{"id":157,"date":"2025-06-05T17:40:23","date_gmt":"2025-06-05T17:40:23","guid":{"rendered":"http:\/\/abadibabeabogados.es\/?p=157"},"modified":"2025-06-05T19:28:56","modified_gmt":"2025-06-05T19:28:56","slug":"%f0%9f%9b%a1%ef%b8%8f-el-tribunal-supremo-refuerza-la-proteccion-de-los-consumidores-frente-a-fraudes-digitales-2","status":"publish","type":"post","link":"https:\/\/abadibabeabogados.es\/?p=157","title":{"rendered":"\ud83d\udee1\ufe0f El Tribunal Supremo refuerza la protecci\u00f3n de los consumidores frente a fraudes digitales"},"content":{"rendered":"\n<p>En una reciente sentencia (<strong>STS 571\/2025, de 9 de abril<\/strong>), el Tribunal Supremo ha sentado jurisprudencia en materia de seguridad bancaria y fraudes digitales, obligando a las entidades financieras a responder por operaciones no autorizadas cuando no se acredite negligencia grave por parte del cliente.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udccc Caso real: un cliente afectado por fraude digital<\/h3>\n\n\n\n<p>Un usuario de <strong>Ibercaja<\/strong> sufri\u00f3 un complejo fraude mediante t\u00e9cnicas de <em>phishing<\/em> y duplicaci\u00f3n de SIM, lo que permiti\u00f3 a los estafadores ejecutar <strong>15 transferencias no autorizadas<\/strong> por un importe superior a <strong>83.000 \u20ac<\/strong>. A pesar de que el cliente hab\u00eda advertido a la entidad de movimientos sospechosos, <strong>el banco no activ\u00f3 medidas preventivas ni detect\u00f3 las anomal\u00edas<\/strong> en el sistema.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u2696\ufe0f Decisi\u00f3n del Tribunal Supremo<\/h3>\n\n\n\n<p>El Tribunal rechaz\u00f3 el recurso interpuesto por la entidad bancaria y reafirm\u00f3 la responsabilidad de esta, se\u00f1alando que:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>El uso de sistemas como la <strong>doble autenticaci\u00f3n<\/strong> no exime a los bancos de su obligaci\u00f3n de supervisi\u00f3n.<\/li>\n\n\n\n<li>Las <strong>cl\u00e1usulas que liberan a la entidad de responsabilidad<\/strong> son nulas si contradicen la normativa vigente.<\/li>\n\n\n\n<li>Es la entidad bancaria quien debe <strong>demostrar negligencia grave o actuaci\u00f3n fraudulenta por parte del cliente<\/strong>.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udd0d \u00bfQu\u00e9 implica esto para los consumidores?<\/h3>\n\n\n\n<p>Esta resoluci\u00f3n del Tribunal Supremo supone un avance en la <strong>protecci\u00f3n de los derechos de los usuarios<\/strong> de servicios de pago digitales:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Los bancos deben contar con sistemas eficaces para <strong>detectar operaciones sospechosas<\/strong>.<\/li>\n\n\n\n<li>Los consumidores no responden por operaciones no autorizadas si han actuado con diligencia.<\/li>\n\n\n\n<li>Se refuerza el principio de <strong>confianza y seguridad<\/strong> en los medios electr\u00f3nicos de pago.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udcdd Conclusi\u00f3n: tus derechos como usuario est\u00e1n protegidos<\/h3>\n\n\n\n<p>Si has sido v\u00edctima de un fraude digital, <strong>puedes reclamar al banco<\/strong> el reintegro de las cantidades sustra\u00eddas, siempre que hayas actuado con diligencia y notificado de inmediato.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>\u00bfHas sufrido un fraude bancario?<\/strong><br>En nuestro despacho te ayudamos a reclamar y defender tus derechos.<br>\ud83d\udcde <a class=\"\" href=\"#contacto\">Contacta con nosotros<\/a> para una primera valoraci\u00f3n sin compromiso.<\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>&lt;small&gt;&lt;em&gt;Este art\u00edculo es informativo y no constituye asesoramiento legal. Cada caso debe ser evaluado por un abogado especializado. Seg\u00fan el art\u00edculo 74 del Real Decreto-ley 19\/2018, las entidades est\u00e1n obligadas a devolver al cliente el importe de operaciones no autorizadas salvo negligencia grave.&lt;\/em&gt;&lt;\/small&gt;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El Tribunal Supremo refuerza la protecci\u00f3n del consumidor ante fraudes digitales, obligando a los bancos a devolver el dinero si no prueban negligencia grave del cliente. Analizamos la sentencia STS 571\/2025 y sus implicaciones legales.<\/p>\n","protected":false},"author":1,"featured_media":150,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-157","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualidad-legislativa"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\ud83d\udee1\ufe0f El Tribunal Supremo refuerza la protecci\u00f3n de los consumidores frente a fraudes digitales - Abad Ibabe Abogados<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/abadibabeabogados.es\/?p=157\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\ud83d\udee1\ufe0f El Tribunal Supremo refuerza la protecci\u00f3n de los consumidores frente a fraudes digitales - Abad Ibabe Abogados\" \/>\n<meta property=\"og:description\" content=\"El Tribunal Supremo refuerza la protecci\u00f3n del consumidor ante fraudes digitales, obligando a los bancos a devolver el dinero si no prueban negligencia grave del cliente. 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