Sentencia: CS confirmó sentencia que rechazó protección deducida contra Banco de Chile por cliente que fue víctima de un fraude informático.
Published date | 14 February 2018 |
Author | Andres Pumarino |
En fallo unánime, la Corte Suprema confirmó la sentencia de la Corte de San Miguel, que rechazó la acción de protección deducida por una empresa inmobiliaria contra el Banco de Chile, debido a que fue víctima de un fraude informático en su cuenta corriente por la suma de $30.000.000, lo que vulnera el derecho de propiedad.
Cabe recordar que, en su sentencia, la Corte de San Miguel indicó que, del conjunto de los antecedentes, no se logra dilucidar el carácter indubitado del derecho que se reclama. En efecto, el derecho fundante del recurso no se encuentra indubitado, al cuestionarse conforme a los hechos, una supuesta falta de eficacia de obligaciones de parte de la institución bancaria recurrida al no resguardar los fondos de la cuenta corriente del recurrente, materia más bien, que se ha de conocer en un juicio ordinario de lato conocimiento, o ser materia de un juicio penal en virtud del engaño sufrido; no constituyendo ésta la vía al tratarse la acción de protección de un recurso extraordinario.
Asimismo, en cuanto a la ilegalidad que se reprocha, esta no aparece de los antecedentes del proceso, ni se colige de las afirmaciones de las partes, por cuanto quedó claro que la recurrente intentó ingresar a la página web del Banco a través del historial guardado en su teléfono celular mediante un formato irregular, produciéndose en ella la intervención de terceros a través de la operación llamada “phishing”, por consiguiente, no lo hizo mediante la página web oficial del Banco; y con ellocabe concluir que la página del Banco no fue la vulnerada, razón misma por la cual no resulta apropiado afirmar, que el Banco haya incurrido en un acto ilegal, puesto que el acto que se reclama tuvo...
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