There's valuable hidden protection on Visa, Mastercard and Amex credit cards, as well as debit and charge cards. It's called 'chargeback' and means if you don't receive the goods you bought, you may be able to get your money back. This little-known scheme's taken on much more importance this year.
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Charging back online casino transactions is unethical!
| Author | Message |
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Charging back online casino transactions is unethical! I've heard from a few friends of mine that they've racked up large credit card debt due to playing at online casinos and what they did to handle this seemed very unethical to me. They told me that after the racked up this debt on their credit cards they'd call the credit card companies and request that these charges be reversed. They said that they managed to succeed in several cases. If you for example were to buy something keep the item that you purchased and then call the credit card company and told them that you didn't buy that item it would be considered stealing. I think that the same thing applies here... The idea that you can charge as much as you wanted on your credit card and then reverse it seems wrong and nothing short of theft. Anyways I told this to my friends and they didn't really acknowledge the idea that it's considered theft... What do people here thing about this? | |
| Thu Jun 18, 2009 10:03 am | |
Re: Charging back online casino transactions is unethical! Charging back or reversing credit card transactions as related to online casinos has become a lot more difficult. Not only is it unethical but it can certainly lead to a lot of issues which I'll outline before. Working in the baking industry myself I know what some of these repercussions are both from the standpoint of the credit card companies, the banks and the casinos. 1.) If you charge back and you have a history of making credit card transactions that are related to gaming it's very unlikely that the bank will actually reverse the transaction. 2.) If you do charge back and are able to do so successfully (again very difficult to do these days) then you'll be listed as a higher risk user to the credit card companies. 3.) Casinos will definitely 100% blacklist you at the casino if you charge back and if you're luck and only if you're lucky you'd still be able to play at the casino but only by using deposit methods that are of '0' risk to the casino in terms of chargebacks. 4.) If you chargeback successfully there's a good chance that you'll be blacklisted on the entire casino software providers network. For example if you charge back at a Microgaming casino since they all share a negative database of users who have issued chargebacks in the past this information could be used to ban you globally across all Microgaming casino brands. There are several other reasons why you wouldn't want to charge back but these are merely to hightlight a few key points as to why I don't think it's a good idea to do so! | |
| Thu Jun 18, 2009 10:17 am | |
Re: Charging back online casino transactions is unethical! Yeah speaking as someone with expereince whatever you do don't charge back it's not worth the headaches and hassles that it brings with it. The only time a charge back is worth committing is when the charge that has come though on your credit card genuinely isn't yours to begin with. Seriously don't do it if you can avoid it... | |
| Thu Jun 18, 2009 11:53 am | |
Re: Charging back online casino transactions is unethical! Thanks everyone for your replies to my questions it's greatly appreciated... I've always felt like it wasn't worth it the whole charegback thing nor did I ever intend on issuing a chargeback myself I was merely more curious to know what people though of this situation. I definitely think it's wrong nor will I ever take such action unless the transactions I find on my credit card are genuinely fraudulent and charges that I never made to being with. | |
| Fri Jun 19, 2009 9:46 pm | |
Re: Charging back online casino transactions is unethical! What the heck does a fax back form do for the casino. It's not like they can send that to a US bank. A cc user can't legally authorize a casino to deduct from their account because of the UIGEA, nor can they authorize the casino to mask the charges as merchandise purchases - that is money laundering. So what does this form really provide for the casino? | |
| Sun Oct 18, 2009 7:47 am | |
Re: Charging back online casino transactions is unethical! Well my personal view on it is that it's more of a scare tactic. You are correct for transactions that are processed though the casino where they are being processed uncoded (ie. where 7995 is being bypassed) online casinos have no recourse. However the laws pertaining to the UIGEA are fairly ambiguous and because of that there are still several banks in the US that are not blocking 7995 coded online gambling related transactions. For those transactions that are processed legitimately though banks in the United States they do have recourse though the fax back form. I suppose the problem with charging back is that you never really know if the transaction is one that can be deemed legitimate or an uncoded transaction. Still my views are in line with those discussed herein. I don't think it's ethical to charge back transactions for money you did really spend. Especially when there's a chance it can come back around and bite you in the ass. | |
| Sun Oct 18, 2009 8:29 am | |
Re: Charging back online casino transactions is unethical! So a copy of someones id and credit card, really won't help the casino either if the transactions are coded wrong. | |
| Mon Oct 19, 2009 8:54 am | |
Re: Charging back online casino transactions is unethical! Yes that's correct however with transactions that are properly coded there is recourse for online casinos that can be taken with banks to issue legitimate claims. Since there's no way to tell for certain whether the transaction is coded or not it's really not worth it. Moreover credit card companies do not look fondly on people that charge back credit card transactions. | |
| Tue Oct 20, 2009 6:27 am | |
Re: Charging back online casino transactions is unethical! I agree with what bugatto is saying here in that it's really not worth it. Especially in the long run you're really working against yourself if you make chargebacks on legitimate online casino transactions at online casinos or any other gambling type activities you might involve yourself in online. | |
| Fri Nov 06, 2009 9:50 am | |
Re: Charging back online casino transactions is unethical! What about when the charge back is ligit? I am in the process of claiming in excess of £2000 that was deposited to a online casino from my bank account. I know 100% fact that i never made these transactions and the bank is making feel like a criminal. I have no history of using online or bricks and mortar casinos except for the odd online poker game that has never cost more than $10 or so. Does this mean I will get a bad credit rating? I dnt care about being banned from any casino because I dont use them. Your thoughts would be apreciated. Many thanks | |
| Thu May 27, 2010 11:43 am | |
Re: Charging back online casino transactions is unethical! Its simply as this, don't make other transactions in your account that are not important and irrelevance to your concerns, the point of view of this statement its between your action and the result of the transaction in your account whether its your concern or not. | |
| Tue Jul 27, 2010 1:53 pm | |
Re: Charging back online casino transactions is unethical! It is actually fraud and highly illegal because you are claiming that someone else has stolen your details and make those transactions without your approval. Its a risky solution which could get you into even bigger problems. Aaron www.highstack.co.uk | |
| Wed Nov 14, 2012 6:35 am | |
Re: Charging back online casino transactions is unethical! hi i just got in an orrible situation with casinitital, do anybody knows if it is a us legally gambling site. My orrible experienced, the halcool did muck but the gambling addiction desises made it happen. I'v connected from italy my provisory 30days debit visa from BAmerica my account in Florida. Start making a few deposit, but whare strange, without 3dsecure visa pass. By the way y got in the casino net and they started pushing me to dep with promotions and gift, but i whasn't in my totally brain and conceus status. And the pushig activity by casino titan suppoprt, promotions, activityes brought me in a compleat status of illucinazation status. I start playng almost every game, turnament, bonus the feed me in s verey strange way with transactions never get to the end of the legal proces. I'm dualcytizen italian-usa, live in rome italy but have relatives and social security, driverr llicens, US bank accout in florida. .i'm I in the right to ask to dispute by my bank, that did.t stop such illegal end convulsivity deposit, did by me or by6 the sistem don't know how be sure, to ask for a compleat refund of alla the transaction, made illegal by the state where gambling is not allowed, because they used actions of peruising me to play in a very strange and irresponsable way. Can anybody help me, please? Godfrey | |
| Sat May 11, 2013 11:21 pm | |
Re: Charging back online casino transactions is unethical! | |
| Tue Oct 25, 2016 11:02 am | |
Joined: Fri Dec 09, 2016 5:11 pm Posts: 1 | Re: Charging back online casino transactions is unethical! I recently used POSH VIP Casino, Do not use them, or any casino related to them. They are a bunch of scammers. I've used Silver Oak Casino and I believe they are related as well. I've never had a problem with Silver Oak. I'm at this point having to request a reversal because I tried to deposit one day and it gave me a generic error and when chatting I asked what to do. It happened a total of 3 times and I was told the money would not come out of my bank. The next day I go to use my card and I notice I'm down the exact amount of money that I would have been charged had the deposits gone through and then I go online and confirm that the three times it gave me an error and did not post to my account it charged my card. then they tell me its a pre authorization and will fall off even though while on one phone with them and one phone with the bank, the bank told me at the same time this is not an authorization is is a full on charge. I agree its very unethical for a player to charge back something they used but in my case I never got that opportunity. Now I am having to go through my bank to get my money back. Not only has this happened but when I've shown plenty of proof with screenshots from my bank, of course blacking out what is none of their businesses, they say thats not enough. Do not use Posh VIP Casino, they are scammers and I do genuinely hope that Silver Oak is not related to them. |
| Fri Dec 09, 2016 5:17 pm |
| Page 1 of 1 | [ 17 posts ] |
A reader who works in the chargeback section of a major credit card company has just about had enough with people tossing around “chargeback! chargeback!” as the solution to every customer service problem. While it is a great tool, you gotta make sure you use it right. To help you do that, here’s our credit card company insider’s guide to the top 10 reasons why your chargeback will get rejected.
10. LYING
Remember, the merchant does have a chance to rebut these things. If you tell us that you ordered widget A but received widget B but have no proof, and the merchant sends proof that you actually ordered widget B, you’ll probably be getting rebilled!
9. THE CHARGE IS TOO OLD
Please, please check your statement every month. We work within very limited timeframes, and, technically, you are required to notify us of a dispute (in writing! Just calling in doesn’t obligate us to do anything), within 60 days of the statement date the charge appears on. Visa gives some extensions: non-receipt and quality. With quality, you have to show you’ve been working with the merchant consistently to resolve the problem. MasterCard pretty much only gives extensions on non-receipt.
8. NOT GETTING A SECOND OPINION LETTER FOR CHARGEBACKS OVER $100
If you’re disputing the quality of something over $100.00 or so, it pays to get a second opinion letter. Within reason, of course. If you’re disputing the quality of a repair, on the other hand, you pretty much have to have one. These need to be on a merchant’s letterhead and have actual details about your dispute. “Car still broken,” will get you started, but if the merchant sends a rebuttal it’s probably not going to fly.
7. YOU BOUGHT IT IN FRANCE
The lovely consumer protections we enjoy in the U.S. do not follow you across our borders. If you buy something overseas, the burden is on you to return the item and prove it the merchant accepted the return before we can do anything. International quality disputes? Forget it. Strangely enough, this is the one category that MasterCard is better in as it does not differentiate between domestic and foreign merchants.
6. TRYING TO CHARGEBACK A DIRTY HOTEL ROOM AFTER YOU STAYED IN IT
If you go to a hotel and the room is filthy, leave within 20 minutes and get proof of your checkout, if possible. If you stay the night, you accept the room.
5. NO PROOF YOU MADE THE RETURN BY MAIL
When you return something by mail, GET PROOF OF RETURN. This can not be emphasized enough. Tracking numbers work best, return receipts work as well. When you return something you have the same burden of proof to show the merchant gets it back as they do to show you have it in the first place.
4. FORGETTING THE DATE IT HAPPENED
When asked for dates, please provide them and be as specific as possible. It doesn’t have to be exact, but if you called around the middle of the month, April 15, 2009 is better than April 2009, especially since we’re going to have to call you to get a more specific range and do the same thing anyway. “Don’t remember” is not a valid option.
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3. NOT GIVING THE MERCHANT A CHANCE TO FIX THE PROBLEM
Get in touch with them before you get in touch with us. Believe it or not, most merchants are actually on the up and up! If the merchant offers to try to fix whatever problem you have without charging more, you have to give them the chance. If you’re from New York and got your car repaired in Florida, you get back home and the repair isn’t working right, still have to give them a chance.
2. DISPUTING THINGS FOR THE WRONG REASON
It makes things more difficult and makes it more likely that you will lose. Don’t dispute things as “unauthorized” unless you never gave the merchant your credit card number. Don’t dispute things as “non-receipt” if the merchant did do something but you didn’t get the results you wanted.
1. USING MASTERCARD
With Mastercard (MC) the burden of proof lies on you. If you buy something face-to-face, get home and realize that it’s not as described, you’re out of luck entirely as you had a chance to examine the merchandise. Also, with MC it’s entirely up to you to know the merchant’s cancellation/return policy, even if they don’t disclose it. They didn’t tell you that you couldn’t cancel after three days? Too bad. Seriously, just use a Visa. It’s easier for everyone.
(Photo: frankieleon)
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Editor's Note: This article originally appeared on Consumerist.