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Had to close bank account

B

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
 
babs7262 said:
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
Click to expand...

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?
 
vegetagirl2008 said:
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?
Click to expand...

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
 
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.
 
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.
 
jas2587 said:
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
Click to expand...

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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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,:o ) 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..
 
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)
 
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
 
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.
 
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.
 
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.
 
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.
 
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!
 
linda7 said:
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.
Click to expand...
.....#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!!!!!!!!!!
 
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.
 
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.
 
brianzz said:
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.
Click to expand...

This is getting weird... casino deposits? Which processor?
 
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
 
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
 
I'm going to close this thread before it goes any further.

Babs has been performing chargebacks at two - perhaps three casinos. I told her last night that this breaches the forum rules; chargebacks are considered fraudulent activity.

The first time happened several months ago at Club World - the most recent time was with iNetBet.

I'm waiting for the casino to get back to me with further information. So far it looks like they are getting hit up for about $2000 in fines for this activity.

Apparently, Babs felt like bringing this into the open possibly to garner support before a pending suspension (I hadn't got back to her yet on this). I don't really appreciate this.

On another note, there have been some questions about Linda7's account being closed here - it has nothing to do with this thread.

She had created another persona 9111986 for whatever reason, and filed a bogus PAB
https://www.casinomeister.com/forums/members/

Linda7 and 9111986 are the same person, using the same computer. She tried BSing her way out of it, but she blew it, which is a real shame since she is a long time member.
 
Okay, the casino (iNetBet) got back to me with a copy of emails and PMs from Babs. It seems that Babs has been a little "stretchy" with the truth.

She closed her account in October. Coincidentally, it was in October that she asked to take a break from the forum - I placed her in the "Quit Gambling" user group. I let her back in when she requested to have her account reactivated. Which I did since she did not admit to having a gambling problem.

Anyway, after she had her iNetBet account closed they received the chargebacks. They tried contacting her via email - no response.

They see that she's still an active member here so they PM her to find out what happened.

She told them that she was upset that the withdrawals from her bank didn't match the deposits in the casino. She also said that her husband was upset about this and charged back the deposits and closed the card.

So instead of contacting anyone at the casino, she "charges back". Please bear in mind, these were legitimate deposits that she gambled.

She said she was going to send proof to them on Jan 5 - but so far nothing. They have requested proof no less than three times since this happened.

babs7262 said:
...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...
Click to expand...

Well, yeah - you did do this on purpose. I have the emails that prove so.

babs7262 said:
...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..
Click to expand...
Again, I have a statement from you where you admit your husband was angry and charged all this back. Funds that you gambled (and apparently lost).

babs7262 said:
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.
Click to expand...
Huh? You closed your casino account and stopped answering your emails. They decided to contact you via PM after seeing your activity here. Why didn't you tell them what was up via a PM?

This stinks - in a real bad way. When you make a chargeback, you are telling the bank that these charges are unauthorized - like a stolen card. Just because a some withdrawals are a few dollars off doesn't mean it was unauthorized. Don't forget you gambled this money away.

Did it ever occur to you that these differences could have been fees from a payment processor that you ended up paying? How was the casino supposed to know that you were debited for those? Why didn't you just contact them and ask them to cover the costs? I'm sure they would have obliged making up for it with a gift coupon at Amazon.com or something. Jeeze! This is iNetBet not some clip-shot joint from Cowboytown.
 
i have spoken with babs about this on the phone and she is not going to use a bank card for gaming anymore as sometimes chargebacks can and will happen on the part of the processor or by the player, pre paid cards are just about the best option out there for the u.s player, what amount you have on the card is what you have to use.

i hope that no one will make bad judgement calls against barbara, as she has been under alot of stress and is upset over all this, she has also been a great poster and forum member. is there not a way that this mess can be resolved to suit both parties?............laurie
 
This is a really sticky, nasty mess. On one hand you have a long-time member here at this forum - well liked and knowledgable. On the other hand, you have someone who knowingly charged back deposits to a casino after gambling them away. This is the knowledge that all of us are privy to.

What to do? What to think? A chargeback is a chargeback, plain and simple. It has to be done by the account holder and with a valid reason. I get charges thru Isagro Holdings among others and yes, they are different from what actually gets charged to my account. Usually by pennies. Reason for this is so your bank or card won't notice them as much as if they were all even dollar amounts. When the screen comes up after your deposit is accepted, it will tell you this.

Now, what to do about cleaning this mess up? I don't think there is any other option other than to pay up. When I had the chargeback to QT not too long ago, while QT was very nice and reopened my account while I cleared it up, I was still responsible for it. They didn't care that Netspend had done it, just that I paid it. I cleared it up and all is good. That is the only option that is going to be acceptable to the casinos affected.

It is what it is. These deposits that were chargedback have to be cleared up and then move on from there.

I am sure that Babs is upset by this. Just fix it and it will go away. All will be good.
 
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anniemac said:
This is a really sticky, nasty mess. On one hand you have a long-time member here at this forum - well liked and knowledgable. On the other hand, you have someone who knowingly charged back deposits to a casino after gambling them away. This is the knowledge that all of us are privy to.

What to do? What to think? A chargeback is a chargeback, plain and simple. It has to be done by the account holder and with a valid reason. I get charges thru Isagro Holdings among others and yes, they are different from what actually gets charged to my account. Usually by pennies. Reason for this is so your bank or card won't notice them as much as if they were all even dollar amounts. When the screen comes up after your deposit is accepted, it will tell you this.

Now, what to do about cleaning this mess up? I don't think there is any other option other than to pay up. When I had the chargeback to QT not too long ago, while QT was very nice and reopened my account while I cleared it up, I was still responsible for it. They didn't care that Netspend had done it, just that I paid it. I cleared it up and all is good. That is the only option that is going to be acceptable to the casinos affected.

It is what it is. These deposits that were chargedback have to be cleared up and then move on from there.

I am sure that Babs is upset by this. Just fix it and it will go away. All will be good.
Click to expand...
this is good sound advice annie, get in contact with the inet promo dept or emily babs and see how this can be taken care of in a honorable way, its not the end of the world.......they are a good casino and i dont think they are out for blood, just the money they are out of pocket.........all these matters can be worked out, im sure.....chin up!!!!...............laurie
 
The reason I took a break was because of the mess with Inet not reverse. I did contact them advising them of the unauthorized amounts and told them to close my account and that I was tired of them taking out the wrong amounts. The reason why it was gambled with was because the my deposit showed the right amount but my bank took a different amount out

You say Club World was done in the same manner when in fact it was OVER 1 1/2 years and I showed them proof (because they asked for it right away, not months later after my online statement was purged). I still gamble at Club World every now and then and they even gave me a $50 Christmas present so adding Club World to this mess was totally unjust. Tom and I are on good terms and we shared several phone calls at the time.

The reason why I ddint show proof on here on this one is because when I did with Club World people still didnt believe me and I put my whole banking life online for all to see and Im not going to do it this time.

My husband was not pissed about my gambling and only knew of me bitching outloud (because I talk to myself outloud from being here alone all day) about the extra money on every deposit. I didnt even take all of the wrong amount ones because I considered a win and deducted that to be fair and have more than what I was suppose to have. Maybe I went about it the wrong way but these were not fraudulant and by the time they asked me in January (like about 2 weeks ago) my online purged and I can only see to November. They give me 20 pages to see online at a time and I deposit frequently to 3 dice so it purged fast.

I since then had other problems with my bank of 12 years and closed that account (well, not closed but left it with $3) in December and opened a bank of america account and have never deposited with my Visa debit again with any RTG or MG. I had no activity or no deposit history with QT or DECard until all of this happened and started using this method so this NEVER happens again.

Im sorry if this came across as fraudulant and Ill have to live with that and possibly be banned or lose the respect of some of you. Its something that cant be changed at this point. If every single transaction from purchases added more every single time , you would lose tens of hundreds of dollars and this isnt right to me and never will be right in my eyes.

I am not the first to do this (not making an excuse, just a fact) and I wont be the last to do a chargeback in which you felt you were right in doing so. I feel being banned is wrong because of all of the good that has been done by trying to be part of a community and helping others and throwing something away for one thing just because I am not believed is just wrong. I would think that if people were to get banned from breaking a rule then ALL of us would be at one point whether its flaming, swearing, spamming, etc... Noone is perfect (not that I think I did anything wrong) and if you think I did something wrong, it wasnt meant to be that way and I hope you dont throw me away for this incident.

One more thing: I would like again to apologize to the affected casino that was an innocent bystander. I made peace with the rep and felt horrible and asked if there was anything I could do. This rep will always have my respect for listening to me and understanding what happened to them without calling me names or accusing me of any intentional harm. I choose not to share this reps pm's just incase they dont want to be involved with this situation but you know who you are and I thank you for your understanding and how you accepted my apology when you could of just blown me off and not believed me.
 
lauriejim said:
this is good sound advice annie, get in contact with the inet promo dept or emily babs and see how this can be taken care of in a honorable way, its not the end of the world.......they are a good casino and i dont think they are out for blood, just the money they are out of pocket.........all these matters can be worked out, im sure.....chin up!!!!...............laurie
Click to expand...


From what I heard they are telling bryan that with the fines its over $2K. I did about $180 give or take because I dont remember and to clear my name I would have to pay it ALL. I cannot afford that, simple as that and besides that , why should I pay back something I feel wasnt the right amount to begin with? Honorable? If it was 3dice or some other casino like 32rd that didnt have so many confusing technical terms that made your head spin and come up with excuses why THEY shouldnt pay wins to people, why should I pay something I dont think should be paid back when they dont? I usually like taking the higher road as I did when I DIDNT do that $40 I thought was wrong on that very last ClubWorld one a long time ago. Remember that one? I had every right to do that one but chose not to because I didnt want to stir the waters and wanted to keep peace with Tom. Im not taking a backseat this time and pay $2K for $180 that I felt I was right in doing.

Im sorry, thats how I feel. There was an instance when I thought I won a jackpot at 3dice because of a system glitch. They had to look into it and gave me $50 in the meantime. I found out (thanks RObwin) what happened and that I didnt win it. THe first thing I did was pm Enzo and offer to pay that $50 back because I felt it wasnt mine to keep. I do what I feel is the right thing to do and I dont feel I owe Inet money. If I do get banned, I will miss all of you and hope to see you on chat at the casino. I got alot out of this forum and appreciate everyone in here that gave me rep points and became my friend. I still feel that people shouldnt judge one situation out of daily writings of over 2 years but its out of my hands and Ill respect whatever decision bryan makes.

Take Care and I wont be responding anymore because there is really nothing left to say. I stated my side, apologized to the right people and stated how I felt about the banning. Peace to all:)
 
RobWin said:
Good lord, how in the world could $180.00 possibly turn into $2,000.00....that just does not seem realistic unless you are dealing with Guido the Loan Shark or someone like that...:eek2:
Click to expand...

I know when I have went to deposit say $30 an it says $29.95 will be charged to your account I click ok then I commit myself to pay that amount

it has never went over the say $30 ever

the charges can go that high cause with a chargeback then the casino owes the processer it is no different then a bounced check an with a bounced check there is a fine an if the processer keeps putting that (((check)) thru an not getting paid up goes another fee which can add up

when you do a chargeback an go ahead an play the money you are spending the processor or the casino's money it isn't yours anymore as you did a chargeback

so sorry to say it will add up
an just because you talked to the rep here dont mean they have the right to say sure n/p they are in no ways no different then a ummmm bank teller not a branch manager

hope this makes sense an not meant to offend any one at all

it is just the way i read it

Cindy
 
Jas,

You are right. One bounced check can cost you a bunch. Everytime it goes back through there is a charge.

It doesn't make any difference if it is a casino or your water bill, you gotta pay it. That's all there is to it. The casinos has every right to expect payment and to collect it however they are able.

Such a mess.
 
yes, they are different from what actually gets charged to my account. Usually by pennies.
Click to expand...
This has been known since the implementation of the UIGEA..many threads have been written on the different amounts taken by casinos ..this is not a new thing that just started..and not to be down about this, but if you gamble and deposit, you KNOW this and accept it when it pops up with a different amount posted telling you what will be charged before you click ok. No way around that for USA players.

I am not condemning you on this, just stating the facts that are written throughout this forum..and deposits with QT/Netspend or any other card for that matter..for they do it credit cards too...this amount in differences has always been there since day one of the UIGEA...for the processors protection and we also received emails in the beginning of this change from many casinos telling us this in writing to not be alarmed if the amount debited is different than asked for and in my case it has always been to my benefit, not the other way around.

To be banned or not, will be left up to Bryan...whatever his decision, will be accepted by me and many others...personally, if you try to make restitution in good faith, all is good here, becasue a gambler ALWAYS pays their debts or ones that he caused to be created....



.
 
imo, babs, you should either try to re-reverse all charges and try and work it out from there, or get on some sort of payment plan with iNet to see about paying this money back. Seeing as how we're talking about 1800 in fines alone, maybe they could cut you a break on some of these fines?

And on the flip side - $75 to $100 for each transaction that was reversed? This seems kind of steep. I feel that my bank is outrageous with their returned check fees, which are $39....:eek:

And on the other hand, when you look at the big picture, iNet's processor has every right to increase their rates if there are too many chargebacks from their players.
 
winbig said:
imo, babs, you should either try to re-reverse all charges and try and work it out from there, or get on some sort of payment plan with iNet to see about paying this money back. Seeing as how we're talking about 1800 in fines alone, maybe they could cut you a break on some of these fines?

And on the flip side - $75 to $100 for each transaction that was reversed? This seems kind of steep. I feel that my bank is outrageous with their returned check fees, which are $39....:eek:

And on the other hand, when you look at the big picture, iNet's processor has every right to increase their rates if there are too many chargebacks from their players.
Click to expand...

Oh babs hun, what a mess this has turned into. I don't think all 21 chargebacks were initiated by you, but you are now responsible for them. Hopefully the affected casinos will offer you time to pay the processor fees, and since casinos routinely cover part of these costs for players, I hope they will give you a break on them.

It took a lot of courage for you to bring this out in the forum, and I do hope that others can learn from your experience.

And I hope that we do not lose you as a participant in this forum.
 
winbig said:
imo, babs, you should either try to re-reverse all charges and try and work it out from there, or get on some sort of payment plan with iNet to see about paying this money back. Seeing as how we're talking about 1800 in fines alone, maybe they could cut you a break on some of these fines?

And on the flip side - $75 to $100 for each transaction that was reversed? This seems kind of steep. I feel that my bank is outrageous with their returned check fees, which are $39....:eek:

And on the other hand, when you look at the big picture, iNet's processor has every right to increase their rates if there are too many chargebacks from their players.
Click to expand...

Steep lets see it goes from Babs to a processor to a casino then again to a processor an to her bank then they all get chargedbacked wether She did it or her Husband did it so then the process is reversed from the bank to the processor to the casino to them emailing babs she so they say ignores the emails they pm her dont know what heppened there she has admitted doing it here

why are you all patting her on the back she er her Husband reversed the charges she should pay the cost

as for bank account you can get your statements mailed to you even if you opt out of paper statements I can go online an get 2 years or more of statements



have none of you all read Bryans post at all #27 an #38
they speak for theirselves as to what happened

long standing members make mistakes tooo it happens

Cindy
 
Last edited:
jas2587 said:
Steep lets see it goes from Babs to a processor to a casino then again to a processor an to her bank then they all get chargedbacked wether She did it or her Husband did it so then the process is reversed from the bank to the processor to the casino to them emailing babs she so they say ignores the emails they pm her dont know what heppened there she has admitted doing it here

why are you all patting her on the back she er her Husband reversed the charges she should pay the cost

as for bank account you can get your statements mailed to you even if you opt out of paper statements I can go online an get 2 years or more of statements



have none of you all read bryans post at all #27 an #38
they speak for theirselves as to what happened

long standing members make mistakes tooo it happens

Cindy
Click to expand...

FTR, I'm not patting anyone on the back. Just offering some advice, which you could see if you read my post in its entirety.
 
jas2587 said:
an it starts
I did read your post entirely I read the whole thread several times

"""why are you all patting her"""

does not refer to one person key word ""All""
Click to expand...

Yes, but "all" covers everyone, not just certain people. A better way to say it would be 'why are some of you.'

[/derail]

But, I do understand what you're trying to get across...just might want to word it different next time :)
 
No matter how or who says it, it all boils down to the same thing. Chargebacks were made. Now they have to be paid. No more, no less.
There is just no way around it.
Click to expand...
Agreed. The casino, processor, nor the bank initiated this process. The player did.

We all do make mistakes during our lifetime, but it is how we take care of a mess we have created that speaks volumes about ones own integrity. Hopefully the right choice is made here.

.
 
Here's my take and solution to this mess. Most have already been said but may be worth repeating:

Bank fees and fines are a bitch these days, bounced checks costs $20-75 depending and overdrawing your bank account just as much. I'm sure the $75 fine per transaction CM mentions is correct, it sounds just about right to me. Babs herself says she doesn't have the money to wipe out this debt so it would be nice to see Emily Hanson or someone else from Inet contact her to try and work something out. Perhaps a good portion of the fees can even be waived?! If I were the creditor in this case, I would surely try to set up some sort of payment plan. Even if I could only get twenty bucks a month, it would be better than nothing and plus it would give the other party a chance to make restitution and get past the whole ordeal.

Also, these are gambling losses and should always be paid in accordance with unwritten rules and the important honor system. I surely hope this will get resolved soon.

Just my two cents,

Swede
 
Swede said:
Here's my take and solution to this mess. Most have already been said but may be worth repeating:

Bank fees and fines are a bitch these days, bounced checks costs $20-75 depending and overdrawing your bank account just as much. I'm sure the $75 fine per transaction CM mentions is correct, it sounds just about right to me. Babs herself says she doesn't have the money to wipe out this debt so it would be nice to see Emily Hanson or someone else from Inet contact her to try and work something out. Perhaps a good portion of the fees can even be waived?! If I were the creditor in this case, I would surely try to set up some sort of payment plan. Even if I could only get twenty bucks a month, it would be better than nothing and plus it would give the other party a chance to make restitution and get past the whole ordeal.

Also, these are gambling losses and should always be paid in accordance with unwritten rules and the important honor system. I surely hope this will get resolved soon.

Just my two cents,

Swede
Click to expand...

very well put Swede
 
I was playing last year and I knew I didn't have that much money in the bank but the casino kept on taking my deposits, I think it's because I had my bank for so long and they seen all the deposits I made, they just trusted me, or the fact that when you use credit instead of bebit it takes longer to go threw, I'm not sure, but anyways, a week into this my bank called me up and told me I was over 7,000 overdrawn, I wanted to puke, eventually I checked online with the casino history section and I did make deposits over 5,000, money I didn't have in the bank and the rest was fees..My bank asked me if I wanted to dipute the charges, boy was I tempted, but I couldn't do that, I had no choice but to pay..BUT, at first I said NO WAY did I play that much, I was so mad at the casino for robbing me, it wasn't until I checked with my history that I knew it was me, if I didn't check with the history, I think I would have disputed, I would have though they were wrong and not me..Needless to say, more charges went through after that and I had to pay almost 10,000.00 back to my bank..
Sometimes we are wrong too, NOT saying Babs could have made a mistake, I'm sure she is more aware on what she plays than me, I just play without writing down what I spent and I delete the emails that they send letting me know of my deposits, I always hid everything from my husband..
Mistakes can happen, with ourselves, with banks and with casinos..
IMOP, I think Babs is innocent, she's to smart to mess up..
 
I think all has been said here that could be said, but I have to agree with you on this one, Swede...

I do think that iNet should be made 'whole' again, and be repaid any and everything they are due, that they had to pay out of pocket. If they were charged $75 per transaction, then that's what they should be paid back (along with reversed charges.) Not a penny more and not a penny less. It'd definitely be a great thing if they were able to cut babs a break on the extra fees, but that's totally up to iNet's discretion.

Regarding babs' future here at the forum, I can't speculate on, because that's entirely in the hands of Bryan. I, like others, would hate to see her go...because when it all boils down, I think babs is a great person to have around. :)
 

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