Will I be at risk of legal consequences if I dispute these charges on my card?

[monails]

What is the name of your state (only U.S. law)? Florida

I want to dispute several transactions that were made on my card through what appears to be a 3rd party company that is laundering money internationally. If I dispute these charges that I allegedly made but did not receive the services that the "3rd party" was being paid for then can I win the dispute? Will I be open to legal consequences?

Long story short, I did some gambling on an anonymous website for a few weeks. However, I started losing and I searched for help with my gambling problems. I have gotten help and since stopped. The thing is...there are several small charges between 50-100$ that I want to dispute. The charges are all made to what is clearly a 3rd party, money-laundering, company that is handled internationally. Since the online casino clearly doesn't want to be caught and I never received a service for my payment to these "fake companies" then I should be able to dispute some of the smaller payments, correct?

If so, am I at risk of any legal consequences?

 

[Zigner]

How long ago did these charges take place?

What is the name of your state (only U.S. law)? Florida

I want to dispute several transactions that were made on my card through what appears to be a 3rd party company that is laundering money internationally. If I dispute these charges that I allegedly made but did not receive the services that the "3rd party" was being paid for then can I win the dispute? Will I be open to legal consequences?

Long story short, I did some gambling on an anonymous website for a few weeks. However, I started losing and I searched for help with my gambling problems. I have gotten help and since stopped. The thing is...there are several small charges between 50-100$ that I want to dispute. The charges are all made to what is clearly a 3rd party, money-laundering, company that is handled internationally. Since the online casino clearly doesn't want to be caught and I never received a service for my payment to these "fake companies" then I should be able to dispute some of the smaller payments, correct?

If so, am I at risk of any legal consequences?

 

[monails]

Re:

How long ago did these charges take place?

Less than 60 days ago. All within the months of September and October.

 

[Zigner]

Less than 60 days ago. All within the months of September and October.

And you've sought help and are all cured?

 

[monails]

And you've sought help and are all cured?

I spoke with a counselor that I have seen in the past and he has helped me find a way to avoid the urges to continue gambling. Is that relevant?

 

[Zigner]

I spoke with a counselor that I have seen in the past and he has helped me find a way to avoid the urges to continue gambling. Is that relevant?

I suppose it's not relevant, legally speaking. However, I feel that you are here simply to find a way to wiggle out of bad choices you made.

 

[monails]

I suppose it's not relevant, legally speaking. However, I feel that you are here simply to find a way to wiggle out of bad choices you made.

Fair point. I am here to for answer to my original question. I just want to know if I take action will there be any potential legal risk? My therapist recommended I find a way to bring my losses to reality and hinted that this be one way to do so. I understand it's unethical but is it LEGAL? It seems like it is set up perfectly. According to other articles I have read I should not be at risk due to some law back in 2006 that had to do with online gambling and paying through US banks. Since money is being laundered I am technically able to retrieve the money back with no problem.

Is that true?

 

[tranquility]

I am uncertain how "obvious" this international money laundering site is, but; if all a gambler has to do is dispute the charge, how in the world does the casino stay in business?

I mean, I should open an account and pay by credit card and gamble big and, if they can do nothing, just dispute the charge in case I lose.

Like South Park, I think there may be a missing part:
1. Collect Underpants
2. ??????
3. Profit.

What is step 2 here?

 

[monails]

I am uncertain how "obvious" this international money laundering site is, but; if all a gambler has to do is dispute the charge, how in the world does the casino stay in business?

I mean, I should open an account and pay by credit card and gamble big and, if they can do nothing, just dispute the charge in case I lose.

Like South Park, I think there may be a missing part:
1. Collect Underpants
2. ??????
3. Profit.

What is step 2 here?

Funny response. However, from what I have read...people have actually done that before and when they are done they move on to another bank and start over again.

 

[tranquility]

Funny response. However, from what I have read...people have actually done that before and when they are done they move on to another bank and start over again.

Look. You are talking about the interaction of multiple laws involving international transportation of money, online gambling, credit card fraud, and multiple torts and contract violations. There are both criminal and civil issues that depend on the exact facts and not some broad generalization. NO ONE, not even a licensed attorney who specializes in such matters can give real advice without looking at the specifics of the situation.

I was not trying to be funny just to be funny, but to make a point. If your plan was a good one, everyone should do it and the casinos would not be able to stay in business. Yet, they are still in business and rumored to be doing quite well. That indicates to me that either everyone who is keeping the casinos in business is stupid OR there is a piece missing. Look for the piece.

Info edit:
http://www.vjolt.net/vol6/issue1/v6i1a06-Anastasio.html