Question about Gambling websites with Curaçao license using incorrect Merchant Category code (page 239)

Yeah they didnt even respond. 😊

Will be interesting to follow!

Hi can anyone help with CSSPO please and thank you

I raised the complaint back in June 26th with my bank they initially refused it as fraud but said would raise as chargeback this was on the 19th july .I had to make numerous phone calls to bank and raise numerous complaints ,on Oct the 4th I spoke to an advisor who told me claim.was closed when I told her it was not as it was showing still active on my app she said she would find out and call me back .that afternoon she called me back and said no its definitely closed .I asked her if that was the case why have I not received any letter with proof from.merchants ect and their findings and requested a sars .she apologised and said there was nothing else they could do .I was only off the phone for 5 minutes and a email came through saying case was still under investigation .so I phoned back spoke to another man who didn't have a clue what was going on he put me through to another woman and I told her the ref numbers ect ect and that case clearly says its still open she says to me no it's definitely closed someone keeps trying to open up a fraud case but it will keep getting rejected .when I asked why it's been treated as fraud and not chargeback as I have not bought anything from these merchants and I was told by the 1st investor he had closed it as fraud and was raising as chargebacks she could not answer .She said someone would be intouch. On the 16th I received a phone call from a guy who said he was the investor looking into the fraud and was asking me so many personal questions and I mean personal I have some serious health issues and my state of mind .he literally had me in tears .I told him.that an advisor had already said the case was closed so what was he investigating .he said he would call back on the Tues with final decision.On the tue he called and said what I already knew claim rejected as I had previously been made aware .but he gave me the excuse you made the transactions and you have used that ip address to log into online banking so I sent forms and proof of goods not received gambiling and international blocks on my account .emails from merchants asking me to send photo ID with me holding it and admitting to fraudulent activity I even gave the details where these offices where based and name of person running these companies. I felt physically sick .not only did they break the 8 week rule to actually 17 weeks to solve the dispute the initial letter to say they can not do it as fraud had a ip address on it .well I thought this was odd as my ip address runs through a data center hundreds of miles away and also I logged into my router and all my devices are allocated to a different ip address so I gooled the ip address that was given and it turns out to be a buissness network provider for financial services how about that SMH ..I received my final response letter to and it just says we have investigated the scam and decided not to refund the money no information on merchants ect .I thought chargebacks they give the money and the merchants dispute it.I honestly think they had no intentions of investigating as by my app the case was actually closed on then19th July. I have now taken matter to FOS as I am absolutely seething by their treatment

I have contacted sumup as it states taking gambling bets for online casinos are illegal and this site Kinghills is using that method I sent it to the bank as well I cannot for the life of me understand why they still try to decline chargebacks ?

https://help.sumup.com/en-GB/articles/3G8ZHjdgFZjmKWOmDWS52m-restricted-businesses

Hi had a reply off **** regarding my complain case and said because of its complexity I will hear back on or before the 19th bur got this message.

Yeah course, so as you mentioned yourself, they have used the incorrect MCC code which is a poor business practice and we will be able to report that to MasterCard so they can look to get this amended with the merchant. In terms of providing any refund, we would need to wait for the relevant team to concluded their review of your case first as this will be decided in their outcome.

You may have already provided this, but would you be able to provide a screenshot of what services they're actually providing?

So it seems to me they have admitted they have used an incorrect MCC and are not going to refund me and just inform them to change their code...

Any help now would be great now the bank have admitted wrong MCC.

It isn't about "business practice", it is about the law! You cannot deliberately hide transactions for Gambling as for Books! Mastercard/VISA charge more for higher risk transaction types of which gambling is one. If companies are using shell merchants to obtain funds for gambling using lower risk MCC codes then not only are VISA/Mastercard terms being breached but the very laws of countries are as well. Banks have gambling blocks in place - if a merchant isn't using the gambling MCC then it bypasses that and if you can prove transactions were for gambling and allowed by the bank then they have to refund you(not the merchant) so it is in the banks interests to chargeback to the merchant as opposed to having to foot the bill themselves.

Thank you!!!! Try telling that to the bank lol.

I have sent them screenshots of my deposits whoch perfectly align the date and time of the merchants on my statements.

This a win for me? help with next stage.

They will be using ones in which gambling transactions are illegal hence the covering up false names codes etc

Yeah I know that but the bank don't seem to want to press for chargebacks it's been a tough fight so far even with this and all the evidence I've sent they are still reluctant.

Did find out tho in their terms and conditions the 3rd party payment processors must abide by the casino terms and conditions as if they hold the licence themselves so the correct MCC 7995 must be used and the casino are liable for their payment processors even tho they say their not.

The one they used with me sumup its a Uk company that says using payments for gambling or online casino is illegal and results in account suspension so ive wrote to them and hopefully they freeze their account with hundreds of thousands in it !

Hi,

I am trying to get refund from Donbet also but you email them They give you generic we followed rules this and that. But if you get success let me know as they bank are useless

In what terms and conditions did you found that, the casinos?

Yes in their terms and conditions or privacy policy it stated that all payment processors must follow the same rules as the casino itself.

I am also intouch with my bank with proof of all deposits and it aligns with these merchants with a code other than 7995.

Could you send the terms and conditions quote so we could use this please

Just have a read of them its under the payments section.

Either way if you can match up and screenshot your deposits and it alings with the bank anything other than MCC 7995 then it should be easy in my opinion.

If you can't find it ill go back through all my messages and find it but just have a look its there.

When I get and click on there terms and conditions it comes up with a blank page. I even asked them to send me the terms and conditions but they email was blanked