Credit no INSS returnee: what is it and what to do?

Something that has happened to many INSS beneficiaries is accessing their account and receiving the message "credit not returned." At this point, the question always arises about what this means and what to do.

Furthermore, when receiving this error, the amount of money does not appear in the beneficiary's account, which can cause immediate despair.

Therefore, in this article, we have gathered all the information you need to know when you receive a message about unreturned credit and how to proceed in this case to avoid any problems.

Follow our article to learn more about what to do in the event of non-returned credit.

See here:

• What to do in case of non-returned credit?
• What to do to avoid future unreturned credits?

Unreturned credit: what is it?

Simply put, “unreturned credit” indicates an error in the INSS system, where the credit is deposited by the system, but the beneficiary has not received any amount from their insurance in the registered account.

In other words, the INSS system has information that the money was sent to the beneficiary, but the beneficiary hasn't received any funds in their account. An error occurred during the sending and receiving process.

While this situation causes concern for many individuals, it's important to emphasize that this error is recurrent, often resulting in delays in receiving benefits. The error is caused by the system itself, and action is required to receive the funds.

This scenario, although worrying, is a common occurrence, highlighting the need for attention from the responsible bodies to correct and expedite such processes, ensuring the timely and effective transfer of benefits to recipients.

What to do in case of non-returned credit?

If you're accessing your benefit to withdraw funds and then notice a message that your funds haven't been returned, don't panic. There are several steps you can take to resolve your issue.

The first step is to obtain a statement of the account so that the error is documented and you can analyze what happened. From there, you should submit a correction request to have the error resolved.

Once you have proof of the error and that you have not received your money, you must immediately contact the INSS so that you can request the deposit of your money and, thus, receive your benefit.

By taking this action, it is possible to receive the money from the unreturned credit.

Will I receive the amount of the unreturned credit?

As we mentioned earlier, when you receive a message about unreturned credit, it means that you haven't received the money in your account and, therefore, you have to find a solution for this.

When you request the unreturned credit amount from the INSS, the system will analyze the error and you will receive the refund back in your account. However, you need to be careful, as there is no time limit for receipt.

If you have information about a non-returned credit, you must immediately request that the money be deposited again so that you can receive your insurance correctly in your account.

How do I proceed to receive the amount of unreturned credit?

When the credit is not returned, it becomes imperative to contact the institution to request the deposit to be made, ensuring the recovery of the amount that was not deposited as expected.

This process can be carried out quickly and conveniently online, following the steps below:

• Download the Meu INSS app on your device, available for Android and iOS;
• Log in using your CPF and account password gov.br;
• Select the option “New Request”;
• Access the section “Updates to Benefit Maintenance and Other Services”;
• Choose the option “Request Issue of Payment Not Received”;
• Proceed with the instructions for correctly submitting your scanned documents;
• Complete the process by submitting the documentation to the system and wait for the request to be analyzed.

By following these steps, the insured will be efficiently completing the procedure to request payment of the unreturned credit, ensuring an appropriate response from the INSS.

If you do not wish to make the request online, you can seek help from the bank branch where you receive your benefit for guidance on how to proceed.

You can also go to a physical INSS branch to make the request. In this case, have all the documents and proof on hand so you can request the return of the money you should have received.

It's worth remembering that there is no forecast and that the INSS analyzes what the error was so that it can then return the money to your account.

What can I do to avoid unreturned credit?

Although it's a common mistake and occurs due to several factors, there are some steps you can take to avoid this type of problem. One of them is following your payment schedule.

Deposits allocated to beneficiaries follow an annual schedule established by the INSS, outlining the payment table.

However, it is crucial to note that the amount must be withdrawn from the account within 60 days; otherwise, the money will be returned to the INSS coffers.

To prevent non-returned credit, it is essential to carefully monitor payment dates and perform regular checks on your bank account.

This way, if you don't see your benefits arrive on the designated date, you'll be able to identify the error promptly. In this context, it's advisable to initiate the payment request process directly with the INSS (National Institute of Social Security), ensuring a swift and effective resolution to the situation.

In other words, keeping your account up to date, tracking payments received, and knowing when you should receive your next payment helps you monitor your account and prevent errors from occurring and you from not seeing them.

So, if the system gives this type of error, you can make the request immediately and receive your insurance refund.