Help... please guys!!

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    Last post ago almost 6 years by Marcus28
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      • No avatar normal
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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


        thanks
      • 2d4818989f1ca7ccfaccc9b2527a6916
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        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
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        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
      • Archnye
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        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
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        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
      • Archnye
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        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.
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        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
      • Archnye
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        Marcus28 wrote:

        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


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


        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
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        Thanks for this post from:

        • Archnye
        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
      • Archnye
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        Marcus28 wrote:

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


        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!
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        completely.


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

        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
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        That's great news Marcus.  Congrats.

        blue
      • Archnye
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        Yay! Glad it all worked out! I'm gonna enjoy my Stellas 
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        glad it was sorted out

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