Vices and illegalities in consenting for improper collections to customers holding bank accounts

Abstract

In October 2018, the case of “Undue Collections” was uncovered, in which Ecuadorian banks debited account holders between 1 and 20 dollars for the benefit of non-financial entities, for unknown concepts. The general objective of the investigation was raised to analyze crimes due to improper charges to clients who hold bank accounts in Ecuador. The methodology used was based on the qualitative approach using the collection and analysis of a documentary-bibliographic typology, generating an analytical-reflective process, contributing to the generation of the extension of the state of the art. Some interviews were conducted, which allowed us to reach true premises and valid conclusions. It is concluded that these acts, when committed from electronic or telematics means, are effectively damaging protected legal assets in a massive, abusive and unscrupulous way, there is a spirit of doing harm (fraud) and suggests committing crimes of fraud, breach of trust, or flight of private databases.