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Wife used my bank card WITH my APPROVAL but now casino doesn't want to pay out

Discussion in 'Payment Processing Issues' started by funboy13131, Feb 2, 2015.

    Feb 2, 2015
  1. funboy13131

    funboy13131 Dormant account

    Occupation:
    Marketing Analyst
    Location:
    South Africa
    Hi all.
    This is my first post, hope I don't make any mistakes!
    My wife doesn't have her own bank account, so when she wants to gamble she needs to purchase with my bank card. Until now she hasn't won, but finally she got quite a big win.
    The casino in question has a term basically saying that the card details need to match the casino account holder details. Which is obviously not the case.
    I have provided a letter confirming that I gave her permission to use my card and also a form I had to complete for the bank previously, which gives her authority on my account and cards.
    I don't want to mention the casino name yet, because we are still waiting on their final decision, but is this term a "fair" term? Is this something that should allow them to stop the payment of the winnings, given the circumstances?
    Any advice would be greatly appreciated.
    Thanks
     
  2. Feb 2, 2015
  3. lotusch

    lotusch Noob Webby webby PABaccred mm2

    Occupation:
    Fraud & Underwriting Team VRP / YapStone
    Location:
    Dún Dealgan
    Hmmmm tricky one but if you gave your permission and also sent in documentation to verify this I would not see a problem...
    Dunno how casino's look at this but I assume they didn't moan when she was depositing with your card?
    And you are even married,so what's the problem.

    Hope the casino will sort this for you as it seems a legit win. :cool:
     
  4. Feb 2, 2015
  5. The Viking

    The Viking Ueber Meister MM

    Occupation:
    chef
    Location:
    Faroe Islands
    well if your wife doesnt have a bank account, but you know that she signs up at casinos and you let here use your card
    why not let here sign up using your name and details :) would save you lot of troubles.
    also i think its tricky and its gona take a lot of convincing from you and your wife before you get your winnings,
    is it an accredited casino here at CM ?
     
    3 people like this.
  6. Feb 2, 2015
  7. lotusch

    lotusch Noob Webby webby PABaccred mm2

    Occupation:
    Fraud & Underwriting Team VRP / YapStone
    Location:
    Dún Dealgan
    Duh,why did I not come up with this very simple solution! :D
     
    1 person likes this.
  8. Feb 2, 2015
  9. dunover

    dunover Unofficial T&C's Editor Staff Member CAG PABnononaccred PABnonaccred PABinit mm3 webmeister

    Occupation:
    International Money Launderer
    Location:
    the bus shelter, opposite GCHQ Benhall
    Really? I would not recommend that at all, fraught with dangers. You are breaking terms in the hope the casino doesn't realize, and if she becomes a problem player and then empties your account and then uses your details to obtain credit cards and loans to fund gambling? Absolutely don't do it!
     
    6 people like this.
  10. Feb 2, 2015
  11. The Viking

    The Viking Ueber Meister MM

    Occupation:
    chef
    Location:
    Faroe Islands
    Not the way i meant it Dunover, i dont recommend it in anyway, it just the way i see it shes more of a fraudster now using someone else card.
     
  12. Feb 2, 2015
  13. thebigs

    thebigs Senior Member

    Occupation:
    part time argos slave lol
    Location:
    roscommon ireland
    I had to use my wife's card before as mine was not being accepted.It was a joint account but two different cards.
    Spoke to the casino who spoke to my wife on the phone and was then allowed to use it.
    Hope you can resolve the problem.Its very easy to think what happened is perfectly innocent but quite rightly the Casino has to have rules to try and avoid these rogue people who try their very best to fraud them.
    So if your wife is going to open another account somewhere else do speak to the casino first to see if they can help you out.
     
  14. Feb 2, 2015
  15. funboy13131

    funboy13131 Dormant account

    Occupation:
    Marketing Analyst
    Location:
    South Africa
    Thanks

    Thanks for the responses. I hope they do come to the party and are fair about this. If not I'll be sure to post a follow up with the name. They are not accredited unfortunately, they are listed under rogue because of a rogue predatory term, but other places rate them quite highly.
     
  16. Feb 2, 2015
  17. dunover

    dunover Unofficial T&C's Editor Staff Member CAG PABnononaccred PABnonaccred PABinit mm3 webmeister

    Occupation:
    International Money Launderer
    Location:
    the bus shelter, opposite GCHQ Benhall
    This is a PAB waiting to happen, a big 'FU' waiting to be thrown at the player should they win big. Just get a joint account with both names officially attached to it and a proper authorized card each, do it by the book ffs.
     
    Last edited: Feb 2, 2015
    2 people like this.
  18. Feb 2, 2015
  19. bigjohn

    bigjohn Meister Member MM PABnoaccred

    Occupation:
    Swimming Pool Serviceman
    Location:
    Northeast Coastal USA
    Allowing players to have a different name on their funding source could certainly open up problems for the casino. It's easy to envision a big 'he said, she said' down the road and I'm not surprised casinos don't allow it.
     
  20. Feb 2, 2015
  21. Jasminebed

    Jasminebed Closer to 100 than Birth

    Occupation:
    Not in workforce
    Location:
    Ontario
    Casinos have Terms and Conditions that form a contract between you and the casino. It is important to read and follow those terms. Your wife is in clear breach of them.

    You should however have all prior deposits returned to you however if she never had any chance of cashing out.

    If the bank authorization is prior to all her deposits, they MIGHT pay the win.
     
    1 person likes this.
  22. Feb 3, 2015
  23. randomiam

    randomiam Meister Member

    Occupation:
    n/a
    Location:
    australia
    ideas

    offer a copy of marriage certificate and proof or the joint accounts banking
     
    1 person likes this.
  24. Feb 3, 2015
  25. chayton

    chayton aka LooHoo CAG PABnonaccred webmeister

    Occupation:
    Freelance Designer
    Location:
    Edmonton Canada
    I think the big mistake here is waiting until after a win with a pending cashout to clarify this with any casino you play. It would have been a lot better to contact the casino before depositing to make sure this wasn't going to be a problem, or that you could have both names on the account. Better yet, go out and get her a prepaid card in her OWN name.

    That being said, if her name is on the account and she used a card with a different name to deposit, where was casino security? We made that same mistake when we first started playing - I didn't have a credit card so my boyfriend used his card to deposit, but the casino account was in my name. We played once and next time I went to log in, the account was locked because the card and account name didn't match.
     
    2 people like this.
  26. Feb 3, 2015
  27. rena35

    rena35 Senior Member

    Occupation:
    writing/poetry
    Location:
    cyber space
    I would think if she was approved to use your account by the bank maybe you will be paid.
     
  28. Feb 3, 2015
  29. Captain Chaos

    Captain Chaos Senior Member webby

    Occupation:
    Train Guard
    Location:
    United Kingdom
    Can I ask why you haven't considered using pre-paid debit cards, loaded one up and then arranged a bank transfer to your bank account when cashing out? You really should have clarified this situation first before making ANY deposits.
     
  30. Feb 3, 2015
  31. BMWSTACK

    BMWSTACK Ueber Meister

    Occupation:
    Work
    Location:
    US
    Of course as others have mentioned you needed to read T&C's. Either way once she signed up for account with her name wouldn't it have been common sense to think that you shouldn't be depositing with a card where the name didn't match? This is the common approach with most purchase online, name on card should match the registered user of the account, whether it's gambling, a bill or any internet purchase.

    You should not be paid unless her name was also on card. These rules help prevent the widespread fraud the casinos always have to face. I've seen too many of the "wife stole card and lost all our money online" threads in the past. We can never really understand who's being honest in all these different scenarios, so it really comes down to following the rules.
     
    3 people like this.
  32. Feb 3, 2015
  33. Lucky Loser

    Lucky Loser Senior Member

    Occupation:
    Professional paper pusher.
    Location:
    Near Cronulla Beach
    I don't like your chances.

    I expect your bank' s T&Cs clearly prohibit you from knowingly allowing a third party, including a close relative, using your credit card even with express consent. It's a big no no contractually.

    A casino is on a hiding to nothing if they accept cards that don't belong to the named owner due to very high charge back risks. It's relatively common for banks to receive claims that spouses used their partner's card without their knowledge and in most cases the merchant will be forced to refund. It's a scam that's very easy to perpetrate.
     
    1 person likes this.
  34. Feb 3, 2015
  35. spintee

    spintee Meister Member webby mm2

    Occupation:
    gambler :)
    Location:
    Northants
    Its a verry tricky one, Around 8 years back I used my missus card and whiten 2 mins my account was on hold and phone call stating only use card as same name as sign up,

    So they have measures in place, There are clear terms that card must be in your own name, But I guess they do not care as if your deposits are more than withdraw than they will likely say you can have winnings but have to have your own card or close your account, But if withdraw outways deposits than most likely say sorry you broke rules so here is your deposits back, I bet casinos love this and no dam well the wrong card is being used but just seeing how much money they can take you for before the withdraw :(

    If its a decent site than they may be very helpful, But may want you and wife to print sign and scan back signatures,
     
  36. Feb 4, 2015
  37. koles

    koles Dormant account

    Occupation:
    manager
    Location:
    Frankfurt
    hmm ... difficult situation
     
  38. Feb 5, 2015
  39. asadzareef89

    asadzareef89 Meister Member MM

    Occupation:
    Admin Asst
    Location:
    United Kingdom
    I thought i wouldn't comment on this thread since it was posted but can't help myself

    It's very clear, never ever let anyone else use your card even with your approval on a gambling website for many different reasons, 1st thing is its just in almost 99.9% of legit casinos terms that its not allowed, 2nd it opens up a lot of chances for fraud i-e makes it easier to chargeback or claim refund from the casino stating the obvious in case of a loss. 3rd not so common but very plausible is that you let your missus use your card as a one off for say 100 pounds and she loses it, then as she has access to that card and a gambler tries to win it back and deposits even more without your approval which than creates problems for you and the casino as you would want that money back right.

    So if your wife didn't have a bank account which i don't believe as anyone living in even 3rd world countries can open a bank account within 5 minutes(And believe me its that easy), This I think was a try at using an age old trick of taking a risk knowing you can chargeback in case of losses as the gaming account would be in different name than the card.

    I apologize if this wasn't your intention but based on what I have read it seems to be the case to me, If this ain't the reason than take this like a man and let this be a lesson to you for future that if you want your missus to gamble your money, open a bank account for her as surely that would be way easier than trying to get withdrawals approved in case of a win.

    In this case I don't think anyone would be able to help you get your money and I don't think anyone should even try to mediate for you as it wouldn't be fair to all the honest business operations who have suffered the agony of chargebacks which than affects their behaviour(More harsher terms) for people who actually follow the terms

    I believe CM has been great in getting casino's to make their terms better(Most recently tivoli casino) and this term is fair and should be implemented in its entirety. I know i'm being harsh but I don't even think the casino should return the deposits
     
    4 people like this.

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