Corte de Apelaciones de Santiago confirmó la sentencia que ordenó a la empresa Cencosud S.A. pagar una indemnización de $2.000.000 (dos millones de pesos) a clienta cuya tarjeta fue utilizada por un tercero para realizar compras por internet.
Published date | 18 October 2018 |
Author | Andres Pumarino |
La Corte de Apelaciones de Santiago confirmó la sentencia que ordenó a la empresa Cencosud S.A. pagar una indemnización de $2.000.000 (dos millones de pesos) a clienta cuya tarjeta fue utilizada por un tercero para realizar compras por internet.
En fallo unánime (causa rol 918-2018), la Primera Sala del tribunal de alzada –integrada por los ministros Leopoldo Llanos, Juan Antonio Poblete y el fiscal judicial Jorge Norambuena– ratificó la sentencia impugnada, dictada por el Vigésimo Tercer Juzgado Civil de Santiago, que acogió condenó a la empresa por actuar negligente.
“Que si bien en el caso de marras la demandada no es una institución bancaria, en su rol de emisora de tarjetas de crédito, directamente o a través de sus sociedades relacionadas, está sujeta igualmente a la fiscalización de la Superintendencia de Bancos e Instituciones Financieras, conforme al artículo 2° de la Ley General de Bancos. Que, por ende, le son aplicables los mismos deberes de resguardo del patrimonio de sus clientes frente a un uso malicioso o fraudulento de sus productos financieros por parte de terceros”, sostiene el fallo de primera instancia.
La resolución confirmada agrega que: “en el caso de marras, los antecedentes daban cuenta que la transacción no fue realizada por la titular de la tarjeta de crédito, demostrando la insuficiencia de los sistemas de seguridad establecidos para la compra de bienes por internet utilizando este producto, según fue aceptado finalmente por la propia demandada al acceder a reversar la compra”.
“(…) ciertamente –continúa–, hay dos aristas por las cuales la actuación de Cencosud puede calificarse como culpable. Por un lado, en la insuficiencia de los sistemas de uso de la tarjeta implementados por Cencosud, permitiendo que un tercero, contra la voluntad de la titular, adquiera productos con cargo a su línea de crédito. Por otra parte, pese a que la demandante puso el hecho en conocimiento de Cencosud a la brevedad posible, sólo tras llevar el caso a otras instancias, alrededor de ocho meses después de los acontecimientos, pudo obtener la anulación del cobro, sin que se hayan agregado...
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