Keno
Dormant account
- Joined
- Sep 4, 2012
- Location
- Eastern Coast of the USA
Admins, feel free to move this if it's posted in the wrong place. I'm brand new to posting here and somewhat new to the forums altogether. A really strange and frustrating situation came up and I need some opinions on what to do. In order to rid ourselves of any biases, no casino names will be mentioned until the end.
The situation involves 5 casinos. Let's call them Casino A, B, C, D, and E. A little over a month ago, I noticed that there had been $4700 worth of charges on 3 of my credit cards that did not belong to any casino, and were not made by either me or my wife. It took a few weeks to discover them because of the way they blended in with other transactions. I play on a lot of different casinos, and make a lot of $50 and $100 deposits specifically. My wife and I first found out about this by one of our credit cards getting declined when it shouldn't have been. Turns out that $2700 worth of fraud charges maxed out that card. That's when I started to compile a spreadsheet of all my deposits from the cashier histories. Besides the $2700 on that one card, we found another $2000 on 2 other credit cards. The spreadsheet I made confirmed that these $4700 in charges did not belong to any casino deposits. The descriptors also did not match any of the legitimate deposits I made at any of the casinos.
In order to track down the source of these transactions, I sent an email out to the 5 different casinos I played on while the fraud was taking place. The email told everyone about the transactions that appeared on my card, offering everyone a chance to claim them before they got charged back, and included an attached spreadsheet showing all 25 fraudulent transactions: the dates, the amounts, and the descriptors. Casinos A, C, D, and E all responded within a day or two. Casino A's reply was vague, while Casinos C, D, and E denied being part of the fraudulent charges, and cleared themselves by listing all of their legitimate descriptors. Casino B did not reply until a few days ago, which is about 2 months after the charges first appeared on my cards and 2-3 weeks after I sent the email to everyone. At the same time, Casino A closed my account and held onto my pending withdrawals until this was settled -- in total, a little over $12000.
So that leaves us with only Casino A and Casino B.
Casino B's reply sometime last week indicated that they DID recognize the (4) descriptors involved. They said that all the charges in question belong to processors they've used in the past, and that other players were falsely charged as well. It turns out we were being charged for failed deposit attempts! For me, that was $4700, and no joke. This was about a month ago, and at the same time nearly every casino was experiencing processor issues. I'm sure most of you remember that. About a week ago, I asked Casino B to reverse the charges on their end so that I wouldn't have any chargebacks on my record. They haven't replied since. So, if I don't hear anything from them in a reasonable amount of time, I'm either stuck with the charges, or forced to do 25 chargebacks.
Once Casino B replied, I sent emails to all the other casinos explaining that Casino B owned up to all of the transactions and that the issue was settled. I also asked Casino A to open my account up again and continue processing the pending withdrawals. Settled, right? Wrong!
Casino A responded that because I used the word "chargeback" in my email, that my account would remain closed permanently and no refunds would be taking place. They went on to explain that it's their company policy, because anyone who even says "chargeback" is a vital threat to their security and financials. They also told me that the decision was final, and that I could not appeal it. What the F**K!?!? Here I am trying to do the RIGHT thing by giving all the casinos an opportunity to claim the transactions, and this is what I get in return? I should have just reversed the charges (like a bad customer) and shut up about it.
On top of everything else going on, my wife has been laying into me heavy lately. "I told you before you played that these online casinos are all crooks!", or "Notice how Casinos C, D, and E didn't lock your account, even though they were in the same position as Casino A. It's because you have no pending withdrawals with them!" And that's what this weekend has been like. A lot of I told you so's and a lot of casino bashing. Since that horrifying response on Friday, my wife (who handles all of our banking and financials) told me that unless Casino A reopens the account and gives us our $12000 in its entirety, that she will be reversing ALL deposits. Obviously that DESTROYS my reputation with the casinos, but she doesn't seem to care much about that. And I can't really blame or disagree with her though. She's right to want the money we're entitled to.
Thoughts?
Any idea what to do with Casino A? What about Casino B? I'm open to any suggestions. Also, the casino names will be released in this thread...but not until after some opinions have been offered about the situation.
Thanks for your help.
CLIFFS: I noticed $4700 in unauthorized charges on 3 of my credit cards. The transactions didn't match any deposits in any of my casino histories and they weren't mine or my wife's. I sent emails to all the casinos I played on during that time and one of them claimed the transactions. Turns out they were failed deposit attempts that were incorrectly charged as actual deposits. One of the other casinos I emailed closed my account. Their reasoning? I used the word "chargeback", which is a vital security threat to them. This was also the one casino (out of many) that had pending withdrawals. The withdrawals are around $12,000 in total. The casino said they will be leaving the account closed permanently and that "no compensation would be offered" in this case. They also said that the decision is final, and could not be appealed.
----------HERE'S THE STORY----------
The situation involves 5 casinos. Let's call them Casino A, B, C, D, and E. A little over a month ago, I noticed that there had been $4700 worth of charges on 3 of my credit cards that did not belong to any casino, and were not made by either me or my wife. It took a few weeks to discover them because of the way they blended in with other transactions. I play on a lot of different casinos, and make a lot of $50 and $100 deposits specifically. My wife and I first found out about this by one of our credit cards getting declined when it shouldn't have been. Turns out that $2700 worth of fraud charges maxed out that card. That's when I started to compile a spreadsheet of all my deposits from the cashier histories. Besides the $2700 on that one card, we found another $2000 on 2 other credit cards. The spreadsheet I made confirmed that these $4700 in charges did not belong to any casino deposits. The descriptors also did not match any of the legitimate deposits I made at any of the casinos.
In order to track down the source of these transactions, I sent an email out to the 5 different casinos I played on while the fraud was taking place. The email told everyone about the transactions that appeared on my card, offering everyone a chance to claim them before they got charged back, and included an attached spreadsheet showing all 25 fraudulent transactions: the dates, the amounts, and the descriptors. Casinos A, C, D, and E all responded within a day or two. Casino A's reply was vague, while Casinos C, D, and E denied being part of the fraudulent charges, and cleared themselves by listing all of their legitimate descriptors. Casino B did not reply until a few days ago, which is about 2 months after the charges first appeared on my cards and 2-3 weeks after I sent the email to everyone. At the same time, Casino A closed my account and held onto my pending withdrawals until this was settled -- in total, a little over $12000.
So that leaves us with only Casino A and Casino B.
Casino B's reply sometime last week indicated that they DID recognize the (4) descriptors involved. They said that all the charges in question belong to processors they've used in the past, and that other players were falsely charged as well. It turns out we were being charged for failed deposit attempts! For me, that was $4700, and no joke. This was about a month ago, and at the same time nearly every casino was experiencing processor issues. I'm sure most of you remember that. About a week ago, I asked Casino B to reverse the charges on their end so that I wouldn't have any chargebacks on my record. They haven't replied since. So, if I don't hear anything from them in a reasonable amount of time, I'm either stuck with the charges, or forced to do 25 chargebacks.
Once Casino B replied, I sent emails to all the other casinos explaining that Casino B owned up to all of the transactions and that the issue was settled. I also asked Casino A to open my account up again and continue processing the pending withdrawals. Settled, right? Wrong!
Casino A responded that because I used the word "chargeback" in my email, that my account would remain closed permanently and no refunds would be taking place. They went on to explain that it's their company policy, because anyone who even says "chargeback" is a vital threat to their security and financials. They also told me that the decision was final, and that I could not appeal it. What the F**K!?!? Here I am trying to do the RIGHT thing by giving all the casinos an opportunity to claim the transactions, and this is what I get in return? I should have just reversed the charges (like a bad customer) and shut up about it.
On top of everything else going on, my wife has been laying into me heavy lately. "I told you before you played that these online casinos are all crooks!", or "Notice how Casinos C, D, and E didn't lock your account, even though they were in the same position as Casino A. It's because you have no pending withdrawals with them!" And that's what this weekend has been like. A lot of I told you so's and a lot of casino bashing. Since that horrifying response on Friday, my wife (who handles all of our banking and financials) told me that unless Casino A reopens the account and gives us our $12000 in its entirety, that she will be reversing ALL deposits. Obviously that DESTROYS my reputation with the casinos, but she doesn't seem to care much about that. And I can't really blame or disagree with her though. She's right to want the money we're entitled to.
Thoughts?
Any idea what to do with Casino A? What about Casino B? I'm open to any suggestions. Also, the casino names will be released in this thread...but not until after some opinions have been offered about the situation.
Thanks for your help.
CLIFFS: I noticed $4700 in unauthorized charges on 3 of my credit cards. The transactions didn't match any deposits in any of my casino histories and they weren't mine or my wife's. I sent emails to all the casinos I played on during that time and one of them claimed the transactions. Turns out they were failed deposit attempts that were incorrectly charged as actual deposits. One of the other casinos I emailed closed my account. Their reasoning? I used the word "chargeback", which is a vital security threat to them. This was also the one casino (out of many) that had pending withdrawals. The withdrawals are around $12,000 in total. The casino said they will be leaving the account closed permanently and that "no compensation would be offered" in this case. They also said that the decision is final, and could not be appealed.