indebito prelievo bancomat pisa
Bancomat rubato ed indebito prelievo: la Banca deve rimborsare.
Furto bancomat, ABF: istituto deve provare scorrettezza cliente.
Per negare il rimborso di fronte al furto del bancomat e al prelievo non autorizzato, l’istituto di credito deve prima provare la condotta scorretta del cliente. Deve cioè dimostrare che il codice Pin sia stato conservato in modo scorretto. È quanto si desume da una decisione dell’Arbitro Bancario Finanziario, che ha riconosciuto a una donna assistita da Confconsumatori il rimborso a fronte del furto del bancomat che aveva subito per una piccola imprudenza, con un prelievo non autorizzato di 600 euro subìto prima di riuscire a bloccare la carta.
Il caso è stato raccontato da Confconsumatori , che ha assistito la donna. Il furto era avvenuto verso sera, quando lei, titolare di un esercizio di ortofrutta ambulante, era scesa dal furgone per sistemare il carico lanciando pochi minuti la borsa nell’abitacolo. Un breve lasso di tempo nel quale le avevano rubato borsa, portafoglio e carta. La donna aveva subito bloccato la card ma la mossa non era riuscita a bloccare un prelievo di 600 euro.
“La titolare del bancomat – racconta Confconsumatori – aveva provveduto immediatamente a denunciare il furto, precisando di non aver mai custodito il bancomat insieme al codice Pin. Nonostante la denuncia, però, Poste Italiane si era rifiutata di riconoscere il rimborso richiesto, lamentando che il prelievo non poteva che essere avvenuto a seguito dell’inserimento del corretto Pin”. Con l’assistenza di Confconsumatori, la donna ha deciso di ricorrere all’Arbitro Bancario Finanziario.
L’ABF, spiega Confconsumatori, ha riconosciuto il diritto della risparmiatrice ad essere rimborsata delle somme indebitamente prelevate da ignoti attraverso l’utilizzo del bancomat sottratto fraudolentemente, riconoscendo che Poste Italiane, per sottrarsi all’obbligo di rifondere il maltolto alla propria cliente, avrebbe dovuto fornire adeguata prova della condotta gravemente colposa della donna in relazione agli obblighi di utilizzazione del bancomat. Non è possibile, infatti, desumere dal solo utilizzo fraudolento della carta che il codice Pin sia stato conservato in maniera scorretta dal titolare del bancomat, considerato anche il lasso di tempo non irrisorio intercorso tra il furto della carta e il prelievo di denaro.
“Una decisione molto importante – ha commentato l’avvocato Grazia Ferdenzi che ha assistito la risparmiatrice – perché riconosce il diritto del titolare di un bancomat che non abbia agito in modo fraudolento a non subire alcuna perdita a seguito di furto, smarrimento o sottrazione. L’Arbitro Bancario Finanziario ha riconosciuto, infatti, come il comportamento del risparmiatore che si accorge di non essere più in possesso della carta non configuri un’omissione degli obblighi di custodia del medesimo, salve le ipotesi di colpa grave o dolo che devono comunque essere provate da parte dell’Istituto di Credito e che, nel caso specifico, non sono state mai raggiunte”.
Fonte: https://www.helpconsumatori.it/soldi/furto-bancomat-abf-per-negare-rimborso-istituto-deve-provare-condotta-scorretta-del-cliente/
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