📋 Tender Overview
The Commission of the Regional Office of Indecopi in Ancash headquarters Chimbote ORI Chimbote in the first administrative instance sanctioned Banco de Crdito del Per S.A BCP with 22.97 UIT tax units equivalent to S 113 701.50 for not adopting the corresponding security measures and allowing 31 unrecognized consumptions with the credit card of the consumer who was affected in the city of Huaraz. By Resolution No. 0002-2023INDECOPI-CHT the Commission considered that said bank violated Article 19 of the Consumer Protection and Defense Code which establishes that suppliers are responsible for the suitability and quality of the products and services offered that is that there is a correspondence between what is offered and what is finally provided. This when it is proven that the bank allowed the processing of the number of consumptions mentioned charged to the complainants credit card without taking into account that they did not correspond to their usual consumption behavior as part of the security measures established in the sectoral standard. It should be noted that the consumer concerned had not used his card for almost two years and before that the highest consumption was for the amount of S 1094.80. It was the Regional Office of Indecopi based in Huaraz ORI Huaraz that carried out the investigations by opening an administrative sanctioning procedure PAS against the BCP which culminated in the resolution of the Commission of the ORI Chimbote as the body in charge of resolving the cases initiated by the ORI Huaraz. Corrective actionAs a corrective measure the Commission ordered the bank within a period not exceeding fifteen business days from the day following the notification of this resolution to comply with extorting andor canceling from the credit card the sum of S 68962 corresponding to unrecognized operations as well as interest Charges commissions and other concepts charged to said card for the aforementioned operations. In addition it must return to the complainant the total payments of the quotas that had been made as a result of the 31 unrecognized consumptions as well as carry out the procedures aimed at credit rectification before the Risk Center of the Superintendence of Banking Insurance and AFP in case of having reported.
