Charges 9 Months later....

Nate

Paleo Meister (means really, really old)
webmeister
CAG
PABinit
Joined
Feb 14, 2007
Location
Cyberspace
I have been having the most horrific time with my bank... Get this:

In September 2011, I made a few deposits at 32Red over a 3 days period. During this time I also had a few withdrawals (Something to the tune of $15k)

Now usually when I deposit via CC, The funds are removed from my available balance and put in a 'Pending State' until the merchant submits the payment request.

A week or two ago, I get this bill hitting my card and depleting my available balance for over $1000. I log onto internet banking and I see 3 or 4 deposits to 32Red BUT dated September 2011...

I DIDN'T Panic because of 32Red stellar reputation and I knew IF those charges were submitted late, they would deal with it.

I contacted Pat Harrison and advised him... After a lengthy investigation by the processor and VISA, it was found that ALL charges were submitted in time by the processor.

I sent my Bank an email and called them. They advised me that the merchant only submitted the payment request a week or two ago...

I trust 32Red and I depise my bank - They also 'Lost' a WD 32Red sent to my card during the same period.... It eventually did reach me about 2-3 weeks later...

How Shitty is this? :mad: ... I have not received a response over a week later and I am $1000 out of pocket because THEY cocked it up somewhere!!!

FTR - I do have a rather large limit on my card and I also received over $15k back to the same Card. I assumed it all had been sorted (Lots and Lots of transactions)... Nine Months later - apparently NOT. I am still fuming!!!

Nate
 

Nate

Paleo Meister (means really, really old)
webmeister
CAG
PABinit
Joined
Feb 14, 2007
Location
Cyberspace
Been in contact with the bank and they are still adamant that the merchant submitted payment late - I am convinced MY BANK messed this up. They are yet to reply to several requests to confirm this in writing.

Anyone ever experience this? This is a first for me...

Nate
 

ksb11

Dormant account
Joined
May 10, 2009
Location
Wait'n for a payout!
Been in contact with the bank and they are still adamant that the merchant submitted payment late - I am convinced MY BANK messed this up. They are yet to reply to several requests to confirm this in writing.

Anyone ever experience this? This is a first for me...

Nate

Not to that extent, Nate. I would be fuming as well. I would just keep hounding your bank until they give you the $$ back or until you are half convinced they COULD be right. It doesn't sound like they are.
 

conker

Dormant account
Joined
Feb 10, 2012
Location
UK
I hope you get to the bottom of it Nate. There is nothing that winds me up more than banks messing up.
 

rockycatt

meistercatt
Joined
Oct 26, 2008
Location
Boston
you need some kind of spread sheet in hand then submit a copy to 32 red and get there written comments to go back to the bank with [assuming its legal were you reside ]
 

Nate

Paleo Meister (means really, really old)
webmeister
CAG
PABinit
Joined
Feb 14, 2007
Location
Cyberspace
I have been playing online for about 12 years... Never had something like this... I coulda made someone pregnant and she would just about been giving birth and the charges would come through... LOL

Poor Ol' Pat Harrison says he never saw anything like this either!...

The thing that winds me up is that this is a COSTLY mistake. I mean who would like to be charged $1000+ outta the blue and 9 months later. When these things are decided do the banks even think of the financial consequences for individuals?

Here you budget for everything you do and WHAM - Heres a $1000+ bill for ya... Uhmm from last year... I cant even tell if the currency conversion rate was infact from that time or recent :confused:

It's good that it happened at 32Red, the most reputable place, but I am afraid it looks like its outta their hands and I will just have to fit the bill for this. I don't like to dig into my available balance and always top my card up with funds. In this instance I had no choice but to refund my card to that amount and take the knock head on - Something I am not pleased with... but what else can I do?

What baffles me here is WHY on earth would they charge me 9months later. I mean even if the payments were not put through.... does it really take 9 months with technology at its current level?

Nate
 

skiny

Banned User - violation of <a href="http://www.cas
Joined
Oct 30, 2008
Location
Canada
When I read "charges 9 months later" I thought you had to pay to have a baby delivered. :rolleyes:
 

Nate

Paleo Meister (means really, really old)
webmeister
CAG
PABinit
Joined
Feb 14, 2007
Location
Cyberspace
you need some kind of spread sheet in hand then submit a copy to 32 red and get there written comments to go back to the bank with [assuming its legal were you reside ]

I did submit a screenshot of the charges from my banking profile ... VISA investigated according to 32Red and they see nothing wrong...

When I read "charges 9 months later" I thought you had to pay to have a baby delivered. :rolleyes:

LOL - Uhmmm well I could have been paying to have a baby delivered given the time this took to be charged :)

Nate
 

LHofsdal

Ueber Meister
MM
Joined
Jan 9, 2010
Location
NY
Can you log into your Visa account and go back the 9 months and see if they have already charged you way back then. I know with my debit card I can go back a year.

Sorry this has happened to you Nate, keep us posted. I would be a PINA to the bank until they can show these charges as legit.

LH
 

azzagirt

Full Member
Joined
Apr 20, 2011
Location
Great Southern Land.
You could try {visa verified }. Pretty sure 32 red use them with visa deposits for every deposit transaction. You put in an authorisation code in before payment will be made. I go through that procedure with visa and 32 red. This could be a good place to look for answers also..Good luck.

Banks give you the eebie jeebies I know. Only today I noticed my internet cash bank transfer of 3 days ( cash to cash) still had not been credited to my other bank account.. 3 days for cash to cash is ridiculous. And internet banking of my accounts with this particular bank is at least 3 days behind on occassions with updates and this is one of the majors in Australia.. It's a joke..

Sorry upon reading again you have had visa investigate. And see you may be not be concerned about double up charges but if so verified by visa should be able to help hopefully..
 

Nate

Paleo Meister (means really, really old)
webmeister
CAG
PABinit
Joined
Feb 14, 2007
Location
Cyberspace
if there are any cash advance charges for casino deposits ? are you figuring them into the equation

They definitely are not fees Rocky - My Card almost always has extra funds over and above my Credit Limit. The funds deposited this time were MY Cash and I also had a nice buffer from WD's I made.

Thing is, I was NOT anticipating this which means it dug into my credit limit and I had to take Cash from my pocket to fund it.

Nate
 

Nate

Paleo Meister (means really, really old)
webmeister
CAG
PABinit
Joined
Feb 14, 2007
Location
Cyberspace
I eventually had a reply from my Bank today...

A 'Batch' of international transactional data went missing. They were only able to recover it 9 months later. Charges stick and I lose $1000+ for their cock up...

Thanks for banking with us!:mad:

Nate
 

smcinoz

Dormant Account
Joined
Jan 22, 2012
Location
Australia
I eventually had a reply from my Bank today...

A 'Batch' of international transactional data went missing. They were only able to recover it 9 months later. Charges stick and I lose $1000+ for their cock up...

Thanks for banking with us!:mad:

Nate

you sticking with them or taking your business elsewhere
 

Jasminebed

Game old gal
Joined
Mar 13, 2008
Location
Ontario
I am by no means trying to beat up on you Nate. You do a lot of transactions, and you mostly trust the banking system is getting it right.

Well, it was nine months later when they got it right?

Are you confident they got it right? Eventually?

Or no idea this long after the fact?

Gambling is supposed to be a leisure activity. But we need to watch our money closely as well.

But I would expect the banking system to pick up an error much sooner than that, withing the same month say.

If you keep very close records of your gaming and you don't feel it's right, I'd pursue it more closely. Banks make mistakes too, they made at least one in the past nine months according to them.
 

Nifty29

Dormant account
Joined
Jun 20, 2001
Location
Turn right, then right. then right again
Nate

Did you check your card terms?

I'm sure mine has a "statute of limitations" after which charges can no longer be posted. Otherwise you could have stuff from years ago pop up and have little chance of verifying it.

I reckon you need to do a monthly reconciliation or get a bookkeeper in each quarter to keep everything sorted. I reckon with your volume it would be worth the minimal outlay.
 

Nate

Paleo Meister (means really, really old)
webmeister
CAG
PABinit
Joined
Feb 14, 2007
Location
Cyberspace
I am by no means trying to beat up on you Nate. You do a lot of transactions, and you mostly trust the banking system is getting it right.

Well, it was nine months later when they got it right?

Are you confident they got it right? Eventually?

Or no idea this long after the fact?

Gambling is supposed to be a leisure activity. But we need to watch our money closely as well.

But I would expect the banking system to pick up an error much sooner than that, withing the same month say.

If you keep very close records of your gaming and you don't feel it's right, I'd pursue it more closely. Banks make mistakes too, they made at least one in the past nine months according to them.

I agree Jazzy - Its simply unacceptable. I spoke to them and they agree; however the charge is Legit. It was reserved and then reversed back to the card because It was pending forever.... I did not take notice.

Nate

Did you check your card terms?

I'm sure mine has a "statute of limitations" after which charges can no longer be posted. Otherwise you could have stuff from years ago pop up and have little chance of verifying it.

I reckon you need to do a monthly reconciliation or get a bookkeeper in each quarter to keep everything sorted. I reckon with your volume it would be worth the minimal outlay.

I spoke to the Banking agent and according to him, I 'owe them the money' so they are within their rights to charge it. Again, they agree that it is not the norm and apologise; however, I can not claim the money back even if it was due to their error... its kinda - Sorry - You owe us... even if its 9 months old. Its apparently stipulated in the conditions of my card (I have not verified it yet).

I have opted to start using Neteller as an alternative as I do load and use more than 1 credit card / debit card to deposit online. Its now centralized so I can easily keep track of all transactions.

Nate
 
Top