WATCH YOUR BANKS!!

In October I had four debits taken from my TD account under the name BetMGM. Two of them were mine. The other two — $40 and $25, on October 16 — were presented eight days after BetMGM closed my account. My bank returned both of them marked "RTN NOT AUTH": not authorized.

BetMGM says those charges are fees from its payment processor, Trustly. But Trustly's own records don't contain the $40 charge at all, and they show the authorization behind my account as "disconnected." I have had five different explanations from Trustly, and nothing with records from BetMGM.

I have been asking both companies for the paperwork since October 6 — dozens of emails, complaints filed with the AGCO and the Privacy Commissioner of Canada. Neither company has produced a single record of those transactions.

My bank returned everything, so I am not out money. That is not the point. If you play online and pay from your bank, check your statements — especially around any account closure — for debits you don't recognize. If you find any, ask for the records in writing, and keep everything.