Koi Casino - Аккаунт игрока закрыт; запрашивает возврат средств в связи с крупными убытками.

I am filing this complaint against the operator group behind **Joker.io, Buumi.com and KoiCasino** due to systematic failures to protect a vulnerable player, violations of network-wide self-exclusion, and serious deficiencies in their AML/KYC processes.

1. Network-wide self-exclusion failure

I suffer from a documented severe gambling addiction. Despite previously requesting permanent self-exclusion from the operator's associated brands/networks, Joker.io, Buumi and KoiCasino failed to conduct the necessary cross-referencing

This allowed me to open new accounts and lose large sums of money even though I had explicitly informed the network about my problem.

2. Serious violations of deposit limits and KYC requirements

On June 7, 2023, Joker.io allowed me to deposit a total of €9,618 in a single 24-hour period. This was done on a completely unverified account. The operator’s own policy and licensing requirements (Curacao/EU) stipulate a maximum limit of €150 for unverified users before KYC checks and Source of Funds verification are required [1, 2]. Allowing deposits of close to €10,000 without any validation whatsoever is a serious violation of AML regulations [2, 6].

3. Total lack of duty of care

During the gaming session, I exhibited extremely compulsive behavior that the operator completely ignored:

I played for 30 hours straight without sleep [7].

My deposits quickly escalated from €40 to €1,400 per transaction.

I was in a severe mental health crisis at the time, which I have offered to substantiate with medical documentation.

4. Manipulative withdrawal barriers

I tried to make a withdrawal after my first deposit, but it was put on hold by the casino. The delay caused me, in my unstable state, to cancel the withdrawal and gamble away all the money, which is against the requirements of protecting player funds.

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### **Evidence:**

* **Transaction logs:** Showing deposits of €9,618 over 24 hours on Joker.io [3, 4].

* **Communication history:** Support's refusal to acknowledge network connections and ignoring medical diagnoses [10-12].

* **License Violation:** Evidence that they allowed deposits well above the €150 limit for unverified accounts [1, 2].

### **Desired solution:**

I demand a **full refund** of the deposits made (€9,618) after the operator failed to enforce my self-exclusion and breached its statutory duty of care [5, 13]. The operator's actions have caused me enormous financial and personal harm [5].

Jag skickar in detta klagomål mot operatörsgruppen bakom **Joker.io, Buumi.com och KoiCasino** på grund av systematiska misslyckanden med att skydda en sårbar spelare, brott mot nätverksövergripande självavstängning och allvarliga brister i deras AML/KYC-processer.

1. Misslyckande med nätverksövergripande självexkludering

Jag lider av ett dokumenterat svårt spelmissbruk. Trots att jag tidigare begärt permanent självavstängning från operatörens associerade varumärken/nätverk, misslyckades Joker.io, Buumi och KoiCasino med att genomföra nödvändiga korsreferenser

Detta gjorde det möjligt för mig att öppna nya konton och förlora stora summor trots att jag uttryckligen informerat nätverket om min problematik.

2. Allvarliga brott mot insättningsgränser och KYC-krav

Den 7 juni 2023 tillät Joker.io mig att sätta in totalt €9 618 under ett enda dygn. Detta skedde på ett helt overifierat konto Operatörens egen policy och licenskrav (Curacao/EU) stipulerar en gräns på maximalt €150 för overifierade användare innan KYC-kontroll och verifiering av medel (Source of Funds) krävs [1, 2]. Att tillåta insättningar på nära €10 000 utan någon som helst validering är ett grovt brott mot AML-regler [2, 6].

3. Total brist på omsorgsplikt (Duty of Care)

Under spelsessionen uppvisade jag ett extremt tvångsmässigt beteende som operatören helt ignorerade:

Jag spelade i 30 timmar i sträck utan sömn [7].

Mina insättningar eskalerade snabbt från €40 till €1 400 per transaktion.

Jag befann mig i en svår mental hälsokris vid tillfället, vilket jag har erbjudit mig att styrka med medicinsk dokumentation.

4. Manipulativa uttagshinder

Jag försökte genomföra ett uttag efter min första insättning, men detta sattes på "hold" av kasinot. Dröjsmålet gjorde att jag, i mitt instabila tillstånd, avbröt uttaget och spelade bort alla pengar, vilket strider mot kraven på att skydda spelares medel.

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### **Bevisning:**

* **Transaktionsloggar:** Visar insättningar på €9 618 under 24 timmar på Joker.io [3, 4].

* **Kommunikationshistorik:** Supportens vägran att erkänna nätverkskopplingar och ignorering av medicinska diagnoser [10-12].

* **Licensbrott:** Bevis på att de tillåtit insättningar långt över €150-gränsen för overifierade konton [1, 2].

### **Önskad lösning:**

Jag kräver en **fullständig återbetalning** av de insättningar som gjorts (€9 618) efter att operatören misslyckats med att upprätthålla min självavstängning och brustit i sin lagstadgade omsorgsplikt [5, 13]. Operatörens agerande har orsakat mig enorm ekonomisk och personlig skada [5].

Important notice:

Casino Guru will never ask for payments or access to your accounts to complete KYC. If someone claims to be from Casino Guru and does that, do not share any information.

We only contact players through this official complaint thread or via @casino.guru e-mail addresses. Always check the sender’s domain and verify your complaint resolver’s e-mail address by clicking on their avatar visible inside the official complaint thread.

If anything seems suspicious, contact us directly.

Stay safe.

Dear hejsan88kr, 

Thank you very much for submitting your complaint. I’m sorry to hear about your problem. 

I have reviewed the casino's Responsible Gaming Policy, and this is what I found: 

Protecting the Vulnerable and Underage from Gambling

KoiCasino does not seek the custom from underage users, the vulnerable, or those that are actively Self-Excluded. We will actively seek to prevent them from gaining access to remote gambling at the point of account registration.

For those individuals that have identified they may require support to stop gambling, KoiCasino has a variety of tools available to limit or stop the play as well as links to professional organizations that may be able to assist them.

Unfortunately, it is not stated that all accounts held at other casinos operated by the same company will be automatically blocked or self-excluded. Please understand that self-excluding from one casino does not necessarily guarantee protection across all associated platforms. 

To proceed further, could you please confirm whether you specifically requested a self-exclusion from Koi Casino? 

I look forward to your reply. 

Best regards, 

Attila

Thank you for your response.

To clarify your question: yes, I explicitly requested self‑exclusion from all three platforms — Joker.io, Buumi.com, and KoiCasino.com. This request was made on an operator‑level basis, not limited to a single domain. Since all three brands are operated by Njord Ventures B.V., they share the same systems, payment channels, and responsible gaming obligations.

1. Operator‑level responsibility

The operator’s own Responsible Gaming Policy states that they will:

"actively seek to prevent vulnerable or self‑excluded users from gaining access at the point of account registration."

This obligation applies to the operator as a whole, not only to one of its websites. Once a player is identified as vulnerable or self‑excluded, the operator must prevent access across its entire network of brands.

2. I informed the operator about my gambling addiction and requested exclusion

Despite this, I was still able to open new accounts on all three platforms and lose significant amounts of money.

This is a clear cross‑brand self‑exclusion failure.

3. Why limiting the question to KoiCasino alone is insufficient

Even if a policy does not explicitly mention "network‑wide exclusion," the operator is still required to:

• prevent vulnerable players from registering,

• prevent self‑excluded players from accessing any of their platforms,

• and apply responsible gaming measures consistently across all brands they operate.

This is standard practice in regulated markets and part of the operator’s duty of care.

4. I will now provide all deposits across Joker.io, Buumi.com, and KoiCasino.com

These records show that:

• I was allowed to deposit €9,618 in 24 hours on an unverified account,

• I was allowed to open multiple accounts despite prior exclusion,

• and no responsible gaming intervention occurred despite extremely risky behaviour.

I will now attach the full deposit history for all three platforms.

Best regards

Dear hejsan88kr, could you please forward me the account closure request that you sent to the first casino from this group? My email address is [email protected].

Thank you in advance.

Dear hejsan88kr,

We are extending the timer by 7 days. Please, be aware that in case you fail to respond in the given time frame or don’t require any further assistance, we will reject the complaint.