Ne mogu reći da sam iznenađen. Žalba se pravilno odbija, uz navod da je banka postupila ispravno.
Način da se prođe kroz ovaj proces je da zatražite od svoje banke povraćaj sredstava zbog toga što niste primili robu od sumnjivog trgovca. Mnogi su ovde objavili kako da podnesu zahtev za povraćaj sredstava. Ako potvrdite svojoj banci da ste uplatili depozit u kazino, banka jednostavno nema pravo da podnese zahtev za povraćaj sredstava u većini slučajeva, uprkos MCC kodu i razlogu.
Pošto kazino zloupotrebljava MCC kod kako bi dozvolio depozite u svoj kazino bez obeležavanja i mogućeg blokiranja, potrošač mora da pronađe trgovca i kontaktira ga tražeći povraćaj novca zbog nedostatka primljene robe. Pošto većina trgovaca ne odgovara, imate jasan dokaz da ste pokušali da rešite ovo bezuspešno tražeći od banke da interveniše i pokrene povraćaj sredstava.
Jedini problem je što, s obzirom na to da ova tema ima 2,6 miliona pregleda, ne samo igrači i kazina će je pronaći, već i banke koje verovatno nisu spremne da ulože trud i rad u ovom procesu. Ne čitam sve objave, ali dok je prošle i 2023. godine većina trgovaca sarađivala i odmah vratila novac, sada su svesni ovog zaobilaznog načina i spremni su da se bore protiv povraćaja sredstava dok se nadaju da će potrošač/igrač izgubiti novac. Međutim, trgovci neće da govore o transakcijama kockanja jer bi to dovelo do suspenzije njihovog trgovačkog ugovora sa kartičnim šemama i moglo bi dovesti do ozbiljnih kazni, pa će pokušati da dokažu da su isporučili robu, što je nemoguće jer nemaju vašu adresu i druge relevantne lične podatke.
Can't say that I am surprised. The complaint is being refused properly stating that the bank has acted correctly.
The way to walk this process is to ask your bank for a chargeback for not receiving goods by the dodgy merchant. Many have posted here how to raise chargebacks, if you acknowledge to your bank that you made a deposit to a casino the bank simply is not allowed to raise a chargeback in most cases despite the MCC code and reason.
Since the casino is abusing the MCC code to allow deposits to its casino without being flagged and possibly blocked, the consumer has to track down the merchant and contact this asking for a refund due to a lack of receiving goods. As most merchants don't respond you have clear evidence that you tried to solve this without success asking the bank to intervene and raise a chargeback.
The only problem is that given this topic having 2.6million views, not only players and casinos will find this topic but banks too that are likely not happy to put effort and work in this process. I don't read all posts but where last year and 2023 most merchants cooperated and refunded the money instantly they now are aware of this work around and also are prepared to fight a chargeback until some way hoping the consumer/player lose them. The merchants however, wont speak about gambling transactions as that would lead to a suspension of their merchant agreement with the card schemes and could lead to severe penalties so they will try to proof that they did deliver the goods which is impossible as they don't have your address and other relevant personal details.
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