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I’m really struggling to get chase bank to even start to initiate chargebacks, they’re a complete joke.
anyone who uses Chase and has been successful in getting them to initiate chargebacks, what do you say to all of their questions?
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Hi i have just emailed you
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Robster5
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I first emailed swipez over 6 weeks ago and am yet to receive any response. Escalated to CNB after 3 weeks of no response and just received the following from them. Hopefully their investigation will push for some sort of refund. Total is around 22.5k
On October 15th, 2025, the Czech National Bank (hereinafter "the CNB") received your submission in which you draw attention to the conduct of the company Draph Solutions s.r.o., ID 06245242, registered office: Národní 961/25, 110 00 Prague 1 (hereinafter "the company"). This submission follows on from three previous complaints sent to the CNB in copy.
The CNB as the administrative authority for supervision of the financial market pursuant to Act No. 6/1993 Coll., on the Czech National Bank, as amended, supervises, inter alia, compliance with the obligations imposed on payment service providers by Act No. 370/2017 Coll., on payments, as amended (hereinafter "Act on Payments"). The company is licensed with the CNB as a small-scale payment service provider (so-called small payment institution) and is authorised to provide (i) execution of transfer of funds on a payment account, unless the tranferred funds are granted as a loan to the user by the provider, initiated by the payer, the beneficiary or the payer through the beneficiary, (ii) issuing and administering payment instruments and transmission of payment order and processing of payment transactions, where the user is the payee, (iii) making a transfer of funds where neither the payer nor the payee uses a payment account with the payer's provider (remittance transfer). Detailed information about the licence of the company can found in the lists of regulated institutions and registered financial market entities that are available on websites of the CNB (https://apl.cnb.cz/apljerrsdad/JERRS.WEB07.INTRO_PAGE?p_lang=en).
The CNB has opened an investigation of your submission, which has not yet been completed.
The CNB supervises the financial market to the extent specified in the relevant legislation. These entitle it to control whether entities operating on the financial market comply with their legal obligations and to sanction possible breaches of obligations in the subsequent administrative proceedings. The exercise of supervision is subject to the obligation of confidentiality pursuant to the provisions of Art. 239 of the Act on Payments. Even in the case of a finding of an illegal activity or other misconduct, the CNB does not have the authority to interfere in the private legal relations between supervised entities and their customers and to adjudicate disputes arising from these relations. According to Art. 12 of the Act No. 89/2012 Coll., Civil Code, as amended, customers have the right to file a lawsuit against the company with the court of the Czech Republic. In the cases specified in Art. 1 of Act No.229/2002 Coll., on the Financial Arbitrator, as amended, also the Financial Arbitrator (http://www.financniarbitr.cz/en), consumers are entitled to file an application with the authority responsible for settling out-of-court disputes between consumers and providers.
By sending this reply, the CNB complies with the provision of Art. 42 of Act No. 500/2004 Coll., the Administrative Code, as amended, in connection with the provision of Art. 248 of Act No. 370/2017 Coll., the Payment system act, and informs you that, based on your submission, the CNB has not found the reasons for the opening ex officio administrative procedure.
The CNB is grateful for your submission, which it considers to be beneficial for the performance of the supervision of the financial market in the Czech Republic.
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I’ve just had exactly the same response from cnb today, hoping it triggers the refunds.
have you had anything further yet?
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i had the same as well from them.
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Not yet; what do you mean the last bit is worrying ?
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Robster5
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I am working on a list at the moment and will send when I have completed it
SvarCiter2
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swolecanuck
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swolecanuck
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Oh yea, I’ve just seen that, I’m not sure to be honest. I guess all these people contacting the CNB regarding this it might raise alarms for them. So hopefully something gets done.
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What exactly do you expect? The Czech Republic has become a breeding ground for shell companies-a cardboard-state illusion of oversight. They say they’ve "accepted" the submission, but of course there’s always a "but."
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Hi could i have your email address please nicola i have thousands through quickbit and bitaent happy to compensate you for your help
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hello does anyone know anything about destream?? I’ve been trying to sort a refund for deserLTD for weeks; apparently I’ve found out today it links to destream, i searched destream and they have the same address as trvers and tregain???
Skjult
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Really? No way of getting a refund?
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Robster5
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Well not that I found, unless you do chargebacks but I wouldn’t be suprised if they disputed the chargebacks and submitted fake evidence 😅
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