I feel for you guys. I recently had my accounts/computer accessed and someone gambled illegally on them. I was harassed by BoDog and Joseph, Mann & Creed like I was a criminal. They tried to claim I was liable for what someone else spent on my card. So I guess if someone stole my Black AmEx, I would have to pay for the new car they bought and paid in full for it. They are so full of sh*t it's sad. These companies are very unprofessional and use illegal and fraudulent racketeering tactics to try and scare you into paying an illegal debt. I recommend anytime you talk to this collection agency or BoDog you record the conversation for your own records. They are breaking numerous law in their practices. To top things off, they have no foothold under current US law. Good luck. Here is a formatted letter I sent them to get them off of my back.

hello!!! I think you should still report jmc to anyone you can THINK of to report them to--forget the form letter--- just tell them to" bring it on like Donkey Kong"and see where the threats they make lie---don't pay( even if you made transactions!!!!) They threaten and can't prove anything----I know because I didn't make transactions and they treated me the same way--(like a piece of stinky dog doo)---they are operating in a very non-American way--protest this company and don't give in--they can't provide validation!!!! and they NEVER will be able to!!!( all gambling coded illegally !!!! )just speaking from experience--please don't let them intimidate you--instead file every complaint you can with every organization you can including fbi and ftc!!!( I personally called FBI and reported their illegal collections in process!!!) Even if you made transactions--they have no legal rights to collect--do research --do not let them treat you disrespectfully!!DO NOT BE AFRAID!!DO NOT PAY A SINGLE CENT--sue them instead !!!and come out ahead or! if you don't have time to deal with rude company who threatens--ignore their requests---they will not collect on illegal internet gambling transactions that processing sights coded wrongly to allow to go through!!! Can not believe they are still trying to intimidate people!!! Please!! everyone here send letter of protest to FTC--put their gestapo to a STOP-O!!!!!don't let them treat you badly (even if you made transactions!!) I know how they treat people who didn't!!!--and it is unbelievable to me that some entity hasn't shut them down!!!!!! the more complaints people make against their unlawful tactics--the LESS chance they have of staying in business! the only thing they have going for them is the scare tactic and I think it's not gonna keep working!!!! fight back now not later!!!!!stop them in their tracks and give them a chance to ?!!!!!!!!!!! they can provide the next scenario

I played games with them for a while and told them i would pay and never intended to. I would answer the phone and just let them listen to my radio. Then i would send them emails telling them i am going to pay just to F*%& with them. They finally told me they were tired of the games and they are sending the account back to the origianl creditor and are contacting all payment processors and putting me on a blacklist... LOL. Like a care if they put me on a blacklist.. seriously why would i care i dont intend on ever using them again. We will see what happens if they send it back to the so called "creditor" Clcik2Pay. I will keep you guys posted if anything happens... but i seriously doubt anything will. happen.

Is there any way to get all the money I lost on credit cards back? Since credit card companies should not be accepting these charges, but mine did can they be held liable? I would really appreciate some feedback on this matter!!!1 Most of the money I lost (about 15k) is on credit cards... can I claim that it was illegally funded and actually get my money back? Or do you think this is just a lost cause....? Thanks to all who can provide some answers...

I think it depends on whether you intend to pay credit cards back or not--on line gambling is illegal for them to process--you can object if they are collecting on known on line gambling transactions if your credit card knowingly allowed them - I currently have an employee who refinanced home because of credit card cash advances for gambling--these debts refinanced can not be challenged -- if you do cash advances and then fund them for gambling--I think too bad! but it depends on what your situation is!

Did they fund it directly or through a third party?

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Working my way out of this debt, one day at a time!

All i did was put it on my credit card everytime. I believe the credit card and debit card transactions were funded directly. I was never charged a cash advance fee. Does this help my case? Also who should I talk to, got any lawyer firms?

you should really get some help with your gambling addiction because there's nothing good that can happen but trust you will lose every thing and feel sad and regret that you and your family are now homeless over something you could have avoided. and no don't take out a hardship loan from work to pay off your gambling debt then if you really have a hardship then what will you do?

I am clueless on this one, I know my back guarantees any visa transactions, I am closing the account that has this card attached to it. It is out of the way and not convient for me at all anyway. Hopefully someone will come along that has more knowledge on this and give you more guidance. Goodluck and keep us posted.

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Working my way out of this debt, one day at a time!

Does anyone know the name of the court case of the lady who got $70,000 in gambling charges reversed?

cynthia haines

Here is some more info. I had about 1000 in gambling debt from an online sportsbook. I decided to get it charged back when one of my winning bets was cancelled for no reason. All you have to do is call up your bank's chargeback department. You can tell them anything. Tell them you never authorised the charges or never made the charges. They will put in a dispute and the vendor will have nothing (signature or paper trail wise) to give them to show the charge was legit.

would I be better off playing dumb and saying I didn't authorize the charges or should I say these should never have gone through in the first place since they were falsely coded as non-gambling transactions?

you don't have to consider which is your best option--you just need to make it clear that you will not pay for illegal gambling transaction and demand debt validation--and make sure credit reporting agencies know name of company who you disputed illegal debt with--whoever broke the law and coded the transactions as something other than gambling--took the risk factor and lost--when you chose to challenge it.. and that is the way it will be until the U.S. declares online gambling transactions to be legal and until the U.S. determines that these transactions are legal-any collection co who attempts collection is attempting to collect an illegal debt and should be reported to anyone you can think of--whoever keeps processing these transactions is breaking the law! No wonder people keep playing if they know they don't have to pay if they choose not to do so!

bk187: What has happened with the credit card debt? It has been awhile since you posted your questions. Did you find anything out that would help us in the same situation. Please reply

Was wondering if you had some more detailed info on this, I have about $18,000 in cc charges all in last couple of months. I have started the chargeback process through wamu and citicards but the feedback I get from them is that these charges were made by me and they won't hold up in a dispute. They were all miscoded transactions and I have never sent any paperwork to these sites to verify. Do I really have a chance at recovering these?