Can a US Online Casino Refuse to Pay Out?
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- US online casinos can decline to pay out winnings due to violations of terms of service or playing on unregulated platforms.
- Creating multiple accounts under a single name is not allowed in any US online casino and could lead to account deactivation and winnings forfeiture.
- Before cashouts, casinos require a verification process to prevent underage gambling, fraud, and other issues. Accurate information is essential.
- Violation of the casino’s Terms & Conditions can result in withheld funds, especially when it comes to bonus rules and wagering requirements.
- Disputes are rare but can be resolved through the casino’s regulator, which can be found on the casino’s homepage.
- To file a complaint, players must provide a comprehensive description of their issue, usually through a designated form.
There have been numerous instances and negative experiences where players land a significant win at an online casino but encounter difficulties when attempting to withdraw their winnings. This usually occurs for one of two reasons: Either it came from playing on an unscrupulous, unregulated offshore casino, or it was due to violating the terms of service.
Our message regarding dubious online casinos with flashy welcome packages is crystal clear: never create an account with an operator that is not governed or regulated by a legal body in the United States.
Regarding the second scenario, there are multiple reasons a legal US online casino might obstruct your payments or complicate the withdrawal process. It is rare, but it can happen.
In this article, we will highlight the most common problems, discuss how to avoid them, and provide guidance on resolving potential disputes with third-party organizations.
In summary, the recommendations come down to:
- Choosing from our online casinos USA list, comprised solely of licensed and approved operators.
- Not abusing an online casino no deposit bonus — sign up with an operator, and enjoy the generous offer. Do not exploit it with multiple accounts, this will be detected at cash-out, if not before.
- If you are making the most of a deposit bonus — like the current #1 pick, BetRivers’ $500 bonus money — be sure to understand the wagering requirements. In this case, it is only 1x, but it is much higher at other casinos.
- Be prepared with verification documents when requested — this may feel laborious, but it is a necessary step for the casinos to prevent fraud.
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Common Reasons for Delays or Declined Cashouts
Reason 1: Creating Multiple Accounts
Who does not appreciate huge welcome bonuses and generous promotions? Presently, a few US online casinos, such as Borgata Online and BetMGM Casino are offering online casino no deposit bonuses to their new customers, so it is unsurprising that there will be instances of players attempting to manipulate the system to claim these rewards multiple times.
It is important to note that no online casino in the US permits the use of multiple accounts under a single name. This rule applies universally, even if you unknowingly create a new account with a brand while forgetting about a previous one.
Depending on the circumstances, the company may choose to deactivate either one or, in some cases, both of the player’s accounts.
These establishments utilize advanced technology capable of detecting the use of virtual private networks (VPNs) and preventing rule violations. However, this scrutiny typically arises when the first withdrawal request is made.
The policy prohibiting the use of multiple accounts is explicitly stated in all casino terms and conditions, so expect no winnings if you are caught engaging in these practices.
Reason 2: Failure to Complete the Verification Process
Undergoing the verification process is an essential requirement to enable cashouts, and its primary purpose is to prevent issues such as underage gambling, identity theft, fraud, and, in certain cases, money laundering.
At some point, you will need to be comfortable sharing personal documents with an online casino, as passing the Know Your Customer (KYC) procedure is mandatory. It goes without saying that all information provided by players during the registration process must be accurate.
Providing incorrect details such as address or birth date can result in a temporary hold on withdrawals, and the casino reserves the right to request further information before facilitating the payout. In this regard, we recommend always reaching out to a customer service representative for possible solutions.
Reason 3: Violation of General Terms & Conditions
When creating an account, players are required to acknowledge their agreement to the Terms & Conditions set by the casino operator. We strongly advise taking a few minutes to read through them before accepting. However, only a small percentage of casino players actually pay attention to and familiarize themselves with the rules.
The majority of disputes and instances where online casino enthusiasts contact customer service are If you are new to the online gambling world, you may not be familiar with all the terms, such as the wagering requirement, which is invariably associated with these generous promotions.
In order for bonus funds to become eligible for withdrawal, players need to wager them a certain number of times (as stated in the terms and conditions). However, some players hastily navigate to the withdrawal page without being aware of these rules and request a payout.
Upon being informed about the requirements, players may feel deceived, despite the operator clearly listing all the benefits and rules for the bonus. In such a scenario, the casino is within its rights to withhold the funds.
How To Solve Potential Disputes With Online Casinos?
In our experience, encountering a situation like this is exceptionally rare. Every online casino that obtains a license in the US operates under the jurisdiction of gaming commissions (each state in the US has a governing body for this purpose).
Therefore, if a player wishes to file a complaint, they should navigate to the casino’s homepage, scroll down, and identify the regulator. For example, players from Michigan will contact the Michigan Gaming Control Board (MGCB) and present their cases.
There is a designated link to submit a form and provide a detailed description of the issue. It is advisable to be as comprehensive as possible when submitting the complaint, and typically, a response with further instructions is received within a week.
