Intesa Sanpaolo, commissioni su conti in rosso illegali: vinta in Appello la class action promossa da Altroconsumo

Nel periodo compreso tra il 2009 e il 2012 alcuni correntisti di Intesa Sanpaolo si sono visti addebitare sino a 1200 euro di commissioni illegali applicate al conto corrente in rosso; ora la Corte d’Appello di Torino ha confermato le ragioni della class action di Altroconsumo: le somme dovranno essere restituite.

I fatti che hanno portato Altroconsumo alla vittoria della class action: nonostante le commissioni di massimo scoperto fossero state abolite per legge nel 2009, i correntisti di Intesa Sanpaolo andati in rosso sul conto corrente, anche solo per qualche giorno o qualche settimana, tornando poi a fine mese in attivo (grazie all’accredito dello stipendio, per esempio) hanno dovuto pagare, oltre agli interessi passivi, anche una commissione chiamata «Csc Commissione di scoperto di conto». Commissione illecita perché introdotta dalla banca in sostituzione delle commissioni di massimo scoperto abolite.

A gennaio 2013 Altroconsumo ha promosso un’azione collettiva risarcitoria contro Intesa Sanpaolo chiedendo che i soldi venissero restituiti ai correntisti.

La portata della class action è forte e simbolica per tutti, ma le conseguenze dirette concrete saranno valide solo per alcuni, non per tutti. Sono infatti 104 i correntisti che pur avendo aderito all’azione collettiva sono stati esclusi dal risarcimento per il mancato rispetto di un cavillo burocratico esclusivamente legato alle formalità del loro atto di adesione, formalità peraltro richieste dal Giudice solo in questa occasione e non espressamente indicate dalla legge.

Un fatto che dimostra come l’istituto della class action in Italia debba essere interpretato dai Giudici in maniera più efficace e snella, non zavorrato da pastoie da stato borbonico che ne inficiano l’applicazione.

Dal momento che il giudice ha ritenuto la clausola Commissione per scoperto di conto nulla, decisione confermata ora anche in Appello, Altroconsumo consiglia di rivolgersi alla banca facendo richiesta di rimborso della commissione pagata. Inviare un reclamo scritto; se non arriva risposta entro 30 giorni o se questa non fosse soddisfacente, fare ricorso all’Arbitro bancario e finanziario.

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