CORTE DE SANTIAGO ORDENA A BANCO RESTITUIR FONDOS SUSTRAÍDOS VÍA FRAUDE INFORMÁTICO
Published date | 01 August 2019 |
Author | Andres Pumarino |
La Corte de Apelaciones de Santiago acogió el recurso de protección presentado por cuentacorrentista y ordenó a BancoEstado restituir los fondos sustraídos por medio de un fraude informático.
En fallo unánime (causa rol 19.059-2019), la Primera Sala del tribunal de alzada –integrada por el ministro Leopoldo Llanos, el fiscal judicial Daniel Calvo y el abogado (i) Cristián Lepin– acogió la acción cautelar, tras establecer que el banco recurrido violó el deber de custodia de los fondos sustraídos a titular de cuenta corriente.
“Que conforme a lo anteriormente dicho, los dineros sustraídos de una cuenta corriente bancaria a través de un fraude informático, utilizando las claves de acceso a la misma y sin el consentimiento de su titular, como ocurre en la especie, no corresponden a caudales específicos del cuenta correntista, por tratarse del depósito de un género y no de cuerpos ciertos, que además son bienes fungibles (Art. 575 del Código Civil), esto es, las especies monetarias empleadas para la satisfacción de lo debido están dotadas de igual poder liberatorio y pueden reemplazarse unas a otras o recíprocamente en la ejecución de las obligaciones”, sostiene el fallo.
La resolución agrega que: “por tales motivos, aun cuando el fraude informático se haya ejecutado mediante el uso irregular de los datos y claves bancarias personales de la empresa recurrente, lo sustraído es dinero, bien fungible, con lo que resulta no sólo jurídica sino físicamente imposible sostener y menos acreditar la exacta identidad de las especies sustraídas mediante el fraude perpetrado, circunstancia que lleva a concluir que en definitiva el único afectado por el engaño referido es el banco recurrido, dada su calidad de propietario del dinero depositado, en quien recae finalmente el deber de eficaz custodia material de éste, debiendo adoptar, al efecto, todas las medidas de seguridad necesarias para proteger adecuadamente el dinero bajo su resguardo”.
“Así ha...
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