Jeg var ærlig over for banken og sagde, at det var gamblingtransaktioner, og jeg fik en afvisning fra banken. Så bad jeg banken om at hæve chargebacken under "varer ikke modtaget". Jeg sagde, at da jeg forsøgte at hæve den oprindelige chargeback, blandede jeg teksten, mens jeg kopierede/indsatte teksten til en sag med en anden bank. Banken afvist. Nu er jeg hos FOS. E-mail fra Financial Ombudsman:
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Nedenfor er de oplysninger, jeg har brug for i forbindelse med din dokumentation for de MCC-koder, som Chase bruger.
Jeg har brug for afklaring af selve klagen. Jeg bemærker, at du har en anden klage over vores tjeneste vedrørende Revolut, så jeg har brug for at forstå, hvad denne klage til Chase handler om, da du i din klageformular anførte, at der var en forveksling vedrørende Chat GPT, da du indgav en klage til begge virksomheder.
Jeg har brug for afklaring af, om din klage vedrører et online casinos praksis eller om du har indsendt en anmodning om tilbagebetaling af varer, der ikke er modtaget. Dette er vigtigt, da jeg muligvis skal se på klagen forskelligt afhængigt af, hvad klagens essens er.
Hvis det er i forbindelse med hasardspil/praksis på online casinoet, skal jeg have dokumentation fra dig for, at den forkerte kode blev brugt af forhandleren. Uden dokumentation for dette ville det være vanskeligt at sige, at Chase har begået en forretningsfejl, da der ikke ville være noget bevis for, at den forkerte kode blev brugt. Dette er vigtigt, hvis klagen er relateret til dette, da jeg skal undersøge, om en blokering på din Chase-konto ville have blokeret transaktionerne afhængigt af den anvendte kode.
Hvis det drejer sig om varer, der ikke er modtaget, skal jeg have klar dokumentation fra dig for, at du ikke har modtaget varerne/tjenesteydelsen. Kortudstederens (Mastercard) regler er meget restriktive, og jeg skal fremlægge en masse dokumentation for, at du ikke har modtaget varerne/tjenesteydelsen, så dette kan tages i betragtning. Uden denne dokumentation er det svært at sige, at forhandleren ikke gjorde, hvad de lovede, de ville levere. Her hos os kan vi være sikre på vores holdning til dette, men det afhænger af, hvilke beviser forbrugere som dig fremlægger for at bevise, at dette var tilfældet, da det er evidensbaseret.
Jeg vil gennemgå Chases samlede håndtering af chargebacks, men det afhænger af, hvad din klage drejer sig om, og den fremlagte dokumentation for, om den handler om spil eller manglende modtagelse af varer.
Jeg har også anmeldt hjemmesiden "BOXPVPMC.it", den ser ud til at være relateret til spil, hvor man får spilfunktioner, ikke gambling? Må jeg også høre jeres kommentarer til dette.
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På nuværende tidspunkt kæmper jeg. Jeg ved ikke, hvad jeg skal sige til FOS. Jeg har allerede bedt banken om SAR, specifikt MCC'er, der bruges til disse transaktioner, men har ikke svaret endnu.
Rettelse: Og ja, der har været en spillespærre på min konto siden den første dag, jeg registrerede mig hos Chase.
I was honest with the bank and I said they were gambling transactions and I got a rejection from the bank. Then I ask the bank to raise the chargeback under goods not received. I stated that when tried to raise the initial chargeback, I mix-up the text while I copy/paste the text for a case with a different bank. Bank rejected. Now I'm with FOS. Email from Financial Ombudsman:
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Below is the information I need in relation to your evidence of the MCC codes used by Chase.
I need clarification on the complaint itself. I note you have another complaint with our service regarding Revolut so I need to understand what this complaint with Chase is about as you stated in your complaint form that there was a mix-up involving Chat GPT when raising a complaint to both companies.
I need clarification on whether your complaint is in relation to the practices of an online casino or in relation to submitting a chargeback request for goods not received. This is key as I may have to look into the complaint differently depending on what the essence of the complaint is.
If it is in relation to gambling/practices of the online casino, From you I'd need to evidence to document that the wrong code was used by the merchant. Without evidence of this, It would be difficult to say that Chase made a business error as there would be no evidence that the wrong code was used. This is important if the complaint is in relation to this as I will need to see if a block on your Chase account would have blocked the transactions depending on the code used.
If in relation to goods not received, From you I'd need clear evidence that you didn't receive the goods/service. The card issuer's (Mastercard) rules are very restrictive and a lot of evidence regarding you not receiving the goods/service would need to be provided to me so that this can be taken into consideration. Without this evidence, It's difficult to say that the merchant didn't do what they said they would provide. Here at the service we can confident of our position on this but it is dependent on what evidence is provided by consumers like yourself to prove that this was the case as it is evidence based.
I'll be reviewing Chase's overall handling of the chargebacks but it is dependent on what your complaint is in relation to and the evidence provided regarding if it is in relation to gambling or goods not received.
I've also reviewed the website "BOXPVPMC.it", it seems to be in relation to gaming where you obtain in gaming features not gambling? Please can I have your comments on this too.
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At this point I am struggling. Don't know what to say to FOS. Already asked for SAR from the bank specifically MCCs used for those transactions, but no reply yet.
Edit: And yes, there's a gambling block on my account since the first day I registered with Chase.
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