Debit Card Company Snooping Around

[w8n4win]

Hi All,

I need some advice, I have a debit card that one of my paychecks goes to, it has been working for depositing, well today they send me an email sayimg they have noticed some unusual activity and want to talk to me, I tried to call but the lady wasn't in, so I left a voice mail and then responded to email, now she wants to know what kind of business one of the processors is...........what should I say???

Thanks!

 

[anniemac]

If it is for incoming deposits, tell them it's for work you do on the internet. If it is deposits to a casino, tell them you bought something.

Do you mind telling which card it is? We might could help you better if we knew.

 

[w8n4win]

It's an ADP card. They are questioning deposits I made and the processor, I guess tell them I bought something on ebay? Dang.........

 

[vinylweatherman]

Hi All,

I need some advice, I have a debit card that one of my paychecks goes to, it has been working for depositing, well today they send me an email sayimg they have noticed some unusual activity and want to talk to me, I tried to call but the lady wasn't in, so I left a voice mail and then responded to email, now she wants to know what kind of business one of the processors is...........what should I say???

Thanks!

Tell her it is none of her business. The card company can only decide to decline this processor in the future, and this is what would probably happen anyway should you actually reveal it is a gambling business. If you lie though, you might be breaking the terms of the account, and this would not be good if this is where your paycheck ends up.

I have received such calls, and normally it is because they have considered that it is possible that my card has been used without my authorising the transaction.

You could also "play dumb", since often the processor name on the statement will bear little or no relation to the retailer or website you did business with. You could say that you do not recognise that name as shown, and could your card company find out the "shopfront" name so that you could work out what "shop" it was, and thereupon be able to tell them what kind of things they sell.

It is highly likely, unless this is a new processor, that they know damn well what "business" this processor services, but has no evidence, and this is simply an attempt at entrapment, getting a customer to admit that processor x is an online gambling processor, so that they can then add it to their "do not allow" list.

I believe other players who have been "found out" by their card companies have been given a stern lecture about this knid of transaction not being allowed, but again the "play dumb" approach can be used - the vendor's website says "all xxxx cards accepted", so when your xxxx card is accepted, how the hell are you to know anything is amiss.

EDIT:

One safety measure would be to ensure that all your "gaming" is ring fenced from your "normal" banking. Rather than using your main debit card, have a payment go into a different account, with a different bank, and use only this account for gambling, and some other spending (to not be too bleedin' obvious). If you get found out, the potential damage is limited to this secondary account. If they get heavy handed and close it down, this will not affect your main account - all it means is you can't play for a while, but you can still eat, keep warm, pay bills, etc.

 

[Stovetopp]

Hi All,

I need some advice, I have a debit card that one of my paychecks goes to, it has been working for depositing, well today they send me an email sayimg they have noticed some unusual activity and want to talk to me, I tried to call but the lady wasn't in, so I left a voice mail and then responded to email, now she wants to know what kind of business one of the processors is...........what should I say???

Thanks!

It's none of their business...They can either decline the transaction as most bank credit cards do...You are giving them business. They make money off all your transactions..Tell em you want out if anything , and I bet you wont hear from them again There are othert debit cards company around and one I USE SOLELY for online gambling I don't want to endorse any company here but if interested just ask!

This thread shopuld be in "only in America" Christ sakes !! let us do what we want with our monies.

 

[w8n4win]

It's none of their business...They can either decline the transaction as most bank credit cards do...You are giving them business. They make money off all your transactions..Tell em you want out if anything , and I bet you wont hear from them again There are othert debit cards company around and one I USE SOLELY for online gambling I don't want to endorse any company here but if interested just ask!

This thread shopuld be in "only in America" Christ sakes !! let us do what we want with our monies.

I can't tell them I don't want to use them, this is the only company the company I work for deals with........just another step towards communism, a company telling you how you have to get your paycheck, no choice!

 

[slotheadlizard]

charges

This happened to my husband as well. He uses his bank debit card for poker. If you know the charges are from gambling, you may want to simply say I recognize them as things you or your family purchased online. The question may be of honest concern. Don't get too specific if possible. They said ok, just wanted to confirm, and that was all he heard on the subject.

 

[winbig]

I agree with the majority of here. Tell her it's none of hers, nor the bank's business. Call their bluff and tell them that if they want to get nosy with what and where you're spending your money, then you'll take your business elsewhere. If they don't take the answer of "I bought stuff online, that's all you need to know," then I'd tell them to @#)*@&#$ off and close the account the same day.

And on a legal note (I'm not a lawyer, so take this with a grain of salt), IMO they have no RIGHT to even ASK this information WITHOUT a warrant or court order. I'd tell them that if they want to keep asking questions (if I were to stay with that bank) then I'll be having a nice chat with the ACLU, etc. all.

 

[oldtrvlagt]

I use a small local bank here who has never questioned anything except twice when I was playing at Lake Palace (Grand Prive) a couple of years ago. The charges were coming through from a bike shop in Dubai. I did get a call but since I was a travel agent at the time everything was fine and they just asked if the charge was mine. I did have some strange purchases for clients from time to time so I think it fit in

 

[w8n4win]

I told her everything was okay with my card, here is the email she sent back to me.

I received your message. Thank you for following up. If you wouldn't mind, could you tell me what type of merchant blahblah.biz is? I wasn't able to locate anything on the company.

 

[winbig]

I told her everything was okay with my card, here is the email she sent back to me.

I received your message. Thank you for following up. If you wouldn't mind, could you tell me what type of merchant blahblah.biz is? I wasn't able to locate anything on the company.

What's it to her? Why is she so interested in what that "company" is? If she had half a brain she would be able to tell that blahblah.biz is the PROCESSOR, and has nothing to do with the company.

Tell her to mind her own (@)#$@# business

 

[w8n4win]

What's it to her? Why is she so interested in what that "company" is? If she had half a brain she would be able to tell that osbuy.biz is the PROCESSOR, and has nothing to do with the company.

Tell her to mind her own (@)#$@# business

So, I'm thinking I'll just ignore her and if she presses the issue, I will tell her it's none of her business.

Thanks everyone!

 

[winbig]

So, I'm thinking I'll just ignore her and if she presses the issue, I will tell her it's none of her business.

Thanks everyone!

nah...ignoring her might make her try and dig deeper.....I'd just say that you have no idea, and you only know that it's the CC processor for the company you bought stuff from....

and btw, what's her rank at the bank there? If it's not the manager, I'd almost be keen to writing a letter to the branch/bank manager letting them know that although I appreciate the heads up, I in no way appreciate the fact that employees of that bank are snooping in my business by trying to figure out what I'm doing online.

 

[silcnlayc]

.....I'd just say that you have no idea, and you only know that it's the CC processor for the company you bought stuff from....

I had this happen also where a bank employee looking up my account wanted to know who was in Dubai processing funds and I said I do a lot of shopping online and it must be one of them...Which I do shop online a lot and they also saw that and didn't press it anymore...just told me to be careful shopping online...


.

 

[Stovetopp]

So, I'm thinking I'll just ignore her and if she presses the issue, I will tell her it's none of her business.

Thanks everyone!

TELL HER ITS TO BUY SEXTOYS

 

[LaurieJim]

nah...ignoring her might make her try and dig deeper.....I'd just say that you have no idea, and you only know that it's the CC processor for the company you bought stuff from....

and btw, what's her rank at the bank there? If it's not the manager, I'd almost be keen to writing a letter to the branch/bank manager letting them know that although I appreciate the heads up, I in no way appreciate the fact that employees of that bank are snooping in my business by trying to figure out what I'm doing online.

thats what i would do if the shoe was on the other foot.....good advice brian..........laurie

 

[winbig]

TELL HER ITS TO BUY SEXTOYS

Not only would that get her to shut up, it might even get you a date!

 

[soflat]

If she's going to snoop into your business, you're entitled to have some fun at her expense.

The sextoys idea was excellent.

Alternatively, since it is in Dubai you could claim you were ordering camel meat.

I might just tell her: "Its an online purchase (the .biz is a dead giveaway)." Then go into an explanation of the different domain extensions.

 

[rockycatt]

ive been there

and i recocnize the blahblah biz
i had a fella with a middle east accent start grilling me so i told him im going to give him the benafit of the doubt because i was all for security .

shortly after his q and a started he got messed up in dialog so i asked him to speak to his superviser she came directly on probobly was training him

so whats wrong i said [as in the back ground i heard him say it looks like internet gambling ]:notworthy so i said wow im glad i got some one fluent in english as i reay couldet make 100% of what he says

long story short she say you made purches in the middle east i said
were in rhe middle east dubai she says so is there any thing wrong with doing business in dubai?? there the ones that G W Bush fought tooth and nail to protect our sea ports there wonderfuly nice people:notworthy

im retired and stay up late at night and buy goods and serveces on the internet

when will you put my card back into service :notworthy

48 hrs she says for what its worth i know she new it was gameing
and i got top credit score ,also had two pending payments waiting on card

the end :notworthy respectfuly rockycatt

 

[Westland Bowl]

Well, now it is not a secret. Tomorrow the woman at the bank (and elsewhere) now can just Google the "osXXX.biz" and come up with this thread. NOW they all will know it is related to internet gambling because it is posted as so here. No so smart.

 

[mojo]

Well, now it is not a secret. Tomorrow the woman at the bank (and elsewhere) now can just Google "xxxxx.xxx" and come up with this thread. NOW they all will know it is related to internet gambling because it is posted as so here. No so smart.

Quick - Edit!

 

[Westland Bowl]

Quick - Edit!

I did now you'll need to! lol Seriously, I put it in there originally since the thread already contained it. I figured if Casinomeister wanted to edit the thread then mine would be edited too but I did it on your suggestion.

 

[mojo]

I did now you'll need to! lol Seriously, I put it in there originally since the thread already contained it. I figured if Casinomeister wanted to edit the thread then mine would be edited too but I did it on your suggestion.

I edited too. Duh! lol

Good catch WB. This link will show up quickly on google so should probably be removed.

 

[Westland Bowl]

A Google search on the .biz domain comes up with garment stuff so you can say you bought clothes on the Internet. Should end the case there.

 

[w8n4win]

TELL HER ITS TO BUY SEXTOYS

I serioulsly thought about that! Figured that would shock her into leaving me alone.

 

[w8n4win]

How do I edit my post? I don't see an edit button anywhere!

 

[jas2587]

after several people have posted after you
you can no longer edit it a mod will have to do it for ya


Cindy

 

[The Dude]

Well, now it is not a secret. Tomorrow the woman at the bank (and elsewhere) now can just Google the "osXXX.biz" and come up with this thread. NOW they all will know it is related to internet gambling because it is posted as so here. No so smart.

America the Beautiful section is a "members only" section. Google can't "see" it thus no spiders and thus no listing of posts/threads in Google.

after several people have posted after you
you can no longer edit it a mod will have to do it for ya


Cindy

You have 180 minutes to edit your posts/thread titles once they are posted. If you wait longer than that, you'll have to ask a moderator to do it for you.

 

[deucebag]

If she's going to snoop into your business, you're entitled to have some fun at her expense.

The sextoys idea was excellent.

Actually, this may not be a very good idea. All credit/debit card transactions carry a merchant category code (MCC) that describes the type of goods or services the business provides. There is a code for gambling (7995), and most US cards are blocked against merchants using this code.

MCC codes:

You do not have permission to view link Log in or register now.

I believe what these gambling processors do is use a different MCC than 7995. If you tell your card issuer that the purchase is for sex toys, this may not match the MCC the processor uses.

So I think it's best to simply tell her it's none of their business.

 

[Mousey]

This is one of the problems of using your primary household bank account/card for online gambling. If they lock you out, freeze transactions, you can be in a world of hurt.

I humbly suggest finding some other way to deposit online... NetSpend, or a no fee/free low limit checking account w/debit card separate from your household monies.

And I'm not saying there are no problems with these alternate methods... I'm just saying at least your living expenses monies won't be held hostage while your bank tries to muddle it's way thru abiding by the UIGEA 'regulations'.

 

[EasyRhino]

Wait, your paycheck goes directly to a captive debit card run by ADP? What if you want to, I dunno, use an ATM without fees, transfer money to a brokerage, or make a wire transfer? How the heck do you do that? That's just janky. Can you get direct deposit to a real bank account? What about a paper check?

Also not the point.

If this is where your paycheck goes, I simply wouldn't do online gambling with it. If your debit card got closed... what then?

But short term, here would be my recommended script:

"Yes, those charges are valid."
"I don't remember what they were for".

 

[vegetagirl2008]

In a way she is right according to her compliance and risk that she must ask these questions. She has to follow procedures as well. I work for a bank and its in the best interest that we are straight forward with our clients, we see something suspicious we have to raise the red flag. I don't think she was being nosy but with money laundering and such especially when its connected with online casinos. She is just doing her job. She has to protect the bank in every way possible. So I would just tell her the truth, what more can come of it?

 

[deucebag]

In a way she is right according to her compliance and risk that she must ask these questions. She has to follow procedures as well. I work for a bank and its in the best interest that we are straight forward with our clients, we see something suspicious we have to raise the red flag. I don't think she was being nosy but with money laundering and such especially when its connected with online casinos. She is just doing her job. She has to protect the bank in every way possible. So I would just tell her the truth, what more can come of it?

The processor can get reported for misrepresenting their business, and be shut down.

 

[silcnlayc]

"Yes, those charges are valid."
"I don't remember what they were for".

Exactly....very nicely put, for this was what I said also and it ended there..


.

 

[ballysdb]

If they ask what the company is...would it be unwise to say they are similar to paypal and the like? I mean if you are using Quicktender etc.

 

[FRENCHIE]

unbelieveable

I have been gone for awhile. I am very disappointed that alot of these things haven't been figured out. It seems more confusing then ever. After I recieved my monies back in march of 2007 with the help of brian I stopped playing. I was thinking about starting to play again. But it seems to me that things have gotten worse then better now that the banks are calling individuals now.Big brother is watching. (how scarey)!!!! I am planning to continue to play poker but I play live cards in poker rooms in casinos. I am truckdriver so it gives me the chance to play all over the country. I hope things will eventually sort themselves out and things can get back to normal,where we as us citizens won't have to open hidden accounts to play at casinos online. It kind of reminds me of what I read about proabition back in the 20's (im only 42 so I had to read about that lol). Hope everyone"s winnings are huge. have a good day.

 

[lots0]

Hi Folks,

The UGIEA REQUIRES Banks to identify where all payments are coming from.

I have had this happen as well with my regular bank.

It is no big deal.

ALL the Bank wants is the name of the company. Once they have the name you should not have any more problems.

Don't lie to them, just tell them the name and address of the company, if they ask what it's for, be truthful and tell them that it is for "Entertainment".

Remember, if your in the USA, online gambling is not illegal (unless you live in one of the Prohibition states).

 

[cmich77]

big brother is always watching here in the u.s. land of the free?? right? but its ok to buy a lotto ticket or goto one of the many casinos around, we just cant be doing it online!. whats funny is the same political party always complaining about a nanny state was the one that rammed this garbage through congress. what a crock. maybe this wasent the right thread for this rant but im sick of the "big brother" nanny state garbage we live with...rant over i feel better now

 

[lots0]

I love to quote myself;

If your in the USA, online gambling is not illegal (unless you live in one of the Prohibition states).

I think I just found my new sig tag....

 

[paul02085]

Its funny these banks trying to act all "legal" after the screwing they have put on this country with their "investments". Banks were supposed to be safe companies but the way they have pissed away our money is whats criminal.

 

[footdr]

PLAY DUMB BEST IDEA

I always respond that I recognize the amount as being correct but that I do not recognize the name they are asking about.(as I usually don't) I then ask them "why would the amount be correct but the name of the business different", (thereby turning the table).

They normally respond that businesses often use other companies to process their charges.

Then I respond "well then I guess that is what happened, what did they bill me for? Just to make sure". Unless it is for something extremely rediculous. I say yes that is correct. And usually ends there

Everything I have responded to them is true in the above senario