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2h ago

Indecopi Fines Scotiabank and BCP for Security Lapses and Unauthorized Charges

Orders include refunds, credit-record corrections, loan annulment, debt recalculation.

Indecopi multa al BCP con más de S/ 100,000 por incumplir seguros y no proteger fondos de sus clientes
Indecopi multa a Scotiabank con más de S/ 124 mil por otorgar préstamo no solicitado y cargos indebidos
Scotiabank pagará MILLONARIA multa a Indecopi por cargos fantasmas y préstamos no solicitados
El Indecopi ratificó que en ambos casos el banco vulneró derechos de los consumidores: en el primero, por incumplir su deber de idoneidad, y en el segundo, por aplicar métodos comerciales coercitivos.

Overview

  • Indecopi’s Consumer Protection Chamber fined Scotiabank S/124,120 for attributing unrecognized transactions to a client and for assigning a loan the customer did not request.
  • In the card case, three transactions totaling US$9,501 were judged inconsistent with the client’s usual behavior, prompting full reversals of amounts, interests and fees, a credit-history correction with the SBS, and issuance of a no‑debt certificate.
  • For the improperly attributed loan, Scotiabank must annul the S/28,621.20 credit, return all charges and accrued interest, and reimburse any payments the client made.
  • BCP received a 20.49 UIT fine (S/109,621.50) after a client found her home insurance inactive during 2023 rain damage and the bank altered her payment schedule without authorization, requiring a recalculation of the debt under original terms.
  • In a separate BCP case, an unauthorized withdrawal of S/16,084 was not timely notified to the client, resulting in a 6.89 UIT fine and an order to reimburse the funds with interest.