Charge Back Nightmare

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Last post ago over 6 years by zuga
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    5793
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      • Started by
        Superstar Member
        5793
      • last active 4 months ago
      darn, it was really my nightmare.  My bank charged me as

      Echeck deposit-              return check fee/NSF  $34
      Echek $2.50 fee-            return check fee/NSF  $34
      1 box of Marlboro $5.75-  overdrawn fee  $34   
      Shell gasoline $10-          overdrawn fee  $34
      Jamba Juice $4.25-          overdrawn fee  $34 

      I was so rich, I bought 1 box of Marlboro for $39.75, one jamba juice for $38.25  :'( .  I just went to my bank and talked to the teller if she can reduce the fee for me, amazingly she could, for first time overdrawn account, the fee was reduced in half which is $85.  I was so happy. and now I have two lines of protection I just added, a line of credit and a saving account that linked to my checking account  , my bank now is back in good standing, whewww.
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        Hero Member
        655
      • last active 4 months ago
      Thats still very expensive pack of cigarettes and juice, lol.  Did you ask to speak to the bank manager and say yes I screwed up please reverse all the fees????
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        Superstar Member
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      you did good taaaaaa congrats hun  now im still crossing my fingers for u bonus
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        Super Hero
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      • last active 2 days ago

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      I thought I should post my nightmare somewhere else, but I think this might be the best place. But if it gets moved it somewhere else I will understand as I don't want to offend taadaa or bonusroundplease. Sure don't mean ,in any way, to drag them down with me.Theirs' are a different story. I have been prolonging my nightmare for too long. I should have closed my Echeckus account. Too many times I overextended myself and frantically got it covered in the nick of time. While I dread bank charges for returns and my checking account risk being closed, I am even more terrified in losing face and credibility with the casinos. I don't want to give myself up, cause I'm still working on it. Now I don't have a clue where to begin as far as who to explain to that I f----- u-. I don't want to be locked out. I know the checks can't be stopped. But is it possible to work out payment arrangement with them? Do I contact the casino and Echeckus? Will it make it any better if I let them know before it happens? This is so hard, because I feel bad, look bad, and did a bad thing. I don't want to lose the casinos. If anyone isn't so disgusted with me, that they wouldn't want to answer me, I'd appreciate any feedback.
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        Super Hero
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      • last active 6 months ago

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      Helwin....I feel bad for you.  I know how hard it is to talk to people about something so personal.  I wish I would have spoke up sooner but I also had fear of looking bad or talking bad about a casino.  When my ordeal occured I was told by one casino that e-wallet express had to handle it not them.  The casinos pretty much didn't want anything to do with me.  BUT e-wallet express was VERY helpful and let me pick the day to pay them back the returned funds.  They even said if I needed a payment arrangement I could do that but I paid it in full.  I feel emailing the casinos is a waste of time atleast it was in my case.  I got no replies back when I tried to explain.  E-wallet Express was very helpful.  I would contact e-check asap and tell them the items will be returned and ask what the next step would be.  Then I would be contact the casinos because maybe they will contact you back...they just didn't me.  Again, I'm thinking of you girl.  Hang in there. 
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        Mighty! Member
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      • last active 6 days ago

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      sounds like good advice, Helwin.  The truth shall set you free.
    • Avatar 20717
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        Super Hero
        1103
      • last active 6 months ago
      Well, here is the latest on my ordeal.  I still know nothing!


      All operators are currently assisting others. Thanks for your patience. You are currently placed in queue number 1. The average wait is 21seconds. An operator will be with you shortly.

      You are now chatting with 'Don'

      cnolley: Hello Don

      Don: Welcome to Tropica Casino Live Support. How may I assist you?

      cnolley: Can you pull my account and see if management has come to a conclusion regarding my account

      cnolley: cnolley

      cnolley: my email address

      Don: Ok, one moment please

      cnolley: I had a chargeback, paid it back, had 3 pending withdrawals and money in my account with a coupon that is still claimed and showing wagering requirements back.

      cnolley: They locked me out and then reactivated because I paid the chargeback in a timely manner

      cnolley: Now I have freebies in my cashier I can't claim cause the coupon is still claimed up top that I had made wagering requirments on when I was locked out

      Don: I see, however, it seems they have not come to a conclusion yet about the matters in your account.

      cnolley: I meant the coupon says wagering requirements met not back

      cnolley: I was told Friday 24-48 hours. Do you know how much longer?

      cnolley: Also, can you please tell me how much money I had in my account when I was playing the coupon when I got locked out?

      Don: From what I can see it was 1603.92 that was in your account.

      cnolley: When I got locked out? Not counting my pending withdrawals?

      Don: About when they will get back to you, we can give a timeframe, but I'm afraid we can't guarantee exactly when you will hear back.

      Don: That was what was in your balance as I can see.

      cnolley: Goodness...okay. I have emailed management numberous times and I guess I will just have to wait longer and not be able to play here until you reach a decision

      cnolley: I can't redeem a coupon or my freebies cause the coupon I was playing is still active but wagering requirements were met

      Don: Wait one moment please

      cnolley: I know it's not your fault and I do appreciate you checking for me

      cnolley: I'm afraid of undoing the coupon cause I met wagering requirments and I don't want to risk losing that money. That should have been put back in my account and then they could have decided on the pending withdrawals

      Don: Actually, I think I saw wrong, that amount that I give you was the total amount including the pending withdrawals.

      Don: The balance that you actually had and was playing with, was $23.92

      cnolley: Well, I had a withdraw for 1000.00, 530.00 and 50.00

      cnolley: yes that makes since then

      cnolley: I want to play I have lost 3 you've been spotted coupons becasue of the 23.92 tht I was playing with the coupon that I met requirements for

      cnolley: I guess I will go play somewhere else until they reach a decision. Could you please forward this to management for me

      Don: Of course, I will forward this chat to them right away.

      cnolley: so he knows I am still waiting for a reply.  I am a loyal customer and if you look at my account you will see I deposit with 3 different methods and this was the first chargeback

      cnolley: BUT I paid it back so.....

      cnolley: Thank you Don.  I appreciate your time.  Have a good night
    • Avatar 20717
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        Super Hero
        1103
      • last active 6 months ago
      Sorry the last part of what he said got cut off:

      Don: You are very welcome, I will forward this matter for them to continue to look into this with a higher priority, and will make sure they get back to you as soon as possible.
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        Mighty! Member
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      Helwin, you aren't the first nor will you be the last. By contacting them, you're being proactive in hopefully stopping major damage to your good standing.

      I'm sure they'll try and work something out with you. I can recall myself doing a simliar thing some years ago.
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        admin
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      • last active 6 hrs ago

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      Helwin i read your post and i want you to know that it broke my heart to think you would ever be judged or looked down upon.

      It's actually quite the opposite. Your honesty to talk it out show's your integrity as well as taaa and bonusround. 

      I thought i loved LCB and it's members........but now i know without a shadow of a doubt how much i really do. We are all gamblers, and we all have over extended ourselves at one time or another. But we pick ourselves up and dust ourselves off.

      Thank you taaa for starting this thread. You have helped others to talk about it and seek help and advice or just to have someone listen.

      I hope you all get it straightened out and i admire and respect you all more than you know.

      Lips
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      • last active 4 months ago

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      I have settled my charge back with Tropica today, they reopened my account so that I came in to make a deposit by usemywallet ($25), and I was locked out again, right after the deposit was made  they problly afraid I might use Echeck to deposit again or something if they let me have my acct back.  Tropica might have couple thousands of my total deposits, and they are afraid of me now cuz I just had a $25 charge back.  I totally understand, No casino likes to have charge back, and it was completely my fault to let it happen. 
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        Mighty! Member
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      I want to extend Lips post.. you all are loved and in no way looked down upon.. none of you are alone, these things happen to the best of us, this is no way as helwin says to offend anyone, this is my story and my nightmare.. i've done it, had it happen, been there with the man who took the money and the insides of my house too.. it was a complete nightmare, my bank account and creditcards were screwed with pendings to casinos.. some my own fault.. the ol' "borrow from peter to pay paul" i've even had in effect, many things i did.. you'd think i was a fien.. the rush to the bank to cover my check.. gambling and online casinos, i've done signature loans up the ying yang, in debt above and beyond.. casinos sent me creditcards with 500.00 limits..aye!  (this wasn't all at once, different occasions i'm a repeat offender lol) i thought i would NEVER wake up from this nitemare.. (online casinos are more of a temptation for me even living in here in Vegas) i myself have done so many crazy and stupid things.. and some of not even my fault..

      BUT i will tell you.. i got out of it and i'm okay and YOU all will be too.. i'm in good standing and currently no problems, the fees whooped my butt.. and this all taught me a lesson.. and luckily i have never had a casino chargeback because i had protection kind of like what taaa stated he did (what this does is pay them but still will charge you overdraft fee) you still have to put the money in the bank

      bonusround gives good advice it's exactly what i did, i spoke to the all and it was worked out, beleive it or not they are understanding, as understanding as we ourselves are to each other.. and i will say this.. i pray it all never happens again to me, that i'm not rushing to the bank to cover my ass.. BUT i wouldn't be honest if say it won't because it could.. very easy thing to do and so tempting (sometimes when you are gambling you don't even realize how much you have spent/deposited and thats happened to me causing alot of problems)

      helwin, talk to them if you know it's going to happen it really helps, and yes they will work with you..

      taaa.. good for you, and thanks for starting the thread.. but those feees aaaaarrggggggg

      bonusround, you're great, i'm sorry about your man doing what he did (i've been there)i'm happy for you that at least this part of it is working out (little by little) and i'm glad you are here with the story..

      to keep myself in order, i stay on a budget i set myself an account in the bank for an amount to spend just for gambling.. i stick to it, so far it works, i admit ive gone over.. but i get so scared and nervous when i do..it keeps me inline.. but happy
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        Super Hero
        1737
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      I sent out 3 e-mails, one to Echeckus and 2 to casinos. One of them I have covered once I get to the bank. My ride is coming. I was gonna get the rest tonight, but our renters can't pay till tomorrow, husband tells me to wait. If I wait till tomorrow, it could mean $170 extra, or $136 if they take care of the first one. I heard back from Echeckus, they thought I was asking them to hold transaction back. I wasn't, and don't expect them to. They told me that I would have to work it out with casino and couldn't use Echeckus until all clear. I wrote them back and asked who I request the closing of my account with them. They replied with a phone number to call when I'm ready for security and said anytime I wanted back on, I could. I don't really need to hear that part, but they have always been very nice to me. I have yet to hear from 2 casinos, but I guess too early. If I pray maybe there will be an extra day, but I really doubt it, just gotta be as ready as I can. Thank you everyone. Your words are all so soothing to me right now. I don't know what I would have done without you.
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      Geez I'm going through the same thing with slotocash and always Vegas. The sad part is the over draft fees are as much as the echeck that were returned so now It's like losing twice as much. And I was playing a free chip at slotocash when my account got locked and I'm fairly sure I had made play through and was on my way to making enough to cover my losses from last week,  now I don't know that even if I will ever get to finish that play.
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        Super Hero
        1737
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       Good news! It's a miracle, but the checks are covered. I just hope I don't regret opening my big mouth. I have written everyone back, told them of the news. And soon as I see they have gotten their money, I will make that call to cancel Echeckus. This sure woke me up. I apologized to the casinos for the fuss, hope they understand. On one I had the e-mail wrong, so they didn't get it, but I forwarded it to them. I am thankful I didn't I didn't deposit a 6th deposit, just because I could in a 24 hour period. Thank you all so much, and good luck to your withdrawals, just have to be patient. I had a sportsbook chargeback on me a while back after it was deposited for along time in my account. It took them forever, but I finally got it back, plus more.

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