{"id":97424,"date":"2026-09-02T11:21:20","date_gmt":"2026-09-02T14:21:20","guid":{"rendered":"https:\/\/radiolarioja.com.ar\/rlr\/?p=97424"},"modified":"2026-09-02T11:21:22","modified_gmt":"2026-09-02T14:21:22","slug":"ciberestafas-bancarias-especialistas-advierten-sobre-la-responsabilidad-de-los-bancos-ante-el-robo-de-fondos","status":"publish","type":"post","link":"https:\/\/radiolarioja.com.ar\/rlr\/ciberestafas-bancarias-especialistas-advierten-sobre-la-responsabilidad-de-los-bancos-ante-el-robo-de-fondos\/","title":{"rendered":"Ciberestafas bancarias: especialistas advierten sobre la responsabilidad de los bancos ante el robo de fondos"},"content":{"rendered":"\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-8f761849 wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/09\/images-2026-09-02T112014.837.jpg\"><img decoding=\"async\" width=\"200\" height=\"200\" src=\"https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/09\/images-2026-09-02T112014.837.jpg\" alt=\"\" class=\"wp-image-97427\" srcset=\"https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/09\/images-2026-09-02T112014.837.jpg 200w, https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/09\/images-2026-09-02T112014.837-150x150-1.jpg 150w, https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/09\/images-2026-09-02T112014.837-70x70.jpg 70w, https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/09\/images-2026-09-02T112014.837-60x60.jpg 60w, https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/09\/images-2026-09-02T112014.837-198x198.jpg 198w, https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/09\/images-2026-09-02T112014.837-160x160.jpg 160w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/><\/a><figcaption class=\"wp-element-caption\">abogada <strong>Carolina Velardi<\/strong><\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">La abogada <strong>Carolina Velardi<\/strong>, especialista en defensa del consumidor y abogada ligada a la materia, abord\u00f3 el constante crecimiento de las ciberestafas bancarias mediante modalidades como <em>phishing<\/em>, <em>vishing<\/em>, <em>smishing<\/em> y el uso de inteligencia artificial.<\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">La responsabilidad objetiva de las entidades financieras<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Velardi remarc\u00f3 que las v\u00edctimas de fraude financiero suelen experimentar sentimientos de culpa o verg\u00fcenza, lo que genera un silencio perjudicial para la denuncia de estos delitos. Sin embargo, la abogada aclar\u00f3 que la legislaci\u00f3n argentina protege de manera estricta al usuario.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\"><strong>Derecho del Consumidor:<\/strong> El <strong>art\u00edculo 42 de la Constituci\u00f3n Nacional<\/strong> y el <strong>art\u00edculo 5 de la Ley 24.240 de Defensa del Consumidor<\/strong> imponen un deber de seguridad expl\u00edcito a las entidades financieras.<\/li>\n\n\n\n<li class=\"\"><strong>Responsabilidad Objetiva y Agravada:<\/strong> Las entidades bancarias y billeteras virtuales poseen una responsabilidad agravada debido a la relaci\u00f3n de vulnerabilidad y la brecha de poder entre la entidad y el cliente.<\/li>\n\n\n\n<li class=\"\"><strong>Excusas no v\u00e1lidas:<\/strong> El banco no puede desligarse alegando la intervenci\u00f3n de un tercero o imput\u00e1ndole la culpa a la v\u00edctima cuando los sistemas de autenticaci\u00f3n y detecci\u00f3n de anomal\u00edas fallan.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Pasos recomendados ante un caso de fraude<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La especialista detall\u00f3 las acciones inmediatas que debe tomar cualquier persona afectada por la sustracci\u00f3n de dinero de sus cuentas:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li class=\"\"><strong>Denuncia inmediata ante la entidad:<\/strong> Notificar al banco o procesadora de tarjetas de manera urgente y solicitar un n\u00famero de gesti\u00f3n.<\/li>\n\n\n\n<li class=\"\"><strong>Denuncia penal:<\/strong> Realizar la exposici\u00f3n en la sede policial o fiscal\u00eda correspondiente para dejar constancia judicial.<\/li>\n\n\n\n<li class=\"\"><strong>Reclamo en Defensa del Consumidor:<\/strong> Si la entidad bancaria no reintegra los fondos ni ofrece una soluci\u00f3n concreta, se debe acudir a las oficinas de Defensa del Consumidor de forma presencial u online.<\/li>\n\n\n\n<li class=\"\"><strong>Acci\u00f3n judicial por da\u00f1o punitivo:<\/strong> En caso de llegar a la v\u00eda civil, los bancos pueden ser sancionados con multas por da\u00f1o punitivo debido al incumplimiento grave de sus obligaciones.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">Un llamado a la respuesta institucional<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Velardi destac\u00f3 que muchas entidades financieras cuentan con <strong>seguros de cuenta<\/strong> dise\u00f1ados para cubrir estas p\u00e9rdidas de forma \u00e1gil. No obstante, ante el avance de delitos m\u00e1s sofisticados que incluyen clonaci\u00f3n de l\u00edneas o manipulaci\u00f3n de voz mediante inteligencia artificial, la abogada inst\u00f3 a los bancos a mejorar sus herramientas de prevenci\u00f3n y dar respuestas efectivas y r\u00e1pidas a los usuarios damnificados.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La abogada Carolina Velardi, especialista en defensa del consumidor y abogada ligada a la materia, abord\u00f3 el constante crecimiento de las ciberestafas bancarias mediante modalidades como phishing, vishing, smishing y el uso de inteligencia artificial. La responsabilidad objetiva de las entidades financieras Velardi remarc\u00f3 que las v\u00edctimas de fraude financiero suelen experimentar sentimientos de culpa [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":97428,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[12],"tags":[],"class_list":["post-97424","post","type-post","status-publish","format-standard","has-post-thumbnail","category-local"],"featured_image_urls":{"full":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/09\/Gemini_Generated_Image_fjnok6fjnok6fjno.jpg",1408,768,false],"thumbnail":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/09\/Gemini_Generated_Image_fjnok6fjnok6fjno-150x150.jpg",150,150,true],"medium":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/09\/Gemini_Generated_Image_fjnok6fjnok6fjno-300x164.jpg",300,164,true],"medium_large":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/09\/Gemini_Generated_Image_fjnok6fjnok6fjno-766x418.jpg",696,380,true],"large":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/09\/Gemini_Generated_Image_fjnok6fjnok6fjno-1024x559.jpg",696,380,true],"1536x1536":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/09\/Gemini_Generated_Image_fjnok6fjnok6fjno.jpg",1408,768,false],"2048x2048":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/09\/Gemini_Generated_Image_fjnok6fjnok6fjno.jpg",1408,768,false],"td_218x150":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/09\/Gemini_Generated_Image_fjnok6fjnok6fjno-218x150.jpg",218,150,true],"td_324x400":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/09\/Gemini_Generated_Image_fjnok6fjnok6fjno-323x176.jpg",323,176,true],"td_485x360":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/09\/Gemini_Generated_Image_fjnok6fjnok6fjno-485x360.jpg",485,360,true],"td_696x0":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/09\/Gemini_Generated_Image_fjnok6fjnok6fjno-695x379.jpg",695,379,true],"td_1068x0":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/09\/Gemini_Generated_Image_fjnok6fjnok6fjno-1067x582.jpg",1067,582,true],"td_1920x0":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/09\/Gemini_Generated_Image_fjnok6fjnok6fjno.jpg",1408,768,false],"td_0x420":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/09\/Gemini_Generated_Image_fjnok6fjnok6fjno.jpg",770,420,false],"td_80x60":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/09\/Gemini_Generated_Image_fjnok6fjnok6fjno-80x60.jpg",80,60,true],"td_100x70":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/09\/Gemini_Generated_Image_fjnok6fjnok6fjno-100x70.jpg",100,70,true],"td_265x198":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/09\/Gemini_Generated_Image_fjnok6fjnok6fjno-265x198.jpg",265,198,true],"td_324x160":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/09\/Gemini_Generated_Image_fjnok6fjnok6fjno-293x160.jpg",293,160,true],"td_324x235":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/09\/Gemini_Generated_Image_fjnok6fjnok6fjno-324x235.jpg",324,235,true],"td_356x220":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/09\/Gemini_Generated_Image_fjnok6fjnok6fjno-356x220.jpg",356,220,true],"td_356x364":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/09\/Gemini_Generated_Image_fjnok6fjnok6fjno-356x194.jpg",356,194,true],"td_533x261":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/09\/Gemini_Generated_Image_fjnok6fjnok6fjno-478x261.jpg",478,261,true],"td_534x462":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/09\/Gemini_Generated_Image_fjnok6fjnok6fjno-534x462.jpg",534,462,true],"td_696x385":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/09\/Gemini_Generated_Image_fjnok6fjnok6fjno-696x385.jpg",696,385,true],"td_741x486":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/09\/Gemini_Generated_Image_fjnok6fjnok6fjno-741x486.jpg",741,486,true],"td_1068x580":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/09\/Gemini_Generated_Image_fjnok6fjnok6fjno-1063x580.jpg",1063,580,true]},"author_info":{"info":["RadioLaRioja"]},"category_info":"<a 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