Bank Dispute Resolution Steps

Summary

You are dealing with a dispute involving manipulated MCC codes and unauthorized transactions. Youve already approached the Bank of Lithuania, which has instructed Revolut to respond within 15 working days. Ensure Revolut adheres to PSD2 regulations and gather evidence of MCC manipulation. If Revolut fails to respond, consider escalating the issue with the Bank of Lithuania or consulting a legal expert in consumer rights and banking disputes.

Full Conversation

I have this case open on Band of Lithuania for Revolut. I have been gambling on a casino that changed their MCC, i had gambling block on the credit card on revolut but as the casino manipulated the MCC the gambling block was not functional. Therefore i asked for a refund, the bank said they can't help me because its gambling transactions, the MCC is not gambling, it's courses it says on the statement.
It seems you're dealing with a complex issue involving manipulated MCC codes and unauthorized transactions. You've already applied to the Bank of Lithuania for dispute settlement, which is a good step. Here are some points to consider:
- PSD2 Compliance: Ensure Revolut is adhering to PSD2 regulations, especially regarding unauthorized transaction complaints.
- Evidence: Gather all evidence of the MCC manipulation and the functioning of your gambling block.
- Legal Grounds: Clearly state your case with new legal grounds and evidence when communicating with Revolut.
If you need further assistance, consider consulting a legal expert who specializes in consumer rights and banking disputes. Would you like more guidance on finding local legal experts?
got this back from BoL:
The Bank of Lithuania's response is crucial for your case with Revolut. To better assist you, could you share what specific guidance or feedback you received from BoL? This will help me provide more tailored advice or direct you to legal experts if needed.
BoL said: Therefore, we forward the Applicant’s complaint to the Company and ask to provide the Applicant with a detailed, reasoned and documented response within * working days from the date of receipt of the complaint2
The Bank of Lithuania has instructed Revolut to provide you with a detailed and documented response within * working days. Ensure you follow up with Revolut after this period to receive their response. If they fail to comply, consider escalating the issue with BoL or seeking legal advice. Would you like assistance in finding local legal experts?