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  1. #1
    Join Date
    May 2019
    Posts
    3

    Default How Can You Dispute Online Gambling Transactions

    My question involves collection proceedings in the State of: California

    I admitted that I have Slots-addicted. Gambling problem.
    After I lost everything. I realized it is time for me to get back before too late. In order to gain back control I need to clear my path. So I decided to dispute the online casino transaction
    Started with American Express Serve ( the total amount of $4900- 91 transactions)
    In April 9th.
    I first contact with Amex account services to file dispute. Instead of doing all at once, I began with 25 transactions with total over $1,600. During the process I mentioned the merchants showed up on my account are unfamiliar and they are not the one that I associated with. My documents ( declaration of Fraud) that I sent in have been denied 3 times. Yet the investigation still on going.
    April 23rd, I called them to ask about the process, but this time. I pointed straight that those are the online gambling transactions.
    And claimed that the transactions supposed to bill under casino transaction so I can file Win/Loss on year tax, but they were not, it showed up on my account is somewhat online stores from China selling beauty & nails stuff that I never ever interested in not to mention I have no favor when it comes to china made.....
    According to the account holder agreement, if the investigation is continued. The Amex Serve will provision credit back to my accounts. Therefore, in April 29, out of $1600 the Amex Serve provision credit back to my account $10.89!
    And claimed that because my documents are rejected. So it took them another 45 days to finish the investigation!
    (My docs are clear and specific details however they told me they got the docs Blank with no images twice)
    I'm seeking advice for what to do with this kind of */***** finance institution.
    When I'm honest with them, and their act is the same as those fraudulent merchants. Despite they charged me like $90 per month for those transactions. I also mention that I dont need the fee back, Im targeting in those merchants not them.

  2. #2
    Join Date
    Sep 2010
    Posts
    19,000

    Default Re: Dispute Online Gambling Transactions. Seeking Legal Advice

    So why do you think it's OK to defraud AMEX because you have a gambling problem? You're making your gambling issue into a criminal issue. You need to stop committing crimes and get professional help for your psychological problems.

  3. #3
    Join Date
    May 2019
    Posts
    3

    Default Re: Dispute Online Gambling Transactions. Seeking Legal Advice

    That was the bad.
    Here comes the ugly
    The walmart money card ( Master Card)
    The total of $2,259 out of 65 transactions from Feb 25-April 19.
    April 5
    I first started with $680 dispute.
    In the documents I sent in Includes some of the email receipts from casinos. They showing different than the one that posted on the statement. After 7 days. They provision me back $540 and $203 returned from the casino ( they returned on a different card- same Company- GREEN DOT BANK).
    Then on April 19 I go ahead and started to dispute the rest of $2,259
    However, Today I got a letter from Walmart moneycard. That my 1st dispute is declined and it was a correct transactions.
    I called the dispute department and asked the agent the details. She told me the merchants showed percisely evidence ( that I actually purchased beauty stuff and nails stuff from them) I asked her
    " did you know that last time I mentioned those charge are from the offshore casinos"
    And if " I happened purchased those items from that fake online stores. Where is the tracking numbers and when did I received those" she keep confirmed that the investigator when contacted the merchants and they showed the receipts.
    So I told her it is illegal for a finance institution to approve those vendors used by offshore casinos because its a money laundrying activities. And you have to be very careful. She kept insists that they were legitimate
    In this point, what should I do. Because I have a greendot card needs to be dispute ($700) the chime bank ( $560) and they all under the same company
    Green dot bank.
    I wonder if the Indian accent bank is related with these online casinos, if not why they kept protected those merchants yet their favorite customer ( they charge like $100+ each month/card)
    * so at this point, where could I go to report those offshore merchants, where could I filed a pursuit against green dot bank for taking these merchants illegally. And denied my legitimate dispute.
    Thank you so much. Every opinion, every comment will be very helpful to me.
    I quit gambling. I just need to clear it path.


    Recover-Sober-addiction-let it burn

    Under the law Im no criminal. Only the Judge could determined Im guilty or not. What are you?

    flyingron: Under the law Im no criminal. Only the Judge could determined Im guilty or not. What are you?
    FlyinhJudge?

  4. #4
    Join Date
    Sep 2010
    Posts
    19,000

    Default Re: Dispute Online Gambling Transactions. Seeking Legal Advice

    Eh? Not judging, but I can't recommend that you commit crimes in order to ameliorate your gambling problems.
    Nor can we give out advice here on how to commit crimes. That in itself is criminal.
    I'm not sure what you expect of us.

  5. #5
    Join Date
    Jan 2006
    Posts
    38,532

    Default Re: Dispute Online Gambling Transactions. Seeking Legal Advice

    If the charges are valid and your only issue is the name of the company is not what you expect, or truthfully, what you want it to be, claiming the charges are fraudulent is fraud on your part. Yes, that is criminal.

    You did authorize the charges in question (from what I garnered from lightly reading your posts). That means they are not fraudulent. If you believe the bank is not complying with the laws in place, sue the bank.


    Your real real problem isn’t the bank. It is you and you attempting to demand the bank repay you for your gambling losses. I suggest you go to gamblers anonymous and let them explain how trying to blame others for problems you caused is not healthy and a sign you will fail in your attempts to stop gambling. Only when you accept your own actions have placed you in the position you are in will you truly be headed down the path of recovery.

  6. #6
    Join Date
    Sep 2010
    Posts
    19,000

    Default Re: Dispute Online Gambling Transactions. Seeking Legal Advice

    GA is a start, but twelve step is entirely spurious in long term outcome. You need professional help.

  7. #7
    Join Date
    Jan 2006
    Posts
    38,532

    Default Re: Dispute Online Gambling Transactions. Seeking Legal Advice

    Quote Quoting flyingron
    View Post
    GA is a start, but twelve step is entirely spurious in long term outcome. You need professional help.
    I’ve known people who have stopped various addictions with no assistance and people who have had no help beyond XXXXXX anonymous.


    quitting is a matter of one’s own desire to do so. Whether they can achieve the desired cessation through their own strength of will or through a program such as XXXXXX anonymous or some greater level of treatment will depend on the individual. If one doesn’t have a true desire to stop, nothing, including professional help will succeed.


    But if you read my post you will notice I mentioned going to GA for one reason: to be told that blaming others for your condition and circumstances is a sign of failure of one’s intent of ceasing the undesirable behavior. Of course I could tell the op the same thing but the GA group is more likely to be seen as authoritative.

  8. #8
    Join Date
    Oct 2014
    Posts
    7,204

    Default Re: Dispute Online Gambling Transactions. Seeking Legal Advice

    The basic problem here is that you did authorize the charges for your gambling. So why should the financial institutions reverse the charges you made when the charges are legitimate? Sure, you have a gambling problem, but that is YOUR problem, not the problem of the financial institutions or the off-shore gaming sites you used.

  9. #9
    Join Date
    May 2019
    Posts
    3

    Default Re: Dispute Online Gambling Transactions. Seeking Legal Advice

    Well If you go to walmart and buy a TV for your personal used and later on it showed on your transaction you bought 20 case of beer. Is it legitimate. Simple as that.
    I bet all of you never or ever even looking at the 2006 UIGEA ( UPDATED 2009- 2011.)
    THANKS FOR THE ADVICE BUT NOTHANKS. AND RON you not represent for the whole forum so don't use the the term " us"
    Btw are you from law school or CPA institution? I wondering

  10. #10
    Join Date
    Jan 2006
    Posts
    38,532

    Default Re: Dispute Online Gambling Transactions. Seeking Legal Advice

    Since you believe you already have al of the answers, why are you here asking questions? If you already know all of the answers, why don’t you have your money back?


    Well If you go to walmart and buy a TV for your personal used and later on it showed on your transaction you bought 20 case of beer. Is it legitimate.

    legitmate for what purpose? The misstatement doesn’t mean you didn’t wilingly and intentionally spend the money shown on the receipt.

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