Customers report non-existent debts attributed to BRB after the liquidation of Master and Will Bank.

247 - Customers who had relationships with Banco Master and Will Bank claim that debts have been registered in their names in the Central Bank's Credit Information System (SCR), even after payment or without ever having contracted the debts. The cases came to light when consumers accessed Registrato, a tool that gathers financial data sent by institutions to the Central Bank, and identified outstanding debts attributed to Banco de Brasília (BRB), according to [source missing]. G1.

The problem arose after the extrajudicial liquidation of Banco Master and Will Bank, amidst investigations conducted by the Federal Police into an alleged scheme of billion-dollar fraud involving the sale of credit portfolios considered to be of low quality. According to investigations, BRB allegedly acquired approximately R$ 12 billion of these portfolios, belonging to the bank controlled by Daniel Vorcaro, which would have led to the transfer of customer data that are now receiving collection notices.

When contacted, BRB stated that it stopped receiving the necessary information from the liquidator to update the status of operations after Will Bank ceased operations. In a statement, the bank explained that, according to contractual rules, the institution that originally granted the credit is responsible for monitoring payments and transferring the funds. “After the liquidation, this flow has not yet been resumed by the liquidator, so BRB does not yet have sufficient information to write off the operations. For this reason, some contracts appeared as active or delinquent in the Credit Information System (SCR), even though they had already been paid at the originating bank,” the institution informed.

G1 attempted to contact Eduardo Bianchini, the liquidator appointed by the Central Bank for Will Bank and Banco Master, but received no response by the time of the last update to this report.

Experts explain that the transfer of loan portfolios is a common practice in the financial system, but it involves clear responsibilities. According to Fabio Braga, partner in the banking and finance area of ​​the Demarest law firm, "it is common for banks and financial institutions to sell, transfer or assign portfolios as part of their negotiations," a process in which it is also defined who will be responsible for managing the payments.

Professor Pedro Ramunno, a business law professor at Mackenzie University, emphasizes that the law requires formal notification to the consumer when there is a transfer of credits. "The idea is for the consumer to know who they should pay. Without this notification, the assignment does not produce all its effects," he stated. He adds that this communication must be proven in writing, whether by email, letter, or other means that demonstrate the debtor's awareness.

There is disagreement, however, regarding ultimate responsibility for incorrect records. According to Bruno Balduccini, partner at Pinheiro Neto Advogados, the acquiring bank assumes the duty to correctly classify new clients in its risk reserves. "The update must be immediate, because the acquiring bank now has new clients who need to be classified," he said. Similarly, Gustavo Kloh, professor at FGV Direito Rio, states that BRB cannot transfer responsibility. "BRB cannot claim that a third party is responsible for the registration of undue debts. The bank needs to provide correct information to the consumer and cannot register an erroneous credit situation," he explained. "It may not be at fault for the problem, but it is responsible for presenting a solution," he added.

The impacts on consumers are already concrete. One of the clients interviewed reported having a mortgage denied due to an overdue debt registered in their name. Even after filing a complaint with BRB's ombudsman, the undue installments, totaling approximately R$ 10, continued to appear as pending.

Complaint platforms are also registering a significant increase in complaints. In January of this year alone, the Reclame Aqui website recorded around 100 similar reports. Between August and December 2025, there were 324 complaints, compared to 76 in the same period of 2024, a growth of 326%. Many of them report debts attributed to BRB without the consumers having had any relationship with the bank.

One of the records states: “Upon checking my financial history, I identified an overdue debt with Banco BRB in the amount of R$ 19.600,07, which I do not recognize. [...] The information available in the Registrato indicates that it is a debt related to a credit card, however I have never had a card with BRB.” Another client reported that, even after an agreement was reached with Will Bank, the debt continued to appear as overdue in the Registrato under the name of BRB.

According to experts, consumers should seek detailed written information about the contract, the updated amount, and the origin of the debt. “If there is no contract, it is an improper charge. In these cases, the consumer should formally complain to the institution, generate a protocol number, and demand that the charges be stopped,” advised Ramunno. If an administrative solution is not reached, legal action may be necessary, as Kloh pointed out.

In its official statement, BRB affirmed that it has conducted internal reconciliations, formally requested the liquidator to resume sending information, and is prepared to correct the data immediately upon receiving a response. The bank also emphasized that the purchase of the portfolios followed contractual rules and that all credit operations are registered in the SCR (Credit Information System), while it monitors the process to normalize the situation.

Note from BRB: 

BRB informs that, following the liquidation of Will Bank, it stopped receiving the necessary information from the liquidator regarding the transfer and settlement of assigned credit operations. According to the contractual rules, the bank that originated the credits must monitor the payments and subsequently send the corresponding data and amounts to BRB.

After the settlement, this flow has not yet been resumed by the liquidator, so the Bank does not yet have sufficient information to write off the transactions. For this reason, some contracts appeared as active or delinquent in the Credit Information System (SCR), even though they had already been paid at the originating bank.