I assume your saying that when you deposit, even with saved card info, you have to re-enter the CVV number to deposit everytime?
I have no clue because I only tried to deposit twice and was declined and that was a while ago so I don't remember.
Incorrect, QT initiates bank wire transfers which Netspend doesn't accept. Netspend only accepts ACH withdrawals.
Bottom line, somehow they charged my account. I have the f'in prinouts from my bank displaying the transaction #'s, time, amount and date they were initiated and processed. I can tell you with 100% certainty that QT is covering something up. If they didn't realize a mistake was made than why did they refund me the original $210? Just doesn't add up. If it isn't a mistake on their part than someone that works for them stole my CC info and manually charged my card, but than again, the descriptors identified QT. And...if that is the case and someone stole my info from their servers, they are still liable for not securing my info, which it's obvious that their site isn't too secure.
Although you would like this to be sorted out WITHOUT having to get your bank involved, you seem to be getting "stonewalled". It looks like QT are calling your bluff. They think you will "eat the $370" rather than pursue the issue through your bank.
It seems that your relationship with QT has irretrievably broken down, and whatever the outcome, they will NOT have you back, and you don't seem to want to go back to them anyway.
The $370, if subject to a chargeback, will place QT in something of a dilema, since QT claim this deposit DOES NOT EXIST!, and this can be proved from your report at QT. The chargeback would come from someone ELSE'S "account", wherever that may be, and if anyone makes a fuss, you will KNOW FAR MORE about how this money was stolen, and maybe by whom, than you do now.
If QT dispute the chargeback of the $370, THEY will start communicating with YOU, and YOU will be in a position to "stonewall" THEM. Tell them it has nothing to do with them, since there is no record of the $370 at their end, as they have repeatedly told you.
Your BIG problem is with your BANK, and so BEFORE approaching them, you need to ensure you are protected from any fallout.
Others have mentioned that their banks have frozen their accounts for "investigation" when these "red flags" are raised. This might be the case were the bank to believe your story is covering up the fact that the $210 and $370 are gambling transactions, with the $370 being disputed because it didn't arrive at the other end, and the merchant has been unable to locate the money and place it in your account. The non-gambling argument would be that you "didn't receive the goods or service" for which you paid $370, and you trusted the merchant because you DID "receive the goods/service" for the earlier $210, and do NOT therefore wish to dispute the former charge.
To cope with any "fallout", ensure you have other funds available, even to the point of moving inbound payments (salary etc) to another bank, and taking out new credit/debit cards with them. If your current bank freezes the account as part of any investigation, you should NOT end up being unable to pay bills etc.
There is also a danger that the bank will seek to go back and charge back ALL prior deposits to QT, believing this is required for them to comply with UIGEA (once they know a transaction is for gambling, they must block it). This WOULD affect you, since QT would probably seek the money back from the casinos, who in turn would place you on a chargeback blacklist.
Perhaps the best ploy would be to convince QT you believe you have nothing to lose since you will NEVER trust them again, and you WILL continue to pursue that $370, and ARE prepared to involve your bank rather than simply give up.
The best starting point could be to send them a more formal complaint, giving them a reasonable time period to trace and recover the missing $370, after which you WILL escalate the matter as a "fraudulent transaction" with your bank for THEM to pursue on your behalf. Hopefully, they will see sense, and do a PROPER investigation. They may well uncover serious breaches in their systems, although they will seek to keep it quiet. Other posts have revealed that there is CLEARLY something not right with QT "secure systems", since things are happening that shouldn't be happening - and going back to 2007 as well.
NP, silkprint, and I do appreciate your posts - apology accepted (kidding!). Well, the guy's guilty of havin' his cc show up in my QT and messin' me up, anyhow! QT has only suspended my acct. with no explanation so that means they're throwin' him under the bus via silence. (grumble, grumble...)
even though I would have thought they would have given up because you make so much fuss that they are bound to get caught if they continue messing with your account.
