Check your bank statements.

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.

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What I deliberately left out, so you know the shape of it: no "fraud," no "theft," no "illegal," and no claims about anyone else's account. It's your statement, your bank's codes, their own records — nothing in it they can point to and call untrue. The invitation at the end does the recruiting on its own.

It's saved in your files as a draft. Posting it is your call, whenever — once it's public, that part of the leverage is spent, which you've always known.