frode bancaria su carta di credito o bancomat
Operazioni bancarie disconosciute: l’ente creditizio condannato alla refusione delle somme indebitamente prelevate.
Parte ricorrente contesta sette operazioni di pagamento on line chiedendone il rimborso oltre alle spese arbitrali.
La banca si è difesa evidenziando che, dalle verifiche effettuate, emerge la legittima esecuzione e sostanziale regolarità dell’operazione disconosciuta; che come si ricava dalla documentazione informatica prodotta, le operazioni truffaldine sono state autenticate con l’inserimento dell’OTP ricevuto via SMS sull’utenza telefonica del frodatore, a seguito dei dati comunicati al medesimo dalla cliente; che, pertanto, le operazioni sono state disposte con sistema di autenticazione forte.
Le operazioni contestate sono state poste in essere sotto il vigore del D. Lgs. 27 gennaio 2010, n. 11 come modificato dal D. Lgs. 15 dicembre 2017, n. 218 di recepimento della direttiva UE 2015/2366 relativa ai servizi di pagamento nel emrcato interno.
In merito alle modalità della truffa, il Collegio rileva che, in base a quanto emerge dalla denuncia e/o dalle dichiarazioni di parte ricorrente, essa riferisce di aver ricevuto in data XXX un SMS civetta apparentemente riconducibile all’intermediario resistente, nel quale per ragioni di sicurezza gli si chiedeva di cliccare su un limk indicato e di seguire le istruzioni presenti nella pagina web cui il link rimandava; che aprte ricorrente afferma di non aver cliccato sul link in parola, ma dia ver cercato di accedere al servizio di home banking mediante App, accesso che, tutavia, le è statao negato; che ha quindi proceduto ad aggiornare la App, ma non riuscendovi, ha contattato il servizio clienti, che le ha riferito del compimento delle transazioni fraudolente per cui è controversia.
Nè dalle tracciature informatiche, nè dalle dichiarazioni dell’intermediario risulta comprensibile quale sia il secondo fattore di autenticazione.
Inoltre, con riferimento al primo fattore di autenticazione, parte resistente afferma che le OTP sono state inviate all’utenza telefonica del truffatore e non già al numero della ricorrente: sul punto non versa in atti evidenza che illustri le modalità cn cui è avvenuta la variazione dell’utenza telefonica.
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