Silvana Saldisuri
06/17/2021 6:00 AM
Clarín.com
Services
Updated 06/17/2021 6:00 AM
With the advancement of technologies and the modernization of the computer systems of banks and
online shopping
,
new problems
began to appear
for consumers.
Among them, computer fraud and the theft of personal data to make purchases without the consent of the owner.
Most users who use financial services know how a credit card operates and its benefits.
However, it is not common to know what to do when reviewing the account statement and see an
unrecognized, misapplied, duplicate charge, or a purchase that you did not make
reflected
.
Among the
rights
that users of banking services have is the
refund of unknown charges
.
How to
make the claim
and make it effective?
According to the credit card law, the user can claim to the bank that this or that purchase was not made by him.
Photos Martín Bonetto
As established by
National Law 25065 on Credit, Debit and Purchase Cards
, the user has
30 days to make a claim
to the plastic issuing entity (bank or company that provided the card).
As provided for in article 26 of that law, the cardholder can question, that is, claim before the bank or issuing entity that this or that purchase or contract was not made by him and that, therefore, he is unaware of that operation and the imputation in the summary.
How to start the management of the claim for an ignorance of card purchase?
The user must make their
claim
reliably by
, or
via electronic form
that the bank or issuing company has on its official website.
The next step will be to
upload the requested data
(indicate the expenses with which you do not agree and everything that serves to clarify the error) and the claim will enter the system to be routed.
At the end you will receive a claim number
.
It is important to
keep the evidence
of either the mail sent, the code or the claim number provided by the card issuer.
This will allow you to be certain of the receipt of the claim and to know the moment when the response time of the bank or company issuing the plastic begins to run.
It is clear that
such a response must be complete and detailed
, to inform the user about the challenge or rejection that he made.
Online purchases led to the theft of personal data to make purchases without the consent of the owner.
Photo: Shutterstock
As stated in said law, the cardholder can initiate that claim (challenge of the summary) and
the issuing entity of the plastic
must
acknowledge receipt
of the challenge
within seven days of receipt
.
If you
do not agree with the response
received from the entity, you must reject that response within the following 7 days.
Meanwhile, within the
following fifteen days, you must correct the error,
if any, or clearly explain the accuracy of the settlement, providing a copy of the vouchers or grounds that support the situation.
The
correction period will be extended to sixty days
in operations carried out
abroad
.
At
the
same time,
the cardholder must pay the rest of the summary
that has not been questioned, leaving the amount claimed pending cancellation.
While the investigation of the objected consumption is extended, the
bank or company must not restrict the use of the
credit
card
or alter the limits
for withdrawals, purchases or purchase financing.
Unawareness of purchase: how to read the invoice
When a purchase is made with a credit card, certain information appears in the account summary that, knowing how to identify them, will help speed up the claim process:
Voucher Number:
is the number granted by the payment services company to that purchase.
Transaction Detail: it
is the identification of the company to which the payment is sent.
Pesos or Dollars:
is the amount of the purchase expressed in the currency in which it was made.
Quotas: it
will show you the amount of payments made and missing.
From the BCRA, they recommend monitoring account statements and transactions regularly and not waiting for the card summary to arrive.
Photo: Reuters
Finally, from the
Central Bank of Argentina
(BCRA) advise taking some precautions to avoid the appearance of improper purchases or transactions in the summary of each user:
-
Do not lose sight of the card
when making a payment in a store with your credit or debit card.
-Check with the card provider if they have an
alert option for notifications of purchases or withdrawals of money
over a certain amount.
In this way, if the card was cloned, the bank or entity issuing the plastic will give notice if purchases were registered for a value greater than the agreed upon.
-
Monitor account statements and transactions regularly
, anticipating and avoiding waiting until the monthly summary arrives to verify if there is any suspicious purchase, withdrawal or transaction.
Look also
Personal loans or credit cards: which is more convenient to finance expenses
How to buy dollars: 4 available alternatives to protect pesos
