Connect with us

GEN 107.5 FM

¿Cómo hago para ponerle fin a los débitos automáticos (stop debit)?


¿Cómo hago para ponerle fin a los débitos automáticos (stop debit)?

Por Mariela A. Moncada (Abogada-Mediadora)

Hoy, la mayoría de los usuarios bancarios, deciden tener adheridos a su cuenta bancaria, los débitos automáticos, para el pago de impuestos o servicios, porque de esta forma uno se organiza un poco mejor con los pagos, o bien por la practicidad del mismo.

Pero, ¿qué pasa cuando, como cliente, decido ponerle fin a este servicio?

En ese momento empiezan los problemas, porque el banco pretende ponerme un sinfín de requisitos para poder hacer el “stop debit”.

Entonces, ¿qué debo hacer?

Sepan que tanto para adherirse al sistema de débito automático, como para suspenderlo o darlo de baja, sólo se necesita la CONFORMIDAD EXPRESA DEL TITULAR DE LA CUENTA.

Pueden solicitar el cese, tanto al banco como a la empresa que me brinda el servicio.

Si quiero hacerlo en forma inminente, debo hacerlo primero al banco.

¿En cualquier momento puedo solicitar el “stop debit”? 

Si, cuando el cliente lo requiera.

En el caso de cajas de ahorro, puede solicitar la suspensión o baja de los débitos automáticos hasta el día hábil anterior al vencimiento de la factura.

En caso de cuentas corrientes, puede solicitar la suspensión o baja de los débitos automáticos hasta 5 días anteriores al vencimiento de la factura.


¿Qué pasa si ya me debitaron, puedo “revertir ese debito”? 

Si, puedo… tengo 30 días desde que se produjo el débito, para solicitar al banco que me devuelva el monto debitado. El banco tiene 72hs para devolverme el dinero debitado. En caso de montos mayores a $750, debemos contar con la conformidad de la empresa originante del debito.

¿Qué pasa si yo le solicité al banco que detenga los débitos, y este no hizo caso a mi pedido?

En ese caso, debo solicitarle al banco que me devuelva lo debitado erróneamente, en forma inmediata.

¿Cómo solicito al banco que detenga los débitos automáticos?

Lo debo solicitar expresamente (por escrito), puedo hacerlo por nota en papel y presentarlo por mesa de entrada del banco donde tengo la cuenta, o bien, por mail, internet o chat, siempre que me quede a mi una constancia escrita de mi solicitud, donde figure fecha y hora de mi pedido.

Aquí les dejo un modelo de cómo solicitarlo:


Sr. Gerente del banco xxxxxxxx

                                                     Juan perez dni xxxxxxxxx domiciliado en calle xxxxxxxx teléfono xxxxxxxx mail xxxxxxx titular de la cuenta numero xxxxxxxxxxx, se dirige a ud a fin de solicitarle expresamente la suspensión / baja del debito automatico que poseo con esta institución /empresa xxxxxxxxxxxxxxxxx

                                                     Sin otro particular, saludo a ud, atte.




(Fundamento legal:  Comunicación A 491/2018; 6462; 5990 BCRA y Ley 24240 Art 37.)


Recuerden hacer valer siempre sus derechos, porque de lo contrario quedaran como “letra muerta” en un papel. Tenes un derecho, ejercelo… ¡Defendelo!




  1. agen bandarq

    28 marzo, 2019 at 2:54 am

    I am typically to blogging and i actually respect your content. The article has actually peaks my interest. I’m going to bookmark your site and hold checking for brand new information.

  2. my singing monsters

    28 marzo, 2019 at 3:31 am

    What your saying is fully true. I know that everyone should say the similar matter, but I just feel that you put it in a way that every person can fully grasp. I also love the photographs you put in right here. They suit so nicely with what youre trying to say. Im guaranteed youll reach so a lot of people today with what youve obtained to say.

  3. minecraft

    29 marzo, 2019 at 6:38 pm

    If some one wants expert view on the topic of blogging and site-building afterward i suggest him/her to pay a visit this web site, Keep up
    the fastidious work.

  4. DMC5

    30 marzo, 2019 at 5:58 am

    This web site certainly has all of the information and facts I needed concerning this subject and didn’t know who to ask.


    30 marzo, 2019 at 10:16 pm

    Please let me know if you’re looking for a article writer for your site.
    You have some really great posts and I think I would be a
    good asset. If you ever want to take some of the load off,
    I’d love to write some material for your blog in exchange for a link back to mine.

    Please shoot me an e-mail if interested. Kudos!

  6. hipnoterapi jakarta

    2 abril, 2019 at 3:00 am

    Magnificent beat ! I would like to apprentice while you amend your site, how could i subscribe for a blog web site? The account helped me a acceptable deal. I had been a little bit acquainted of this your broadcast offered bright clear idea

  7. minecraft

    3 abril, 2019 at 4:27 am

    I know this if off topic but I’m looking into starting my own blog and was curious what all is required to get
    set up? I’m assuming having a blog like yours would cost a pretty penny?
    I’m not very internet smart so I’m not 100% positive.
    Any suggestions or advice would be greatly appreciated.
    Appreciate it


    4 abril, 2019 at 3:46 pm

    With havin so much content and articles do you ever run into any issues of plagorism or copyright violation? My blog has a
    lot of exclusive content I’ve either authored myself or outsourced but
    it seems a lot of it is popping it up all over the web without my authorization. Do you
    know any solutions to help stop content from being ripped off?
    I’d genuinely appreciate it.

  9. minecraft

    5 abril, 2019 at 3:54 am

    certainly like your web-site however you need
    to check the spelling on quite a few of your posts. Many of them are rife with
    spelling problems and I find it very troublesome to tell the reality nevertheless I will definitely come back again.

  10. minecraft

    6 abril, 2019 at 2:04 am

    Great goods from you, man. I’ve understand your stuff previous to and you’re just extremely fantastic.
    I actually like what you have acquired here,
    certainly like what you’re saying and the way in which you say
    it. You make it enjoyable and you still take care of to keep it sensible.
    I can’t wait to read much more from you. This is really a tremendous

  11. minecraft

    6 abril, 2019 at 12:47 pm

    Hey very nice blog!

  12. minecraft

    7 abril, 2019 at 8:31 am

    If some one wants to be updated with hottest technologies after that
    he must be pay a visit this web site and be up to date every day.


    7 abril, 2019 at 8:59 am

    It’s going to be ending of mine day, however before finish I am reading this great article to
    improve my knowledge.

  14. Charleen Spannaus

    8 abril, 2019 at 10:24 am

    Hi my own cherished one! I wish to state that this kind of post is awesome, good composed and include virtually all important infos. I?|d want to seem added content such as this .

  15. minecraft

    9 abril, 2019 at 5:11 am

    Thanks a lot for sharing this with all of us you really recognise what you are speaking
    approximately! Bookmarked. Kindly additionally seek advice
    from my website =). We could have a link change agreement among us


    10 abril, 2019 at 2:41 am

    I loved as much as you’ll receive carried out right here.
    The sketch is tasteful, your authored subject matter stylish.
    nonetheless, you command get bought an edginess over that
    you wish be delivering the following. unwell unquestionably come more formerly again since exactly the same nearly very often inside case you shield this hike.

  17. minecraft

    10 abril, 2019 at 10:46 pm

    Hi! I’m at work surfing around your blog from my new iphone 4!
    Just wanted to say I love reading through your blog and look forward to
    all your posts! Carry on the excellent work!

  18. minecraft

    12 abril, 2019 at 2:34 pm

    Hey there! This post couldn’t be written any better! Reading this post reminds me of
    my old room mate! He always kept chatting about this. I will forward this page to him.

    Pretty sure he will have a good read. Thank
    you for sharing!

  19. minecraft

    17 abril, 2019 at 4:26 am

    Hi, There’s no doubt that your site might be having internet browser
    compatibility problems. Whenever I take a look at your blog in Safari, it looks fine however
    when opening in I.E., it has some overlapping issues. I just wanted to provide you with a quick heads up!
    Besides that, great site!

  20. John Deere Service Manuals

    18 abril, 2019 at 4:44 pm

    puppies and dogs are very cute, i always love to play with them during my spare time;;

Leave a Reply

Tu dirección de correo electrónico no será publicada.

Mas en #AbusoAlConsumidor


Sí, soy humano*

Se ha enviado un mensaje de confirmación; por favor, haga clic en el enlace de confirmación para verificar su suscripción.
El email ya esta en uso
ingresa tu mail
Tienes que cliquear el captcha
El captcha no es correcto
To Top