Bio sam iskren prema banci i rekao sam da su to bile kockarske transakcije, a banka me je odbila. Zatim sam zamolio banku da pokrene povraćaj sredstava pod stavkom „roba nije primljena". Naveo sam da sam, kada sam pokušao da pokrenem početni povraćaj sredstava, pomešao tekst dok sam kopirao/lepio tekst za slučaj sa drugom bankom. Banka je odbila. Sada sam u FOS-u. E-pošta od finansijskog ombudsmana:
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U nastavku su informacije koje su mi potrebne u vezi sa vašim dokazom o MCC kodovima koje koristi Chase.
Potrebno mi je pojašnjenje u vezi sa samom žalbom. Primećujem da imate još jednu žalbu na našu uslugu u vezi sa Revolut-om, pa moram da razumem o čemu se radi u ovoj žalbi na Chase, jer ste u svom obrascu za žalbu naveli da je došlo do zabune u vezi sa Chat GPT-om prilikom podnošenja žalbe obema kompanijama.
Potrebno mi je pojašnjenje da li se vaša žalba odnosi na prakse onlajn kazina ili na podnošenje zahteva za povraćaj novca za robu koja nije primljena. Ovo je ključno jer ću možda morati drugačije da razmotrim žalbu u zavisnosti od suštine žalbe.
Ako je u vezi sa kockanjem/praksama onlajn kazina, od vas bi mi bio potreban dokaz kojim se dokumentuje da je trgovac koristio pogrešan kod. Bez dokaza za to, bilo bi teško reći da je Chase napravio poslovnu grešku, jer ne bi bilo dokaza da je korišćen pogrešan kod. Ovo je važno ako se žalba odnosi na ovo, jer ću morati da vidim da li bi blokada na vašem Chase nalogu blokirala transakcije u zavisnosti od korišćenog koda.
Ukoliko se radi o neprimljenoj robi, od vas bi mi bio potreban jasan dokaz da niste primili robu/uslugu. Pravila izdavaoca kartice (Mastercard) su veoma restriktivna i moralo bi mi se dostaviti mnogo dokaza o tome da niste primili robu/uslugu kako bi se ovo moglo uzeti u obzir. Bez ovih dokaza, teško je reći da trgovac nije uradio ono što je rekao da će pružiti. Ovde u službi možemo biti sigurni u naš stav po ovom pitanju, ali to zavisi od toga koje dokaze će potrošači poput vas dostaviti da bi se dokazalo da je to bio slučaj, jer je to zasnovano na dokazima.
Pregledaću Čejsovo celokupno postupanje sa povraćajem sredstava, ali to zavisi od toga na šta se vaša žalba odnosi i od dostavljenih dokaza u vezi sa tim da li se odnosi na kockanje ili neprimljenu robu.
Takođe sam pregledao veb stranicu „BOXPVPMC.it", čini se da je vezana za igre gde dobijate funkcije za igre, a ne kockanje? Molim vas, možete li dobiti vaše komentare i o ovome.
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U ovom trenutku se mučim. Ne znam šta da kažem FOS-u. Već sam tražio SAR od banke, tačnije MCC-ove koji se koriste za te transakcije, ali još uvek nema odgovora.
Izmena: I da, postoji blokada kockanja na mom nalogu od prvog dana kada sam se registrovao kod Čejsa.
I was honest with the bank and I said they were gambling transactions and I got a rejection from the bank. Then I ask the bank to raise the chargeback under goods not received. I stated that when tried to raise the initial chargeback, I mix-up the text while I copy/paste the text for a case with a different bank. Bank rejected. Now I'm with FOS. Email from Financial Ombudsman:
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Below is the information I need in relation to your evidence of the MCC codes used by Chase.
I need clarification on the complaint itself. I note you have another complaint with our service regarding Revolut so I need to understand what this complaint with Chase is about as you stated in your complaint form that there was a mix-up involving Chat GPT when raising a complaint to both companies.
I need clarification on whether your complaint is in relation to the practices of an online casino or in relation to submitting a chargeback request for goods not received. This is key as I may have to look into the complaint differently depending on what the essence of the complaint is.
If it is in relation to gambling/practices of the online casino, From you I'd need to evidence to document that the wrong code was used by the merchant. Without evidence of this, It would be difficult to say that Chase made a business error as there would be no evidence that the wrong code was used. This is important if the complaint is in relation to this as I will need to see if a block on your Chase account would have blocked the transactions depending on the code used.
If in relation to goods not received, From you I'd need clear evidence that you didn't receive the goods/service. The card issuer's (Mastercard) rules are very restrictive and a lot of evidence regarding you not receiving the goods/service would need to be provided to me so that this can be taken into consideration. Without this evidence, It's difficult to say that the merchant didn't do what they said they would provide. Here at the service we can confident of our position on this but it is dependent on what evidence is provided by consumers like yourself to prove that this was the case as it is evidence based.
I'll be reviewing Chase's overall handling of the chargebacks but it is dependent on what your complaint is in relation to and the evidence provided regarding if it is in relation to gambling or goods not received.
I've also reviewed the website "BOXPVPMC.it", it seems to be in relation to gaming where you obtain in gaming features not gambling? Please can I have your comments on this too.
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At this point I am struggling. Don't know what to say to FOS. Already asked for SAR from the bank specifically MCCs used for those transactions, but no reply yet.
Edit: And yes, there's a gambling block on my account since the first day I registered with Chase.
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