Ripped off and booted

[Dean Powell]

I was stupid for playing at these online casino. Chumba. They ended up burning me for a couple thousand. So I'm playing like 4 days a week for like 3 weeks or so and I am winning. The bank called me multiple time and ask me if i did any transactions with Goldcoin/Chumba and I said yes. So around the 3rd week when I kept losing I figured I was even or a little ahead. I had not been checking my account I was just going by their account. So I finaly check my bank and saw 100's of charges transactions. Now I made sure throught that I would never spend more that 80 in 4 20 dollr transactions. With maybe 2 times spent 100/5 transactions. Their was one day with 17 transactions. Almost all the days there were fraudulent charges. First of all the bank needs to change their procedure when they call you. Because if they would have asked me if I just did 13 transactions as opposed to, Did you do any transactions with goldcoin, They would have been had right there. So I dispute it with the bank and they investigate. So I went through these trans day by day claiming 4 and 3 trans each day. So Im gonna just tell you about one day to make it easy. So on this given day I admit that I did 4 of the 8 on my statement. so the bank investigates and comes back to me saying they are valid and take back the credit they gave me. So what I think they did was go to Chumba disputing 4 transactions and Chumba had proof of 4. However there were 8. This is many days to the amount of over 2000. Ive got nothing back and im kicked out of the bank and the casino. So I want them to go back and dispute all 8 because I only made 4. Because if Chumba could prove 8 then they got super big problem cause I only did 4, on this one day but it's the same for all the days. One day they had 17. Then if add the other .30 cent fee charge for each that's 34 for one day. I only did 20 dollars at a time and would never go over 100 dollars or 5 trans. So there is 100's and 100's of transactions and I did less than half. They kicked me out and give me the runaroud. Ive got nothing back. Can I sue the bank because thay cannot tell me that they found no fraud

 

[Zigner]

Thank you for the cautionary tale. It might help others avoid the same situation you got sucked into.

 

[quincy]

... The bank called me multiple time and ask me if i did any transactions with Goldcoin/Chumba and I said yes ... I had not been checking my account ... So I dispute it with the bank and they investigate ... so the bank investigates and comes back to me saying they are valid and take back the credit they gave me. ... Can I sue the bank because thay cannot tell me that they found no fraud

I don’t see that you have a legal action to pursue against the bank.

 

[zddoodah]

the bank needs to change their procedure

Perhaps, but your opinion about the policy doesn't mean anything.

So what I think they did was. . . .

Speculation is of no value.

They kicked me out

I'm not sure who "they" are. If it means that the online casino is no longer allowing you to feed your gambling addiction, that's probably a good thing.

Can I sue the bank because thay cannot tell me that they found no fraud

Anyone can sue anyone for anything, but this sentence makes no sense at all.

Your bank's obligations to you upon the report of an allegedly fraudulent charge are spelled out in your account agreement.

How much total $$ is at issue here?

 

[quincy]

... How much total $$ is at issue here?

Over $2000.

I have a sneaking suspicion that the casino and the bank have better records of Dean’s payments than Dean has. A common problem when gambling online or in a casino is it is very easy for a gambler to spend far more than intended, especially when after a winning streak they start to lose.

 

[Dean Powell]

Over $2000.

I have a sneaking suspicion that the casino and the bank have better records of Dean’s payments than Dean has. A common problem when gambling online or in a casino is it is very easy for a gambler to spend far more than intended, especially when after a winning streak they start to lose.

Around 2500

 

[quincy]

Around 2500

So ... over $2000.

Without your own good record of transactions (“I figured I was even or a little ahead” and “with maybe 2 times spent 100/5 transactions” and “around $2500” are not indicative of good record keeping), you have an extremely difficult task trying to challenge the transaction history records produced by the bank and Chumba.

You are not alone in spending more than you intended, by the way. Many gamblers spend more than intended. Casinos are addictive by design. At least now you recognize you were “stupid for playing.” That is a valuable lesson.

 

[Just Blue]

So ... over $2000.

Without your own good record of transactions (“I figured I was even or a little ahead” and “with maybe 2 times spent 100/5 transactions” and “around $2500” are not indicative of good record keeping), you have an extremely difficult task trying to challenge the transaction history records produced by the bank and Chumba.

You are not alone in spending more than you intended, by the way. Many gamblers spend more than intended. Casinos are addictive by design. At least now you recognize you were “stupid for playing.” That is a valuable lesson.

If one is going to gamble, one should go to the casino with no more money in their pocket than they are willing to lose.
Usually, I get lucky and walk out with a couple of hundred.

 

[Zigner]

If one is going to gamble, one should go to the casino with no more money in their pocket than they are willing to lose.
Usually, I get lucky and walk out with a couple of hundred.

I usually drive there in a $25,000 car and come home in a $200,000 bus...

 

[Just Blue]

I usually drive there in a $25,000 car and come home in a $200,000 bus...

lol...one of the benefits of walking to the casino is not getting tempted to sell your car to get $$ and bet more.

 

[zddoodah]

Around 2500

OK...so this is a small claims issue. Feel free to sue, but I suggest you first carefully read your account agreement.

 

[quincy]

If one is going to gamble, one should go to the casino with no more money in their pocket than they are willing to lose.
Usually, I get lucky and walk out with a couple of hundred.

We used to go to the racetrack on occasion with just $20 each - and blow it all in a very short time. The horses were fun to watch, though.

 

[Bali Hai Again]

Never bet more than you are willing to lose. In my case that’s $0. If I find a quarter that someone left behind in an Aldi shopping cart, I’m happy.

 

[quincy]

Never bet more than you are willing to lose. In my case that’s $0. If I find a quarter that someone left behind in an Aldi shopping cart, I’m happy.

Going to casinos and racetracks can be a fun and relatively cheap night out if limits are placed on spending. Today I spend far more at a movie theater or at a restaurant than I ever did gambling, especially now that I have kids. Haha.

 

[Dean Powell]

I was stupid for playing at these online casino. Chumba. They ended up burning me for a couple thousand. So I'm playing like 4 days a week for like 3 weeks or so and I am winning. The bank called me multiple time and ask me if i did any transactions with Goldcoin/Chumba and I said yes. So around the 3rd week when I kept losing I figured I was even or a little ahead. I had not been checking my account I was just going by their account. So I finaly check my bank and saw 100's of charges transactions. Now I made sure throught that I would never spend more that 80 in 4 20 dollr transactions. With maybe 2 times spent 100/5 transactions. Their was one day with 17 transactions. Almost all the days there were fraudulent charges. First of all the bank needs to change their procedure when they call you. Because if they would have asked me if I just did 13 transactions as opposed to, Did you do any transactions with goldcoin, They would have been had right there. So I dispute it with the bank and they investigate. So I went through these trans day by day claiming 4 and 3 trans each day. So Im gonna just tell you about one day to make it easy. So on this given day I admit that I did 4 of the 8 on my statement. so the bank investigates and comes back to me saying they are valid and take back the credit they gave me. So what I think they did was go to Chumba disputing 4 transactions and Chumba had proof of 4. However there were 8. This is many days to the amount of over 2000. Ive got nothing back and im kicked out of the bank and the casino. So I want them to go back and dispute all 8 because I only made 4. Because if Chumba could prove 8 then they got super big problem cause I only did 4, on this one day but it's the same for all the days. One day they had 17. Then if add the other .30 cent fee charge for each that's 34 for one day. I only did 20 dollars at a time and would never go over 100 dollars or 5 trans. So there is 100's and 100's of transactions and I did less than half. They kicked me out and give me the runaroud. Ive got nothing back. Can I sue the bank because thay cannot tell me that they found no fraud

The reason I want to sue the bank is because your supposed to have fraud protection. If they find fraud they are supposed to pay me my money back. So out of 400 transactions and I only did 200 they cannot tell me there was no fraud. They will not tell me what thay invesigated. I do not know what to do.

Over $2000.

I have a sneaking suspicion that the casino and the bank have better records of Dean’s payments than Dean has. A common problem when gambling online or in a casino is it is very easy for a gambler to spend far more than intended, especially when after a winning streak they start to lose.

Yes the bank records yes but Chumba is a fraud. I only made 20 dollar transactions and never went over 100 most days were 80 dollars