Check bounced - 2 months after deposit

I believe your ATM rejections were caused by the routing numbers matching some database that the bank has where checks could be suspect.

A couple of checks I got the ATM wouldn't take them so I brought them into the bank, deposited them, and no problems.

For the OP, 2 months seems like a ridiculous amount of time in this day and age for anything. I would hope the bank causing the hold up would be investigated and possibly sanctioned for dragging their heels.

The way the whole world is connected there should not be any reason these transactions should take more than 1 business day. I can't picture the OP's bank watching their mailbox everyday waiting for the cash to be delivered from the bank the check was drawn on
.

I do not understand the ins and outs of the banking world, but like you, I would think that in this day of electronic this and that, that checking to see if a check is good shouldn't take 2 months - even one from Canuckland. However, I am hesitant to take the issue up with the ladies at my local bank as it might draw too much attention. *sigh* It's such a frickin' mess ...
 
oh my goodness mousey. im reading this thread and i was thinking .. ok no more canadian cks for me ever.. as 2 months ago i also wd from jc and the amount was 1290 dollars. anyway bank took it and told me it might take 6 to 8 weeks to clear. so i figure im in the clear. and then i read your post. now im gonna ck my account everyday to see if my ck might bounce as well. it was oct i think when i deposited it. since then i also wd a couple hundred. that may bounce 2 mo from now as well. i dont like the waiting game so as much as i like the casino ill have to do another option. i havent had a bounced ck from a casino in years. id hate to have one now. keep us posted on the situation
 
oh my goodness mousey. im reading this thread and i was thinking .. ok no more canadian cks for me ever.. as 2 months ago i also wd from jc and the amount was 1290 dollars. anyway bank took it and told me it might take 6 to 8 weeks to clear. so i figure im in the clear. and then i read your post. now im gonna ck my account everyday to see if my ck might bounce as well. it was oct i think when i deposited it. since then i also wd a couple hundred. that may bounce 2 mo from now as well. i dont like the waiting game so as much as i like the casino ill have to do another option. i havent had a bounced ck from a casino in years. id hate to have one now. keep us posted on the situation

i dont know where you folks bank and what type of banks you have but there is no way a check can take 6-8 weeks to clear even a canadian check. I imagine all checks go through a clearing house and within 2days you will know if a check bounced or not.
And if this is the case its the "firm" writing thecheck which has insufficient funds and JC will repay you with a different check writer after the "bounced" check has been documrnted
I am speaking from experience!!
 
i dont know where you folks bank and what type of banks you have but there is no way a check can take 6-8 weeks to clear even a canadian check. I imagine all checks go through a clearing house and within 2days you will know if a check bounced or not.
And if this is the case its the "firm" writing thecheck which has insufficient funds and JC will repay you with a different check writer after the "bounced" check has been documrnted
I am speaking from experience!!

The problem was far greater that a bounced check that JC will no doubt replace. The players' bank kicked the player out, and then reported him to an external agency that is effectively a blacklist that will make it almost impossible to open another bank account. JC replacing the check is no good, the player no longer has a bank! This does not just stop him from receiving withdrawals by check, it prevents him from living as a regular American citizen. With no bank account, how does one get paid a salary, pay bills, save money for a holiday, invest for the future, etc.

This came from just ONE bad check, yet it is relatively common for casino checks to bounce, and get replaced by the casino via a different processor. It seems to be a sign that the banks are taking a much harder line over all of this, and basically issuing the maximum penalty for a first offence.

Maybe the bank knows far more than they are saying, and they KNOW this is not just a regular bad Canadian check.
 
i dont know where you folks bank and what type of banks you have but there is no way a check can take 6-8 weeks to clear even a canadian check. I imagine all checks go through a clearing house and within 2days you will know if a check bounced or not.
And if this is the case its the "firm" writing thecheck which has insufficient funds and JC will repay you with a different check writer after the "bounced" check has been documrnted
I am speaking from experience!!

Well all I know is the ladies at the bank told me (I went inside to deposit the first Canadian check last year to be sure the bank could handle them) that I have immediate access to the money because I've been with them forever, BUT Canadian checks take up to 2 months to actually clear - and this bank is used to dealing with Canadian checks because of the snowbirds that come here to vacation.

The check that was returned was due to 'Account Closed', not insufficient funds. I am well aware that these sort of problems are because the processor that wrote the check disappeared or had their accounts seized that is causing this, not because JC is having money problems.

Just a note here for clarification, so far it is not my bank account that has been closed .... that is another member in this thread.

I haven't heard a peep from JC since Dec. 23rd. Hopefully things will begin moving along now that holidays are behind us.
 
I am still waiting to see if my ck from jc will bounce. i deposited one on oct 28th from them. as mousey says my bank told me the exact same thing.. 6 to 8 weeks to go thru. i figured it had cleared by now until i read this thread. now im constantly cking my bank account and mail box to see if i have a letter from the bank telling me my ck was not processed. if i did get lucky and the ck didnt bounce then i still got to worry about the other ck i just deposited as well. its to much stress. i know the casino will make it alright but its the problems we face just because things went wrong in the first place.
 
Bounced Canadian Checks

It looks like we should put "non-play" pressure on the American faced casinos, if they won't use US banks for their checks.

That is the "only" recourse we have.

At least 3 Dice has an alternative, and I have at times had US checks from InetBet.
I have occasionally requested US checks from Inetbet and received them, but I don't know if my request was really the instigation or if it just happened.

So far I have never had one bounce since the Trade Towers went down and the New York bank they used was temporarily disabled. But it is scary! That is one reason I maintain a backup credit account with the banks own credit card in case a check does bounce. That way my credit with the payees is not jeopardized, just a credit card bill to repay.

MaryJeaN
 
I wanted to update everyone ... Jackpot Capital made good on the bounced check and I received my funds on New Years Eve. It was nice that they took care of the issue without making me jump through hoops and requiring me to wait weeks until I got the check back from the bank, as it was bad enough my account got closed and now I am on the dreaded "bank shit list" .. oh well, nothing much more I can do but wait out the ban.
 
i dont know where you folks bank and what type of banks you have but there is no way a check can take 6-8 weeks to clear even a canadian check. I imagine all checks go through a clearing house and within 2days you will know if a check bounced or not.
And if this is the case its the "firm" writing thecheck which has insufficient funds and JC will repay you with a different check writer after the "bounced" check has been documrnted
I am speaking from experience!!

This was a HUGE bank ... one of the "big four" in the US. If you think about it, they hope that it will bounce so they can collect fees on the overdraft amount. In my opinion, it shouldn't take that long for any check to clear a bank, I don't care where it is located. A simple phone call would have told them whether or not the check was good and all of this nonsense would have been avoided. I am still not going to let this rest with the bank. I am on them about the way they handled this situation and I am going to keep on pestering them until I get some answers as to why they let this go so long without contacting me and that if they have reported me to chexsystems then they sure as hell better take me off as this was not my fault. I have already told them that I know that it doesn't take that long and that there is something really wrong with the way they handle foreign checks and that it is not the depositors fault if the check is not good, when all they had to do was pick up the damn phone and verify the funds if they had any reservations about not being able to collect on it. Instead, they let it go on for a month or so and not once did they even contact me regarding the problem. I only found out about it AFTER I went in to make a deposit into my account and found out they closed the account. No phone call, no correspondence via mail ... NOTHING. In my opinion, that is a really crappy way to do business and treat your customers after they bailed your ass out with their tax money.
 
Well all I know is the ladies at the bank told me (I went inside to deposit the first Canadian check last year to be sure the bank could handle them) that I have immediate access to the money because I've been with them forever, BUT Canadian checks take up to 2 months to actually clear - and this bank is used to dealing with Canadian checks because of the snowbirds that come here to vacation.

The check that was returned was due to 'Account Closed', not insufficient funds. I am well aware that these sort of problems are because the processor that wrote the check disappeared or had their accounts seized that is causing this, not because JC is having money problems.

Just a note here for clarification, so far it is not my bank account that has been closed .... that is another member in this thread.

I haven't heard a peep from JC since Dec. 23rd. Hopefully things will begin moving along now that holidays are behind us.

Happy New Year Everyone! Been a long time since I posted anything. Damn working for a living!!!



Mousey- I would not normally discuss this in an open forum but reading your experience I just want to reassure you I think this will all be settled.JMO mind you!

This happened to me twice with JC/Slotastic. I never "outed" them They always made right on the wrong. I am a bit confused to the time frame that it took so long for the check to clear. Normally one would know within 2 weeks (10 business days in the US) I used to manage a banking branch & it does seem quite odd it was so long. The two times it happened to me were both due to closed accounts not insufficient funds. Yasmeen always came through and rectified the situation. Spoke with her via phone on both occasions. I have my fingers crossed that this will end up okay for you too. Please keep us posted!

Christine
 
This was a HUGE bank ... one of the "big four" in the US. If you think about it, they hope that it will bounce so they can collect fees on the overdraft amount. In my opinion, it shouldn't take that long for any check to clear a bank, I don't care where it is located. A simple phone call would have told them whether or not the check was good and all of this nonsense would have been avoided. I am still not going to let this rest with the bank. I am on them about the way they handled this situation and I am going to keep on pestering them until I get some answers as to why they let this go so long without contacting me and that if they have reported me to chexsystems then they sure as hell better take me off as this was not my fault. I have already told them that I know that it doesn't take that long and that there is something really wrong with the way they handle foreign checks and that it is not the depositors fault if the check is not good, when all they had to do was pick up the damn phone and verify the funds if they had any reservations about not being able to collect on it. Instead, they let it go on for a month or so and not once did they even contact me regarding the problem. I only found out about it AFTER I went in to make a deposit into my account and found out they closed the account. No phone call, no correspondence via mail ... NOTHING. In my opinion, that is a really crappy way to do business and treat your customers after they bailed your ass out with their tax money.

It looks like they have failed to follow the guidelines for placing you on the blacklist. Before taking such drastic action, they should have given you an opportunity to put things right. Without the kind of regulation we have here in the UK, you may have to resort to a "name and shame" of this big bank in the media, demonstrating how they failed to follow their own procedures, and all over a tiny $1000 problem check that only became a big problem because they dragged their feet collecting the funds. You could now tell them that you have made a formal complaint to the company concerned, and that they have replaced the bad check with a good one, pointing out that all the bank needed to do was contact you in order for you to resolve the issue before the extended holiday was even over.

If they offer you the account back and take you off the blacklist, open an account with a competitor, and when it is good to go, tell your bank "no thanks" because of how they have treated you. You could even threaten to sue them, and it's just possible they will seek to avoid bad publicity by offering you out of court compensation for the stress and inconvenience they caused.

It's also possible that they have yet to get around to putting you on the blacklist, as this all happened during an extended holiday period.

Your aim should be to rectify any damage done to your everyday life by this, it would still be wise to ensure you can never be caught out again by this kind of problem. You cannot guarantee that you won't again be faced with being paid via check, with no alternative on offer.
 
This was a HUGE bank ... one of the "big four" in the US. If you think about it, they hope that it will bounce so they can collect fees on the overdraft amount. In my opinion, it shouldn't take that long for any check to clear a bank, I don't care where it is located. A simple phone call would have told them whether or not the check was good and all of this nonsense would have been avoided. I am still not going to let this rest with the bank. I am on them about the way they handled this situation and I am going to keep on pestering them until I get some answers as to why they let this go so long without contacting me and that if they have reported me to chexsystems then they sure as hell better take me off as this was not my fault. I have already told them that I know that it doesn't take that long and that there is something really wrong with the way they handle foreign checks and that it is not the depositors fault if the check is not good, when all they had to do was pick up the damn phone and verify the funds if they had any reservations about not being able to collect on it. Instead, they let it go on for a month or so and not once did they even contact me regarding the problem. I only found out about it AFTER I went in to make a deposit into my account and found out they closed the account. No phone call, no correspondence via mail ... NOTHING. In my opinion, that is a really crappy way to do business and treat your customers after they bailed your ass out with their tax money.

Just a very discouraging thought here!! Do you think the bank suspected that the funds were from a casino( via devious measures)? The banks would be in deep crap if the feds hete found outand the bank was just trying to protect itself. I mention this because you said it was one of the BIG FOURS so I can't blame the tiny little regional banks.
JC should get on the ball and clarify with you IMMEDIATELY although they require copy of returned check which you cant get since a/c closed This is really the definition of caught between a rock and a hard stone.
I feel your frustration and I would be MAD AS HELL!!!
Really, why not call Yasmeen who I think is the BEST of the BEST in what her job is!!
 
Happy New Year Everyone! Been a long time since I posted anything. Damn working for a living!!!



Mousey- I would not normally discuss this in an open forum but reading your experience I just want to reassure you I think this will all be settled.JMO mind you!

This happened to me twice with JC/Slotastic. I never "outed" them They always made right on the wrong. I am a bit confused to the time frame that it took so long for the check to clear. Normally one would know within 2 weeks (10 business days in the US) I used to manage a banking branch & it does seem quite odd it was so long. The two times it happened to me were both due to closed accounts not insufficient funds. Yasmeen always came through and rectified the situation. Spoke with her via phone on both occasions. I have my fingers crossed that this will end up okay for you too. Please keep us posted!

Christine

I don't doubt that JC will get my money to me one way or another - eventually.

I am not dealing with Yasmeen, but going thru usual casino support as I feel contacting the forum rep is the next to last resort for resolving a problem. It seems I am a VIP after all (no biggee... can't tell that those 3 letters make any difference)- JC VIP support should be able to handle this in a timely fashion. I don't think they have, but I've been gambling online off and on for over a dozen years and I know how 'dead' the casino support and cashier departments are during winter holidays, so I'm being patient... so far.

(My hubby was retired military. And if learned nothing else in all the years we were married, I learned 'go through the proper channels'. Old habits die hard... LOL)
 
This post was started in December(2013, I hope).
Is there a resolution as yet Very curious since I play only at JC and Slotastic and rarely

Still waiting on a WU. After sending JC 3 emails (spaced over 2 weeks time) they replied Tues. and said to expect a tracking # in a couple of days.

Speaking of which... would someone PM me and tell me what I'll need to do to pick up the WU? Haven't had one in years.....
 
You'll need photo ID and the MTN (money transaction code/number) plus the exact details of the sender. The form to claim the cash is quite detailed and has to be complete - the name/address of sender has to be accurate, as that's how they know the cash is meant for you specifically; they won't tell you this.
 
And a note to ALL customer service people:

Even if you have nothing to tell a customer in a reply email, reply anyway... 'will let you know something as soon as we can', or 'i'll check with the cashier', is better than no reply at all.
 
Still waiting on a WU. After sending JC 3 emails (spaced over 2 weeks time) they replied Tues. and said to expect a tracking # in a couple of days.

Speaking of which... would someone PM me and tell me what I'll need to do to pick up the WU? Haven't had one in years.....

Silk and satin is the only person I know who receive WU so far. I have one coming for the first time and still waiting The fee is excessive though compared to overnight express.

I got scared after a check I received , the bank could not enter the routing code on the computer. They had to send check to headquarters to check it out. Fortunately, was a Canadian owned bank and all is well now Funds are available. WHEW!!
 
Silk and satin is the only person I know who receive WU so far. I have one coming for the first time and still waiting The fee is excessive though compared to overnight express.

I got scared after a check I received , the bank could not enter the routing code on the computer. They had to send check to headquarters to check it out. Fortunately, was a Canadian owned bank and all is well now Funds are available. WHEW!!

Glad your check turned out ok.

As for WU fees.... fees and my wittle cash outs are two reasons I've never used it. I'd have to have a huge withdrawal to justify the fees. On this one, they're eating the WU fee as they're making up for a crappy check.
 
Glad your check turned out ok.

As for WU fees.... fees and my wittle cash outs are two reasons I've never used it. I'd have to have a huge withdrawal to justify the fees. On this one, they're eating the WU fee as they're making up for a crappy check.

The form for Western Union pickup has changed and is more streamlined. I just did a pickup last week and all you need is ID and the name and country or origin of the initial, the exact amount of the pickup as well as the Money Control number. I have never been questioned and it only takes a few minutes and you are on your way. Hope you get you cash soon. This is the best method of withdrawal as far as I am concerned. I have always had the money either the same day or the next day after I got the processed email. Good Luck to you and enjoy your winnings!

:D
 
Yet I think were referring to a Canadian check.
Trust me I've heard horror stories about US banks collecting on canadian checks. I don't know why, you would think the US and Canadians would even be friends banking wise. Making it easier for them to cash the checks, yet apparently there isn't. Even my bank said it could take up to 60 days for a Canadian check to clear or bounce.

These posts, especially yours cheetahwind, pricked my ears. Although I've know for a while USA based players have had a bad run getting their winnings (in most cases), which btw I feel really bad for all of you :) One thing stands out here, that is, the long delays.

I was somewhere online a few months back and somehow or other, wound up on an affiliate forum. There was big song and dance over some chargebacks. Why your post cheetahwind stood out, is because on that forum, a affiliate manager was saying USA banks bent over-backwards for account holders, they'd do practically anything to not lose a customer.

But it seems your post and others are saying the complete opposite. Just got me thinking that's all.
 
Do not request payout via check or wire. It is so much easier to withdraw via MoneyGram or WU.

I just did and it's like receiving cash in the mail. Hassle free.

As soon as you receive the MTN ($ transfer #) you can go collect your cash, instantly. Though you'll need to supply ID and, in some cases (if the agent is wary), the name of the person and the place it was sent from, and the amount. Albeit I'm in Australia but received a WU once, $2K from a poor 3'rd world country courtesy of an online casino. That raised a red flag and I almost did not get my money... just saying.

Make sure you have all the details, because your going to look suspect if you don't know who's sending you cash :D
 
Sorry, missed this.

Yes, when you receive your email from casino that it has been processed. It's there.

I would go to a big chain supermarket for larger withdrawels rather than a small deli, etc..as they may not have enough money to give you.

Walmart does MoneyGram and Price Chopper does WU.:)
 
Western Union Is best

I do WU withdrawals a lot. It is like having the money in you hand in a day or two. You can't beat that compared to the long waits for wired funds that get "trapped" in the nightmare of the third party that handles them and a hope and a prayer the third party doesn't confiscate and run with the mony as it seems many casino keep getting caught in ,,,and also the delays to try and remedy these problems of lost money..

I have withdrawn a few thousand (max allowed) and I had no issue with it at any of the western union locations. Anything over a $1000 I go to a check store, loan store or other places that handle large sums. Under a $1000, I go to grocey store , the bank, or walmart as someone said. I do call before I go to ask if they can cover the amount I need and they always say they can hold it out (did not do a drop of cash into the safe). I rotate the area I go to for my money so I do not hit the same place in the same month.

The fees are high, but the way I see it, it is a "sticky" bonus cost. Many casinos now take the bonus back but I play most of the time where they do not so I just look at it as a sticky bonus and the bonus is, the money is in my hand!!!

.
 

Users who are viewing this thread

Accredited Casinos

Read about our rating system and how it's done.
Back
Top