By not complying with the corresponding procedures for closing an account, the bank must pay a fine of 11.60 UIT. From 2023 to date, Indecopi has registered 3,323 sanctions against entities in the financial system.
In the second administrative instance, the Specialized Consumer Protection Chamber (SPC) of Indecopi sanctioned the Banco de Crédito del Perú SA (BCP) for not informing one of its clients about the closure of his dollar savings account that he kept immovable for 10 years, in addition to sending your savings to the Deposit Insurance Fund.
Although the General Law of the Financial System establishes that deposits immobilized for a period of 10 years constitute resources of the Deposit Insurance Fund, financial entities must comply with the established procedure.
Along these lines, and in accordance with article 14, Before transferring the savings to said account, the bank must make a publication in the newspaper El Peruano and, in addition, send a communication to the user, informing about its closure.
For not respecting the provisions of the law, the BCP must return to the complainant the amount it had in its account plus legal interest; Likewise, pay a fine of 11.60 UIT (S/59,740).
During 2023 to date, Indecopi imposed 3,323 sanctions on entities in the financial system, including reprimands and fines. The sanctions reached 85 suppliers who violated the regulations of the Consumer Protection and Defense Code and a total of 6,112 UIT were imposed on them. The most recurrent infractions refer to lack of suitability, unrecognized operations, attention to claims, information, among others.
Source: Larepublica
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