Online poker - Chargeback scenario

Question

Hello, I am looking for some guidance in terms of how to go about my current situation.

Long story short, I made deposits and withdrawals to numerous (illegal) poker sites. All in all, I was down roughly 1,000. However, I no longer have access to one of my accounts which had about $4,000 in it which was wrongfully deactivated by the poker room. Not to mention I recognized a couple random charges that seem to be COMPLETELY fraudulent.

Anyways, my only way to proceed in my mind is to chargeback the two cards I used to make the deposits in the first place. I have numerous questions:

How long should I go back in terms of the chargebacks? (First deposit was made 10-25-2016, last deposit made 7-21-2017... On 1 debt card and 1 credit card)

What should be my explanation be to my bank/CC company? (Should I admit to a few charges, but chargeback the remainder? Should I just deny the amount of the charges, The corresponding merchant, etc.? )

I am really confused about how to proceed. Obviously, something needs to be done. But with all of the grey area in terms of the law associated with online casinos, credit cards it makes it very difficult for me to recoup MY MONEY! Last thing to give some context I made about 85 deposits that came from about 20 different billing descriptors.

Any help would be greatly appreciated

Hangry11 · Answer

Hello, I am looking for some guidance in terms of how to go about my current situation.

Long story short, I made deposits and withdrawals to numerous (illegal) poker sites. All in all, I was down roughly 1,000. However, I no longer have access to one of my accounts which had about $4,000 in it which was wrongfully deactivated by the poker room. Not to mention I recognized a couple random charges that seem to be COMPLETELY fraudulent.

Anyways, my only way to proceed in my mind is to chargeback the two cards I used to make the deposits in the first place. I have numerous questions:

How long should I go back in terms of the chargebacks? (First deposit was made 10-25-2016, last deposit made 7-21-2017... On 1 debt card and 1 credit card)

What should be my explanation be to my bank/CC company? (Should I admit to a few charges, but chargeback the remainder? Should I just deny the amount of the charges, The corresponding merchant, etc.? )

I am really confused about how to proceed. Obviously, something needs to be done. But with all of the grey area in terms of the law associated with online casinos, credit cards it makes it very difficult for me to recoup MY MONEY! Last thing to give some context I made about 85 deposits that came from about 20 different billing descriptors.

Any help would be greatly appreciated

StumpTownStu · Answer

Chalk it up to a loss. A small price to pay to avoid the bank, and subsequently law enforcement, crawling up your @ss. You&#x27;ve got charges going back almost a year. Is the bank suppose to believe you just now realized that you had fraudulent charges?

thorpe · Answer

What reason did the poker room give for taking your 4000? Where were the "completely fraudulent" charges made?

I don't know if you have a legitimate beef with the poker room, or if you are a sore loser, but there are so many sore losers out there trying to recoup their losses that will make it tough for you if you have a legit beef.

The poker room will say you made these charges dating back a year. All the charges went into your account and originated from your computer. How can there be fraud?

Hangry11 · Answer

Poker Rooms response was that I was linked to multiple accounts which is not true. They only way I can see this is if somebody used my card on another account which would explain the couple small charges that were not from me (totaling $75 from the same merchant)

It is actually an unusual circumstance because I played at one room (dating back 10 months) with no issues. I am not intending to chargeback those transactions. then I deposited to another room (different billing descriptors from prior room) about 45 days ago, which is where I've had all these issues. The total charges were a little over $1,000.

So my thought was, if I just. Chargeback this fraudulent site, will I be heavily questioned on the previous transactions that reflect similar spending patterns.

Thanks for all your help.

666LES · Answer

I did a chargeback once due to a fraudulent action by the agent and the only matter that was discussed was the actions of this agent.Even if you did 50 charges to similar agents or the same agent the baring of those charges have nothing to do with this one.If I were questioned about these other charges,I would respond that there is no malice involved with these charges.The Poker Room charge and your response "My dog charged the accounts and ate the receipts" is alittle sketchy.

Hangry11 · Answer

Thanks for the response 666. I don&#x27;t quite get what your suggesting on your the last sentence of your post. Could you elaborate?

Online poker - Chargeback scenario

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