Operation by PF and CGU Reveals Scheme of R$ 6.3 Billion in Unauthorized Deductions from Retirees and Pensioners. See How to Check Your Statement and Recover Values.
An operation by the Federal Police (PF) and the Comptroller General of the Union (CGU) revealed a large fraud scheme at INSS. Retirees and pensioners had association fees improperly deducted without authorization. The fraud at INSS occurred between 2019 and 2024, according to investigations. The deviations may reach R$ 6.3 billion. This guide shows how to check if you were affected by this fraud at INSS and what to do.
The Billion-Dollar Fraud Scheme at INSS Discovered by PF and CGU
The investigation pointed to a billion-dollar fraud at INSS. Suspected associations charged irregular fees from retirees and pensioners. The deductions were made directly from benefits, without the consent of the beneficiaries. CGU Minister Vinícius Carvalho explained the method.
The involved associations offered supposed services, such as discounts on gyms or health plans. However, they had no real structure to provide these services. Worse yet, beneficiaries’ signatures were often forged to legitimize the deductions. A CGU survey with 1,300 beneficiaries indicated that 97% of them never authorized such deductions, highlighting the scale of the fraud at INSS.
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Step by Step

To find out if you were a victim of the fraud at INSS, the first step is to check your benefit statement. This document details all transactions, including deductions from loans and association fees. Follow the step-by-step guide to access your statement through Meu INSS:
- Access the Meu INSS app or website.
- Log in using your CPF and the password registered on Gov.br.
- Click on the “Benefit Statement” option.
- Then, click on your benefit number.
- The next screen will display the detailed statement.
- Carefully check for any deductions identified as “association fees” that you do not recognize.
How to Cancel Unauthorized Association Fee Deductions
If you identify an association fee deduction that you did not authorize, it is possible to request the removal of this charge. This action directly combats fraud at INSS on your payment. The request can be made online or by phone:
- Through Meu INSS:
- Log in to the “Meu INSS” app with your Gov.br credentials.
- Click on the “new request” button.
- Type “exclude membership” in the search.
- Click on the name of the corresponding service/benefit.
- Read the information on the screen and proceed following the instructions to formalize the request.
- By Calling Central 135: Call 135 and request the service “exclude association fee.”
Blocking Future Unauthorized Charges on Your INSS Benefit
In addition to canceling an existing deduction, you can proactively block your benefit against future association fee charges. This prevents new unauthorized charges related to fraud at INSS from being made by associations. To request the block:
- Access Meu INSS (app or website) with your Gov.br credentials.
- In the search field on the homepage, type “request block or unblock of membership.”
- In the list of results, click on the name of the service/benefit.
- Read the explanatory text carefully and follow the instructions to complete the block request.
Seeking Refund for Fraud at INSS
If you were a victim of fraud at INSS and had amounts improperly deducted, there are several ways to seek reimbursement:
- Contact the Association: Call the 0800 number of the organization responsible for the deduction (the number usually appears on your statement/pay stub) and request a reversal.
- Email to INSS: Send an email to
acordo.mensalidade@inss.gov.brreporting the unauthorized deduction. - INSS Ombudsman: Open a case with the INSS Ombudsman to register the complaint and start the reimbursement process.
- Formal Request at INSS: File a reimbursement request directly through the Meu INSS app or website, or go to an INSS agency.
You can track the progress of your reimbursement request through the Meu INSS app or by calling 135.
Developments from the Operation Against Fraud at INSS
The operation carried out on Wednesday (April 23) by the PF and CGU against fraud at INSS has already brought consequences. A total of 11 association entities were targeted by judicial measures. The contracts of retirees and pensioners with these specific associations were suspended by court order.
As a result of the operation, the president of the National Institute of Social Security (INSS), Alessandro Stefanutto, was dismissed from his position on the same date. The name of his replacement has yet to be announced.

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