In 2019, the Veracruz education ministry (SEV) cancelled state and federal contracts with dozens of nomína lending companies, including CIEP Procasa de Xalapa and Consupago.
The SEV cancelled contracts with Consupago and CIEP Procasa de Xalapa SA de CV in 2019
The financial consumer protection body CONDUSEF named some of the companies with cancelled contracts in a 2018 letter to the federal education ministry (SEP). In the letter, CONDUSEF reported that teachers and public workers had submitted complaints that “agents” had contacted them and fraudulently obtained their personal information to access credit in workers’ names with various financiers. CONDUSEF described the complaints as meritorious claims. The financial companies referenced in the complaints include Financiera Fortaleza, Kondinero and Consupago (see full list of financiers mentioned in the letter below).
Although the letter concerned complaints by Mexico City teachers and public employees, CONDUSEF stated in the letter that it identified similar issues in Oaxaca, Tamaulipas and Veracruz. The agency recommended the SEP refrain from making paycheck deductions for teachers and other workers until it could determine the origination and authenticity of the credit.
Members of the Chedraui family own Grupo Consupago through Cubo Capital. According to the 2018 annual report for Consubanco, Grupo Consupago in turn owns 99.94% of Consupago and 50% of CIEP Procasa.
Excerpt from Consubanco’s 2018 Annual Report
Complete list of nómina lenders with canceled contracts:
- Financiera Fortaleza SA de CV
- CIEP Procasa de Xalapa SA de CV
- Crediland
- Magistral Agente de Seguros
- Consupago
- Etesa
- Impulsora Promobien
- Fomepade SAPI de CV SOFOM ENR
- Organización Cultural de Chiapas
- Grupo Peben
- Rezza Editores
- Operación y Auditoria
- Edilar
- Yireh & Brokers Agente de Seguros
- Pre15na
- Promotoria VVV
- Aeternam
- Directodo Mexico
- Fideicomiso Global del SNTE 56
- Siempre Efectivo
- Cerro Largo Ediciones
- HINB SA de CV SOFOM NR
- Metlife
- Programa Educativo Nacional SA de CV
- Grupo Peben SA de C.V.
- Org Cult. Chiapas
- Consupago SA de CV SOFOM ER
- Yireh & Brokers Agente de Seguros, SA de CV (Inbursa SA)
- Fomepade
- Finastrategy MX
- Dinerito Audaz SAPI de CV SOFOM ENR
- Credito Facil, HINV SA de CV
- Refinanciamiento Bansefi
- Publiseg SAPI de CV SOFOM ENR
- Visión Maestra (Minerva PEREZ CH)
- Reyan Asesoria Integral
- Especialistas Endescuentos via Nómina DAGO SA
- Financiera Maestra
- Promotoria VVV SAPI de CV SOFOM ER
- Aeternam SAPI de CV (Total Credit)
- Grupo KF SA de CV SOFOM ENR
- Directodo Mex SAPI de CV SOFOM ENR (Kondinero)
- Operacion y Auditoria SA de CV (Crediempleado)
- Emprendedores Tu Comunidad
- Requerimiento Patrimonial SAPI de CV SOFOM ENR
- Siempre Creciendo Finómina
- Fisofo SA de CV SOFOM ENR
- Consorcio Santel SA de CV
- Grupo Editorial Mediterraneo
- Seguro Individual de Ahisa (Aseguradora Hidalgo)
- Ediciones Tratados Y Equipo – SA de CV (Etesa)
- Segudescuentos
- Grupo Nacional Provincial
- Grupo Empresarial Criservan SA
- Programa Educativo Nacional SA de CV
- Intermercado, SA de CV
- Magistral Agente de Seguros SA de CV
- Impulsora Promobien SA de CV (Famsa)
- Siempre Efectivo SA de CV SOFOM ENR
- DXN Express
- Pacto Financiero
Documents: