Clubworld Group Overcharge on Credit Card Deposits

BMWSTACK

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Location
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Is anyone else getting overcharged on Credit Card transactions? Every single transaction I do with any Clubworld casino is overcharged by some change to a number of dollars. It seems to be the bigger the transaction the bigger the overcharge. The descriptor for transaction is normally Eldorado.

I did try to address this with Clubworld/ Tom about 3- 4 weeks ago. Karolina is the person who was responding at that time. She requested a copy of the transactions, which I provided. She said she would look into right away which she did, when I spoke to her she said that its probably my bank. I explained to her that I get a separate charge for the international transaction and my bank wouldnt change the amount that comes in (i am in this type of business and know the process well) . I explained to her that it has to be the processor, and offered to explain to Tom the situation so that it does not create a problem with other players. Well she credited me $25 for the overcharges right away. I did double check with the bank and of course they only process what the merchant requests.

Well it is still happening on every single charge. Here is an example: If you charge $100 it shows on the cashier confirmed credit card transaction reciept as $99.30 (which is standard with RTG) but then it goes throught the bank for $103.71, then I get a separate international transaction charge from my bank (no big deal its the bank).

The overcharge certainly isnt large money but its principal. Do i really have to keep sending copies of bank statements to get the difference? On top of it all I normally take bonuses so when I get refunded its just straight money and not a whole heck of a lot ,would have liked to have bonus amount also.I do like Clubworld, and I am a fan of Tom. When I spoke to Karolina I figured there would be a lot more concern about overcharges, she was nice enough but I figure it would be an urgent issue to look into it, but they all seemed satisified that the processor wasnt overcharging. I have been playing Clubworld for years and wont stop depositing because of this, but overcharges with a processor should be addressed. Normally the lengthier payments are becausee of processors, whats going to happen with a process that charges whatever they want?
 

silcnlayc

Just one more spin pleez!
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This is a charge

I asked my bank why it was different. It is a conversion charge by the bank it seems. I used to get charged a few dollars after depositng such as deposit $45, then a $1.10 fee was placed against my account also. Banks charge this either way it seems.
 

Mousey

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Location
Up$hitCreek
I asked my bank why it was different. It is a conversion charge by the bank it seems. I used to get charged a few dollars after depositng such as deposit $45, then a $1.10 fee was placed against my account also. Banks charge this either way it seems.

OK... so USA players get these weird charges, as well as UK players... what currency are they converting to/from?
 

BMWSTACK

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I asked my bank why it was different. It is a conversion charge by the bank it seems. I used to get charged a few dollars after depositng such as deposit $45, then a $1.10 fee was placed against my account also. Banks charge this either way it seems.

Hmmmm , my bank said they didnt change the charges. This is the first time it has ever happened over the years. Nobody else has this problem. Jackpot Capital is exactly what it show on the reciept which is normally a few cents short.
 

chuchu59

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Hmmmm , my bank said they didnt change the charges. This is the first time it has ever happened over the years. Nobody else has this problem. Jackpot Capital is exactly what it show on the reciept which is normally a few cents short.

The JC/CW comparison indicates the problem to be on CW's end. I reckon the CW processor must be charging the casino some ridiculously low rates. CW sticks with them despite many problems stemming from their side. CW risks a slide in their reputation over so many problems related to processing so if the sole reason for staying with them is low costs then they should have a hard look at it again. Right now, complaints in this area are mounting.
 

BMWSTACK

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The JC/CW comparison indicates the problem to be on CW's end. I reckon the CW processor must be charging the casino some ridiculously low rates. CW sticks with them despite many problems stemming from their side. CW risks a slide in their reputation over so many problems related to processing so if the sole reason for staying with them is low costs then they should have a hard look at it again. Right now, complaints in this area are mounting.

Actually with all the problems with processors and finding them, i would think the rate is high. Casinos cant be picky these days because there are so few processors. Now obviously I am talking about processors that do US, exclude US and the rate is probably lower, competitive and very many of them.
 

Pocketdiggers77

Gamester
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Location
On Top of Old Smokey
This happened at Sloto when they switched to a Chinese processor. They were skimming sometimes $1.00 and more on every transaction. Also, my bank started calling me with fraud alerts because of the transactions coming from China. I think Sloto eventually put up a disclaimer stating the transaction could go through for more than the amount you requested which is pure bullshit in my book. It is ok to charge less but if are charging more that is fraud.
 

anniemac

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It's not just CW group. It happens with InetBet, Sloto, DesertNights for me when I deposit via CC.

When I deposit thru OkPay to InetBet, I never receive the amount of money that I deposit. It's always less by $1 plus. When I deposit thru OKPay to CW, I get the exact amount.

I have laid it down to the cost of gambling online.
 

bb28

Dormant Account
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Nov 18, 2006
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US
Reading these thread has me worried for you guys that are using your bank accounts to fund gambling.

With the current climate, it's just not wise or prudent.
 

weesie

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Old bag lady with a laptop
Hi all!

I have had the same thing happen.

I just scan the page of my bank statement (I bank on line) and send it to the cashier.

Last month it was about 3.00 total. Lucky Red gave me a credit of 5.00 to cover it.
 

vinylweatherman

You type well loads
Joined
Oct 14, 2004
Location
United Kingdom
None of this should be happening to UK players. In fact, as a UK based company CWC could end up in some serious trouble over this, irrespective of where the actual gambling is licensed. If the bank is making the charges, they are bound by the rules set by the FSA, and must give players clear guidance of how the charges are calculated and levied. It seems that in this case the bank is levying it's charge clearly and separately, so the other charge must be coming in from the CWC processor. Unless CWC make a clear statement to players that such charges will be levied on card transactions, they are breaking the rules for operating within the UK. It would then be a matter for Trading Standards or the OFT to investigate. If the charge hits the bank in US Dollars, and CWC operates in US Dollars, then it CANNOT be anything to do with currency conversion, as this is being handled by the player's UK bank (and charged for accordingly).

The receipt also seems to be false, misrepresenting a $100 deposit as $99.30, and then bumping the total to over $100 with some ill defined fees.

What is going on here is pretty obvious. CWC are processing your card deposits via the same dodgy processors they use to circumvent UIGEA for US players. These processors are largely unlicensed and unregulated, and many are really "quick buck" operations set up by the criminal underworld who may as well do a bit of skimming on top of breaking the US UIGEA laws.

If a proper processor were being used, the receipt would be $100, and your bank would see $100 coming in as the charge, and the bank fees would be clearly shown as a separate item.

Non US players are far less likely to accept overcharges as the price of playing online, and CAN make official complaints without worrying about their bank freezing or closing their accounts for initiating "illegal transactions".
 

labeled

The eagle got Kevin!
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Land of the "free"
This skimming by the processors really pisses me off, and Sloto/Desert Nights treats it as par for the course/part of doing business overseas, which is awesome for them, as they are not the ones who are getting stolen from. If I'm unlucky enough to get that particular processor, I get an .80 overcharge on a $25 deposit, like clockwork. The other two processors they use never overcharge.

If you bring it to the attention of support, they just tell you it's an international transaction fee. Really? Then why don't they ALL do it? Answer: because some outfits are dodgier than others, plain and simple.

Also, if you're getting fraud alert calls from your bank, try to make sure to never have two deposits back to back - that will trigger a fraud alert immediately IME. If I feel the need to chase a loss I'll break it up by buying something on Amazon.
 

Pocketdiggers77

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Reading these thread has me worried for you guys that are using your bank accounts to fund gambling.

With the current climate, it's just not wise or prudent.

If you are referring to what I posted, it was Netspend that called me and I also have a backup card at a real bank just for gambling that called as well. You are correct though, It would not be prudent in ANY climate to give these clown processors access to a main bank account.
 

amatrine

Crazy Cat Lady
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Jul 3, 2002
Location
Arizona City, Az
I just deposited at desert nights for the first time yeterday, will have to go check that. Club world stopped taking my credit card, this month. Last month though, the charges were normal.
 

labeled

The eagle got Kevin!
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Location
Land of the "free"
Just checked my bank, for me at least with desert nights, its was 25 dollars taken out, the same I deposited.

I play the Rivals only, and it's only one specific processor that does it, out of the 3 they seem to use. Deposited yesterday at Sloto Rival (slots capital) and it happened again.

ETA: Deposited 25, 25.78 taken, deposited 25.50, 26.29 taken. Both from a processor with Tommy in the name. Thieves.
 

Mousey

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Location
Up$hitCreek
Now dadgummit.... whatever 'extra' is being charged, WE the depositor should know how much it is before we approve the transaction. Because (however we deposit) we are authorizing deductions from our accounts. I have said this in another thread, one of these processors could go rogue, or even punch in the wrong numbers, and empty our accounts and we have little to stand on in case of a dispute because we 'authorize' these transactions. And it still goes against all logic that RTGs are using the same piddly weird processors for transactions from fully legal countries as they use for USA. You guys shouldn't have to put up with it.
 

BMWSTACK

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Nov 26, 2009
Location
US
The receipt also seems to be false, misrepresenting a $100 deposit as $99.30, and then bumping the total to over $100 with some ill defined fees.

What is going on here is pretty obvious. CWC are processing your card deposits via the same dodgy processors they use to circumvent UIGEA for US players. These processors are largely unlicensed and unregulated, and many are really "quick buck" operations set up by the criminal underworld who may as well do a bit of skimming on top of breaking the US UIGEA laws.

If a proper processor were being used, the receipt would be $100, and your bank would see $100 coming in as the charge, and the bank fees would be clearly shown as a separate item.

This is pretty much what I chalk it up to. They are already doing something they shouldnt so whay not a little extra. Unfortunately there are so few processors available that the casinos do put up with some of these antics. I am sure that a lot of RTGS use the same processor, and thats why we see the same thing happen at other casinos. I guess most casinos that this happens at are not too concerned because they are just happy to have a processor. These processors that do these things are probably the same ones that take off with some of the casinos money and leave the casinos giving excuses for delayed processing. Hopefully the casinos have some way to protect their money that the processors are handling for them.
 

Deanna

Senior Member
Joined
Dec 1, 2011
Location
Ohio
You know I've never paid too much attention but sometimes I cut it close which this time made me realize my last 3 deposits at CWC were over the amount. One is a charge for $35 and the processor took $36.16. Now I'm sorry but that is complete rape! Thank God I check my account every day because as I said sometimes I cut it close and if I've no clue the processor is going to be overcharging it could have caused me a problem. The 2% from my bank comes out on top of that.
 

anniemac

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Well, gotta eat crow now.

I decided I would just check on what has been taken out above what I deposited since Jan. 1 and I was not happy. From Jan. 1 to Jan. 11, I have had almost $20 overcharged to my debit card. My actual deposits are over anywhere from $.50 to over $2 per deposit and then I have seperate charges of from $.88 to $1.75 for each deposit made.

Since I have only deposited to CW group in this time period, I know it is their processors.

I contacted Karolina regarding this Friday but haven't heard anything as of yet.
 

Diane

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Location
WI
Well, gotta eat crow now.

I decided I would just check on what has been taken out above what I deposited since Jan. 1 and I was not happy. From Jan. 1 to Jan. 11, I have had almost $20 overcharged to my debit card. My actual deposits are over anywhere from $.50 to over $2 per deposit and then I have seperate charges of from $.88 to $1.75 for each deposit made.

Since I have only deposited to CW group in this time period, I know it is their processors.

I contacted Karolina regarding this Friday but haven't heard anything as of yet.


I have had similar experiences. Also had a recent problem with Aladdins Gold's processor "Eldorado" - tried to deposit by cc, got error message saying it was denied. However, the charge went against my cc account. When I contacted support at AG, they told me, no nothing was charged. When I pursued it with Cashier dept. they told me there was a problem on their end, that the charge DID go through, but it wasn't showing in my account. Eventually I got the credit at AG. But it was frustrating and now I check every single transaction every time. Amount charged by Eldorado on behalf of CWG is always 1-6 dollars more depending upon the size of the deposit as you have indicated. Then ON TOP of that, the cc or my bank charges the foreign transaction fee.

FWIW,
Diane
 

BMWSTACK

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I spoke to Karolina about a week ago, and she said they were going to ask the processor.
 

Nifty29

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Turn right, then right. then right again
This is pretty much what I chalk it up to. They are already doing something they shouldnt so whay not a little extra. Unfortunately there are so few processors available that the casinos do put up with some of these antics. I am sure that a lot of RTGS use the same processor, and thats why we see the same thing happen at other casinos. I guess most casinos that this happens at are not too concerned because they are just happy to have a processor. These processors that do these things are probably the same ones that take off with some of the casinos money and leave the casinos giving excuses for delayed processing. Hopefully the casinos have some way to protect their money that the processors are handling for them.

Yes, you're probably right. I doubt CWC get any of the extra though.

I guess it is probably too much of a hassle to have different processors for different countries.

I do use my MC occasionally at CWC, and have never been overcharged FWIW.

Hi Diane :)
 

Deanna

Senior Member
Joined
Dec 1, 2011
Location
Ohio
i have had this happen to me at cwc and ag,charges on my netspend that overdrew the account:eek2:

That's what bothers me. As I said, sometimes I cut it down to a few bucks and if you're going to charge me $1.16 on a $35 charge you could wreak some havoc. I sent an email to support which they said they are forwarding on to the cashier but I'm sure this isn't new to them.

The funny thing is this morning I did a deposit for $25 and the original processor denied so I hit the "deposit again" where it goes to a different processor and THAT processor only charged 24.99. Which is how it usually is. The one I'm having all the issues with is ELDORADO BOOTLEGGING. I hate to think what they've been yanking off my over $100-$200 deposits that I didn't notice because at the time I had so much money in my account I didn't pay attention. Grrrrr.
 
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