Jimbthethird
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Can delete ??
1
Question about Gambling websites with Cura?ao license using incorrect Merchant Category code (sida 807)
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Taken from Google - Existing accounts may be closed, and new account applications may be rejected due to the marker.
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if you get a CIFA could they close current bank accounts that you have open??
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See above that was just what Google said. Not that it’s any of my business but have you had loads of chargebacks?
I have done probably 20 on Chase still open but I’m guessing will close.
Then 25 (goods not received) on Barclays with another 10 at complaints (invalid data 12.7 etc)
at complaints and only then did they close my account due to breaching terms and noting gambling with a credit card.
I would say first closure you may be ok but if you are only now doing a few chargebacks and getting closed a CIFAS market may be on.
?ndrad
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How would you no if you’ve got a CIFA?? Can they close any current account you have with banks??
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What may be happening is you try and chargeback multiple times, banks think this is unsual then run a fraud check - bot saying it is happening but 3 accounts being shut is a red flag and definitely worth getting a SAR in CIFAS to see what comes back.
Banks become aware of CIFAS markers when they are a member of CIFAS and conduct checks against the CIFAS National Fraud Database. These markers are placed on the database by member organizations when they suspect fraudulent activity or an unacceptable risk associated with a customer. When a bank member runs a check, the marker will appear, potentially leading to further scrutiny or even the rejection of an application.
Here's a more detailed explanation:
CIFAS is a database:
CIFAS (Credit Industry Fraud Avoidance System) is a not-for-profit organization that maintains a database of fraudulent activity and risk information related to financial services.
Markers are warnings:
CIFAS markers act as warnings to other member organizations about potential risks associated with a customer.
Banks are members:
Many banks and financial institutions are members of CIFAS and use the database to assess the risk of new customers or when processing applications for financial products.
How banks check:
When a bank member needs to assess the risk of a customer, they will run a check against the CIFAS database.
Marker visibility:
If a marker is present, it will be visible to the bank, potentially triggering further investigation or rejection of the application.
Not on all credit reports:
CIFAS markers are not typically displayed on standard credit reports generated by agencies like Experian or Equifax.
Victim markers are different:
Some CIFAS markers, like those related to being a victim of impersonation, are displayed on credit reports and remain for a period of 13 months.
Challenging a marker:
If you believe a CIFAS marker has been incorrectly applied, you can challenge it by submitting a Data Subject Access Request (DSAR) to CIFAS to understand the details of the marker and then potentially challenge the financial institution that placed it.
Raderat
Jimbthethird
raderade inl?gget.
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Hi, I got a reaction from
Glfi. They want an ID ????
What did you do? it does not seem trustfull
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What email address did they contact you from?
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yes I wrote to that mail, but they answered from a different one.
Did you have to send them
something?
Did they made a refund?
Raderat
Lisamac
raderade inl?gget.
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What did you Write them.
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That I do not know these transactions and that I want a refund
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could you please send to me
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Finally after weeks of back and forth, and having my account closed, Monzo have agreed to dispute 20 transactions to Terrvers. Still might not be successful, but feels like a win after the amount of time I’ve had to spend arguing with them, submitting separate disputes, and providing evidence.
2
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That’s my old account what did you want sending through?
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Goods not received or incorrect MCC?
