La Suprema Corte de Justicia de la Nación (SCJN) dictaminó que los bancos deben devolver a los usuarios el dinero de retiros que no sean conocidos por ellos. Esto será cuando titular de una cuenta bancaria denuncie actividades irregulares a través el uso de su tarjeta de débito, en caso de que la cantidad no sea restituida, la entidad bancaria deberá pagar intereses ordinarios y moratorios por el retraso en que incurra a razón del 6%.
En el documento resolutivo de Tesis 1a./J.61/2020, la Primera Sala de la SCJN argumentó que en el contrato de apertura de cuenta, el depositario tiene un deber de cuidado respecto al dinero que le entrega el depositante.
Por su parte, los Tribunales Colegiados de la misma especialidad, pero de distinto circuito, llegaron a conclusiones diversas sobre la procedencia del pago de intereses moratorios, en términos del artículo 362 del Código de Comercio, a cargo de la institución bancaria, cuando se hayan hecho cargos no reconocidos por el titular de la cuenta de depósito a que se encuentra vinculada la tarjeta de débito y esta presenta cantidades no reconocidas perjudiciales para el cuentahabiente.
Debido a ello, la Primera Sala dictaminó que cuando el titular de una cuenta de depósito de dinero denuncie retiros no identificados ni autorizados a través del uso de tarjeta de débito, el banco tiene la obligación de retribuir las cantidades retiradas para que las finanzas del usuario no se vean afectadas.
El reembolso de cargos no reconocidos por el titular de una tarjeta de débito, vinculada a una cuenta de depósito de dinero abierta en una institución bancaria, sí constituye una obligación a cargo de ésta como depositaria; pues aunque detenta la propiedad del dinero incurre en negligencia en la conservación de los fondos entregados para ser retirados a la vista por el depositante.
“La obligación de reembolso en el caso de cargos no reconocidos se contrae cuando el titular de la tarjeta de débito denuncia el hecho a la institución y solicita su restitución”, señaló la SCJN.
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