The past month and a half have become a complete nightmare due to originally being stupid enough to try Chumba Casino. I am now extremely concerned my identity is at risk because it was like pulling teeth to get verified--I began to wonder how ethical this merchant was when my Bank of America charge card had sudden foreign fees posting and I had some transactions post while my husband and I were on vacation which I do not believe I even did. I immediately sent an email to Chumba stating I was under the assumption they were an operation in the USA because of all their websites stating "IN US" and then giving an address in California and felt I was fraudulently mislead into thinking they were a legal US operation. I requested my money still on account be refunded. Instead I received an email to only us my PayPal balance from Chumba for any future transactions. Needless to say because I wanted nothing to do with an overseas operation with no US regulations in place--I disputed the transactions with the foreign fees stating not as described because somewhere in Malta--not in US as they state which means there are no regulations on Payouts, etc. Immediately the casino deactivates my account with all my money still there and no refund as soon as PayPal escalated my claims. I suddenly receive an email from VGW / Chumba telling me in order to reactivate my account to stop any disputes against them. I started disputing additional transactions because now my transactions became NOT received because Chumba now kept all my money still on account. Suddenly PayPal one by one kept ruling in favor of Chumba saying Chumba provided proof I received what was originally purchased and there is no Buyer Protection for virtual goods. I tried explaining as soon as my account became deactivated with all my Gold Coins still on account and inaccessible to me--that became a case of NOT RECEIVED. I had 10 pages of supporting documentation. Trying to get any documentation to the resolution team is a joke. The buttons to upload additional supporting documentation never works--the customer service when you would call in would give you email address to send information to which were not functioning as an email to receive responses or attachments. <removed>. Two times I was told to use that email all to be told by one person finally that is an automated outgoing email. NICE and obviously very deliberate. Now to top it off, I have had my account permanently limited because of the disputes and the disputes which were still open have become suspended and PayPal will do nothing on and rules automatically in Chumba's favor. I have been using PayPal for almost 20 years with a wonderful reputation on EBay and no issues what so ever. I suddenly have one merchant which is an issue and my account and supplemental income are deactivated. I received NO assistance from PayPal in regards to anything. So for anyone thinking of disputing Chumba / VGW Holdings keep in mind PayPal will do nothing but run you in circles and eventually treat you like you are the fraudulent one. Please see below the response I got when I was trying to provide the additional documentation in an attempt to appeal my cases when PayPal ruled in favor of Chumba I was supposed to be given that right with being to click on the "respond" button. This is such a pathetic situation and I can't believe PayPal conducts business this way!
Hello
Thank you for contacting PayPal regarding your limitation.
We appreciate your interest in PayPal. Unfortunately, our decision to limit your account is final.
PayPal reserves the right to limit any account that is involved in high risk behavior - including accounts that have an unusually high transaction reversal rate . As a result of this limitation you will not be able to send or receive funds and we will suspend any open claims and we will deny these claims. Your purchases are no longer eligible for PayPal Buyer Protection, and future claims will be denied. Please feel free to continue and pursue a resolution directly with the seller.
To minimize the disruption to your business, you can continue to log in to your account for the next 180 days. It is no longer possible to use your credit card on this account.
* If you have a negative balance, please add money to your account to bring your balance to at least zero. (If you choose not to resolve your negative balance, we may take legal steps to collect the money.)
* Visit the Resolution Center to resolve any outstanding buyer complaints or
chargebacks.
* If you'd like to refund any of your buyers, you can reply to this email with the transaction details. We'll send a refund on your behalf using money from your PayPal balance.
Here's how to view the status of a buyer complaint:
1. Log in to your PayPal account.
2. Click "Resolution Center" near the top of the page.
3. Select "Open Cases" from the drop-down menu next to "View."
4. Click "Status" next to the transaction.
After 180 days, we'll contact you to let you know how to withdraw any money that remains in your PayPal account. You can transfer the balance in your PayPal account to your bank account or ask us to send you a check. (You can't withdraw your money now because we want to make sure that you have money in your account to cover any new complaints or chargebacks.)
Yours sincerely,
<removed>
PayPal
Copyright © 1999-2018 PayPal. All rights reserved.
From: XXXXXX
Sent: Thursday, March 29, 2018 2:53:36 AM (+01:00)
Subject: Documentation for appealing cases ID-- PP-D-8559695, PP-D-8582376, PP-D-8582368, PP-D-8560133, PP-D-8560176, PP-D-8560412, PP-D-8560272, PP-D-8560072, PP-D-8560450 for PayPal file under(MY EMAIL) AGAINST VGW HOLDINGS (SELLER'S EMAIL)
BELOW IS MY RESPONSE BACK TO PAYPAL IN RESPONSE TO THE EMAIL ABOVE AND THEIR LIMITING MY ACCOUNT
PayPal Customer Support :
I would like to say that this response is absolutely pathetic and robotic—but not surprising as it follows suit with how you have handled things from the start of my fiasco against VGW Holdings/Chumba Casino from the start. You have done NOTHING but support this fraudulent seller. You did not do one freaken reversal on my behalf nor did you put any effort into researching one thing. I repeatedly provided over 10 pages of supporting documentation supporting my cases. Your resolution module is not a functioning system as half the buttons do not even work (which now makes one wonder if this is intentional as well). In order to provide supporting documentation, I would have to do another email or phone call. Numerous times I would call and receive assistance from either someone totally inept or deliberately giving bogus emails to provide documentation. Seriously to give the email of <removed>. You know this is not an email that accepts any emails--it bounces back immediately but yet--told to use that twice!! Then during emails, I would provide directly in the subject and the body of the email the case #'s, my email, and the seller being disputed email address. Just like freaken clockwork--I would receive an email back saying--PayPal would like to help but first I must provide my email, case number in question, and seller's email address in which funds went. Seriously--what the heck are you people getting paid for?!!!! I am the one who got **bleep** by a fraudulent seller not once but many times. Your community board and the internet are full of complaints on this same merchant!!!!!! I placed a dispute on several transactions because of this seller fraudulently represented themselves all to have this seller immediately deactivate my account with over $28000 still on account in purchases as soon as PayPal notified them of the initial dispute. It was at that time I placed additional disputes because everything I purchased became not received. My money was at that point STOLEN BY THIS MERCHANT YOU ARE SUPPORTING. You have a seller that is allowed to get away with fraud by PayPal not offering any buyer protection on virtual items despite supporting documentation provided. Now you have permanently deactivated my account which has been in place for almost 20 years with a stellar reputation on eBay and over 1000 transactions and everything else it was used for. Now the disputes that were still on going, you are washing your hands clear of even having to do any work on because now those are suspended as well with my account being permanently limited. I will never understand why one person is allowed to make a decision just because they can regardless of the facts or the supporting documentation presented. THESE DISPUTES ARE ALL AGAINST ONE MERCHANT--IT IS NOT LIKE I HAVE A HABITUAL HABIT OF DISPUTING MANY MERCHANTS. You are supporting an overseas, fraudulent merchant by giving them loopholes to conduct their unethical business and now you permanently limit my account because I made you do a little work!!!!! I was and still am a very conscientious seller and buyer on eBay—hence my excellent feedback rating (oh but that is something you probably do not care about because eBay is dropping PayPal!!) Well it appears you are in business with vendors like Chumba Casino because that is whom you choose to allow to continually use PayPal.
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