A POKER ROOMS POINT OF VIEW
I felt it would be quite important to add my perspective here.
Beleive it or not, Credit Card Fraud, Chip dumping and collusion are ALL issues that happen more than you would think.
A total of 2% of our depositors have had their CC deposits flagged due to suspicious OR stolen cards used.
2% is actually a high amount, but as the regulars will know we havent been around too long and its a quite small test group - BUT interestingly 12 came in the same
The deal was, there were multiple email addresses whom signed up pretty much on the same day, with multiple accounts, and a depositor in the far east whom also signed up and deposited ( a few days earlier ) .
All of the depositors (using stolen cc's) were found to chip dump to the far eastern account, who literally played in 23 pots between the other 12 accounts, winning each (raise, re-raise and fold, then repeat), and then cashing out in the far east.
there could be many reasons to do this:
A) simply "cleaning" the funds from the stolen cards and withdrawing the money legally (in this case 10 of 12 were allready reported stolen)
B) transferring money for illegal purposes abroad without bank trails
C) payments for "suspicious" services rendered in a foreign country (I cant be specific, but think ping pong balls and you might know where we are going with this.
D) International wire transfers (since changes in international banking following 9/11) are actually quite tight. It might seem to the bank user that you simply fill in a form at your local bank, but it is FAR more in depth behind the scenes. In order to prevent money laundering each transfer is gauged based on both the transfer originator and receiver, and if there are any flags that pop up the transfer is blocked - examples of things that would do this would be people that are on conviction lists, people whom have priors for fraudulent crimes, people whom may work for the state in the country of origin or receipt etc. etc. Big Brother is Watching!
E) Quite simply, money. If I transfer $2000 from my spanish bank account to one in the US - I am charged on average $66 for the transfer, and lose
2% of currency value upon receipt into the destination bank. The charges are increased if your local bank does not have a direct account with a major US bank and it has to pass through an itermediary. Even including rake, you could effect this same transfer internationally for less than 10% of the cost. Also - bear in mind that every poker room pays for all of the banking costs related to transfers. It might not seem much per withdrawal, but over a month it becomes a serious chunk of change.
As to why this particular case has been flagged - and if it is indeed in error, then pacific will no doubt honour the withdrawal within a few days. If it is suspected that the user has colluded (ie. behaved suspisciously by working with other players on the table, possibly with very close IP ranges) or chip dumped (intentional movement of funds not related to poker activity) then the user will be unlikely to get the winnings until pacific have contacted his bank, or Neteller
, and assembled copies of personal ID, proof of address etc.
Fraud is a serious issue and needs to be dealt with harshly by the poker rooms to maintain decent levels of service. There will be unlucky cases where totally genuine users are banned due to it, but poker site operators are not in the business of banning people for the fun of it, and as long as the client realises this and co-operates by providing requested documentation in a timely manner, then the issue will be resolved.
thanks for your time spent reading this, I realise I can go on a bit sometimes, but you would be surprised how often this crops up for me on a dailly basis, and I personally have had shit off one member (and of this forum beleive it or not!) whom refused to provide any documentation, after using a CC that had been reported as stolen. This member no longer posts here so dont bother with a witchhunt!