy organization. If Itaú fails to honor the terms, it faces daily penalties of ten thousand reais for each violation.
The core violation was straightforward: Itaú charged customers for insurance without their consent, violating Brazil's Consumer Protection Code. Some customers continued to be billed even after requesting cancellation. The bank's obligation now extends beyond simple refunds. It must implement transparency measures, establish clear communication channels, and notify the public through a national campaign spanning major newspapers, its website, Instagram, and direct outreach to consumer protection agencies. The scope is potentially enormous—the agreement applies to every Itaú customer account in Brazil affected by these unauthorized charges during the fourteen-year window.
To qualify for reimbursement, customers must meet three conditions simultaneously: they must have evidence of being charged for uncontracted insurance or for coverage maintained after cancellation; they must have filed a complaint by December 18, 2025; and they must not have already received compensation for the same charges. The bank accepts complaints through multiple channels—Procon offices, the federal consumer portal (consumidor.gov.br), the Public Ministry, Public Defender's Office, Idec for members, Reclame Aqui, and direct contact with Itaú itself. Customers who discover the problem now can still act: they have the right to request cancellation, seek reimbursement, or pursue legal action if necessary.
The process for requesting money back is designed to be accessible. Customers can submit claims via email at evidenciascontratacaoseguros@correio.itau.com.br or by phone at 3004-8428. They must provide documentation proving the charges, records of any previous complaints, and banking details for the refund. Once the bank's national awareness campaign begins, customers will have two years to file their claims. Payment can be made through multiple methods—PIX, bank transfer (TED), direct deposit, or credit to a card. For those without an active Itaú account, funds can be distributed through the Sistema de Valores a Receber (SVR) or via payment order.
The agreement also addresses ongoing violations. For any unauthorized insurance charges occurring after December 2025, the bank must obtain explicit prior authorization, notify customers via text message, WhatsApp, or email about any new coverage, and make cancellation straightforward. If charges continue after a customer requests cancellation, Itaú has until the third billing cycle to reverse them. The bank must also publicly report on its compliance—the number of reimbursement requests received, the number of customers compensated, and the total amounts paid out. When Itaú was asked for comment, the bank did not respond before publication. What remains to be seen is whether the institution will move quickly to notify affected customers and process claims, or whether the ten-thousand-real daily penalties will become necessary to enforce compliance.
Citas Notables
The bank violated the Consumer Protection Code by charging tariffs without consent and maintaining charges after cancellation requests— Public Ministry of Minas Gerais (MPMG)
La Conversación del Hearth Otra perspectiva de la historia
Why did this take so long to surface? These charges started in 2011.
The violations accumulated quietly across millions of accounts. It took years of consumer complaints funneling through Procon, Idec, and the courts before the pattern became undeniable enough to force a settlement.
Who actually benefits from this agreement? Is it just the wealthy customers who kept records?
No—the agreement is broader than that. You don't need to have filed a complaint yourself; you just need evidence of the charge. That could be a bank statement, a credit card bill, anything showing the debit. The burden shifts to proving you were charged, not proving you complained.
Two years sounds like a tight window. Will most people even know to apply?
That's the real test. The bank has to run a national campaign—newspapers, social media, their website. But awareness campaigns don't reach everyone. Some people will miss it entirely. Others will see it and assume it's too complicated to bother.
What if Itaú just ignores the penalties? Ten thousand a day sounds like a lot, but for a bank that size?
It adds up fast—three hundred thousand a month per violation. And the agreement requires public reporting, so non-compliance becomes visible. The Public Ministry can escalate enforcement. But you're right that the real pressure is reputational and legal, not just financial.
What about people who already got their money back through other complaints?
They're excluded. The agreement doesn't double-compensate. If you already won a case or received a refund through Procon, you don't get paid again.
So this is really about the people who suffered the charges but never knew how to fight back.
Exactly. It's a second chance for them—a path to compensation that doesn't require hiring a lawyer or navigating the courts alone.