Had to close bank account

babs7262

Banned User
Joined
Oct 9, 2006
Location
PA
I had to close my bank because they caught on and took out all Isagro holdings deposits without my consent. This has caused all kinds of upheaval with the casinos.

I had to open a new bank account and start using QT. I wasnt going to make this public because I didnt want to scare people. Thank God some of the casino I play at dont use Isagro so not ALL casinos will have chargebacks

I only use QT or if DeCard is available to my favorite casino, I will use them as well. I may even be banned from here because it looks like I did this on purpose when In fact I only requested a few unauthorized charges back in Oct 2008. I have since been seeing alot more that I did not ask for. I cannot say this enough. IF you are a USA resident, please dont take any chances with your Visadebit because it will bite you in the butt
 

jelsmith

Zombicidal Maniac
PABnononaccred
Joined
Sep 16, 2008
Location
nashville tn
OMG....that sucks....i use my card frequently but have not had a problem as of yet...UGH the USA is getting mighty ridiculous:what:

what bank was it if i might ask?
 
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vegetagirl2008

Mafia Wars Level 472
Joined
May 10, 2008
Location
Brooklyn, New York, United States
I had to close my bank because they caught on and took out all Isagro holdings deposits without my consent. This has caused all kinds of upheaval with the casinos.

I had to open a new bank account and start using QT. I wasnt going to make this public because I didnt want to scare people. Thank God some of the casino I play at dont use Isagro so not ALL casinos will have chargebacks

I only use QT or if DeCard is available to my favorite casino, I will use them as well. I may even be banned from here because it looks like I did this on purpose when In fact I only requested a few unauthorized charges back in Oct 2008. I have since been seeing alot more that I did not ask for. I cannot say this enough. IF you are a USA resident, please dont take any chances with your Visadebit because it will bite you in the butt

I had no problems either with my debit card. But in my on one of my topics I am planning on changing that. But why the chargebacks? I'm not putting you on the spot or anything I am just curious as to why they decide to take money out of your account all of a sudden? Did they close your casino account as well?
 

jas2587

Ueber Meister
Joined
Apr 25, 2006
Location
FL
I had no problems either with my debit card. But in my on one of my topics I am planning on changing that. But why the chargebacks? I'm not putting you on the spot or anything I am just curious as to why they decide to take money out of your account all of a sudden? Did they close your casino account as well?

from what I am reading She didn't do the chargebacks her Bank did because they saw it was online gambling

Good Luck Babs hope all gets st8ed out

Cindy
 

lots0

Banned User - troll posts - flaming
Joined
Jun 3, 2006
Location
Hell on Earth
I just made a few phone calls.

If the Bank seized money already in your account (checks and transfers have all cleared) without a court order...
Then I STRONGLY suggest you contact a lawyer as soon as possible.
 

jelsmith

Zombicidal Maniac
PABnononaccred
Joined
Sep 16, 2008
Location
nashville tn
I think she is saying they put the $ back in her account and returned the charges to the processor...
 

lots0

Banned User - troll posts - flaming
Joined
Jun 3, 2006
Location
Hell on Earth
Neither the UGIEA or the Wire Act allow for the seizure of funds from individual accounts. All they allow for is the stopping of transactions.
 

vegetagirl2008

Mafia Wars Level 472
Joined
May 10, 2008
Location
Brooklyn, New York, United States
from what I am reading She didn't do the chargebacks her Bank did because they saw it was online gambling

Good Luck Babs hope all gets st8ed out

Cindy

Okay I missed the whole thing entirely thanks for bringing this to my attention. Yes that is right they cannot seize funds without a court order the only time they do this unless you owe the government money or a student loan.
 
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jelsmith

Zombicidal Maniac
PABnononaccred
Joined
Sep 16, 2008
Location
nashville tn
Neither the UGIEA or the Wire Act allow for the seizure of funds from individual accounts. All they allow for is the stopping of transactions.

That is good to know....If they were already processed and then they returned them after....she should def get an attorney.
 

Luigi810

Dormant account
Joined
Aug 16, 2008
Location
Philadelphia
Why did your bank do this? It's weird because I thought the banks had to be notified of unauthorized charges..when I first started gambling, way back,(secretly) my husband noticed all these charges on our statement and went to the bank to complain, (I wasn't home to grab the statement before him oops,:oops: ) he didn't tell me because he didn't want to get me nervous, when they told him that it was a casino he never even though of me, when he came home from the bank and told me about it and that the bank was gonna fix it, I had no choice but to confess..he called our bank and told them to stop what they were doing because it was me who made the charges..a bank doesn't just put money back for no reason..Is this something new?
Can I ask you babs which bank it was, since we both live in the Pa. area..
 

silcnlayc

Just one more spin pleez!
PABaccred
PABnonaccred
Joined
Sep 20, 2005
Location
Left Hungary
In fact I only requested a few unauthorized charges back in Oct 2008
Are you saying you PURPOSELY charged back only a few ? If so, that is not a good pattern to set with any casino... :eek:

Hopefully I misunderstood...


.
 

babs7262

Banned User
Joined
Oct 9, 2006
Location
PA
I posted a thread / post back in October about a few unauthorized deposits/wrong amounts with a casino so I did a chargeback on just the UNAUTHORIZED ones. The thing I didnt know , which is why everything is messed up and I feel bad about is this: Once you do a chargeback, even if just on one unauthorized charge, my bank went and reversed ALL deposits (dribbles and drabbles) at a time for the same processor.

Like I said, I did just a few of them that I noticed in October (months ago). The casino didnt contact me at all or dispute it so I thought they saw the mistake and that was it. Then...all of these other charges were reversed without me knowing it. I didnt even know until I contacted a casino rep on here about another issue. She informed me of the chargebacks to their casino and I felt horrible and asked if there was anything I could do. I cant go to my bank because they will ask me and start to grill me. The casino rep said not to worry about it because theyve seen much worse than my little deposits. I dropped it but then my bank took 4 more out so I decided to close out my account, take my lumps and use QT or DeCard (when I am able) so this doesnt happen ever again.

The odd thing is about 1 1/2 years ago I had a problem with double dipping which was taken care of and they didnt go ahead and start removing all of them so why would I think they would do that this time?

You wont be familiar with my bank because it s a local 3 branch bank thats only in my part of PA. I now have a normal big bank and learned my lesson in taking chances with my visa debit. I kept telling people its been fine but something must of happened since the new year. Everything was fine from Oct until about 3 weeks ago then all hell broke loose. Since they took them in dribs and drabs I cant just pay it back, I cant get an attorney because Im not suppose to be doing this in the first place. What started out being under $200 in unauthorized charges ended up being fines for a casino and a hell of a lot more money.

If I am banned, so be it, no hard feelings with anyone. I just hope bryan will take the time to read the pm's I sent to him. And Id also like to thank a certain rep (you know who you are) for taking time out of your busy day to find out what was happening to me and to explain things to me rather then send threatening emails to me. ( i was a little sarcastic with that casino because of their threats, I should of saved there emails but didnt because they were so ridiculous) . Please do not ask who the kind rep is because I dont want this person to get caught up in this mess for being helpful

Again, this was no secret and no Im not gonna rehash everything but I did post something in October about what happened and what I was going to do and got no help or reasonable discussion. I dont have a habit of doing chargebacks for fun. It was done twice in 2 1/2 years and for valid reason, infact one of the casinos and I made peace and I even got a $50 christmas present from them so that should speak volumes right there.

This thread was started by me only to warn people in the USA not to use your visa debits just because you can. I am just thanking my lucky stars that my favorite casino was NOT involved because that would of sucked if they used that processor (for both of us)
 

anniemac

Ueber Meister
PABnoaccred
MM
Joined
Jan 30, 2007
Location
Texas, USA
I had Netspend send back a charge and caused me all kinds of mess with QT but got it straightened out. I don't know why this particular name caught their eye cause all the rest go through fine. So far my funding of QT through my regular real bank has gone through fine. Netspend will hold the charges that are pending after they actually post too.

You have to be a genie to figure out how to deposit and make it work. So far though, QT is OK or at least it is with mine. I try not to use my real bank account for funding anything. That way the majority of my funds are OK> :D
 

vinylweatherman

You type well loads
Joined
Oct 14, 2004
Location
United Kingdom
The casinos must be VERY worried indeed about this. What if ALL the banks did a real in depth investigation and decided that they would reverse ALL gambling related charges they could identify, and for some while back. This kind of thing could really hurt a casino (or processor), as they would have long since thought the funds to be cleared.

This was a small bank, so perhaps it was easier for them to look at this on a personal level, and spend time unwinding all the gambling transactions they could identify. A big bank may well not bother unless pushed, after all, the customer gets back their money, the bank gains nothing, but goes to all the expense.

Unscrupulous players could take advantage of this development, making chargebacks themselves long after the event, not by disputing the transactions, but by making sure the bank finds out the transactions were to do with online gambling, thus forcing the banks hand under UIGEA since they would then have knowledge of the purpose of the transactions, and may interpret UIGEA as requiring them to unwind them due to them having been illegal. Casinos may react by imposing long delays on paying first withdrawals for US players who deposit with certain methods, which will in turn seize up the market since these withdrawals will not be abe to flow to other casinos.
 

linda7

Non-Gambler
Joined
Apr 12, 2002
Location
Brooklyn, NY
Makes no sense!

Whenever you have a problem with an unauthorized charge to your bank account, you must go to your branch and sign a few forms. The company who made the disputed charge will not be paid, and if already paid the bank will recoup your money. As far as the Casino is concerned, why are you not paying them Babs? Just because your bank supposedly did a form of a "chargeback" does not mean you cannot wire the money to the Casino, and you are willing to be banned due to this situation. If this is true, then I think you may have initiated this process. There is no way a bank can do anything with your money, without notifying you and getting your consent. Also, since you refuse to say the bank's name leads me to think that you are purposely charging back your deposits, and blaming the bank. Sorry, but your story makes zero sense to me. I do not know anyone who would accept a banking error as a reason to ruin your name.
 

EasyRhino

Dormant account
Joined
Sep 17, 2006
Location
San Diego
This would be strangely paternalistic on the part of the bank. Probably ONLY likely with a small ma and pa kettle operation.

Have you tried contacting the bank and saying "listen, these charges are legitimate... stop doing the chargebacks"? And if they ask you what the charges were for, just say "gambling... what are you, a cop?"

This would of course put you in the strange situation of being upset about money being returned to your bank account.
 

brianzz

Dormant account
Joined
Feb 2, 2006
Location
TN
I just had a ton of deposits charged back by my bank also.. really weird... but these were all older deposits.. like late November early December. Eh well, one less car bomb I just purchased I guess.
 

babs7262

Banned User
Joined
Oct 9, 2006
Location
PA
Linda

Im not getting into any match with you by any means because Ive been through enough the past week with this bank. First off, I am pm'ing people that pm me with the bank's name. I dont find it smart to say the name of a bank where someone could get in and look. Like I said, its a very small local bank with only 3 branches

2. If you read ALL of my posts instead of skimming, you would see where I did initiate a small unauthorized amount back in October which was over 2 months ago giving "said casino" plenty of time to go over it. I havnt heard from "said casino" until this past week after my bank took the liberty of taking ALL isagro holdings deposits whether it was that "said casino" or any other casino.

3. Its not that I am "willing" to get banned, If I have to stop one, I have to stop them ALL including the ones in dispute in which "said casino" didnt dispute back in October

Think what you want, I really dont care. I just did this so people take precautions as well as casinos. I did offer to try to work things out with one casino but they said "not to worry about it".

I think maybe next time instead of putting myself out there to be judged, Ill just keep my mouth shut and let players and casinos get screwed, would that suit you better?

Well, Ive said everything I need or want to say in this thread with good intentions so no need to return to it. Like I said, I love it here but if I get banned for chargebacks that were legitimate and way past their dispute time, then so be it. I know what I did was right and thats all that matters. Im the only one who knows me and the only people I care about are the ones I can trust and will end up staying in touch with me anyway. The ones I never hear from again were never real friends to begin with.


To VWM: Im afraid you could be right and that is why I started this thread to begin with. I now only use places that cannot do chargebacks or places that cant double dip. De-Card I feel is the best thing that ever happened and I hope other casinos follow suit. $20 min deposit into your virtual card with no additonal fees/ This way you can put $20 on your card, make your deposit and play without any cause for concern. They cant take what you dont have in your card!
 

GGW Laurie

Dormant Account
Joined
Jun 16, 2006
Location
In the Beautiful South !!
Whenever you have a problem with an unauthorized charge to your bank account, you must go to your branch and sign a few forms. The company who made the disputed charge will not be paid, and if already paid the bank will recoup your money. As far as the Casino is concerned, why are you not paying them Babs? Just because your bank supposedly did a form of a "chargeback" does not mean you cannot wire the money to the Casino, and you are willing to be banned due to this situation. If this is true, then I think you may have initiated this process. There is no way a bank can do anything with your money, without notifying you and getting your consent. Also, since you refuse to say the bank's name leads me to think that you are purposely charging back your deposits, and blaming the bank. Sorry, but your story makes zero sense to me. I do not know anyone who would accept a banking error as a reason to ruin your name.
.....#1 she has offered to pay them..#2 she does not wish to be banned, only to state the facts...#3 banks can do certain things with your money without your consent(do you work for a bank?)... #4 many of her forum friends know the name of this small bank, which sometimes differ from the larger ones.... #5 her reputation on this forum and good name speaks well enough for those who have known her over the past years as a member here in good standing..#6 maybe you should go back and re read her posts and then it just might make sense to you..........good day!!!!!!!!!!
 

daera

Dormant account
Joined
Apr 24, 2001
Location
USA
I believe things happened as Babs said in her initial post. I think the initial chargebacks she did raised red flags and got them to watch her transactions more closely. Because of UIGEA, any U.S. bank will probably return funds that they suspect is coming from online gambling. Once they have any reason to think your account is being used with or without your consent for online gambling, they'll be very likely to even close your account.

I would strongly suggest everyone to use Netspend or QT to make deposits. And to never use your Visa-Debit card from your bank account to make deposits. That's really risking things if you ask me.
 

footdr

Banned User: PITA violations of the Forum Rules
Joined
Jan 13, 2006
Location
cyberspace
DEBIT AND ACH CHARGEBACKS ARE TRICKY

I totally understand the problem. Had it happen to me. Disputed duplicate charges with Click2pay cause they refused to refund me but my bank returned all charges submitted by them on the same day as the duplicate/disputed charges. Then click2pay tried to charge me the return fees I refused to pay them. I figured they charged me twice for some , bank returned the others in error; I called us even. I was only willing to pay the amount I owed not the return fees.

Closed my account and done deal. No problems with the Casinos as they had been paid and nothing Click2pay could do about it, legally. That company was such a rip that I have no bad feelings at all.
 

Mousey

Ueber Meister Mouse
Joined
Sep 12, 2004
Location
Up$hitCreek
I just had a ton of deposits charged back by my bank also.. really weird... but these were all older deposits.. like late November early December. Eh well, one less car bomb I just purchased I guess.

This is getting weird... casino deposits? Which processor?
 

babs7262

Banned User
Joined
Oct 9, 2006
Location
PA
HI Mousy

The processor that got it was Isagro Holdings, Im assuming they got rid of them (if they are smart) and get a new one OR I think they just stop taking visa debit cards whether it goes through or not to be safe for all of us
 

Stovetopp

Senior Member
MM
Joined
Jul 11, 2008
Location
On the Beach
Hi babs, I have read all 24 posts here trying to figure waht you meant by chargebacks..I think on one of my accounts there is ISARGO as the processor

Simple question Do you mean the bank returned all the monies ISARGO sent them leaving you in a debit situation with the bank?
I am confused
 
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