My question involves a consumer law issue in the State of: California/Online
Backstory:
I reported fraudulent charges to my bank in October 2015 that were from an online gambling casino. I DID gamble at this online casino, but the total number of charges was more than I had authorized. The total fraudulent charges reported were around $700. I haven't told them that these charges are for an online gambling casino. I gambled with one Visa Debit card, and when I noticed excess charges from unknown merchants (the amounts charged were NOT amounts I had authorized with the casino), I closed out that card and got a new one. I used the new one to gamble at the casino, and then almost immediately got more unauthorized charges on that card. At this point I closed the new card and got yet another card.. I have not gambled online since. This was truly my first and last time, and this occurred within a 2 1/2 week period.
When I looked at the merchant description of the fraudulent charges, they were all names/descriptions I'd never seen before. Some of them did list a phone number (usually international) and some of them did not. I tried calling a couple of the ones that did have numbers, and one of them (with an 877 area code, US number) went straight to a message machine with a human (not automated) voice, which seems strange for an 877 number, and another one I called that had an international number said "welcome to customer services support" and actually seemed legit.
Today, the fraud specialist from my bank called me and said they were going to call the merchant and if they were able to get a hold of them, they then planned on doing a 3-way conference call with me..?, and if they couldn't be reached, they wanted me to file a police report so they can subpoena the records from the merchant. Now I'm scared that I could get in trouble for online gambling, even though the charges that I did report were legitimately unauthorized... I did not request chargebacks for the amounts that I knowingly authorized for gambling.
One caveat: I did send the online casino a photo copy of my my two Visa Debit cards, which was apparently a requirement to gamble and withdraw any winnings (I never ended up requesting any winnings I had, which weren't much at all anyway; I wanted to cut myself off completely from this casino).
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My questions:
-Will an online casino admit to the bank that they are an online gambling casino?
-If the bank finds out that I DID gamble at an online casino, what are the repercussions for me, if any?
-Will they deny my request for a chargeback if they know it was for online gambling, even though the specific charges I reported weren't authorized?
-Could they press charges/report/take any sort of negative action against me?
-What if I ask them to drop the fraudulent charges? Would that just make things worse and create more suspicion? I'm not thinking of dropping the charges because I'm lying; I'm considering dropping the charges because I honestly don't want to deal with the hassle and possibility of legal/court/financial problems.
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SUMMARY
I do not feel comfortable filling out a police report and having them subpoena records, especially because I was not forthcoming with the fact that I suspected these charges were from an online casino. I realize it was a huge mistake to gamble online, and it's one that I won't make again... LESSON LEARNED. But, my main fear is that if the bank finds out that it was for online gambling, they won't believe the fact that I did not authorize all charges and I will end up getting screwed even more so than I have already been.
I would truly appreciate any professional legal advice or hear from anyone that has been in a similar situation that may be able to shed some light for me on possible outcomes. If you reply to this thread solely to pass judgement, call me names, or just act like a troll in general, your posts will be ignored, so don't waste your time. Those who post with actual constructive feedback/advice, I thank you in advance and truly appreciate you taking the time to reply!!!

