Question about Gambling websites with Curaçao license using incorrect Merchant Category code (page 504)

Donbet responded

Thanks for your interaction.

Kindly note that all transactions conducted on our platform are executed in strict adherence to established protocols. The integrity and professionalism of our processes are of paramount importance, and we uphold the highest standards to ensure that all activities are conducted accurately and transparently. This commitment to excellence ensures that every transaction is not only precise but also open to scrutiny, providing a clear and honest record of all operations. 

Please also be informed that, as we utilize third-party payment providers, we do not have control over, nor access to, the specific descriptors that may appear on your transaction statements. These descriptors are the labels or descriptions that appear alongside the transaction amounts on your bank or credit card statements, and they are determined by the payment provider. We recommend contacting them directly should you have any concerns regarding transaction details.

Furthermore, we would like to draw your attention to our "Refund Policy," which clearly states that refunds are not available if the funds in question, including any associated bonuses, have been utilized to access our services. This policy is in place to ensure fairness and consistency, as once the services have been accessed or bonuses used, the resources have been consumed, and reversing the transaction would not be feasible.

Should you have any further questions or require additional clarification, please do not hesitate to reach out. 

We are here to assist you and provide any information you may need to fully understand our processes and policies.

Just be careful because bank maybe close your account.

We are just getting in touch about your retail dispute. 

We’ve noticed that you’ve raised multiple similar disputes in the past. We understand that issues with payments happen, so we've previously raised the disputes on your behalf.

When we see unusual activity like this, we review each claim on a case-by-case basis. If you have this issue again, we may review your account with us, which could result in us closing your account.

If you have any further questions, please get in touch.

That’s what I’m worried about, I’ve never done chargeback before with my bank, I’ve done 4 with coolcs2 but I got a notification from bank that I would need to ring them! 🤷‍♀️🤦‍♀️

That’s what I’m worried about! I’ve never done chargeback with my bank before, I raised 4 although the last 2 I got notified that I would need to ring the bank. I’ve made a spreadsheet with a list of transactions etc all with 3 different merchants (haven’t included coolcs yet)

Honestly, it's not worth wasting your time and energy trying to figure out every loophole in these dodgy casinos. They’re designed to exploit every possible angle and avoid paying out, and they’re still running because of that. The best way to fight back is to focus on the merchants listed on your statements and work on getting a refund through them. That's the real way to hit them where it hurts they can’t avoid chargebacks and the more pressure on them from that, the better.

It is actually in the bank's best interest to process chargebacks. They want to keep their customers happy, and if they handle disputes well, it builds trust and loyalty. Plus, banks are usually required to follow regulations when it comes to chargebacks, so they have to take them seriously. Also, processing chargebacks helps prevent fraud, which is something they’re invested in to protect both you and them. While it can be a bit of a process, they generally want to make sure you’re not stuck with unfair charges. So, if you're facing an issue with a dodgy casino, it’s definitely worth trying to go through the chargeback route but make sure you position it correctly.

Thankyou for the reassurance! I guess I’m worried that too many chargebacks and they will just say no, I have way over 100 but for like £10-£30 per transaction with quite a few merchants, unsure whether to just list all of them together or do it bit by bit

And even if the worst-case scenario happens, and they close your account for multiple chargebacks, it’s not the end of the world. There are plenty of other banks out there that would be happy to have you. So, don’t let that discourage you from taking action.

The amount of people on this forum who have reported these merchants to the banks, yet they still don’t seem to flag them up, is honestly concerning. It’s like the banks aren’t taking these complaints seriously enough, which makes it even more frustrating. These dodgy merchants and casinos continue to get away with it, and it feels like banks could be doing more to protect their customers. That’s why, if you’re facing issues, the chargeback route is still your best option because if enough people take action, it might finally force the issue into the banks attention.

guys tomorrow I will proceed to file a complaint with the postal police because dolly casino did not credit me with two winnings from the Whel spin to win, all documented. I will proceed to chargeback everything. Where can I see the merchants? I have been asking for my bank statement with the deposit methods and card number for two months but they do not send it. I can only view the generic amount and that's it. They do not send it, they are smart. Are these arguments sufficient for a chargeback? I have attached two examples of what I see

Did you use bank transfer? Because it’s top-up transactions what they use

Debit cards

These dodgy casinos are pure scam sites. There's nothing legit about them. They’re designed to trick people into depositing money and then either blocking withdrawals or making it nearly impossible to get your money back. That’s why it’s so important to take action and not let them get away with it. Whether it’s through chargebacks, the bank, getting police involved, the goal is to hit them where it hurts and make it harder for them to keep running their scams. These 'casinos' are part of a large fraud network.

I don't even look at these so-called casinos as casino sites anymor, they’re just false entities. They're no different from a fake website set up to sell tools or products online but never delivering the goods. It’s all part of the same kind of fraud scheme. They create the illusion of a legit business, get people to deposit money, and then find every way to scam them out of it. It's all about exploiting trust and getting away with as much as they can.

I got the exact same email today from freshbet.

Has anyone had a reply or refund from nikotpf? What about Pixeleum?

If you're dealing with multiple transactions from different merchants, it’s better to group them together and raise chargebacks with the merchants directly, instead of trying to handle them across different channels. For example, if you have 20 transactions with 'Joe Bloggs,' it’s more efficient to submit them as one chargeback for all 20 transactions rather than handling each one separately.

I don't know your specific circumstances, but from what I remember, some banks allow you to include more than 30 transactions per chargeback, like Monzo, while others, like Revolut, only allow up to 15. It's worth checking your bank's policy, as this can help you decide how to group your transactions when raising chargebacks.

Yes, I had a similar situation a couple of months ago. Niko-technologies.eu acts as a technical provider for elegro.eu, so it's definitely worth reaching out to both companies first to try and resolve the issue before going down the chargeback route. I did receive refunds, but the bank initially declined the chargeback. However, elegro clearly got the message via the bank and ended up initiating the chargeback themselves regardless. That said, I believe it needs to be done officially through the bank since they don't actually have records of you as a 'client' on their system. Basically the bank should relay your dispute onto elegro regardless, as long as you contacted elegro first and they are aware of the circumstance, they will refund.

Thankyou, I’ve contacted multiple merchants already, a couple have refunded, but others are not responding.i bank with Lloyds so I will check out their policy on chargebacks . I was going to just email them with spread sheet of all transactions to dispute

I did see something on this forum where someone cross-challenged multiple different merchants into one chargeback. But I’m guessing that makes things a lot more complicated for the bank. I think if you keep it straightforward and stick to one merchant per chargeback (with all associated transactions), it might make the process smoother and increase the chances of success.