{"id":930,"date":"2022-03-18T09:02:57","date_gmt":"2022-03-18T09:02:57","guid":{"rendered":"https:\/\/archilaabogados.com\/?p=3212"},"modified":"2022-05-27T05:53:51","modified_gmt":"2022-05-27T05:53:51","slug":"los-consumidores-financieros","status":"publish","type":"post","link":"https:\/\/archilaabogados.com\/en\/2022\/03\/18\/los-consumidores-financieros\/","title":{"rendered":"Los consumidores financieros"},"content":{"rendered":"

Por David Toro Ochoa (11\/03\/2022)<\/strong><\/p>\n

El sistema financiero y burs\u00e1til es parte fundamental de nuestra econom\u00eda social de mercado. Cada d\u00eda que pasa son m\u00e1s los colombianos y colombianas que se vinculan al sistema con alg\u00fan producto o servicio. Por ello, si bien todos los consumidores tenemos derechos que nos protegen en cualquiera de las relaciones econ\u00f3micas de consumo que llevamos a cabo, dada la relevancia constitucional de los servicios financieros, existe una protecci\u00f3n especial para las relaciones de consumo que emergen de su prestaci\u00f3n.<\/p>\n

\u00bfQui\u00e9n es un consumidor financiero?<\/strong><\/p>\n

En el art\u00edculo 2 de la Ley 1328 de 2009, se prev\u00e9 que el consumidor financiero \u201c\u2026(e)s todo cliente, usuario o cliente potencial de las entidades vigiladas\u2026\u201d por la Superintendencia Financiera de Colombia. Ahora, \u00bfqu\u00e9 se entiende por cliente? \u00bfqui\u00e9n es un usuario? \u00bfcu\u00e1les son los clientes potenciales?<\/p>\n

De acuerdo con la misma ley, un cliente es \u201c\u2026la persona natural o jur\u00eddica con quien las entidades vigiladas establecen relaciones de origen legal o contractual, para el suministro de productos o servicios, en desarrollo de su objeto social\u201d. Por ejemplo, cliente es quien adquiere alg\u00fan servicio o producto con un banco o una aseguradora.<\/p>\n

En esa l\u00ednea, un usuario se excluye de la categor\u00eda de cliente. Seg\u00fan la ley, \u201c\u2026(e)s la persona natural o jur\u00eddica quien, sin ser cliente, utiliza los servicios de una entidad vigilada\u201d. Los usuarios no tienen relaciones contractuales o legales con los bancos o entidades vigiladas. Un usuario, por ejemplo, es aquel va a un banco a pagar una factura de servicios p\u00fablicos domiciliarios o telecomunicaciones, pero no cuenta con ning\u00fan producto de ese banco.<\/p>\n

Finalmente, el cliente potencial es \u201c\u2026la persona natural o jur\u00eddica que se encuentra en la fase previa de tratativas preliminares con la entidad vigilada, respecto de los productos o servicios ofrecidos por esta\u201d. Por ejemplo, un cliente potencial es aquel que va a un banco a pedir un cr\u00e9dito y tiene que realizar todos los tr\u00e1mites y esperar los estudios para convertirse en cliente.<\/p>\n

\u00bfCu\u00e1les son los principales derechos de los consumidores financieros?<\/strong><\/p>\n

En el art\u00edculo 5 de la Ley 1328 de 2009 se enuncian, sin perjuicio de lo previsto en otras normas e instrucciones, los principales derechos de los consumidores financieros. En resumen, estos son:<\/p>\n

1. Recibir productos y servicios seguros y de calidad, de acuerdo con las ofertas que las mismas entidades vigiladas realicen.
\n2. Tener a su disposici\u00f3n publicidad e informaci\u00f3n transparente, clara, veraz, oportuna y verificable, sobre las caracter\u00edsticas propias de los productos o servicios que las entidades ofrecen y suministran, de manera que estos sean comparables con los de otras ofertas.
\n3. Exigir la debida diligencia en la prestaci\u00f3n del servicio por parte de las entidades vigiladas.
\n4. Contar con una adecuada educaci\u00f3n financiera sobre los productos y servicios, los costos que estos generan, y los mecanismos de ejercicio de sus derechos.
\n5. Poder presentar ante las entidades, sus defensores o a la Superintendencia Financiera todas las PQRs que permitan la garant\u00eda efectiva de sus derechos como consumidores.<\/p>\n

*Columna de opini\u00f3n en Asuntos Legales, clic ac\u00e1 <\/a><\/strong><\/p>","protected":false},"excerpt":{"rendered":"

Por David Toro Ochoa (11\/03\/2022) El sistema financiero y burs\u00e1til es parte fundamental de nuestra econom\u00eda social de mercado….<\/p>","protected":false},"author":1,"featured_media":862,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[15],"tags":[51],"class_list":["post-930","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-diario-la-republica","tag-asuntos-legales"],"yoast_head":"\nLos consumidores financieros - Archila 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:\/\/archilaabogados.com\/en\/2022\/03\/18\/los-consumidores-financieros\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Los consumidores financieros - 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