**** called after CC declined

[lordswing]

So I just got a call, and quite frankly, gave me a scare. I foolishly tried using my CC at matchbook to see if I could deposit money, and of course it got declined. In less than an hour, I got a call from **** fraud asking me if I authorized this.

Assuming I told them I didn't authorize this deposit, and they're sending me a new CC with a new #, and they're doing an investigation on this, how serious is this?

Advice? Should I call them back if this scenario did happen?

[vsdspread]

Dude, you are in big trouble. The Feds track every keystroke on gambling websites.

If you are married and have children, I would simply move them out of the country. You should probably go with them.

And to top it off, you lied to a Credit Card Company, which is against the article 103.458.1A of the CCUA.

[Peep]

I got a call first time I used a CC for gambling. They turned it down, then called me. I said I did it, wanted to bet, it was my money.

Now they let everything through.

Of course I am Canadian too, so it is easier.

[Fizzz]

Dude, you are in big trouble. The Feds track every keystroke on gambling websites.

If you are married and have children, I would simply move them out of the country. You should probably go with them.

And to top it off, you lied to a Credit Card Company, which is against the article 103.458.1A of the CCUA.

The what?

[lordswing]

The what?

Screwing with me hopefully, about to call them back and explain

[Fizzz]

Screwing with me hopefully, about to call them back and explain

I would do that... but wtf is that CCUA?

[InTheHole]

Are you nutts? tell them you authorized it...they can't do shit.

[pimike]

Are you nutts? tell them you authorized it...they can't do shit.

Not sure why he would lie about that

[michael777]

chase called me a few weeks ago after i used my debit card to deposit,i told him that i was almost 50 years old and i would use my card when and where i wanted,i told him to go **** himself

[playz]

chase called me a few weeks ago after i used my debit card to deposit,i told him that i was almost 50 years old and i would use my card when and where i wanted,i told him to go **** himself

What did he ask though? If you ever get a call like this it is just their fraud department because they want to check that a purchase online was actually you.. I don't know why you would ever deny the transaction.. it makes no sense.

[michael777]

What did he ask though? If you ever get a call like this it is just their fraud department because they want to check that a purchase online was actually you.. I don't know why you would ever deny the transaction.. it makes no sense.

yes,it was their fraud dept. he said it was a suspicious transaction and wanted to verify that it was me that was using my card

[tomcowley]

I had my card "locked" a few times back in the day. Tell them yes, I authorized, yes, let it go through ffs, and they will. Helps to know what the charge is appearing as too. The fraud department isn't the gambling bitchout department, and those transactions really are outside the pattern of most people's normal activity, so it's not that surprising that they get flagged for a fraud check sometimes.

[lordswing]

Calling investigation team bright and early tomorrow since they're closed on weekends.

Yes, I'm stupid. First time trying to gamble with money, wasn't thinking when I got the call and panicked. I should've waited 15 minutes before calling back. I didn't know if **** would shut my account down or something if I told them I was trying to gamble.

I'm going to use other CC means to deposit, just hope they still work.

[TLD]

Following up on Tom’s remarks, in general people in the forums tend to be too paranoid about this kind of thing. Most of the time (virtually all of the time pre-UIGEA; still most of the time post-UIGEA), when a bank teller questions you about a check from a sportsbook you’re depositing, what’s behind their question isn’t “We think you’re doing something you shouldn’t be, like gambling online, and we’re trying to catch you;” it’s “A lot of our customers are victimized by fraudsters using checks like this that look real but aren’t.” They want to make sure you didn’t get this from a Nigerian you’ve been e-mailing with, or some foreign lottery you supposedly won. They’re looking out for their customers.

Similarly with the credit cards. It’s a lot more likely they’re wanting to make sure someone isn’t stealing from you by using your card fraudulently than that they’re trying to catch you gambling. That’s not to say that if you’re an American you should tell them you were using the card for gambling. But there’s no reason to get scared and pretend you didn’t initiate the transaction. Just tell them, yes, I used it to make an online purchase.

If they find out later it was for online gambling specifically, the worst that’s going to happen is they cancel the card. And there are a million credit cards out there you can get. It’s not like they’re going to alert the authorities to come get you and drag you off to jail.

[Peep]

I actually thanked them for calling, why not? They were just checking I authorized the purchase.

We have "verified by ****" here too, and extra screen which you have to enter a password into, which I like, helps protect against unauthorized card use.

[trixtrix]

just tell them you did authorize the transaction, i get the call plenty of times back when bodog didn't limit me since they are one of the few books that works partially w/ my card.

basically, they don't even know it's an online gambling institution you're depositing to. it is just that particular merchant processor appears in one of their high risk lists..

i like when they call b/c i tell them that i did authorize this and to let the charge go through next time, it's 50-50 after that, they either tell me it's handled automatically and they can't process it, or they'll say np and next deposit goes through

you're just adding more headaches for yourself and possibly the processor by lying about it being a fraudulent charge

[mamorett]

you are canadian?

If you are canadian why do you complicate yourself go to the chinese guy corner store and buy a $2 ticket.
You do remember sportswagering in canada is legal right?

i got a call first time i used a cc for gambling. They turned it down, then called me. I said i did it, wanted to bet, it was my money.

Now they let everything through.

Of course i am canadian too, so it is easier.

[Peep]

If you are canadian why do you complicate yourself go to the chinese guy corner store and buy a $2 ticket.
You do remember sportswagering in canada is legal right?

LOL.

Nice of you to register at SBR to help me out with my gambling problems. Does the guy have to be Chinese?

BTW, if I lived in Vegas I would still bet offshore.

[BouncedCheck]

I can't comprehend why anyone gets all riled up about protecting their credit cards from unauthorized use --- bank accounts, debit cards, any form of true identity theft --- I totally understand, and I'm very cautious when revealing any sensitive information about my accounts, especially my driver ID number. Everyone guards their social security number, but most people flash their driver's license around like it's nothing. It has caused me inconvenience, but I never, ever reveal that number to anyone not directly involved with a government agency in some capacity. There's no national ID card (yet) and there's no law that says individuals are required to maintain possession of a government issued ID.

However, with credit card fraud, it's the bank who takes the hit, not the customer. By law, if your credit card is used without your consent, you are only responsible for the first $50, and if you have a good credit rating, any credit card issuer will gladly waive that $50 if you ask them. This whole "verified by ****" offer is a way for the banks to protect themselves by soliciting the customer's cooperation. They trick people into doing it by fear mongering about identity theft, but when it comes down to credit cards, the truth is, you, the customer, are already protected by law.

As for credit card issuers calling to verify that my charges are authorized - I have no problem with that. It's when they actually put a stop or hold on the account that I get offended and pissed off. I routinely check my balances and recent activity online once a week or more, so I'm the best resource these stupid banks have to safeguard their money, and they treat me like I'm the class clown. Reminds me of those songs by The Police and Hootie and the Blowfish - every step I take, every move I make, they'll be watching me and trying to hold my hand. The banks are so arrogant they think they're allowed to police their customers. Judging by the way things are going in the economy, it seems they haven't been policing themselves all that great, but I digress. The fraud departments are there to protect the banks' finances, not the customers' identities. They don't care if the customer is caused an inconvenience by having valid charges declined, and I'm not even talking about gambling. Sometimes I'll go on a spending spree, not necessarily buying crap I don't need, but like, for example, I had some minor body work done on my car and I paid with a credit card for several hundred dollars. That same day, I bought about $100 in groceries, $40 in gas, $141 for a cleaning and x-rays at the dentist, and maybe one or two other small charges. They put a hold on the account first and ask questions later. Pisses me off. If it wasn't for the superior cash back rewards program, I would have stopped using that card long ago. Whenever I complain, they apologize and tell me there's nothing they can do about it because their computers use a certain logarithm for fraud that can't be overridden manually.

By contrast, I have another card that I coincidentally recently used to charge up my betting accounts for nearly 1/3 of the card's entire limit. I got a letter asking me to call the bank to verify the charges, but my card was never shut off. I continued to use it as usual, and I simply paid the balance. I guess once I paid, they figured the charges were valid, because I've continued using the card and I haven't heard from them since.

/RANT OFF

sorry

[cobra_king]

If you are canadian why do you complicate yourself go to the chinese guy corner store and buy a $2 ticket.
You do remember sportswagering in canada is legal right?

That right there is the funniest yet most ridiculous post i've seen on here in quite some time!

[Peep]

LOL.

And what is funnier yet is that the guy just registered special to make it! I have fans, always trying to help me out.

[Spanks]

Yo dude...I get mine blocked all the time from the credit card companies...so what?...I call and say the charges are valid and are made by me and they unblock it...its just abnormal multiple charges they see from one processor that causes the calls and/or blocks...it doesnt say Bookmaker.com in front of them...calm down bro...

[BouncedCheck]

For the original thread starter, it's an easy 30-second phone call. Just tell them you thought it was fraud at first but then you remembered it was actually your own charge and it wasn't actually unauthorized. They will be pleased and they'll tell you not to worry about it and to discard the dispute form and just forget about it.

[TeamPlayer]

For the original thread starter, it's an easy 30-second phone call. Just tell them you thought it was fraud at first but then you remembered it was actually your own charge and it wasn't actually unauthorized. They will be pleased and they'll tell you not to worry about it and to discard the dispute form and just forget about it.

good answer, bouncedcheck.

lordswing,
I imagine that the fraud department will find out your ip address and later ask you if it was you or a family member. Of course, don't say it was a family member because they'll literally send the police to your house to arrest him/her! Using a stolen credit card is a serious offense.

Say it was yourself and that you were only purchasing clothing and souvenirs from the site. And that you forgot about the purchase. Then, the CC will simply warn you not to do it again and all is good.

They still might file an internal "suspicious activity" report for the FBI but don't worry to much because they file millions of those per year in order to comply with the anti-terror laws that all the Republicans love. They're pretty much required to make those "suspicious activity" reports for anything, even buying porn. It's stupid.

[007Fatty]

is sports betting illegal in the states?
im confused lol

[Vonnegut]

If I was an American I would be heading to Washington with a ****ing pitchfork. These crazies and greedy *********** that are running your country, launching investigations against people for wagering on sports, yet taking in BILLIONS of dollars in tax money from Vegas, AC and "state lotteries". If it weren't so serious it would be a joke worthy of Monty Python.
"Free" my rosy red ass. You guys are about as free as someone in a ****ing straightjacket confined to a nuthouse.

[BouncedCheck]

Team Player, you're absolutely correct on all counts. Case in point - I recently had a dispute with TicketBastard over some Springsteen tickets - not for the shows in New Jersey that were responsible for all the recent headlines, but for the opening night of the tour in San Jose. I called my credit card issuer just to feel them out and determine if they'd be likely to back me up in a potential dispute, so I made up some bullshit story about how I keep a duplicate card in my desk drawer for online purchases (which is real - I actually did request and receive a duplicate card a few months back, but I don't keep it in my desk, I gave it to my father, but they don't know that), and my friend who was visiting from California used it without my consent to purchase the concert tickets. They said exactly what you said - they would support me as long as I filed a police report and provided the identity of the friend who used the credit card. At that point it would become a police matter and my friend could potentially be charged with a crime, and the bank would support me on the dispute. Since I had no other real option, I sold the tickets on stubhub and broke even.

Vonnegut, you're also absolutely correct. I couldn't agree more. I find it difficult to estimate the percentage of U.S. citizens who are completely brain dead. There are several of us who see the situation for what it is, and we simply don't feel like we have the power to change it, or we don't know what steps to take to have the most positive impact, or both. In the end, it's a losing battle, so a lot of people just try to live their lives and stay as positive as possible. Whether that's 10% or 40% I don't know, but I would have to estimate at least 60% of the citizenry in this country is absolutely stupid, and I don't feel the slightest bit sorry for them. I think they're getting what they deserve. I've read up on Thoreau and his distrust and disdain for government is something I share with him wholeheartedly. I have a friend who is very much aware of how badly we're all getting ****ed in the ass, but he somehow manages to stay positive and live his life with whatever freedom he still has left. I have a more difficult time with it, so I bitch, moan, complain, etc. very often.

You might enjoy this article on Thoreau...

http://www.lewrockwell.com/mcelroy/mcelroy86.html

As for why I'm not stampeding down Washington and trying to petition the evil politicians for meaningful change, focus primarily on the section of the article titled, "The Problem With Reformers."

"Life is no way to treat an animal, not even a mouse."

"There is a tragic flaw in our precious Constitution, and I don't know what can be done to fix it. This is it: Only nut cases want to be president. But, when you stop to think about it, only a nut case would want to be a human being, if he or she had a choice. Such treacherous, untrustworthy, lying and greedy animals we are!"

> Kurt Vonnegut

[lordswing]

is sports betting illegal in the states?
im confused lol

From what I can tell, it is legal in some states. The issue is depositing money, which is illegal for companies/banks.

For an update, I did call them up and said I mistakenly denied the charge, so I'm getting a new CC # soon.

Also, the charge read up as Online World Sports or something, it was pretty obvious it was gambling related, as the lady asked if that was what I was doing (first time I called and panicked and denied the charge). It seems Matchbook does their CC deposits through WSEX.

[Hotdiggity11]

Dude, they can't do anything. Gambling site transactions are illegal for the banks to do, not the individual seeking to make the transactions except in specified state laws.

[BouncedCheck]

You mistakenly denied the charge and so they thought it was fraud and decided to send you a new account number? What did I miss? Hotdiggity is right... nobody is going to come after you for this.