What is the regulatory framework and how can I
regulations regarding SINPE services are included in the Organic Law of the
Central Bank of Costa Rica (Ley Orgánica del Banco Central), and in the System of
Payment Regulations (Reglamento del Sistema de Pagos.)
them click here
Regulations you may find the articles to support your claim with the
financial agency allegedly violating a rule that has affected your interests.
Who may file a claim?
may be submitted both by individuals and by juridical persons -whether
national or foreign- provided they are duly identified.
What entities are subject to a claim?
may involve any entity that has joined SINPE which provides services and has
allegedly failed to comply with a procedure.
When can a claim be presented with BCCR’s Claims Service?
must be previously presented in writing to the department the entity in
question has established for such matters.
may be filed with BCCR if it has been turned down or rejected, or after 45 calendar
days of having filed it without it being addressed by the financial entity.
When are claims not admitted by BCCR?
may be turned down in any of the following cases:
essential data to process it are omitted
the 45-day period for presenting it to the corresponding entity has elapsed
the facts of the claim should be heard by administrative, arbitration, or
judicial bodies, or if they are the subject of lawsuits in said bodies
• When a
claim reiterates others previously filed.
the periods for taking action or claiming rights have expired.
be noted that the Claims Service is not competent to assess any potential
damages, nor to issue any orders for indemnification.
How and when may a claim be filed with BCCR?
may be filed by any of the following means:
By electronic means
form should be filled out, enclosing all documentation to back it up.
claims should include the following:
Identification of the interested party - Name, last name, mother maiden’s
name, or company name, domicile -for notices-, identification number and
representative (if any.)
• Entity/ies subject of the claim and office/s involved
Specific reason for filing the claim
Documentation to prove that previous procedures have been complied with the
office charged by each entity to address such claims
• You may
go personally to BCCR’s correspondence office, or send your claim by regular
mail to BCCR’s Claims Service, Services Division.
How are claims processed with BCCR?
• A case
file is created for each claim.
case file contains the documentation provided by the claimant.
documentation is incomplete, the claimant will be asked to complete it within
10 working days, with a warning that the claim will be turned down should
they fail to meet this period of time.
the claim is complete and deemed valid, the entity involved will have 5
working days to present its arguments.
claim is analyzed once such arguments are received.
process will be deemed as finished if the entity accepts the claim, or if the
claimant voluntarily drops it.
process is completed with a written report from the Claims Service, which in
no case may be appealed by administrative means.
this report be unfavorable for the entity subject to claim, said entity will
be compelled to inform the Claims Service whether it has credited the funds
within 5 working days since being so notified.