Fraud charges after updating Verification.

[Punkin]

Not having a good day here. This morning I decided to check my bank balance and was shocked to see a bunch of fraudulent charges on my bank debit card. This happened the day after emailing my updated Verification form to my accredited casino. I have never had this happen before.
I went to the bank and they deactivated my debit card and issued a fraud investigation.

The break down of the charges are :
$272.00 - Lisa Pro Nails, California
$40.00 - Lisa Pro Nails, California
$81.45 - Steve Madden, clothing store in California
$114.66 - Pacsun? Not sure where this is located.
130.60 - Hotel E, in Cyprus

My thoughts are someone in Cyprus got my verification information and has gone on a spending spree of more money than I have, so of course they have also over drafted me.
I spoke with CSR at the casino and this is their reply, Thank you for getting in touch. I am sorry that you had issues with your card but I can assure you that the issue is completely unrelated to you verifying your account. Casino has been omitted.

Still feeling angry, I wrote that I felt that it was related to my verifying and was told again it's not.

Now if you have someone, getting players banking information, renting a room at Hotel E in Cyprus, buying fake fingernails and clothes online, wouldn't you think it may be someone employed by the casino, or is my anger just getting the better of me?

The bank of course will be taking the matter in hand, but because of this I won't be playing real play online now.

 

[dunover]

Not having a good day here. This morning I decided to check my bank balance and was shocked to see a bunch of fraudulent charges on my bank debit card. This happened the day after emailing my updated Verification form to my accredited casino. I have never had this happen before.
I went to the bank and they deactivated my debit card and issued a fraud investigation.

The break down of the charges are :
$272.00 - Lisa Pro Nails, California
$40.00 - Lisa Pro Nails, California
$81.45 - Steve Madden, clothing store in California
$114.66 - Pacsun? Not sure where this is located.
130.60 - Hotel E, in Cyprus

My thoughts are someone in Cyprus got my verification information and has gone on a spending spree of more money than I have, so of course they have also over drafted me.
I spoke with CSR at the casino and this is their reply, Thank you for getting in touch. I am sorry that you had issues with your card but I can assure you that the issue is completely unrelated to you verifying your account. Casino has been omitted.

Still feeling angry, I wrote that I felt that it was related to my verifying and was told again it's not.

Now if you have someone, getting players banking information, renting a room at Hotel E in Cyprus, buying fake fingernails and clothes online, wouldn't you think it may be someone employed by the casino, or is my anger just getting the better of me?

The bank of course will be taking the matter in hand, but because of this I won't be playing real play online now.

The fact that Cyprus appears admittedly would make me suspect the casino staff.

 

[Punkin]

That is my exact thoughts. The casino however is just shutting me down and denying it could happen from their end. Since it is an accredited casino, I have not named them, but feel they should say they would look into it or something more than nope, not related.

 

[Jasminebed]

Was the verification request because of a cashout? US facing casinos often resort to rather dodgy processors, it might not be the casino per se, but their processor instead.

Also, many of them code them as non-gambling, so it's not unusual to be buying nails in california or clothing from Dubai, sometimes for amounts slightly different that your legitimate deposits.

If the casino is accredited, I'd contact their rep to dig a little deeper.

Trust me, legitimate casinos want to know if their processor is ripping off their clients. They might not admit it, and casinos have many thousands of dollars absconded with my unscrupulous processors too.

Also not impossible your email attachment was somehow accessed, or your computer itself.

I'd change passwords everywhere that is financial by any means, and if the casino is denying leak was from them, probably won't affect your status there.

I don't know if you know this, but the most vunerable place the average person uses their credit card is gas stations?

Probably not unwise to sign up for some kind of free trial for fraud alerts as well.

Hope your bank is stellar with you. Sounds like you are taking the right steps IMO.

But get in touch with the rep. If the casino has been decent with you, be decent with them please. Frontline CS can only look into things so far to be honest.

 

[Punkin]

Yes it was my first cash out in 3 years, from the very RTG accredited casino, so I had a greyed obscure notice on my withdrawal request that I needed to update my address, didn't get an email notice from them or anything in my casino mail. I sent a copy of a current bill that confirmed my address. Checked later and my withdrawal was back in my active account and then was informed when I inquired why it was taken out of my withdrawal, that I needed to update my Verification form. Then all was good until the charges on my debit card started flooding in the next day. The clothing store was in California as well as the nail salon, they obviously sell online, but the Hotel E is located in Cyprus.

As I stated, I brought it to the attention of the CSR and was told twice that it is not related to their end, so basically I hit a wall.
The bank has sent a fraud report and will return my money, but I am disappointed the casino wasn't more caring and didn't seem to care.

I am very careful about how and where I use my card. Locally I just use checks, but I have always used my debit with confidence, until now with this casino.

So someone in Cyprus, is having a wonderful weekend at the Hotel E, wearing nice clothes and sporting some killer nails.

Sorry, forgot what else you addressed, but thanks for your input.

 

[Jasminebed]

Just thought you should let the casino rep know. He can dig a little deeper than you as it may be the processor they use, and the casino would like to know about it. Frontline support can only see so much usually, and may not escalate it even.

A processor starting to fraud clients may be a warning sign they are about to defraud the casino. Or might just be one employee, possibly even one last day of work. Given the number of charges, and amounts, probably details sold to more organized criminals, possibly more than once.

 

[Punkin]

I have sent my correspondence to the Rep here, hopefully he will look into it more. I just feel it would have been nice for the CSR to say they would look into it rather than replying in such a short and abrupt manner.
Thank you for your input, much appreciated.

 

[dunover]

Don't forget the time delay - transactions take 24-48 hours to show on statements so if they appeared the very same day you submitted the docs to the casino it would be impossible for them to have orchestrated the fraud. I started a thread on here a while back whereby I had a call from one of my card companies - apparently I had bought some fancy C&W wear in the USA and joined a pyramid scheme! This card I had owned for 4 years, I signed-up for 40 quid cashback upon making my first transaction (I bought a t-shirt in the UK) and then it went in the safe and has never, ever left the house or been used online in those 4 years. So the details an only have come from a hack at the BoS and been sold on the dark web as nobody commercial had the details, especially given that in those 4 years I was issued a new card when the original expired which had a new number and had never been used anywhere for anything!

 

[Punkin]

Don't forget the time delay - transactions take 24-48 hours to show on statements so if they appeared the very same day you submitted the docs to the casino it would be impossible for them to have orchestrated the fraud. I started a thread on here a while back whereby I had a call from one of my card companies - apparently I had bought some fancy C&W wear in the USA and joined a pyramid scheme! This card I had owned for 4 years, I signed-up for 40 quid cashback upon making my first transaction (I bought a t-shirt in the UK) and then it went in the safe and has never, ever left the house or been used online in those 4 years. So the details an only have come from a hack at the BoS and been sold on the dark web as nobody commercial had the details, especially given that in those 4 years I was issued a new card when the original expired which had a new number and had never been used anywhere for anything!

Thank you, but it was a day or two immediately after I had submitted my Verification form. This is the only place my debit card number has gone out to as I don't use it except at my local tobacco store.

 

[Punkin]

This is my withdrawal request. Initially submitted on the 6th and finalized and approved on the 7th after completing the Verification process.

09/07/2017 01:29 AM DF-CourierChk Withdrawal Approved! -$485.00
09/06/2017 11:11 AM DF-CourierChk Withdrawal Requested -$485.00
09/06/2017 03:08 AM DF-CourierChk Withdrawal Declined $485.00

This is the fraudulent charges that were pending in my bank account on the 8th, immediately after submitting my Verification. The bank manager said these are paid same day of submission as they had the authorization.

Pending Transactions
09/08/2017 ATM 018061 LISA PR LISA PRO NAILS ##3298 ATM <='0"' Debit visible: Math.abs(Debit),>$272.00 Processing
09/08/2017 ATM 018657 LISA PR LISA PRO NAILS ##3298 ATM <='0"' Debit visible: Math.abs(Debit),>$40.00 Processing
09/08/2017 ATM 014677 STEVE M STEVE MADDEN 15 ##3298 ATM <='0"' Debit visible: Math.abs(Debit),>$81.45 Processing
09/08/2017 ATM 390860 PACSUN PACSUN #0016 ##3298 ATM <='0"' Debit visible: Math.abs(Debit),>$114.66 Processing
09/08/2017 ATM 552688 HOTEL E HOTEL E REAL ##3298 ATM <='0"' Debit visible: Math.abs(Debit),>$130.60 Processing

 

[slotmaster]

Sorry to say but nothing will be done on the casino side of it. I know from experience myself, Hope the bank works with you and everything works out on that side.

 

[Punkin]

Thanks and I'm sure you are correct. The bank will take care of it, but it is so frustrating to have this happen. So for a few days my bank account will be messed up until this is straightened out. They did say they would pay my bills that are pending.

 

[redsfan]

Just a suggestion but have you thought of emailing Hotel E

Just if you know the day the transaction was processed, they should be able to work out where the payment was allocated too. This will help narrow down suspects.

 

[Punkin]

Just a suggestion but have you thought of emailing Hotel E

Just if you know the day the transaction was processed, they should be able to work out where the payment was allocated too. This will help narrow down suspects.

I thought about doing that, but don't want to interfere in the fraud departments investigation. Then I'm not sure how they investigate. The bank manager told me these people are never caught, so maybe they don't thoroughly investigate? I have the transactions posted, copied from my bank statement, so the date is clearly stated when it took place and to where.

 

[secret2]

I thought about doing that, but don't want to interfere in the fraud departments investigation. Then I'm not sure how they investigate. The bank manager told me these people are never caught, so maybe they don't thoroughly investigate? I have the transactions posted, copied from my bank statement, so the date is clearly stated when it took place and to where.

Sorry to hear this.

I had a similar experience on my Bank debit card. I noticed a debit transaction for the amount of $260 that was made in North Carolina at a Rib and Steak restaurant. I live in New York. I called the restaurant and they remembered that transaction and they also said that the person came in quite a lot.

I called the Carolina police station and told them about it. Never heard back. The money was returned, no problems.

 

[Punkin]

Sorry to hear this.

I had a similar experience on my Bank debit card. I noticed a debit transaction for the amount of $260 that was made in North Carolina at a Rib and Steak restaurant. I live in New York. I called the restaurant and they remembered that transaction and they also said that the person came in quite a lot.

I called the Carolina police station and told them about it. Never heard back. The money was returned, no problems.

That is awful! It is disappointing that the police department or fraud investigation departments don't update the victim on such matters. The person that has done this is obviously in Cyprus and I probably will email the Hotel E, but may never know if anything comes of it. My bank will cover the loss, but things like this is what is helping to drive up costs and charges on all of us that don't steal. Like I mentioned earlier, I have left a message for the Rep here, hope I hear from him and hope to hear more than nope, not related.

 

[asadzareef89]

When i first started gambling online, i was unfortunate to gamble on few accredited RTG casinos, i made in total 12-15 deposits at 2-3 casinos,

all of them were charged as payments for different things like perfumes, jewellery etc which is why i stopped playing RTG cuz it seemed to me they were trying to mask the real charges which were gambling

So my friend here has obviously made few deposits at an RTG casino as no accredited casino staff in my opinion would steal few hundred dollars (if they actually did want to steal) as i'm sure they could see who is a big depositor and go after them instead of going for few hundred dollars from someone

This is just my opinion even though i hate RTG accredited or not, they all seem dodgy to me

I would love for the rep to chime in

 

[Punkin]

When i first started gambling online, i was unfortunate to gamble on few accredited RTG casinos, i made in total 12-15 deposits at 2-3 casinos,

all of them were charged as payments for different things like perfumes, jewellery etc which is why i stopped playing RTG cuz it seemed to me they were trying to mask the real charges which were gambling

So my friend here has obviously made few deposits at an RTG casino as no accredited casino staff in my opinion would steal few hundred dollars (if they actually did want to steal) as i'm sure they could see who is a big depositor and go after them instead of going for few hundred dollars from someone

This is just my opinion even though i hate RTG accredited or not, they all seem dodgy to me

I would love for the rep to chime in

It would be easy for someone to fraud several small accounts rather than one big one, although this was not small for me as it has hit my overdraft by $550 after taking what I had left in my account. I only play one RTG and have for a decade and never had this happen before. I know the casino will use different identification when the charge is submitted and none of the ones that occurred on the 8th after my verification were any of my transactions. Mine were my local Fry's grocery store and electric company.
I have pm'd the Rep here and am waiting for a response.

 

[benmooe]

I previously worked in bank fraud, admittedly for a canadian bank so i'm not too sure how different it would be down there in AZ.

Based on the transactions, it looks like a clone rather than a remote job, signifying more that it was done with a card skimming device in an ATM or POS system than using the card information. People who use cards stolen from scans usually use them to buy top ups or green dots to "cash" them. You would need more data than is shown on the front and back of the card to make retail transactions based on how the magstrip is encoded. Pacsun/Steve Madden both look to be retail transactions rather than online ones based on how they are presented on your statement.

The skimmers also sell booking services on the darknet for hotels and airlines so often you'll find them on cards that haven't stopped processing after $600 which might explain the cypriot hotel. Definitely shoot them an email to let them know, you'll probably find it's one of these kinds of bookings and they're gonna have some guy come along who has bought his booking on a dodgy website. Banks fraud team won't be able to coordinate anything with the authorities in cyprus for such a small amount.

Anyway, i hope this has been somewhat useful, if you want any more insights let me know

 

[Punkin]

Not sure I understand all that, but do appreciate the information, if you're saying my number may have been picked up at an ATM, I never use them. I have looked at the Hotel E site and can't find a simple email to contact them.
I only sent via email, the hand written information of my debit card number, exp, name address and so on that is required on the verification form. The transactions hit my bank the next day. My bank person that has handled the fraud report did say, these people are never caught, which is a shame, as this may be something that is more common than we know when updating our casino verification form.
I thank you for your information and apologize if I didn't understand it completely.

I previously worked in bank fraud, admittedly for a canadian bank so i'm not too sure how different it would be down there in AZ.

Based on the transactions, it looks like a clone rather than a remote job, signifying more that it was done with a card skimming device in an ATM or POS system than using the card information. People who use cards stolen from scans usually use them to buy top ups or green dots to "cash" them. You would need more data than is shown on the front and back of the card to make retail transactions based on how the magstrip is encoded. Pacsun/Steve Madden both look to be retail transactions rather than online ones based on how they are presented on your statement.

The skimmers also sell booking services on the darknet for hotels and airlines so often you'll find them on cards that haven't stopped processing after $600 which might explain the cypriot hotel. Definitely shoot them an email to let them know, you'll probably find it's one of these kinds of bookings and they're gonna have some guy come along who has bought his booking on a dodgy website. Banks fraud team won't be able to coordinate anything with the authorities in cyprus for such a small amount.

Anyway, i hope this has been somewhat useful, if you want any more insights let me know

 

[benmooe]

Not sure I understand all that, but do appreciate the information, if you're saying my number may have been picked up at an ATM, I never use them. I have looked at the Hotel E site and can't find a simple email to contact them.
I only sent via email, the hand written information of my debit card number, exp, name address and so on that is required on the verification form. The transactions hit my bank the next day. My bank person that has handled the fraud report did say, these people are never caught, which is a shame, as this may be something that is more common than we know when updating our casino verification form.
I thank you for your information and apologize if I didn't understand it completely.

No problems,

So, on your credit card you have the magnetic strip on the back, It holds more than just your card number and information. If someone just had your card number, expiry and CVV code, they wouldn't be able to use it in a store which is what leads me to believe it was "skimmed" where they use a data capture device to clone the information from the magnetic strip. The use of the Chip and Pin devices in Europe has led to these kinds of fraudulent uses drop which is why they only tend to occur in the US.

So if someone at the casino was using your card information to make fraudulent transactions, they'd only be able to make online purchases rather than in-store ones like at PACSUN.

 

[Punkin]

Thank you again. I understand what you are saying, but all of these merchants have online availability for shopping. On my bank statement none of my husbands debit transactions show as an ATM, his card was not compromised. It was only mine after immediately after submitting my full information to the casino and as noted the one transaction was for a hotel room at Hotel E in Cyprus. My card did have the chip and pin on it also.

No problems,

So, on your credit card you have the magnetic strip on the back, It holds more than just your card number and information. If someone just had your card number, expiry and CVV code, they wouldn't be able to use it in a store which is what leads me to believe it was "skimmed" where they use a data capture device to clone the information from the magnetic strip. The use of the Chip and Pin devices in Europe has led to these kinds of fraudulent uses drop which is why they only tend to occur in the US.

So if someone at the casino was using your card information to make fraudulent transactions, they'd only be able to make online purchases rather than in-store ones like at PACSUN.

 

[Punkin]

I previously worked in bank fraud, admittedly for a canadian bank so i'm not too sure how different it would be down there in AZ.

Based on the transactions, it looks like a clone rather than a remote job, signifying more that it was done with a card skimming device in an ATM or POS system than using the card information. People who use cards stolen from scans usually use them to buy top ups or green dots to "cash" them. You would need more data than is shown on the front and back of the card to make retail transactions based on how the magstrip is encoded. Pacsun/Steve Madden both look to be retail transactions rather than online ones based on how they are presented on your statement.

The skimmers also sell booking services on the darknet for hotels and airlines so often you'll find them on cards that haven't stopped processing after $600 which might explain the cypriot hotel. Definitely shoot them an email to let them know, you'll probably find it's one of these kinds of bookings and they're gonna have some guy come along who has bought his booking on a dodgy website. Banks fraud team won't be able to coordinate anything with the authorities in cyprus for such a small amount.

Anyway, i hope this has been somewhat useful, if you want any more insights let me know

Okay, I have somewhat of an update. Evidently someone has a card that has my former debit card number on it and I do have her name now. When my bank manager first looked at the transactions, the Hotel E was showing to be in Cyprus, however now on my bank statement after all the transactions have been paid, the Hotel E shows as being in Santa Clara Ca. I called the manager there and he told me who it was and they had kicked her out because she couldn't pay the rent. She evidently tried my card number again and I had already deactivated it.
So now my bank account is in the minus, until this gets cleared up.

 

[petro]

I was a victim of fraud as well last year. On my brief tour of poker I bought some obscure poker software and the person I bought it from made charges without my permission to my card.
My bank thankfully refunded me the amount. It shows also how dodgy the poker world is...

 

[Punkin]

I was a victim of fraud as well last year. On my brief tour of poker I bought some obscure poker software and the person I bought it from made charges without my permission to my card.
My bank thankfully refunded me the amount. It shows also how dodgy the poker world is...

Yes it does and I am sorry to hear you went through a similar circumstance. I never use my debit card anywhere but locally here in my town in Arizona and only trusted sites on the net. So somehow my card number was stolen or sold as I have found out this woman had an actual debit card with my number on it.

So I am wondering, what would be the time frame for a number to be sold and placed on a card for use? As I had stated previously, this happened the next day of my verification and the initial Hotel E was showing to be coming from Cyprus.

 

[bebo67]

No problems,

So, on your credit card you have the magnetic strip on the back, It holds more than just your card number and information. If someone just had your card number, expiry and CVV code, they wouldn't be able to use it in a store which is what leads me to believe it was "skimmed" where they use a data capture device to clone the information from the magnetic strip. The use of the Chip and Pin devices in Europe has led to these kinds of fraudulent uses drop which is why they only tend to occur in the US.

So if someone at the casino was using your card information to make fraudulent transactions, they'd only be able to make online purchases rather than in-store ones like at PACSUN.

That is correct. My son just finished Border Patrol 3 year program. There is a device that is the size of your hand, and it can pick up CC information through someones wallet and purse. All they need to do is to be standing beside a person and its captured. Fairly new ( last year). It's a very sad world we live in.

 

[Punkin]

Just an update on my bank account. My money has been returned to my account, happy about that. I have informed my bank manager of the name of the person that was using the card at the Hotel E.
Maybe this whole thing was just a coincidence that it happened immediately after my verification, I don't know, but the whole thing has made me afraid to go through this again. My bank manager suggested I create a separate account for making online purchases, so I will probably do that. Makes me sad, that in all the years I've lived and dealt with a debit card, I have never had this experience before and will not soon forget it.
If this had nothing to do with verifying my casino account, then I apologize for thinking it did.

 

[secret2]

Just an update on my bank account. My money has been returned to my account, happy about that. I have informed my bank manager of the name of the person that was using the card at the Hotel E.
Maybe this whole thing was just a coincidence that it happened immediately after my verification, I don't know, but the whole thing has made me afraid to go through this again. My bank manager suggested I create a separate account for making online purchases, so I will probably do that. Makes me sad, that in all the years I've lived and dealt with a debit card, I have never had this experience before and will not soon forget it.
If this had nothing to do with verifying my casino account, then I apologize for thinking it did.

I am glad you got your money back, Punkin.

I think it's acceptable that you think it might be the casino, fwiw. Any online transactions are at some risk.

 

[Punkin]

I am glad you got your money back, Punkin.

I think it's acceptable that you think it might be the casino, fwiw. Any online transactions are at some risk.

Thank you, I am happy and relieved and I did open a separate bank account today, just for such transactions. It is set up that if there is no money in the account, any transactions will be immediately rejected, no overdraft fees, just rejection. The debit card for this account is independent from my main account. This way if I make a deposit, it will be for just the amount I transfer, no extra for someone to run with. I will also link my Paypal and Ebay to this account.

 

[secret2]

Thank you, I am happy and relieved and I did open a separate bank account today, just for such transactions. It is set up that if there is no money in the account, any transactions will be immediately rejected, no overdraft fees, just rejection. The debit card for this account is independent from my main account. This way if I make a deposit, it will be for just the amount I transfer, no extra for someone to run with. I will also link my Paypal and Ebay to this account.

Yes! I did the same. I opened accounts with Debit card only. That way, there are no overdraft fees.

I keep 'those' accounts separate from my 'main' account, too. And they are NOT linked, either.

The 'Big banks' seem to be the best to stay with, ironically.