The National Institute for the Defense of Competition and the Protection of Intellectual Property (indecopi), through Final Resolution No. 1827-2023/CC1 to which the Republic agreed, sanctioned with S/574,200 (11.6 UIT) to Banco Interbank for not having informed his client about the modification of his contract and the change in his type of account.
According to the complaint, the user opened an “Ahorro Entrepreneur Soles” account on May 3, 2019, which allowed her four monthly “Interplaza” deposits at the teller window without any charge and had an Effective Annual interest rate of 0.5 %. However, as of January 1, 2022, Interbank unilaterally modified, and without notifying, the type of account one of “Ahorro Simple Soles”, that charged a lower interest rate and, in addition, had a commission for deposits of S/ 30 for each operation.
Upon learning of these facts, on February 14, 2022, the owner proceeded to denounce in Bank’s Virtual Claims Book due to the lack of written or electronic communication about the change in the conditions of your account.
Thus, he demanded that commissions for deposits in his account not be charged, that the S/ 120 collected as a commission be returned in the months of January to April 2022 and that the interest rate be paid passive of 0.5%. In addition, it requested that the respective amount of the costs involved in the process of imposing the complaint be reimbursed.
What did Indecopi resolve in this case?
The regulatory entity resolved as founded the lawsuit against the bank by Banco Internacional del Perú SAA – Interbank for violation of article 56 of Law No. 29571, Consumer Protection and Defense Code. This by confirming that the company did not prove that the communication of the change in the terms of the account was carried out correctly.
In this regard, it ordered the bank, as a corrective measure, to comply with the “apply the conditions contracted and approved by the complainant for her “Ahorro Empresario Soles” Account No. ******** in terms of the fixed interest rate and the exemption from the collection of commissions for “interplaza deposits”, indicates the resolution.
Likewise, the bank must return to the consumer the amounts collected in response to the commission called “interplaza” and pay the interest left to be received by the complainant in response to the undue modification of the interest rate. In this line, the costs of the procedure amounting to S / 36 must also be paid.
Finally, a fine of 11.6 Tax Units (UIT) was imposed on Interbank, which may be reduced by 25% if it is canceled within a period not exceeding fifteen business days, counted from the notification. of this Resolution.
Source: Larepublica
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