Zdravo Ski, poslao sam ovo ispod
Zdravo, imam tešku naviku kockanja i banka prati moj račun, moj savetnik je bio u kontaktu, nedavno su podigli mnogo povraćaja sredstava za slične poput ovih. Želim refundaciju izgubljenog novca. Imam bolest kao u nastavku. Bio bih vam zahvalan saradnju, u suprotnom će ih banka sve podići, kao u nastavku:
Pregledavši svoje nedavne bankovne izvode, primetio sam neslaganja u deskriptorima povezanim sa transakcijama koje su završene. Čini se da su deskriptori netačni i da nisu u skladu sa mojim legitimnim transakcijama što je izazvalo konfuziju i zabrinutost kod mene.
Ljubazno tražim vašu hitnu pomoć u ispravljanju ovog problema i obradi povraćaja sredstava za transakcije sa lažnim deskriptorima.
Razumem da može doći do grešaka i cenim vašu pažnju da ovo pitanje rešite što pre jer su ove transakcije iz kazina i iz nekog razloga su nezakonito prikrivene.
Pored toga, imam kockarski blok na svom nalogu koji ovo nije uspelo da uhvati.
Ova praksa, koja se obično naziva „pranje transakcija", izričito je zabranjena i Mastercard i Visa propisima. Prema Mastercard-ovom kodu povraćaja sredstava 4840 („Prevarna obrada transakcija"), ova vrsta lažnog predstavljanja kvalifikuje transakciju za povraćaj sredstava. Da je MCK tačno podešen kao transakcija u vezi sa kockanjem, bio bi blokiran ograničenjima kockanja koja se primenjuju na moj nalog.
Pored toga, Visa pravila o lažnom predstavljanju MCC-a potpadaju pod Kod za povraćaj sredstava 13.5, koji se takođe primenjuje na slučajeve u kojima trgovac pogrešno klasifikuje transakciju kako bi izbegao legitimna ograničenja. I Visa i Mastercard pravila su jasna: trgovci moraju da koriste ispravan MCC, a ako to ne urade, otvaraju im se zahtevi za povraćaj sredstava.
Imajući u vidu okolnosti i jasno kršenje pravila Mastercard-a i Visa-e, ljubazno tražim da pokrenete povraćaj celog iznosa spornih transakcija od vas na listi, ako ne, ja ću samo zatražiti od svoje banke da ih podigne umesto mene kao što jesu. uradio sam to pre nego što sam započeo novi početak i sada sam ponovo u tome jer me je banka podržala, pa vas molim za saradnju.
Koliko im je vremena potrebno da odgovore Poslao sam svoje najnovije transakcije kao i samo preuzimanje sa svog bankovnog računa i kontakt od svog bankarskog savetnika
Hi Sky I sent this below
Hi there I have a severe gambling habit and the bank is monitoring my account my advisor has been in contact they recently raise lots of chargebacks for similar ones like these I want a refund for the money lost I have an illness as below I would appreciate your co-operation otherwise the bank will just raise them all, as below:
Upon reviewing my recent bank statements, I have noticed discrepancies in the descriptors associated with the transactions which were completed . It appears that the descriptors are inaccurate and do not align with my legitimate transactions which has raised confusion and concern on my parts.
I kindly request your prompt assistance in rectifying this matter and processing refunds for the transactions with false descriptors.
I understand that errors can occur, and I appreciate your attention to resolving this matter promptly as these transactions were from a casino and have been illegally disguised for some reason.
As well as that, I have a gambling block on my account which this has failed to capture.
This practice, commonly referred to as "transaction laundering," is explicitly prohibited by both Mastercard and Visa regulations. According to Mastercard’s Chargeback Code 4840 ("Fraudulent Processing of Transactions"), this type of misrepresentation qualifies the transaction for a chargeback. Had the MCC been accurately set as a gambling-related transaction, it would have been blocked by the gambling restrictions applied to my account.
Additionally, Visa's rules on MCC misrepresentation fall under Chargeback Code 13.5, which also applies to cases where a merchant misclassifies a transaction to avoid legitimate restrictions. Both Visa and Mastercard’s rules are clear: merchants must use the correct MCC, and failure to do so opens them to chargeback claims.
Given the circumstances and the clear violation of Mastercard’s and Visa’s rules, I kindly request that you initiate a refund for the full amount of the disputed transactions from you on the list if not I will just get my bank to raise them for me as they have done it before I had began a fresh start and I am right back in it now as the bank had supported me so please co-operate.
How long do they take to respond I sent my latest transactions as well just a download from my bank account and contact from my bank advisor
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