Juzgado Civil de Santiago condenó a BancoEstado a pagar una indemnización a víctima de fraude informático del año 2011
Published date | 24 September 2018 |
Author | Andres Pumarino |
El Vigésimo Cuarto Juzgado Civil de Santiago condenó a BancoEstado a pagar una indemnización total de $13.200.000 (trece millones doscientos mil pesos) a cuentacorrentista que fue víctima de fraude informático en 2011.
En el fallo (causa rol 16.384-2015), la magistrada Patricia Ortiz von Nordenflycht acogió la acción judicial deducida, tras establecer el actuar negligente del banco, el que deberá pagar $12.000.000 (doce millones de pesos), por daño moral, y $1.200.000 (un millón doscientos mil pesos), por lucro cesante, a la demandante.
“(…) las obligaciones del banco en los contratos de cuenta corriente bancaria y de sobre giro, resulta de manifiesto y conforme lo prevenido en el artículo 1546 del Código Civil, que el hecho de permitirse en los mismos operaciones electrónicas, obliga al banco, de acuerdo al principio de buena fe y de las obligaciones que emanan de la naturaleza del contrato, a tomar todas las providencias que fueren necesarias, para evitar que terceros extraños hicieran uso o se aprovecharan de los fondos custodiados por el banco, que pertenecieren al comitente, o de la línea de sobregiro asignada a la actora, debiendo por su parte, la cuentacorrentista, tomar las providencias para resguardar sus claves de acceso a los medios electrónicos”, sostiene el fallo.
La resolución agrega que: “por otra parte, debe considerarse, también, lo establecido en el Capítulo 1-7 de la Recopilación Actualizada de Normas de la Superintendencia de Bancos e Instituciones Financiera que regula, en forma especial, la transferencia electrónica de información...
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