Help... please guys!!

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Last post made 12 years ago by Marcus28
Marcus28
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  • Marcus28
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  • hey guys just wondering about something.

    Recently I had some nice win.

    Before I started ill go into a bit of detail. I like here with my nan who has a card exactly like mine. Same bank, same account type, same everything. Whats more is she has the same initial she is refered to... so if im "MR M Banks" shes "MRS M Banks".

    1 of my cards was broken ages ago. I had however written down the card details (number, expiry date and the cv2 code). Equally my nan has been buying stuff on the phone so again has all her details written down on another bit of paper (since she finds it had to see the numbers on her card she wrote all details down on paper so she can buy something quickly)

    The cut it short when I started depositing at a certain casino early last month I found a scrap of paper with a card number on. I registered it "M Banks" made deposits and cashed out money. I split the money between that account and another bank account I have the card for (this way I can use the money in the account I dont have the card for to other deposits and withdraw cash using the card I do have).

    Anyways recently I deposited again, won a stack more and went to cashout.

    I was asked for verification documents, sent in birth cert and other bits. Then was asked for scans of my card... I dont have my card so couldnt.

    I then said I would send a copy of the statement with the transactions on.

    I found a statement in the pile of letters which showed casino transactions and sent a picture of it to them.


    It was only the other day I spoke with my nan who mentioned she had suspiscious transactions on her account and had reported it to the bank for a fraud investigation.

    I then realised what happened. I had been using her card number, and then looked at the statement I sent a copy of.... it was hers.

    I seriously dunno what to do. I explained to her what the deposits were from and told her about the mistake. She understood and said it was easily done and has given me full approval.

    We phoned the banks fraud department to tell them and they said the investigation was ongoing but they expect when they see the transactions are from an account registered at the same address it will be fine.

    I have also informed the casino about this....


    Seriously dont know what to do or what could happen sad


    thanks

  • I think you will be just fine, it's not fraud after all. If the bank says that everything is going to be sorted out I think that the casino will be adopting the same approach. So don't worry smiley

  • phew i hope so. The casino do of course now know what mistake I made and im sure that when the bank see that the account used to make the deposit is the same as the registered address of the card then maybe they will drop the fraud thing? (since its hardly someone 10000 miles away using her card to buy something).

    its a complete worry but potentially I have come clean about everything, the moment i realized the casino and my nan were informed.

    Been having a sleepless night over it


    Its an MG casino BTW so I dunno if they adopt a policy where this voids winnings, although its a different circumstance where I didnt knowingly use someone elses card and they even paid out onto it a few weeks ago

  • Hi Marcus,

    As long as she has withdrawn the fraud claim with the bank there should be no issues there. I can see your dilemma if the bank has already sent chargebacks to the casino. If they haven't you should get through this smoothly. If the casino has received chargebacks, I hope they will be understanding. The bank should notify the casino or processor that the claim has been withdrawn.

    Good luck to you

  • Thanks,

    regarding the fraud claim, the problem was on the phone they didnt take any proper details so couldnt of seen the account. All they said was "her new card will be in the post next week (considering when I told them she reported it the other day), and if the transactions were genuinely made then the fraud detection process will detect this and close the case automatically".

    The overall deposits I think must of totalled £1000 but £700 was paid back just after her statement came through and the remainder (+£300 more) is still pending for her account.

    The last contact from the email before I told them what had happened was them saying that they needed to see a statement showing my name, address, account number, and casino transactions... (since the statement I sent before didnt have a name or account number on as it was page 2 of transactions thus I gathered it was mine).

    Im praying the casino can see the mistake and dont punish me for it, would be more than happy to print out a page of the transactions, get my nan to sign it and then send to them since until recently I believed that I was playing with my cash

  • As long as you can provide them with details you should be safe. The way cards are lost, expired and replaced these days I'm sure they've seen their fair share of boo boos. I've got my fingers crossed.

  • Thanks, yea I do hope so, If they process my withdraw after and I get paid then there will be beers all round for everyone here cheesy


  • Thanks, yea I do hope so, If they process my withdraw after and I get paid then there will be beers all round for everyone here cheesy


    I'll take a Stella Artois  wink
  • haha, the new 4% 1? or the full flavor? cheesy


    Im hoping its 1 step closer tonight. I emailed renee (rep) explaining every tiny detail, offered to print out all transactions on that card and get my nan to sign them (like you would for a rival casino).

    The only skeptical things now are regarding what the bank do (again im hoping they see the transactions were made from an account with the same address as the address the card is registered to) and casinos general approach to using someone elses card (even though this is unique and not intentional)


    Nerve racking moments when I see I have 1 new mail in case its them tongue

  • Hang in there marcus and i think it will all work out for you. If anyone knows the cc industry it's our froggy. She is an expert in this field and if she is confident then i would be too!

    In fact i think maybe you should crack a beer right now and start celebrating early!!

    Lips

  • haha, the new 4% 1? or the full flavor? cheesy


    Full flavor for sure!

    It's very odd to me that the bank would want to see where the transactions came from and verify address etc. If the card holder (your nan) has already explained that they are OK, what's the problem? If a customer verified authorizing a charge I would drop the claim. Why pursue it? That's what's unclear about your situation.

    Either way, fingers still crossed!
  • completely.


    Wahooo all is sorted.... 2 stellas for froggy, and beers for the rest cheesy.

    Got in touch with rep who got in touch with risk management who asked for a copy of my nans driving licence/passport, card scans (not possible but sent in statements) and signed paper cheesy

  • That's great news Marcus.  Congrats.

    blue

  • Yay! Glad it all worked out! I'm gonna enjoy my Stellas  thumbs_up

  • glad it was sorted out

  • Thanks everyone cheesy, thanks for the help as well.

    Dang I just hate the way this casino is located in NZ, when the main payments department and other higher up areas are online and replying to me im alseep, and when im awake theyre asleep sad.

    still, relief all round, only thing now is regarding the bank, but im guessing that before considering a chargeback they would have to ask and say that is action they can take? (and investigate first so by time they did that they would realise the address's are the same)

  • How long ago did she report the transactions as fraud? Did she get a credit on her bank account? The bank can't really investigate a transaction like this. They would generally submit a chargeback and the casino would come back at them with the details like name, address etc. of the player making the deposit. It's possible that you notified the bank in time before a chargeback was submitted. If not, no worries. The casino will reject the chargeback and it will all be settled.

    A chargeback is a back and forth process. At this early stage it can still be rectified.  wink

  • ahh gotcha, it was something like last saturday, obviously banks dont work weekends so nothing would of been checked til monday.

    When the bank were notified things were ok they didnt take any account details (spoke over phone) so havent logged it on her account as such (they just said that if they find the transactions to be legitimate the case with be closed automatically)

    Seemingly now the casino has all the details and agreements of the transactions so from what you say even when the bank investigate the casino has the info to prove the transactions were agreed to and the case will be dismissed? (with a letter being sent in the post from the bank to confirm its a closed case.... if that)


  • Seemingly now the casino has all the details and agreements of the transactions so from what you say even when the bank investigate the casino has the info to prove the transactions were agreed to and the case will be dismissed? (with a letter being sent in the post from the bank to confirm its a closed case.... if that)


    Yep, that's pretty much it.
  • I think this is the party thread then..........drinks all around on Marcus!!

    party party party party party

    Lips
  • wahoo yea cheesy, all approved today as well and....

    Once again I was credited with a "high roller" bonus ($20 this time). Seems they dont want me to go.

    Spreading the luck to all and long may the party continue *cheers* *raises 4th pint of stella*

  • Aww Marcus I'm so happy this is a happy ending for you. I did have a Stella at bingo yesterday in your honor  wink

  • thanks,

    yay, hope it was extra tasty and bought you the extra luck at bingo

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