{"id":21737,"date":"2025-12-09T09:47:54","date_gmt":"2025-12-09T08:47:54","guid":{"rendered":"https:\/\/www.cudosconsultors.com\/?p=21737"},"modified":"2025-12-09T09:51:40","modified_gmt":"2025-12-09T08:51:40","slug":"banca_online","status":"publish","type":"post","link":"https:\/\/www.cudosconsultors.com\/en\/banca_online\/","title":{"rendered":"Han accedido a su banca digital y han realizado cargos no consentidos en la misma. \u00bfPuede reclamar al banco?"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container hundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;border-width: 0px 0px 0px 0px;border-color:#e2e2e2;border-style:solid;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch\" style=\"width:calc( 100% + ) !important;max-width:calc( 100% + ) !important;margin-left: calc(- \/ 2 );margin-right: calc(- \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-center fusion-content-layout-column\" style=\"background-position:center top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;background-color:#002169;border-width: 0px 0 0px 50px;border-color:#002169;border-style:solid;padding: 0px 0px 0px 0px;\"><div ><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-zoomin\" style=\"max-width:400px;\"><img decoding=\"async\" width=\"2000\" height=\"1556\" title=\"hacker\" src=\"https:\/\/www.cudosconsultors.com\/wp-content\/uploads\/2025\/12\/hacker.jpg\" alt class=\"img-responsive wp-image-21742\" srcset=\"https:\/\/www.cudosconsultors.com\/wp-content\/uploads\/2025\/12\/hacker-200x156.jpg 200w, https:\/\/www.cudosconsultors.com\/wp-content\/uploads\/2025\/12\/hacker-400x311.jpg 400w, https:\/\/www.cudosconsultors.com\/wp-content\/uploads\/2025\/12\/hacker-600x467.jpg 600w, https:\/\/www.cudosconsultors.com\/wp-content\/uploads\/2025\/12\/hacker-800x622.jpg 800w, https:\/\/www.cudosconsultors.com\/wp-content\/uploads\/2025\/12\/hacker-1200x934.jpg 1200w, https:\/\/www.cudosconsultors.com\/wp-content\/uploads\/2025\/12\/hacker.jpg 2000w\" sizes=\"(max-width: 640px) 100vw, 2000px\" \/><\/span><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-0{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-0 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : calc( 0.013333333333333 * calc( 100% - no ) );padding-bottom : 0px !important;padding-left : 0px !important;margin-left : no;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-0{width:40% !important;order : 0;}.fusion-builder-column-0 > .fusion-column-wrapper {margin-right : calc( 0 * calc( 100% - no ) );margin-left : no;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-0{width:100% !important;order : 0;}.fusion-builder-column-0 > .fusion-column-wrapper {margin-right : no;margin-left : no;}}<\/style><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-flex-container.fusion-builder-row-1{ padding-top : 0px;margin-top : 0px;padding-right : 0px;padding-bottom : 0px;margin-bottom : 0px;padding-left : 0px;}<\/style><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;border-width: 0px 0px 0px 0px;border-color:#e2e2e2;border-style:solid;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_3 1_3 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 30px 0px 0px 0px;\"><style type='text\/css'>.reading-box-container-1 .element-bottomshadow:before,.reading-box-container-1 .element-bottomshadow:after{opacity:0.7;}<\/style><div class=\"fusion-reading-box-container reading-box-container-1 fusion-animated\" data-animationType=\"fadeInLeft\" data-animationDuration=\"0.3\" data-animationOffset=\"top-into-view\" style=\"margin-top:30px;margin-bottom:30px;\"><div class=\"reading-box\" style=\"background-color:#ffffff;border-width:5px;border-color:#ffffff;border-left-width:5px;border-left-color:var(--primary_color);border-style:solid;\"><h2>Han accedido a su banca digital y han realizado cargos no consentidos en la misma. \u00bfPuede reclamar al banco?<\/h2><div class=\"reading-box-description fusion-reading-box-additional\">09\/12\/2025<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-1{width:33.333333333333% !important;margin-top : 0px;margin-bottom : 20px;}.fusion-builder-column-1 > .fusion-column-wrapper {padding-top : 30px !important;padding-right : 0px !important;margin-right : 5.76%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 5.76%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-1{width:33.333333333333% !important;order : 0;}.fusion-builder-column-1 > .fusion-column-wrapper {margin-right : 5.76%;margin-left : 5.76%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-1{width:100% !important;order : 0;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-1 > .fusion-column-wrapper {padding-top : 0px !important;margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_2_3 2_3 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 75px 0px 0px 0px;\"><div class=\"fusion-text fusion-text-1\"><p data-start=\"42\" data-end=\"421\">La implantaci\u00f3n de la banca digital ha dado lugar a la proliferaci\u00f3n de estafas inform\u00e1ticas por suplantaci\u00f3n de la identidad del cliente bancario. Una de las m\u00e1s frecuentes es el denominado <em data-start=\"233\" data-end=\"243\">phishing<\/em> o pesca de datos, que consiste en la obtenci\u00f3n fraudulenta de las claves y contrase\u00f1as de acceso del usuario para iniciar sesi\u00f3n en su cuenta corriente y disponer de sus fondos.<\/p>\n<p data-start=\"423\" data-end=\"822\">Cuando se producen estas estafas, los bancos suelen negarse a asumir responsabilidades. Por regla general:<\/p>\n<ul>\n<li data-start=\"423\" data-end=\"822\">Alegan que la obligaci\u00f3n de la entidad es ejecutar las operaciones de banca digital siguiendo un proceso preestablecido y reglado de autenticaci\u00f3n y registro de dichas operaciones.<\/li>\n<li data-start=\"423\" data-end=\"822\">Adem\u00e1s, afirman que no pueden verificar si las claves y contrase\u00f1as han sido utilizadas por un tercero.<\/li>\n<\/ul>\n<p data-start=\"824\" data-end=\"942\">No obstante, el banco tambi\u00e9n tiene sus deberes de diligencia, por lo que es posible que deba responder seg\u00fan el caso.<\/p>\n<p data-start=\"944\" data-end=\"1485\">Bas\u00e1ndose en la normativa de servicios de pago, los tribunales han declarado que, en principio, el banco es responsable frente a su cliente de las operaciones de pago no autorizadas; es decir, aquellas en las que falta el consentimiento del usuario, ya sea por p\u00e9rdida, sustracci\u00f3n o apropiaci\u00f3n indebida de un instrumento de pago (por ejemplo, si ha perdido o le han robado su tarjeta de cr\u00e9dito y la han utilizado sin su consentimiento, o bien si han accedido electr\u00f3nicamente a su cuenta y han efectuado transferencias o pagos por Bizum).<\/p>\n<p data-start=\"1487\" data-end=\"1948\" data-is-last-node=\"\" data-is-only-node=\"\">En estos casos, si el cliente niega haber autorizado la operaci\u00f3n de pago ya ejecutada, el banco debe rectificar dicha operaci\u00f3n y reintegrarle el dinero de manera inmediata o, como m\u00e1ximo, dentro del d\u00eda h\u00e1bil siguiente a aquel en que se le haya notificado la operaci\u00f3n no autorizada. Eso s\u00ed: para hacerlo, es necesario que la incidencia se haya comunicado sin demora injustificada y, en todo caso, dentro del plazo m\u00e1ximo de 13 meses desde la fecha del cargo.<\/p>\n<\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-2{width:66.666666666667% !important;margin-top : 0px;margin-bottom : 20px;}.fusion-builder-column-2 > .fusion-column-wrapper {padding-top : 75px !important;padding-right : 0px !important;margin-right : 2.88%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 2.88%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-2{width:66.666666666667% !important;order : 0;}.fusion-builder-column-2 > .fusion-column-wrapper {margin-right : 2.88%;margin-left : 2.88%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-2{width:100% !important;order : 0;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-2 > .fusion-column-wrapper {padding-top : 0px !important;margin-right : 1.92%;padding-bottom : 0px !important;margin-left : 1.92%;}}<\/style><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-flex-container.fusion-builder-row-2{ padding-top : 0px;margin-top : 0px;padding-right : 0px;padding-bottom : 0px;margin-bottom : 0px;padding-left : 0px;}<\/style><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":21742,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86],"tags":[],"class_list":["post-21737","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-juridico-en"],"_links":{"self":[{"href":"https:\/\/www.cudosconsultors.com\/en\/wp-json\/wp\/v2\/posts\/21737","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cudosconsultors.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cudosconsultors.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cudosconsultors.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cudosconsultors.com\/en\/wp-json\/wp\/v2\/comments?post=21737"}],"version-history":[{"count":2,"href":"https:\/\/www.cudosconsultors.com\/en\/wp-json\/wp\/v2\/posts\/21737\/revisions"}],"predecessor-version":[{"id":21755,"href":"https:\/\/www.cudosconsultors.com\/en\/wp-json\/wp\/v2\/posts\/21737\/revisions\/21755"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.cudosconsultors.com\/en\/wp-json\/wp\/v2\/media\/21742"}],"wp:attachment":[{"href":"https:\/\/www.cudosconsultors.com\/en\/wp-json\/wp\/v2\/media?parent=21737"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cudosconsultors.com\/en\/wp-json\/wp\/v2\/categories?post=21737"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cudosconsultors.com\/en\/wp-json\/wp\/v2\/tags?post=21737"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}