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Anyone have a similar issue with the casino or card processor taking a skim on credit card deposits?
I made ten $500 deposits over two days that should come out to $529.50 each with their 5.9% credit card fee. Four deposits were fine. But six of the deposits charged $572+ on my credit card. This is not the result of a bank fee - my credit card doesn't charge foreign conversion or transaction fees. It never has. In fact, you can see it's a skim when you look through the ten transactions.
I contacted Cafe Casino. I provide then a copy of my credit card statement. I even highlight the charges and mark the disputed ones with a red "x". They gave me the typical run-around you hear about on these forums. They first claim its a foreign transaction fee by my bank. Nope...nice try (see above). And that's a silly excuse. You can see four charges for $529.50 that magically shoot up to $570+ for the last six. All ten of the transactions would have a foreign transaction fee if that was the case.
They then claim they have no way to tell if these transactions are deposits to Cafe Casino. Nice try. I point out the obvious fact that the transaction descriptors on the credit card statement are the same as my deposits on Cafe Casino. How do I know that? Cafe Casino doesn't make it easy for you to go back and check these. But I took screen shots of the Cafe Casino deposit website when I made each deposit. Those screenshots identify the transaction descriptors.
In the end, did Cafe Casino do anything about it? Did they offer a cash refund? Did they at least provide me with free comp play with no string attached? Nope. They told me they never offer comp play - which is an "odd" thing to say, since their sister sites provide them quite often. They said they'll look into it. I don't expect to hear back.
Bottom line, I'm a lawyer who did everything possible to document the issue as you can see above (its force of habit). I even have a copy of my chat with Cafe Casino. I made it as easy as possible for them; I gave them the evidence, walked through the issue, pointed everything out point by point. I also play pretty consistently for large amounts. Getting overcharged approx. $263 isn't a big deal for me. But the fact that they tried to play dumb and refused to even comp something as small as $263 is telling. If they don't care about me; think about how they'll treat you...
It's quite possible that the extra charges did not go to Cafe Casino. Pretty much every casino that accepts credit card deposits from Americans uses a third party payment processing intermediary. The processor accepts the funds, takes a fee, then forwards on the deposit to the casino (same in reverse for withdrawals). I would say it is quite likely that the processor could be charging and pocketing the extra and the casino never even sees it.
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Yes, that's likely. But that means they need a new processor. It doesn't happen with cc processors with their sister sites (at least for me). And this same issue with Cafe Casino has been an issue with other on Reddit. They know about it. So do you really want to do business with a casino who is aware of the issue and can actually do something about it; but takes a "meh, it's not on us" attitude? There's too many other options out there.
Yeah we've seen many times over the years that the processors often have the casinos over a barrel as they know that the casinos can't use American banks. It is not unknown for the processors to hold funds for something like 45 days in order to mitigate chargeback risks, and some have upped and disappeared overnight with all the money they held.
But from a player's point of view you're right, it isn't acceptable, and and really it is a business detail that isn't something that players should have to know or even care about. I'd recommend looking into Bitcoin as it solves a lot of these issues, though not without introducing its own set.
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