Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:11/21/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received these 3 letters stating my online transaction was not executed by my bank and I owe this money plus a hefty service charge. I contacted PA lottery via web chat and the person stated she doesnt see any thing sent to this company. Also, when I try to enter my account number provided on the letter to www/playercashadvantage.com/pay now/, it states No account is found. I dont want this to go on my credit report.

  

  Business Response

  Date: 11/22/2023

  *********************
  50 ***********
  *******, **. 17981
  
  BBB CASE NUMBER: 20903804
  
  Our Account Number: ******  **, ******  **, ****** 03, PHIJ50  04, PHIJ50  05 PHIJ50 06, PHIJ50  07, PHIJ50  08, PHIJ50 09, PHIJ50  10, PHIJ50  11, PHIJ50 12, and PHIJ50  13 VIP Preferred Number: 7779032928
  
  Dear ***********************,
  
  Pavilion Payments Check Services, LLC. is a third-party payment processor that specifically provides check and electronic check (ACH) guarantee services to its clients.  Consumers are able to enroll in our VIP Preferred Check Cashing Program that allows them to link their designated banking account to conduct ACH transactions with merchants utilizing our service.  Consumers who successfully enroll in our VIP program are granted a seven-day, revolving check cashing limit. 
  
  
  On 11.07.2023 the patron of record enrolled into our VIP Preferred Check Cashing Program with SCIENTIFIC GAMES, LLC. On 11.14.2023, 11.15.2023, and 11.17.2023,there were six transactions guaranteed by our organization for $39.00, $13.00,$22.50, $11.00, $20.00, and $40.00 through our client PA Lottery. On 11.16.2023, 11.17.2023, and 11.20.2023, there were seven Transactions processed for $40.00, $20.00, $30.00, $50.00, $40.00, $50.00, and $10.00 through our client ********************, LLC. Subsequently, our organization funded our client and debited the designated bank account on file the next business day per our terms and conditions for each of these transactions. In addition, we have attached our Terms of Service and the transactions that were guaranteed and processed by our organization.
  
  
  The guaranteed transactions were returned to our organization as NO ACCT/UNABLE TO LOCATE and a $35.00 service fee was assessed for each returned transaction per our terms of conditions. Typically, this specific return reason is associated with the patrons bank not recognizing the bank account number as valid and therefore,were returned to the originator.
  
  
  In lieu of the most recent correspondence received through the BBB portal, we have assigned a dedicated manager to assist with this process or if the patron of record has any further inquiries and needs further guidance with our organization.  In addition, our organization will waive any associated service fees that were assessed. The contact information is below:
  
  Name:  *************************************
  E-mail address: *******************************************************************
  Phone Number: **************
  
  We thank you very kindly for the opportunity that was created to address your concern.  If you require any further assistance, please do not hesitate to contact us.
  
  Best regards,
  ************************; 

• Initial Complaint

  Date:11/20/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had never even heard of this company and received an email saying $400 was deposited into a BETMGM account for me. I did not request this money or make any bet on BETMGM at this time so I immediately changed my password and sorted this with the bank so it would not be charged. I spoke with this company about the deposit saying it was not me and they have sent multiple letters and calls attempting to collect the money after my original call. They then asked for an affidavit with far more personal information than I am comfortable giving including account numbers. I do not even want to give this company my signature. This appears to be some sort of scam and I do not feel comfortable giving them any further information and regret even calling them so they could record my voice. I did not make this charge and do not know how my information was taken, but I do not want to give them any more information what so ever.

  

  Business Response

  Date: 11/20/2023

  *************************
  ************************************
  ********, **. 23974
  
  BBB CASE NUMBER: 20893976
  
  Our Account Number: ******** VIP Preferred Number: **********
  
  Dear *************************,
  
  Pavilion Payments Check Services, LLC. is a third-party payment processor that specifically provides check and electronic check (ACH) guarantee services to its clients.  Consumers are able to enroll in our VIP Preferred Check Cashing Program that allows them to link their designated banking account to conduct ACH transactions with merchants utilizing our service.  Consumers who successfully enroll in our VIP program are granted a seven-day, revolving check cashing limit. 
  
  On 09.10.2018 the patron of record enrolled into our VIP Preferred Check Cashing Program with POINTSBET VA. On 10.18.2023, there was one transaction guaranteed by our organization for $400. 00 through our client BETMGM, LLC. ***************************** funded our client and debited the designated bank account on file the next business day per our terms and conditions. The guaranteed transaction was returned to our organization on 10.24.2023. The transaction was returned to our organization as ACCOUNT CLOSED.
  
  On 11.02.2023, our organization spoke with the consumer of record and the account was placed in a fraud queue.  In addition, per our standard operating procedures, we mailed the patron of record an affidavit of forgery form to be completed and returned to our organization.
  
  In lieu of the most recent correspondence received through the BBB portal, please be assured that we have ceased all recovery efforts and have dispositioned the account as fraud. In addition, we have closed the patron VIP Preferred account.
  
  We have assigned a dedicated manager to assist with this process or if the patron of record has any further inquiries and needs further guidance with our organization. Their contact information is below:
  
  Name: *************************************
  E-mail address: *******************************************************************
  Phone Number: **************       
  
  We thank you very kindly for the opportunity that was created to address your concern.  If you require any further assistance, please do not hesitate to contact us.
  
  Best regards,
  ************************;              

• Initial Complaint

  Date:11/11/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My personal bank account was debited multiple times for multiple amounts. Beginning on October 11,2023. The person created an account with Clutchbet. The withdrawal amounts were $1,000 $2,000 $2,000 $3,000 Those transactions were pending and did not go through. The following day they attempted $1,000 $2,000 $2,000 $25 $35 $35 The funds were available for the smaller amounts and withdrawn $35,$35&$25 a third attempt was made for the following amounts $2,000 $1,000 $2,000 They were unsuccessful. I was able to close the bank account and filed a police report with *********** PD REPORT NUMBER: *********** See attachments.

  

  Business Response

  Date: 11/13/2023

  ***************************
  ***********************************
  ***********, **. 93311
  
  BBB CASE NUMBER: 20858161
  
  Our Account Number: *******, **********, **********, and **********: VIP Preferred Number: 7778516880
  
  Dear ***************************,
  
  Pavilion Payments Check Services, LLC. is a third-party payment processor that specifically provides check and electronic check (ACH) guarantee services to its clients.  Consumers are able to enroll in our VIP Preferred Check Cashing Program that allows them to link their designated banking account to conduct ACH transactions with merchants utilizing our service.  Consumers who successfully enroll in our VIP program are granted a seven-day, revolving check cashing limit. 
  
  On 10.24.2022 the patron of record enrolled into our VIP Preferred Check Cashing Program with BETMGM. On 10.06.2023, there was a transaction for $1000.00 and on 10.07.2023 there were three transactions guaranteed by our organization for $3000.00,$2000.00, and $2000.00. Subsequently, our organization funded our client CLUTCHBET IA and debited the designated bank account on file the next business day per our terms and conditions.
  
  The guaranteed transactions were returned to our organization on 10.13.2023 as all transactions were returned to our organization as INSUFFICIENT FUNDS.
  
  On 10.23.2023, our organization placed all accounts in a fraud queue. 
  
  In lieu of the most recent correspondence received through the BBB portal, please be assured that we have ceased all recovery efforts and have placed these claims in our fraud queue. In addition,we have closed the patron VIP Preferred account. Please be assured that our organization has not reported any information with these accounts to the three main credit reporting agencies.
  
  We thank you very kindly for the opportunity that was created to address your concern.  If you require any further assistance, please do not hesitate to contact us.
  
  
  
  Best regards,
  
  ************************;              

• Initial Complaint

  Date:11/11/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had a return payment on a 50 dollar transaction the other day. Yesterday, not only did they charge my card for the original 50, which I didn't receive on the ky lottery app, but they charged me an extra 100 dollars? Are you kidding me? Today is 11-11-23

  

  Business Response

  Date: 11/13/2023

  *********************
  570 *********************.
  **********, **. 40324
  
  BBB CASE NUMBER: 20856920
  Our Account Number: ******* and **********: VIP Preferred Number: 7778935397
  
  Dear *********************,
  
  Pavilion Payments Check Services, LLC. is a third-party payment processor that specifically provides check and electronic check (ACH) guarantee services to its clients.  Consumers are able to enroll in our VIP Preferred Check Cashing Program that allows them to link their designated banking account to conduct ACH transactions with merchants utilizing our service.  Consumers who successfully enroll in our VIP program are granted a seven-day, revolving check cashing limit. 
  
  On 08.19.202 the patron of record enrolled into our VIP Preferred Check Cashing Program with IGT GLOBAL SERVICES CORP. On 11.03.2023 and 11.05.2023, there were two transactions guaranteed by our organization for $50.00 and $10.00. ***************************** funded our client WWW.KYLOTTERY.COM and debited the designated bank account on file the next business day per our terms and conditions.
  
  The guaranteed transactions were returned to our organization on 11.09.2023 as both transactions were returned to our organization as INSUFFICIENT FUNDS.
  
  Per our terms of conditions, our organization assessed a returned fee for each transaction.  For your review, we have attached our terms of service.
  
  In lieu of the most recent correspondence received through the BBB portal, the patron of record can dispute these charges with their bank and once our organization receives the disputed transaction from the patrons bank, we will waive the service fees.  
  
  We have assigned a dedicated manager to assist with this process or if the patron of record has any further inquiries and needs further guidance with our organization. There contact information is below:
  
  Name: *************************************
  E-mail address: *******************************************************************
  Phone Number: **************       
  
  We thank you very kindly for the opportunity that was created to address your concern.  If you require any further assistance, please do not hesitate to contact us.
  
  
  Best regards,
  *************************

  Customer Answer

  Date: 11/21/2023

   
  Complaint: 20856920
  
  I am rejecting this response because:
  Yea, not my issue is not satisfied, for one, I have never received the 50 dollars in credit that I paid for on the ky lottery site. For two, the 100 dollars in fees, do you know what a ****** it is to try to call your bank, and get the to dispute a 2 week old transaction? That's why they want me to do that, instead of just refunding me. Cause most people won't. Its a bunch of bull
  Sincerely,
  
  *********************

  

  Business Response

  Date: 11/21/2023

  *********************
  570 *********************.
  **********, **. 40324
  
  BBB CASE NUMBER: 20856920
  Our Account Number: ******* and **********: VIP Preferred Number: 7778935397
  
  Dear *********************,
  
  Pavilion Payments Check Services, LLC. is a third-party payment processor that specifically provides check and electronic check (ACH) guarantee services to its clients.  Consumers are able to enroll in our VIP Preferred Check Cashing Program that allows them to link their designated banking account to conduct ACH transactions with merchants utilizing our service.  Consumers who successfully enroll in our VIP program are granted a seven-day, revolving check cashing limit. 
  
  In lieu of the most recent correspondence received through the BBB portal, we will initiate a refund for both service fees assessed as a result of the returns our organization received. The refund request can take up to 30 business days. With respect to the credit of $50.00,the patron needs to speak to the ** Lottery Site for this request respectfully.
  
  In addition, we have assigned a dedicated manager to assist with this process or if the patron of record has any further inquiries and needs further guidance with our organization.  Their contact information is below:
  
  Name: *************************************
  E-mail address: *******************************************************************
  Phone Number: **************       
  
  We thank you very kindly for the opportunity that was created to address your concern.  If you require any further assistance, please do not hesitate to contact us.
  
  
  Best regards,
  ************************;             

  Customer Answer

  Date: 11/21/2023

   
  Better Business Bureau:
  
  IF, IF the business follows through with what they had mentioned in the email, i will be satisfied.
  
  Sincerely,
  
  *********************

  Customer Answer

  Date: 11/30/2023

   
  Complaint: ********
  
  I am rejecting this response because:
  In regards to my complaint #********., they have not followed through with my refund. This is unacceptable
  

  
  

  Sincerely,
  
  *********************

• Initial Complaint

  Date:11/10/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was contacted by ********* payment to collect a debt from BETMGM for 2 charges of $175.00 each. They claimed I used a *** CITIZENS account. *** CITIZENS BANK doesn't even exist anymore. I called CITIZENS and they said my account was closed in 2012! Now they want to send me a Fraud package and get a notary affidavit of fraud! I do NOT want any problems with my credit! They cLaim I did this on Nov. 5th when I my MGM account was suspended for suspicious activity that is under review as of right now and that I had to send MGM proof of myself pic ID ETC. So I couldnt have used the site. Who are these people and should I be giving them personal information about myself when this is clearly fraudulent? I want this cleared up immediately with these people. What should I be doing? They are trying to get money from me on something I didn't do.

  

  Business Response

  Date: 11/13/2023

  *****************************
  *****************************************
  *****, **. 48065
  
  BBB CASE NUMBER: 20856143
  
  Our Account Number: ******* and **********: VIP Preferred Number: 7774771528
  
  Dear *****************************,
  
  Pavilion Payments Check Services, LLC. is a third-party payment processor that specifically provides check and electronic check (ACH) guarantee services to its clients.  Consumers are able to enroll in our VIP Preferred Check Cashing Program that allows them to link their designated banking account to conduct ACH transactions with merchants utilizing our service.  Consumers who successfully enroll in our VIP program are granted a seven-day, revolving check cashing limit. 
  
  On 06.29.2018 the patron of record enrolled into our VIP Preferred Check Cashing Program with POLLARDILOTTERY. On 11.05.2023, there were two transactions guaranteed by our organization for $175.00 and $175.00. Subsequently, our organization funded our client and debited the designated bank account on file the next business day per our terms and conditions.
  
  The guaranteed transactions were returned to our organization on 11.09.2023. Both transactions were returned to our organization as ACCOUNT CLOSED.
  
  On 11.10.2023, our organization spoke with the consumer of record and both accounts were placed in a fraud queue.  In addition, per our standard operating procedures, we mailed the patron of record an affidavit of forgery form to be completed and returned to our organization.
  
  
  In lieu of the most recent correspondence received through the BBB portal, please be assured that we have ceased all recovery efforts and have placed these claims in our fraud queue. In addition,we have closed the patron VIP Preferred account. Please be assured that our organization has not reported any information with these accounts to the three main credit reporting agencies.
  
  We thank you very kindly for the opportunity that was created to address your concern.  If you require any further assistance, please do not hesitate to contact us.
  
  
  
  Best regards,
  
  ************************;              

  Customer Answer

  Date: 11/14/2023

   
  Complaint: 20856143
  
  I am rejecting this response because:  Until I receive the "Fraud" package and know that I do NOT have to give any personal account information that *** be used in more fraudulent activity, I want this left open.  I WILL NOT divulge anymore bank or private information until I know it is safe to do so.  For their record they need to know the account in question was closed in 2012 and *** Citizens has not been in existence for over 7 years.
  
  Sincerely,
  
  *****************************

  

  Business Response

  Date: 11/15/2023

  *****************************
  *****************************************
  *****, **. 48065
  
  BBB CASE NUMBER: 20856143
  
  Our Account Number: ******* and **********: VIP Preferred Number: 7774771528
  
  Dear *****************************,

  Thank you for your more recent correspondence. A fraud packet was requested within our operating system on 11.10.2023 and was mailed to the mailing address of record.  If you have any further questions or concerns you may contact our center as needed.

   

  Thanks

   

  *************************

   

  Customer Answer

  Date: 11/15/2023

   
  Complaint: 20856143
  
  I am rejecting this response because:  As I stated before, and will again, BETMGM had NO right to go after me, as not only was I hacked and they accepted fraudulent funds from a bank **** Citizens) that hasn't even been a bank for over 7 years, they (MGM) returned the money to my BETMGM account yesterday after reinstating the account!  It's not even my money!  Why they gave me money that they claim I stole, I can't imagine. I never wrote e-checks, and the money they put back into my account is the same exact amount you are trying to retrieve from me.  I do not have time for all of this ridiculous back and forth.  It is your job as the debt collector to call your client and clear this matter up, as they obviously do not have a case.  If I receive any more correspondence from you , I have my attorney on stand by, and will not hesitate to take action against both parties.  I called them and left messages for your company, to see what I am supposed to do now, but have not heard back from your company.  I am not sure which of these companies in more incompetent.  
  
  Sincerely,
  
  *****************************

• Initial Complaint

  Date:10/31/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  There was a fraudulent charge attempted from my checking account for 2,150$, which was declined from my bank for insufficient funds, yet this Pavillion payments is claiming they paid it

  

  Business Response

  Date: 10/31/2023

  *************************
  ******************** W
  *************, **. 13057
  
  BBB CASE NUMBER: 20794843
  
  Our Account Number: ********** :VIP Preferred Number: 7778146073
  
  
  Dear *************************,
  
  Pavilion Payments Check Services, LLC. is a third-party payment processor that specifically provides check and electronic check (ACH) guarantee services to its clients.  Consumers are able to enroll in our VIP Preferred Check Cashing Program that allows them to link their designated banking account to conduct ACH transactions with merchants utilizing our service.  Consumers who successfully enroll in our VIP program are granted a seven-day, revolving check cashing limit. 
  
  On 2/10/22 the patron of record enrolled into our VIP Preferred Check Cashing Program with CAESARS SPORTS **. On 10.09.2023, there was a transaction guaranteed by our organization for $2,150.00. Subsequently, our organization funded our client and debited the designated bank account on file the next business day per our terms and conditions.
  
  The guaranteed transactions were returned to our organization on 10.12.2023. The transaction was returned to our organization as Account Closed.
  
  On 10.18.2023, our organization spoke with the consumer of record and the account was placed in a fraud queue.  In addition, per our standard operating procedures, we mailed the patron of record an affidavit of forgery form to be completed and returned to our organization.
  
  
  In lieu of the most recent correspondence received through the BBB portal, please be assured that we have ceased all recovery efforts and have placed this claim in our fraud queue. In addition, we have closed the patron VIP Preferred account.
  
  We thank you very kindly for the opportunity that was created to address your concern.  If you require any further assistance, please do not hesitate to contact us.
  
  
  
  Best regards,
  
  ************************;             

  Customer Answer

  Date: 11/01/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:09/11/2023

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to file a complaint against Pavilion Payments Check Services, located at ********************************************************. On August 29, 2023, September1, 2023 and September 7, 2023, I received notifications from my bank, ***************** that checks had been written for $10,000 (check *******) and $350 (check *******) made out to Pavilion Payments Check Services. I did not authorize these checks and I do not have any dealings with this business.I immediately contacted my bank and they have filed a fraud report. I have also filed a police report. I am requesting that the Better Business Bureau investigate this matter and I am requesting that the appropriate action be taken of releasing me of any financial responsibility due to these fraudulent transactions.I have received a letter from an alleged debt collector regarding these transactions. I am also asking that I no longer be contacted by them.I am available to provide any additional information that you may need.Thank you for your prompt time and attention to this matter.*********,***********************

  

  Business Response

  Date: 09/12/2023

  
  Better Business Bureau, Inc.
  Case Number:  ********   
  Consumer Name:  ***********************
  Our Account Number:  ********
  
  
  
  Date: 09.12.2023
  
  
  Dear BBB Customer Relations Advocate,
  
  ******************, LLC formerly known as Global Payments Check Services, LLC.  is a third-party payment processor that specifically provides check and electronic check (ACH) guarantee services to its clients.  Consumers are able to enroll in our *** Preferred Check Cashing Program that allows them to link their designated banking account to conduct ACH transactions with merchants utilizing our service.  Consumers who successfully enroll in our *** program are granted a seven-day, revolving check cashing limit.
  
  We were in receipt to your correspondence on 09.11.2023 and have investigated the matter in alignment with our operating system.
  
  On 02.18.2023, our records indicate that the patron of record enrolled into our *** Preferred Check Cashing Program and a welcome email was sent to ********************. We have attached the welcome email that was sent to the patron of record. Below is the enrollment information that was captured at the time of the patron of record enrolled:
  
  ***********************
  *******************************
  WEST *******, ** 45069
  Phone Number: ***.***.9637
  
  In addition, at the time of enrollment the following banking information was captured:
  
  Bank Name: FIFTH THIRD BANK
  
  Routing Number: 042000314
  Account Number: ********
  
  Prior to successfully funding your BETMGM account through our ACH program, patrons who utilize our service must accept our Terms of Service through the clients site. It is important to note that if a patron does not accept our Terms of Service funding will not occur. For your review, we have attached our Terms of Service.
  
  On 08.27.2023, there was a transaction processed for $10,000.00 through our clients site. This transaction was guaranteed by our organization, and we funded the patron of records account with ******. We have included the system record of the transaction that was guaranteed by our organization. Subsequently, per our Terms of Service, we debited the bank account that was enrolled by the patron of record on the next business day 08.28.2023. On 08.31.2023, the patron of records bank returned the transaction to our organization as INSUFFICIENT FUNDS and in addition, a service fee was assessed for the return.
  
  Please be assured that as of 09.11.2023 our organization has complied with your request to cease and desist.In addition, we have placed the account in a fraud queue for further dispositioning and our organization has notated our operating system.  In addition, the *** Preferred account has been permanently closed.
  
  Please feel free to provide us with the police report that was referenced in the complaint, or you can execute a notarized affidavit of forgery and return document to the address below. We have attached the affidavit of forgery that can be utilized.
  
  Attention: Fraud Department
  Pavilion Payments Check Services
  PO Box 480357
  *****, ** 60714
  
  We thank you very kindly for the opportunity that was created to address your concern and we apologize for any interruptions this may have caused you.  If you require any further assistance, please do not hesitate to contact us.
  
  
  
  
  Best Regards,
  
  Pavilion Payments Check Services LLC  

  Customer Answer

  Date: 09/19/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:09/07/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I won on GA Lottery Powerball online. I tried to retrieve the funds and was told (via message online) to add my bank account information or retrieve winnings through my bank account or PayPal. I never opened a bank account with Global/Pavillon Payments. After inputting my bank account information, their system errored and I was given a number ************ to call. The representative stated she needed to call their back office to manually enter my ***** Fargo ACH transfer information (to retrieve) for the winning ticket. Instead, a hard credit check was ran on my account to retrieve the funds. I never filled out an application for credit (why would I)? I was only following the message to retrieve my winnings. Their system already had enough funds on my account to purchase lottery tickets, but it pulled $62 that I will dispute on my bank account, because Im there to retrieve funds not debit more funds than needed to play online. Today, When I called back after the unauthorized inquiry, all I could get was an automated response. I need them to remove the unauthorized hard credit inquiry, put my money back in my account that was pulled 9/6/23 to buy tickets. I had over the amount on my account for future online purchases, and please do not submit credit inquiries on my account to retrieve winnings. Please exchange/return the unauthorized debit of $62 pending on my ***** Fargo account. You were supposed to be paying me-I had more than enough money to play the tickets I played.

  

  Business Response

  Date: 09/14/2023

  Better Business Bureau **** 
  Case Number: 20570756 
  Consumer Name: ******************************************
  OUR *** ID number: ********** 
  
  09/14/2023
  
  Dear BBB Customer Relations Advocate,

  
  ******************************************* Gaming Services ****(formerly Global Payments Gaming Services, **** AKA GPGSI) is a third-party payment processor. We provide check and *** guarantee services to Gaming merchants that accept physical and electronic checks (***) for services throughout theU.S. We received your correspondence and have reviewed the facts within our operating system. 

  
  On 09.07.2023 there was one WEB based enrollment with GA Lottery for *** processing with our *** Preferred Program. IMG_3197.jpeg shows the enrollment screen for *** enrollment. On this screen, there is a checkbox which must be completed before the *** enrollment is completed. The attached Terms of Service explain that a credit inquiry is performed on the *** Preferred accounts. 

  
  The *** Preferred account is not a credit nor a loan account. The credit inquiry can be disputed by the consumer with the ************* as unauthorized. 
  The *** Preferred account only uses the *** method for processing.GPGSI did not process a card transaction. IMG_3206 shows that $62.00 was processed via CARD6463, matching the **** card information in IMG_3205. The consumer will have to dispute the card transaction with GA Lottery.

  
  We thank you very kindly for the opportunity that was created to address your concern. If you require any further assistance, please do not hesitate to contact us. 
  Best regards, 

  
  Pavilion Payments Gaming Services

  Customer Answer

  Date: 09/15/2023

   
  Complaint: 20570756
  
  I am rejecting this response because:

  I contacted the credit bureau this firm ran my credit on (Experian 9/7) and they advised that I needed to reach this firm and have them remove the unauthorized hard credit inquiry. I also attached their terms on the GA Lottery Website, and nothing states (as shown in my attached screenshots) that a hard inquiry is a part of the requirements to receive winnings. I feel their response is misleading, and appears to coincide with my understanding, but the hard fact remains, a hard inquiry to open a new checking account with them was the note on the reasoning for their inquiry. I did not authorize an inquiry and I will dispute their second debit for $62 on 9/7. By which is the same account as the *** request for my funds requirement their website stated was the only way to retrieve funds. My debit card is there to add funds, but cannot be used to retrieve funds. 

  My request is that this firm REMOVE the HARD INQUIRY OFF MY ACCOUNT. It was not authorized and I agree, I was not interested in establishing a bank account with this firm. But that is the reason the inquiry is listed through Experians alert (which I attached).
  The credit bureau advised that the inquiry can not be disputed. I must contact the the unauthorized firm, which makes no sense, but its what I was told.

  Sincerely,
  
  ******************************************

  

  Business Response

  Date: 09/19/2023

  Better Business Bureau **** 
  Case Number: 20570756 
  Consumer Name: ******************************************
  OUR VIP ID number: ********** 
  
  09/19/2023
  
  Dear BBB Customer Relations Advocate,

  
  ******************************************* Gaming Services ****(formerly Global Payments Gaming Services, **** AKA GPGSI) is a third-party payment processor. We provide check and ACH guarantee services to Gaming merchants that accept physical and electronic checks (ACH) for services throughout the U.S. We received your correspondence and have reviewed the facts within our operating system. 
  

  Per the patrons request, our organization has contacted Experian and have requested that the information be deleted from their credit inquiry.  As of 09.19.2023,we were informed that Experian has received our request and it may take up to 30 days to reflect on the patrons credit report.
  

  We thank you very kindly for the opportunity that was created to address your concern. If you require any further assistance, please do not hesitate to contact us. 
  Best regards, 
  

  Pavilion Payments Gaming Services

• Initial Complaint

  Date:08/10/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received several transactions on my personal bank account a few weeks ago from *********** that I never authorized, I haven't been to *********** nor played online with them. I disputed all of transactions with my bank and the transactions have been reversed however today I received a letter from Pavilion Payments Check services claiming they are a debt collector looking to receive the money and the service charges for those transactions which i did not make. The letters have my old maiden name on them but my new address. I will provide bank statements and any other documentation you need to prove I never had any interaction with the ************** or any website related to them in regards to these transactions. These are fraudulent and i have already disputed the transactions with my bank and now that this letter is supposedly from a debt collector I do not want this to ruin my credit score that I am working hard to build up and keep up. This place is either a scam or they were given my information by someone else This was not me. I will Not contact them and provide any personal information or my voice on record for them to use as they want when I do not know how they even obtained any of my Banking information.

  

  Business Response

  Date: 08/10/2023

  Better Business Bureau, Inc.
  Case Number:   20451366    
  Consumer Name:  *****************************
  Our Account Number:   NEUH3 - NEUH3 04
  
  Date: 08.10.2023
  
  
  Dear BBB Customer ***************************************************************************************************** LLC. is a third-party payment processor that specifically provides check and electronic check (ACH) guarantee services to its clients.  Consumers are able to enroll in our *** Preferred Check Cashing Program that allows them to link their designated banking account to conduct ACH transactions with merchants utilizing our service.  Consumers who successfully enroll in our *** program are granted a seven-day, revolving check cashing limit.
  
  We were in receipt to your correspondence on 08.10.2023 and have investigated the matter in alignment with our operating system.
  
  On 09.26.2020, the patron within our operating system enrolled at our clients website -BETRIVERS.COM, **. At the time of enrollment, the below information was utilized to enroll into our *** Preferred Check Cashing Program:
  
  *******************************
  3 ****************
  *********************, ** 19079
  Bank Name: PNC BANK,NATIONAL AS
  Email: *********************** 
  
  Prior to successfully funding the patron of record, patrons who utilize our service must accept our Terms of Service through the clients site. It is important to note that if a patron does do not accept our Terms of Service funding will not occur.
  
  Please be assured as of 08.10.2023,our organization has ceased and desisted all recovery efforts associated with ***************************** and have permanently closed the *** Preferred account. In addition, we have placed the accounts in a fraud queue and have placed the consumersphone number in a do not contact queue. As of 08.10.2023, we have discharged any associated balances within our operating system as fraud and the balances associated with *******************************. We have no records associated with *****************************.  
  
  Currently, there is no outstanding balance due to our organization in this matter. In addition, please be assured that our organization has not reported any outstanding debts to the three main credit reporting agencies.
  
  We thank you very kindly for the opportunity that was created to address your concern. If you require any further assistance, please do not hesitate to contact us.
  
  Best Regards,
  
  Pavilion Payments Check Services LLC              

• Initial Complaint

  Date:06/26/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received 2 letters notifying of 2 separate electronic debts. Letter body below:"This communication of from a debt collector.We are writing to you concerning the electronic debt which you presented to CAESARS - **. This transaction was not executed by your bank due to NO ACCT/UNABLE TO LOCATE.We would like to take this opportunity to explain our involvement in this matter. Pavailion Payments Check Services, LLC provides a guarantee service for customers who wish to pay for goods and services provided by merchants in the form of an electronic debt. When your electronic debt was returned unpaid by your bank, we were obliged to reimburse CAESARS - ** for this item.If the total balance due is paid in full to this office, all collection efforts shall cease.You may contact our ********************* toll-free at ************: Monday - Thursday 8:15am to 9:00pm CST, Friday 8:15am - 5:00pm CST and Saturday *8:00am to 12:00pm CST.THIS OFFICE IS ATTEMPTING TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE." (On the reverse side of this notice, it provides instructions to dispute & they will provide a copy of *************************** sent them a certified letter to dispute. They sent me some sort of receipts with my name & address, but not my phone number and someone else's email address. Images of receipts noted as not available. And, they requested a notarized affidavit of forgery or a police report. I have not incurred these electronic ************ have wrong information. I will also file a BBB claim with CAESARS - **, if I can find them. I will not be sending this company my personal information as an identifier, so not sure how this gets resolved. If you could please assist, that would be helpful. I have not checked my credit report, but these charges should NOT be on my credit report, as they are fraudulent. Thank you

  

  Business Response

  Date: 06/26/2023

  Better Business Bureau, ****
  Case Number:  ********    
  Consumer Name:  *******************************
  Our Account Number:   ******** AND ***********
  
  
  
  Date: 06.26.2023
  
  
  Dear BBB Customer Relations Advocate,
  
  
  ******************************************* Gaming Services **** (GPGSI) is a third-party payment processor.  We provide check and ACH guarantee services to Gaming merchants that accept physical and electronic checks (ACH) for services throughout the U.S.  We received your correspondence on 06.26.2023 and have reviewed the facts within our operating system.
  
  On 5.23.2023, the consumer of record enrolled into our VIP Preferred Program via our clients WEB portal which allows consumer to make deposits to conduct their gaming experience through our clients WEB portal Caesars- **.
  
  Below is the patron information that was captured at the time of enrollment:
  
  Name:     *******************************
  
  Address: *****************************
                  *************, ** 54873
  
  Phone:    ************ and ************
  
  Email:     *********************** 
  
  Bank Name: S AND T BANK
  
  
  As a result of enrollment and accepting our Terms of Services, there were two transactions that were processed on 5.23.2023 for $20.00 and $30.00. These two transactions were guaranteed by our organization for our client ******* **.    Subsequently,the merchant was funded by our organization, and we debited the patrons bank account on record the next business day. On 5.30.2023, the patron of records banking establishment returned both transactions for NO ACCT/UNABLE TO LOCATE. Per our standard operating procedures in alignment with our Terms of Services, a service fee of $30.00 was assessed for each returned transaction.As the guarantor of these transactions, our organization assumed all financial responsibility and attempted recovery efforts as a direct result of the two returns received by our organization 05.30.2023.
  
  On 06.20.2023, our organization received a dispute letter from the consumer, and we placed the account in a do not contact status and ceased our recovery efforts during this time. In addition, we mailed the consumer our standard debt validation letter including the enrollment information and transactional information that were processed on 5.23.2023.  Per our standard operating procedures, we asked if these transactions were conduct fraudulently and to provide our organization with an affidavit of forgery and a police report if available.
  
  In lieu of the most recent correspondence received through the Better Business Bureau, we have taken the necessary action to write off both transactions as a loss and have closed the debtor accounts as fraud. Please be assured that there is no financial responsibility to the consumer. In addition, please be assured that we have not reported any information to the three main credit reporting agencies because of receiving the two returned ACH transactions as this is not in alignment with our standard business practice.
  
  We thank you very kindly for the opportunity that was created to address your concern.  If you require any further assistance, please do not hesitate to contact us.
  
  
  Best regards,
  
  Pavilion Payments Check Services, LLC.               

  Customer Answer

  Date: 06/26/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *******************************