{"id":24147,"date":"2023-09-22T21:03:57","date_gmt":"2023-09-23T03:03:57","guid":{"rendered":"https:\/\/informante.mx\/?p=24147"},"modified":"2024-04-03T21:24:04","modified_gmt":"2024-04-04T03:24:04","slug":"el-banco-bonachon","status":"publish","type":"post","link":"https:\/\/informante.mx\/?p=24147","title":{"rendered":"El banco bonach\u00f3n"},"content":{"rendered":"\n
<\/div>\n\n\n\n

Teresa Carbajal<\/strong><\/h2>\n\n\n\n

As\u00ed le llamo porque sin aceptar los errores en que incurri\u00f3 por no atender el aviso oportuno de robo de tarjeta de d\u00e9bito de una cuentahabiente, decidi\u00f3 devolverle sin ir a juicio la suma reclamada como robada de su cuenta de ahorros.<\/p>\n\n\n\n

Les pongo en contexto, hace un par de meses una profesora xalape\u00f1a fue v\u00edctima de la inseguridad que se vive en los cajeros autom\u00e1ticos por falta de vigilancia y de condiciones de seguridad que deben atender las instituciones de cr\u00e9dito que prestan esos servicios, en d\u00f3nde a plena luz del d\u00eda y sin ser quincena fue abordada por una persona que haciendo uso de violencia psicol\u00f3gica y enga\u00f1o, abus\u00f3 de su edad adulta mayor logrando despojarla de su tarjeta.\u00a0<\/p>\n\n\n\n

Narra la v\u00edctima que unos minutos despu\u00e9s de la confusi\u00f3n que se suscit\u00f3 en el cajero, y queriendo recuperar la serenidad, volvi\u00f3 al cajero autom\u00e1tico esperando lo peor, sin embargo, al momento de introducir la tarjeta la pantalla arroj\u00f3 la leyenda de tarjeta bloqueada, pero sin retenerla se la devolvi\u00f3.\u00a0<\/p>\n\n\n\n

Enseguida y con el deseo de volar, cruz\u00f3 la calle en donde se encontraba la sucursal mas cercana del banco, apenas pudo explicar lo que hab\u00eda sucedido; los hechos consist\u00edan en que una persona le brind\u00f3 ayuda en el cajero y le refiri\u00f3 que su sesi\u00f3n no estaba cerrada, as\u00ed le indic\u00f3 teclear su nip<\/em> y apenas lo hizo, el atacante retir\u00f3 sin su autorizaci\u00f3n el pl\u00e1stico devolvi\u00e9ndoselo a la mano.\u00a0<\/p>\n\n\n\n

Recuerda con tristeza y a la vez con coraje, que el ejecutivo que la atendi\u00f3 la hizo firmar muchos papeles, estampar huellas y casi, casi, d\u00e1ndole una palmada al hombro, le dijo que nada hab\u00eda pasado y que si bien le robaron su tarjeta en el cajero la persona que le cambi\u00f3 su tarjeta (por otra robada), no hab\u00eda consumado el atraco.<\/p>\n\n\n\n

As\u00ed, con el alma de regreso al cuerpo, al saber que su dinero estaba \u00edntegro se retir\u00f3 a casa, sabida que al d\u00eda siguiente deb\u00eda volver a la sucursal para la activaci\u00f3n de su nueva tarjeta que le dieron de reemplazo.\u00a0<\/p>\n\n\n\n

Por la tarde, a\u00fan estresada por el evento, pero tranquila de haberse dado cuenta a tiempo para hacer el reporte del robo, descansaba cuando a su celular llegaban los avisos de dos retiros importantes de dinero de su cuenta bancaria, cuyo medio de disposici\u00f3n hab\u00eda sido la tarjeta robada.\u00a0<\/p>\n\n\n\n

\u00a1Pero como es posible esto!, las horas de esa noche parec\u00edan no terminar, pues por su parte hubiera querido que la noche se transformara en d\u00eda para llegar a la sucursal y saber qu\u00e9 hab\u00eda pasado, \u00bfpor qu\u00e9 el banco hab\u00eda permitido la salida de su dinero a pesar de haber dado el aviso de robo de su pl\u00e1stico? Tr\u00e1mite que se acreditaba con la expedici\u00f3n de una nueva tarjeta, que n\u00f3tese, aun no estaba activada.\u00a0<\/p>\n\n\n\n

Mi apreciada Maestra termin\u00f3 en estr\u00e9s financiero, por el robo de su dinero, necesitando ayuda psicol\u00f3gica para poder comprender el hecho y sentir miedo e incertidumbre constante por saber que, en cualquier momento, alguien pod\u00eda retirar mas dinero de su cuenta sin su autorizaci\u00f3n y sin que su banco hiciera nada.<\/p>\n\n\n\n

As\u00ed las cosas, fuimos a parar a la Condusef pues el banco se neg\u00f3 en primera instancia (aclaraci\u00f3n directa del cliente, a trav\u00e9s del mismo banco) y en segunda (planteamiento de la queja en Condusef v\u00eda electr\u00f3nica) a reconocer que previo aviso oportuno del robo de la tarjeta -dentro de las 48 horas siguientes al hecho- no hizo nada por bloquear la tarjeta para que, quien ten\u00eda en su poder el pl\u00e1stico robado no pudiera utilizarlo.\u00a0<\/p>\n\n\n\n

Y digo fuimos, porque la Maestra me permiti\u00f3 acompa\u00f1arla en este proceso que no debiera ser dif\u00edcil para nadie, total que ante la negativa y en v\u00edas de preparar el juicio solicitamos la audiencia para que el banco diera una soluci\u00f3n y un dictamen completo conforme a las disposiciones aplicables vigentes acerca del por qu\u00e9 se negaba a pagar el dinero robado por su descuido.<\/p>\n\n\n\n

Ese d\u00eda de la audiencia el Banco por conducto de su apoderado, lleg\u00f3 con la instrucci\u00f3n de conciliar y satisfacer el pago reclamado por parte de la usuaria, eso s\u00ed, sin reconocer que se le dio el aviso a tiempo, pues seg\u00fan dec\u00eda no constaban en el banco los registros del reporte, porque de todo lo que le hicieron firmar, ni una copia le dieron.\u00a0<\/p>\n\n\n\n

Saque Usted sus propias conclusiones, \u00bfFue o no fue, \u201cbuena onda\u201d el banco?<\/p>\n\n\n\n

\u00danase ya, a la Jornada Estatal para la Defensa del Patrimonio Familiar 2281148502 visite\u00a0 www.elbarzonrc.org<\/a><\/p>\n\n\n\n

Contacte elbarzonrc@yahoo.com.mx<\/a>, O s\u00edgame en @terecarbajal.<\/p>\n\n\n\n

\n","protected":false},"excerpt":{"rendered":"

Por: Teresa Carbajal<\/p>\n","protected":false},"author":1,"featured_media":23683,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","jetpack_post_was_ever_published":false,"footnotes":""},"categories":[13,97],"tags":[23,74,75],"class_list":["post-24147","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-columnas","category-debo-no-niego-pago-lo-justo","tag-columnas","tag-debo-no-niego","tag-teresa-carbajal"],"yoast_head":"\nEl banco bonach\u00f3n - Informante.mx<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/informante.mx\/?p=24147\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"El banco bonach\u00f3n - Informante.mx\" \/>\n<meta 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