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This article is only for people with an online gambling addiction or poker addiction. People who enjoy recreational gambling should know there are repercussions that will inhibit your ability to play poker or gamble online should you choose to do so in the future. Not to mention, a recreational gambler is able to stop - problem gamblers and compulsive gamblers don't.Its no secret that I'm not a huge fan of online casinos or casinos in general. I was a problem gambler. I lost tens of thousands of dollars over the last few years to online gambling. Am I bitter about it? Sure! I'd like to see where my bank account would be today had I never started gambling or playing poker online. Sadly, that's just not the case, so hopefully, I can help prevent you making my mistake.
Before we dive in, I want to emphasize there is nothing for sale here. I just don't want you to go through the hell I've gone through for the past 7 years with online casinos, poker rooms, and online gambling. Though, if you want to throw a little cash my way, you can support the sponsors on my page by clicking the links to the right.
So, time to get to what I'm sure everyone is here for. You're a problem gambler like me. No matter how hard you try, you keep getting sucked back into the poker rooms and the online casinos. You play until your hundreds or thousands of dollars in the hole. Your brain finally comes around after the dopamine wears off and says, 'Uh, yeah, that $1000 bucks you just lost, how are we gonna pay rent now?'
Online casinos have been taking advantage of compulsive gamblers in the United States for yeaarrrrs. Billions leave our economy every year. Here's how you can get a portion of it back.
You see, there was an Act signed by George W. Bush way back in 2006 called the Unlawful Internet Gambling Enforcement Act, and what this Act did was it made it ILLEGAL for financial institutions to process online gambling transactions. You see, when you swipe your credit card at a gas station, that gas station sends a merchant code signal to the bank you got your credit card through. Let's say its Wachovia.
'Hello?', says Mr. Wachovia.
'Hi! I'm Mr. Gas Station. One of your account holders wants to buy some gas, is that ok?' - says Mr. Gas Station
'Sure, go right ahead! Let our account holder get some gas', says Mr. Wachovia.
-and the card holder is able to pump some gas.
The way that the UIGEA was supposed to be enforced is like this....
'Hello?', says Mr. Wachovia.
'Hi! This is Mr. Online Casino. One of your account holders wants to play some hold em poker at my site OnlineCasino.com . Can they get $1000 worth of chips?'
'HELL NO! HAVE YOU LOST YOUR DAMN MIND!?! THAT'S AGAINST THE UIGEA! DON'T YOU KNOW THAT?!'
Now, let's look at what evil Mr. Online Casino really does.'Hello?', says Mr. Wachovia.
'Hi, This is Mr. Online Cas....errr...uh...fluffy's pet boutique. One of your account holders wants to buy some ridiculously expensive jewelry for their dog. Can they make the purchase'
'Sure! Go Right Ahead!', Mr. Wachovia replies. *click*
'Moooohahahaha, another bank duped! Mooohahahaha!'
Ok, so my explanation was pretty juvenile - but it get's the point across, no? In order for the evil online casinos to take advantage of problem gamblers and get your money, they have to lie about what your money is for. Unfortunately, lying to big financial institutions is a big no, no because of a little thing called an 'Unauthorized Transaction'.
Check out your last credit card statement. That $500 in casino chips you bought with your visa credit card from onlinecasino.com probably looks something like this:
Charge Date Transaction Name Charge Amount
Online Casino No Deposit Bonus
1/1/2009 EREVE.NET $499.90It wouldn't look anything like what it should:
Money Refund From Online Casino Extreme Play
Charge Date Transaction Name Charge Amount
1/1/2009 ONLINECASINO.COM $500.00
Now, wait a second. You don't remember ever doing business with a company EREVE.NET for $499.90? So, you call your bank. 'Yes, I'd like to report an unauthorized charge on my credit card! Lord Have Mercy!' 'I don't know who this company is, EREVE.NET? Can you look at what merchant code they sent over when they processed this transaction, and tell me what its for?'
The bank rep will probably tell you something like, 'It looks like this company is charging you for pet jewelry? Have you purchased anything from this company or know anyone who could have purchased from EREVE.NET recently?'
At this point, you say, 'NO, Lord a mercy! Lord a mercy!' - because the truth is, you really haven't authorized anyone at EREVE.NET to charge your card. The company on your credit card statement is representing a completely different company than onlinecasino.com (and probably funneling the money to the casino). The bank will send you an affidavit to sign that states:
1) I have never done business with this company
2) I have no idea who this company is
3) I have no idea why they are charging my card, nor have I received any type of merchandise nor placed any order through this company.
Based on what I've been told by bank call center reps, it is 100% the truth to sign that affidavit saying those three things. The charge afterall isn't for onlinecasino.com. Many times, the charge amount is different, and the merchant description is something COMPLETELY different than an online casino.
Getting back gambling losses from online casinos can be a time consuming process. It took me about 6 weeks to get my funds back, but it was a couple grand. Money the online casino should never have gotten their grubby little paws on to begin with under UIGEA.
The Consequences of Chargebacks to Online Casinos & Poker Rooms
Here's why I recommend this only for problem gamblers - like me! When a chargeback takes place against a casino's account, and that casino is forced to cover the player's losses, the casino adds that player to a universal blacklist. The blacklist is a list of players who have charged back their losses to the casino. For the problem gambler, this is a God send. We can't control our impulsive behaviors as it is, so taking our information, and passing it along to all of the other casinos is a great way to cut off access to online gambling. If I don't have access to it, gambling isn't on my mind, nor on my wants. It's also a great way for the casinos to protect themselves, and know that the majority of the gamblers on their site are recreational gamblers - those who know their limits, rather than compulsive/problem gamblers - those who don't know their limits.
So, if you like playing poker online, chargebacks are NOT for you. If you are a problem gambler, this might be your ticket to getting back some of your money.
State: NC
I'll just be completely honest and put it all out there. I have a gambling problem. I lost a couple hundred dollars playing online poker at one of the popular US poker sites. I feel I was unfairly taken.
To explain in more detail, this particular instance involved two people who I knew were working together at a high stakes table I was at, but I couldn't prove it while the game was going on. When I checked the hand records, you could see it plain as day though. The two would play almost every hand together. When one had a 'made' hand, the other, even if they had NOTHING, would raise the pot to help the other make more money. You could also see some evidence of them constantly funneling money to whichever one of them had fewer chips. Needless to say...I was royally pissed. I took the info and clearly pointed it out to the online poker room security, and to make a long story short...they just brushed me off! I guess since they got their rake on each hand they could care less. I asked them to refund my losses at that particular table, and well, I'm sure you can figure out what they said.
So, now I want to get my money back. It looks like a thin line when it comes to the law and committing fraud, so before I did anything, I wanted to make sure I couldn't get in trouble with the law. I've done a bunch of research on the topic and read up on this topic on other forums and blogs (and even saw a video on youtube) about this stuff, so here is my plan:
1) I went to the online casino and purchased my chips. When I got my credit card statement, it came back as some sort of web design company in Canada, instead of what the charges were for - online gambling. The charge amount was different than what I got credited for in the casino. The charge was for $800, and my credit card statement said $799.97.
2) Based on my research, I found that the reason they did this is because of a bill called the UIGEA, which is now apparently US law. The UIGEA states that it is illegal for US banks to process online gambling transactions. In order to get around this, the online casinos essentially 'launder' the money through a fake company that has setup a merchant account.
3) When I went to the online casino, I only authorized them to charge my credit card, not this company that apparently sells web design services. So, on my credit card statement, I can legitimately (and I believe 100% truthfully) claim that I have no idea who this company is (because the name is different), have no idea what the charge is for (because this is saying I purchased web design services), and don't recognize the charge amount (because it is different). I have to sign an affidavit to that effect. I want to make absolutely certain that is not perjury, so I don't end up in federal pound me in the arse prison!
4) When I report these charges as unauthorized transactions, I am almost certain the bank will find in my favor, because what is the casino going to do? If the casino tells them what the charges are for, then the original transaction was illegal, which would nullify their merchant agreement and the original transaction. If they try to pretend the charges were for web design services, its just an outright lie, and they have to prove they provided those services - which they never did.
Can I get into any trouble or is this fraud when requesting a chargeback against an online casino when I know with a fair amount of certainty that the funds ended up in the casino once they went through the shell corporation that processed the transaction? Is there any way that I can push this through and not have to worry about committing any type of crime?
If signing an affidavit to this effect is perjury, any idea what the penalties would be? A fine? Probation? Jail time?
I've never committed a crime in my life (other than speeding), and I don't want to start now if this isn't fully legit. However, I believe the UIGEA makes this entire process 100% legit. Thank you for any advice!