Indledning til min sag mod Chime:
Sagsøger REDACTED ("REDACTED" eller "Klagør") er en selvrepræsenteret part i voldgiftssagen med titlen L**** v. Chime, sagsnummer 01-25-0005-2640. Sagsøger udtrykker sin dybeste undskyldning for eventuelle fejl, han måtte have i dette indlæg til læserne. Som selvrepræsenteret part udtrykker han, at læserne løseligt fortolker hans holdning som ikke-medlem af advokatstanden og dermed ikke har den samme kapital og indflydelse som sine modstandere i sagen, herunder branchekontakter og bistand med forskningsspørgsmål. Sagsøger har til sin ros at have undersøgt og forfattet dette efter at have udtømt alle andre muligheder for at løse denne sag uden held. Han forelægger disse spørgsmål for panelet efter at have udtømt dem, og han gør det i god tro, uden ondsindet hensigt, som han har forsøgt at gøre nu i årevis. Chime er medlem af virksomheder, der er involveret i svigagtige ordninger, der har direkte forbindelser til ulovligt spil og hvidvaskning af penge, herunder spørgsmål om national sikkerhed og brud på cybersikkerheden, som en metode til at skjule den sande kilde til provenuet i disse operationer, sammen med andre interesserede parter, der endnu ikke er en del af denne voldgift, men som uden tvivl er involveret i virksomheden fuldt ud og bevidst involveret i kriminel adfærd, hvor sagsøgeren flittigt har søgt klage og ansvarlighed ved at anmelde sådan adfærd. Han indbringer nu denne sag for panelet i en civil retssag mod de indklagede.
Den 21. september 2025 opdagede sagsøger, at hans Chime-konto var blevet debiteret med $4.810,06 på tværs af FEM FORHANDLER, der alle var involveret i ulovlige online gamblingaktiviteter bevidst forklædt under falske forhandlerkategorikoder:
FORHANDLEROPDELING:
- Medium Rare NV (Curacao): $1.250,00 | Vist MCC: 5999 (Diverse) | Faktisk: Kasino
- SweepStakes Ltd (Cypern): $980,50 | Vist MCC: 5816 (Digital) | Faktisk: Kasinospil
- Puls: $875,00 | Vist MCC: 5968 (Tjenester) | Faktisk: Spilleplatform
- Cases.gg (Cypern): $705,56 | Vist MCC: 5815 (Digital) | Faktisk: Spil/Væddemål
- Clash.gg (Cypern): $999,00 | Vist MCC: 5734 (Software) | Aktuel: Online Casino
TOTAL: 4.810,06 kr.
6. SVIGENS ART: MCC-MANIPULATION OG HVIDLAVNING AF PENGE
Disse handlende anvendte en sofistikeret svindelordning:
a. MANIPULERING AF FORHANDLERKATEGORIKODE:
- MCC'er er standardiserede 4-cifrede koder, der identificerer virksomhedstype
- MCC'er for korrekt spil: 6211 (Juridisk), 7995 (Spil), 7996 (Spil generelt)
- Udvalgte MCC'er (5999, 5816, 5968, 5815, 5734): Designet til at undgå blokering
- Formål: Omgå betalingsnetværkssvindeldetektering og bankoverholdelsessystemer
b. HVIDLAVNING AF PENGE GENNEM BETALINGSNETVÆRK:
- Ulovlige spilleudbydere kan ikke behandle direkte
- Løsning: Brug falske MCC'er til at fremstå som legitime tjenesteudbydere
- Effekt: Hvidvask af milliarder af spilleindtægter gennem amerikanske banker
c. REGULERINGSUNDDRAGELSE:
- UIGEA (31 USC § 5361 ff.) forbyder behandling af spilletransaktioner
- Falske MCC'er forhindrer UIGEA-complianceprocedurer i at udløses
- Banker kan ikke blokere transaktioner, som de ikke identificerer som spilrelaterede
C. ROVDYRENDE DESIGN OG MARKEDSFØRING FOR FORHANDLER
7. DOKUMENTEREDE MØRKE MØNSTRE OG VANEDANNENDE MEKANIKKER
Hver købmand anvendte sofistikerede, aggressive designmekanismer:
PULSZ (Spilleplatform):
- Forstærkningsplaner med variabelt forhold
- Psykologiske "nærved-uheld"-effekter designet til at fremme fortsat spil
- Daglige bonusser, der skaber vanedannelse
- Progressive bettingsystemer, der opmuntrer til øgede indsatser
- Ingen forbrugsgrænser; ingen obligatoriske fortrydelsestider
- Målretning af økonomisk sårbare brugere
CASES.GG & CLASH.GG (Esports-væddemål/Loot Boxes):
- Loot box-mekanikker (gamblingelementer forklædt som spilprogression)
- Esports-væddemål fremstilles fejlagtigt som færdighedsbaseret konkurrence
- Sociale bevismekanismer (ranglister der viser "vindere")
- Præstationssystemer knyttet til udgifter
- Risikonormalisering gennem graduerede indsatser
MEDIUM RARE NV & SWEEPSTEAKS LTD (Online casinoer):
- Gratis til betalt konverteringsmekanismer
- Funktioner til tabsjagt designet til at fremme forsøg på geninddrivelse
- Progressive belønningsplaner
- Influencer-partnerskaber, der fremmer "store sejre"
- Ingen aldersbekræftelse trods målretning mod unge
8. KOORDINEREDE MARKEDSFØRINGSKAMPAGNER
Købmændene målrettede bevidst sårbare befolkningsgrupper gennem:
PLATFORMSPECIFIK MARKEDSFØRING:
- Discord: Private serverfællesskaber, der tilbyder "gratis" gambling med affilierede links
- Kick: Livestreamere, der sender gambling med sponsorerede partnerskaber
- YouTube: Casino-tutorials og indhold om "vindende strategier"
- TikTok: Kortformet hasardspilpromovering målrettet mod Generation Z-publikum
- Instagram: Æstetiske casinobilleder og "livsstils"-markedsføring
- Reddit: Fællesskabsfora, der organiserer spillefællesskaber
- Twitter/X: Spiltips og socialt bevis på "gevinster"
Introduction to my suit against Chime:
Claimant REDACTED ("REDACTED" or "Claimant") is a self represented litigant in arbitration matter title L**** v. Chime, case number 01-25-0005-2640. Claimant expresses his sincerest apologies for any errors he may have in this pleading to the readers, as a self represented litigant he expresses the readers loosely construe his position as not a member of the bar, thus not having the same capital and leverage as his opponents in the matter, including the industry contacts and assistance with research matters. Claimant has to his credit, researched and authored this after exhausting all other avenues to resolve this matter without any success. He brings these issues to the panel after exhausting them, and he does so in good faith, without malice, as he has tried to do so now for years. Chime is a member of companies engaged in fraudulent schemes that have direct ties to illegal gambling and money laundering including matters of national security and cyber security breaches, as a method to conceal the true source of the proceeds in these operations along with other interested parties who are not yet part of this arbitration, but are without a doubt engaged with the company wholly and knowledgeably engaged with criminal conduct in which the Claimant has diligently sought recourse and accountability by blowing the whistle on such conduct. He now brings this matter to the Panel in a civil action against the Respondents.
On September 21, 2025, Claimant discovered that his Chime account had been charged $4,810.06 across FIVE MERCHANTS, all engaged in illegal online gambling operations deliberately disguised through false Merchant Category Codes:
MERCHANT BREAKDOWN:
- Medium Rare N.V. (Curacao): $1,250.00 | Displayed MCC: 5999 (Misc) | Actual: Casino
- SweepStakes Ltd (Cyprus): $980.50 | Displayed MCC: 5816 (Digital) | Actual: Casino Gaming
- Pulsz: $875.00 | Displayed MCC: 5968 (Services) | Actual: Gambling Platform
- Cases.gg (Cyprus): $705.56 | Displayed MCC: 5815 (Digital) | Actual: Gambling/Betting
- Clash.gg (Cyprus): $999.00 | Displayed MCC: 5734 (Software) | Actual: Online Casino
TOTAL: $4,810.06
6. NATURE OF THE FRAUD: MCC MANIPULATION & MONEY LAUNDERING
These merchants employed a sophisticated fraud scheme:
a. MERCHANT CATEGORY CODE MANIPULATION:
- MCCs are standardized 4-digit codes identifying business type
- Proper gambling MCCs: 6211 (Legal), 7995 (Gambling), 7996 (Gambling general)
- Selected MCCs (5999, 5816, 5968, 5815, 5734): Designed to evade blocking
- Purpose: Bypass payment network fraud detection and bank compliance systems
b. MONEY LAUNDERING THROUGH PAYMENT NETWORKS:
- Illegal gambling operators cannot process directly
- Solution: Use false MCCs to appear as legitimate service providers
- Effect: Launder billions in gambling proceeds through U.S. banks
c. REGULATORY EVASION:
- UIGEA (31 U.S.C. § 5361 et seq.) prohibits processing gambling transactions
- False MCCs prevent UIGEA compliance procedures from triggering
- Banks cannot block transactions they don't identify as gambling-related
C. MERCHANT PREDATORY DESIGN & MARKETING
7. DOCUMENTED DARK PATTERNS & ADDICTIVE MECHANICS
Each merchant employed sophisticated predatory design mechanics:
PULSZ (Gambling Platform):
- Variable ratio reinforcement schedules
- Psychological "near-miss" effects designed to encourage continued play
- Daily bonuses creating habit formation
- Progressive betting systems encouraging increased stakes
- No spending limits; no mandatory cooling-off periods
- Targeting of financially vulnerable users
CASES.GG & CLASH.GG (Esports Betting/Loot Boxes):
- Loot box mechanics (gambling elements disguised as game progression)
- Esports betting falsely presented as skill-based competition
- Social proof mechanisms (leaderboards showing "winners")
- Achievement systems tied to spending
- Risk normalization through graduated stakes
MEDIUM RARE N.V. & SWEEPSTEAKS LTD (Online Casinos):
- Free-to-paid conversion mechanics
- Loss-chasing features designed to encourage recovery attempts
- Progressive reward schedules
- Influencer partnerships promoting "big wins"
- No age verification despite youth targeting
8. COORDINATED MARKETING CAMPAIGNS
The merchants deliberately targeted vulnerable populations through:
PLATFORM-SPECIFIC MARKETING:
- Discord: Private server communities offering "free" gambling with affiliate links
- Kick: Live streamers broadcasting gambling with sponsored partnerships
- YouTube: Casino tutorials and "winning strategies" content
- TikTok: Short-form gambling promotion targeting Gen Z audiences
- Instagram: Aesthetic casino imagery and "lifestyle" marketing
- Reddit: Community forums organizing gambling communities
- Twitter/X: Betting tips and social proof of "wins"
Automatisk oversættelse:
