Pergunta do leitor: Tinha uma dívida com um banco de um valor alto. Fiz um acordo com a instituição financeira e paguei o débito em 48 meses. Quando paguei a última parcela do acordo, fechei a minha conta no banco.

Mas anos depois comecei a receber ligações de uma empresa de cobrança dizendo que eu tinha que pagar taxas cobradas pela minha conta. É possível que o banco cobre taxas do consumidor mesmo após o fechamento da conta?

Resposta de Ronaldo Gotlib*:

A cobrança, aparentemente, é ilegal. Todas as despesas decorrentes da manutenção de conta corrente devem ser cobradas no ato do encerramento da mesma. De todo modo, é importante lembrar que cobranças prescrevem com cinco anos.

Assim sendo, como o leitor faz menção a passagem de vários anos desde o encerramento da conta, é possível que, além de ser indevida esta cobrança, a mesma esteja também prescrita.

*Ronaldo Gotlib é consultor financeiro e advogado especializado nas áreas de Direito do Consumidor e Direito do Devedor. Autor dos livros “Dívidas? Tô Fora! – Um Guia para você sair do sufoco”, “Testamento – Como, onde, como e por que fazer”, “Casa Própria ou Causa Própria – A verdade sobre financiamentos habitacionais”, “Guia Jurídico do Mutuário e do candidato a Mutuário”, além de ser responsável pela elaboração do Estatuto de Proteção ao Devedor e ministrar palestras sobre educação financeira.

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