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Deposit not received since 72 hours


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By FUG F.
1 month ago
> I am submitting this complaint against Stake Casino India regarding a deposit of INR 2,000 that has not been credited to my account even after more than 72 hours.

Stake Transaction ID: 3541325682
UTR Number: 617232876328

The payment amount was successfully debited from my bank account, but the deposit has still not been credited to my Stake account. I have contacted Stake support multiple times through email and submitted enquiries with all the required information and payment proof, yet the issue remains unresolved.

As evidence, I have attached proof showing that the payment was successfully sent for INR 1,999.56, which is the exact amount generated by Stake's payment system/barcode for this INR 2,000 deposit. I have also attached a screenshot of the system-generated payment barcode/QR page provided by Stake before payment was made, which clearly shows the same amount of INR 1,999.56. In addition, I have attached the payment receipt and transaction confirmation from my bank.

These documents clearly demonstrate that the payment was made exactly as instructed by Stake's payment system and that the funds were successfully transferred.

Despite providing all of this evidence, Stake closed my enquiry and advised me to request a chargeback from my bank. However, this is not a practical solution, as chargebacks or payment disputes can only be initiated within a limited period after the transaction as per RBI'S guidelines. More than 72 hours have already passed, and no chargeback or refund can now be issued through my bank.

I have made every reasonable effort to resolve this matter directly with Stake, but I have not received any meaningful assistance or resolution. As a result, I am left with no option but to seek help from the AskGamblers Complaint Service.

I respectfully request that AskGamblers investigate this matter and assist in ensuring that my deposit is either credited to my Stake account or refunded in full.

Thank you for your time and assistance.
Disputed Casino Stake Casino India

Discussion

User name

Following a careful review and consideration of all the information, details, and proof presented by the parties during the complaint process, the AskGamblers Complaint Team has reached the conclusion that the disputed amount never successfully reached the casino's payment provider. Consequently, the casino has no means to track or recover the aforementioned funds. We strongly advise the player to seek further assistance directly with their bank or financial institution. Based on this confirmation, the AskGamblers Complaint Team considers this case resolved, and it is now officially closed. While we understand this may not be the outcome expected by the complainant, we would like to remind you that, in case of a disagreement with our decision, further assistance on the matter could be requested from the relevant regulatory body and/or appointed Alternative Dispute Resolution (ADR) entity.

User name loyalty-level-1
> Dear Stake Team,

Your response is simply repeating the same generic statement without addressing the evidence I have already provided.

I have already submitted my bank statement, which clearly shows that ₹2,000 was successfully debited from my account. I have also provided the UPI payment receipt generated during the transaction, the Stake payment barcode/QR details, and the transaction reference.

More importantly, I lodged an official complaint through NPCI, and NPCI's response clearly states that the transaction was successful and the amount has been credited to the merchant's account. NPCI is the official UPI payment network in India, and this confirmation directly contradicts your claim that the funds never reached your payment provider.

If your payment provider claims they have not received the funds, then this is clearly an issue between Stake and its payment service provider. It is not the customer's responsibility to investigate or resolve internal reconciliation failures after a successful UPI transaction.

You are also advising me to ask my bank to initiate a refund request. This is incorrect. As I have already explained multiple times, more than 72 hours have passed since the successful transaction, and under RBI/UPI dispute procedures, this is not a case where a reversal or chargeback can simply be initiated. My bank has already confirmed that the payment was successful, and NPCI has confirmed that the amount was credited to the merchant.

Therefore, asking me to keep contacting my bank is not a valid solution. I have already provided every document you requested:

Bank statement showing the successful debit.

UPI payment receipt.

Transaction reference details.

Official NPCI complaint response confirming the merchant received the funds.


At this point, I request that Stake conduct a proper reconciliation with its payment service provider instead of repeatedly denying receipt without explaining how NPCI has confirmed the funds were credited to the merchant account.

I expect my ₹2,000 deposit to be credited to my Stake account immediately, or a detailed explanation supported by evidence from your payment provider explaining why NPCI confirms successful merchant credit while you continue to deny receiving the payment. Until then, I cannot accept your response as a valid resolution.
User name loyalty-level-1
You continue to claim that my payment was not received, but the evidence says otherwise. I have already submitted the official NPCI complaint response, which clearly confirms that the transaction was successful and the amount was credited to the merchant's account. NPCI is the authorized UPI payment network regulated by the RBI, and this confirmation directly contradicts your claim that no payment was received.
I have also explained multiple times that, under RBI guidelines, after 72 hours of a successful UPI transaction, neither a reversal nor a chargeback can be initiated for this type of transaction. Therefore, asking me to wait for a reversal or suggesting that the payment was not received is not a valid resolution.
At this stage, I expect Stake to conduct a proper internal reconciliation with your payment service provider and credit my deposit of ₹2,000 immediately. Please stop providing generic responses and investigate where the credited funds have been accounted for on your side.
User name
Dear jutikadeka7480,

As communicated through the relevant escalation ticket, the payment provider has investigated the Transaction ID 354****82 and concluded that the funds have not been received. As we do not have any record of this transaction reaching our payment provider, we are unable to intervene or provide further assistance from our side.

In order to resolve this, we advise that you contact your bank directly. Your bank will be able to trace the transaction and provide information on its status or initiate a refund request, if appropriate.

In case your bank is unable to assist, please refer the bank to the RBI's guidelines so the matter can be escalated to the appropriate department.

We appreciate your understanding.

Kind regards,

Stake Casino India Complaint Stats

Resolved 181 / 181
Avg. Amount $264
Avg. Complaint Duration 9 days
Avg. Response Time 2 days

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