Los 3 derechos que debes exigir a tu banco si encuentras cargos no reconocidos en tu tarjeta

Escrito en DINERO on 1/1/2024 · 17:20hs

The recognized charges are expenses or purchases that you did not make or authorize with your debit or credit card . These may be because they cloned your card, because they stole your identity or because you lost your card and someone else used it to make payments at a bank terminal on your behalf, but there are 3 criteria of the Supreme Court that protect the rights of banking services users, so if you are a client of BBVA, Banamex, Banorte or Santander this interests you.

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Banking institutions that receive cardholders’ notification of unrecognized charges in their accounts, will be required to credit the user’s account, no later than the second banking business day, for the charges subject to the claim, provided they correspond to operations carried out in the 48 hours prior.

Likewise, banks and other card issuers may use at least two authentication elements for the performance of operations, such as: personal identification number or security phrase, microcircuit or chip for card or a mobile device associated with the card operation, and even fingerprint, iris or facial recognition, among others.

In this case, the banking institution would also be obliged to refund the amount claimed, if it did not require the user for the performance of the operations, the use of at least two authentication elements.

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It is important to note that banking institutions may only reverse the credit made to the user’s account, when they prove that the charge was made under established rules, for which it will be necessary to issue an opinion that contains evidence of the authentication factors used for the operations, as well as the way in which their verification was carried out.

3 rights you must demand from your bank, according to the Supreme Court

1. If you do not recognize charges on your credit card that were authorized by means of a NIP, the bank must demonstrate that you made those transactions
2. If you claim unauthorized withdrawals from your debit account, the bank must return the withdrawn amounts and, if applicable, pay you moratory interests
3. If unauthorized electronic transfers are made from your account, the bank is obliged to demonstrate that the procedures for accrediting their reliability were followed

If you notice unrecognized charges on your card:

• Stay calm. Call your financial institution; report charges that you do not recognize and cancel your card, thus preventing criminals from making other transactions.
• Submit your complaint to the Specialized Unit (UNE) of your Bank, where you will be given a clarification request, it can even be through its website.
• The Bank is obliged to give you an acknowledgment of receipt of the request, with a folio, date and time of receipt. (Keep it)
• Generally, after 48 hours following your claim, the financial institution must credit the corresponding resources to the unrecognized charge. However, the Bank will continue with its investigation, which can take up to 45 days.
• Watch out! There is also the possibility of reversing the credit if it is shown that you or any of your additional cardholders authorized the purchase or operation.
• If after 45 days the institution does not give you an opinion, it means that your claim proceeded.
• Remember: the bank cannot charge you moratory interests generated by the lack of payment of the claimed charge or report you to the Credit Bureau.