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lckyldy777s

Dispute charges on debit card for online gaming

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I need to know how to dispute charges on my  MasterCard debit card, from online casinos. They show up on my statement from a fake company with a different amount than what should be. I have never done buissness or received anything from these third party companies.  I was told that because of the act in 2006, it is illegial for the overseas casinos to charge a bank for online gambling.  Ok, here is the deal. I have gambled in the past, so I have some of these charges on my statements from previous months. I want to chargeback the charges for this month only. I have never done this before, and will not be doing this again.  How many disputes can I request at 1 time? (I need to chargeback about 20 of them).  What do I tell the bank (direct express mc through Comericia Bank)? I don't want to get into any trouble with the bank.  I have a problem, and am now getting help for gambling. After I charge back the casinos, I will be blacklisted from all of them. That is what I want to happen. 

Please don't judge me. I have beaten myself up more than anyone else could possibly do. I just need some advice, Thank you so much.

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They show up on my statement from a fake company with a different amount than what should be. I have never done buissness or received anything from these third party companies. . . .  I have gambled in the past, so I have some of these charges on my statements from previous months. I want to chargeback the charges for this month only. I have never done this before, and will not be doing this again.

 

Your statements are very inconsistent.  First you say that you've never done business with these companies, but then you admit to gambling in the past.  Also, your statement that the amounts are "different . . . than what [they] should be" suggests that you're only disputing the amounts but not the charges themselves.  You then say you "have never done this before," which obviously contradicts your other statements.  Then you say you "will not be doing this again."  Obviously, you can only do it again if you have done it before, but you said you "have never done this before."

 

 

 

I need to know how to dispute charges on my . . . debit card

 

You need to read your account statement, your account agreement, and any other agreement applicable to your debit card.  The process for disputing charges will be outlined in one or more of those documents.

 

 

 

What do I tell the bank. . . ?

 

The truth.  If you think the charges are fake, then that's what you tell the bank.  If the charges are legit but in the wrong amount(s), then that's what you tell the bank.  If the charges are legit and in the correct amounts but you think you're entitled to have them reversed because they relate to illegal gambling, then that's what you tell the bank.  As noted above, you'll want to make sure your story is not internally inconsistent.

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You dispute a card charge by contacting your card company and disputing it. It is just that simple. If you can connect to your card account online, you can usually send a message. This is good. Then you have it in writing. Having it in writing is good.

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Under a federal law known as the Fair Credit Billing Act (FCBA), in order to preserve your rights you must dispute any incorrect charges on your credit card bill in writing within 60 days from when you received the bill. Use the address on the bill for billing disputes, not the address for payments. You'll need to explain clearly what the errors are, and has pg1067 noted, you should only state the truth. If you know the charge was legitimate but dispute the amount, then explain what amount is in dispute and why. See the Federal Trade Commission page on disputing credit card charges for more information. 

 

You won’t avoid paying for those charges that are legitimate. If you made the bets and incurred the charges, the bank is going to be able to pursue you for that.

 

Note that online gambling is illegal under federal law. You risk more than just losing money by engaging in this activity.

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Note that the card at issue is a debit card, not a credit card, and I believe (but am not certain) that the rules relating to debit cards are different.

 

You’re right, I misread the post. Unfortunately with debit cards there is far less protection. The FCBA doesn't cover ordinary debit cards because the they are not an extension of credit; instead, the purchase amounts are simply deducted from funds in the bank account. 

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