Question about Gambling websites with Curaçao license using incorrect Merchant Category code (sida 611)

Just got a message on my FOS case with Revolut asking how I found the site I just said I am swamped with texts daily targeting UK problem gamblers and when I block them they sent another with a different fake number and that they have used my card details to make the transactions

just this

Vet någon vilka namn som står på banktransaktionerna när det gäller ZEN.com.

Hade varit jätte tacksamt

Och vilka är GLFI och ODB som står på bank transaktionerna?

och SmPayPF*Maginc

SmPayPF*GamingSt??

I02077CE?

merita?

Parnora?

tacksam för all hjälp

Having a hard time trying to explain this to the FOS he thinks its for another department if someone else has used my card details💁

I would be as honest as you can be with it. Don’t say someone else has used your card as if they then investigate it could look like you’re giving fraudulent information.

I would explain you have been send emails phone calls texts etc. have tried blocking them each time however they keep coming back. You are registered with gamstop in the uk. These companies have been preying on you. Explain their games don’t always work in our jurisdiction with them being offshore, you have not been able to utilise the casino fully. And the worst part is when you have requested they block you, they have continued to let you play. All of this has not been picked up due to them masking the MCC, which is there to keep you out of harms way - such as these vultures

You have to understand that when you make a deposit on these illegal gambling sites, there’s often a middleman involved between you and where your money actually ends up. The reason there’s a delay in processing the deposit is because someone is manually entering your card details into a different merchant account. In this case, they’ve used his card details, and this whole process involves fraudsters redirecting funds in a way that isn’t transparent or authorised.

Thanks Josie I thought they already knew all this will go back to them again all I said was they kept trying to take the money then eventually bought crypto with my card details something I never knew about

This isn’t what the FOS are asking. Paul stating the payments are fraudulent and his card details have been used by someone else is looked at as fraud by the banks and the FOS. How the payment is actually processed is irrelevant. They are looking at how the payment was initially made which is why I have advised to not go down that route. There is far too much info they can investigate or ask for the bank to wipe the case straight out if he did suggest it was not him that made the payments. IP address, Address Matching on file, Device Id… it’s not worth it.

coming from someone who works for a bank.

I’m confused, are you telling the FOS you didn’t deposit to the gambling sites or that you didn’t utilise the merchants listed on your statement?

I get what you're saying but there is definitely someone in between manually punching in your card digits and sending it to another destination rather than directly casino. This is explains the delays and the multiple different merchants. If one merchant is flagged and the transaction fails they move on to a different merchant. Ultimately this can be seen as fraud. Obviously the banks don't pick up on it though

I get what you're saying, but it looks like there’s someone in the middle, manually entering your card details and sending the payment to a different place, not directly to the casino. This is probably why there are delays and multiple merchants involved. If one merchant gets flagged or the transaction doesn’t go through, they just try a different one. And in Paul's case they gone down the crypto route which he didn't ask for (authorise).

I made the transaction to pay by debit card it kept bouncing to different methods being rejected then finally took it as it was

Virgin money declining my dispute case as they said " they can’t dispute gambling transactions"

Virgin are hopeless they did mine once that was it after that

What do u mean? How come they done yours?

Have you made it clear you don’t know who these merchants on your statement are as they are not the casino?

Raise a complaint and possibly then go to FOS. Though they’re equally as unhelpful majority of the time

I get what you're saying, but there’s someone in the middle, manually entering your card details and sending the payment to a different place, not directly to the casino. This is probably why there are delays and multiple merchants involved. If one merchant gets flagged or the transaction doesn’t go through, they just try a different one. In Paul's case they directed the payment to crypto, which he didn't instruct. Surely that can be seen as unauthorised.

I’ve been waiting on a call back for over two days to explain the situation

How many times have you gone through this process?