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VIP Preferred · Gaming payment screening

Blocked from gaming payments by a VIP Preferred report?

VIP Preferred, a Pavilion Payments service, screens patrons who fund casino and online gaming accounts by e-check, ACH or cash advance. If your VIP Preferred file is wrong and the company won't fix it, the Fair Credit Reporting Act lets you sue.

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Who VIP Preferred is and who relies on its reports

VIP Preferred is a payment service that lets gamblers link a bank account once and use it to fund play at casinos, online casinos and sportsbooks. Its website says it handles deposits and withdrawals by ACH, online banking, e-check, cash advance and ATMs, and that on e-check transactions you can delay settlement for up to 28 days. The CFPB’s list of consumer reporting companies says VIP Preferred is a Pavilion Payments solution, that Parthenon Capital owns Pavilion Payments, and that the company provides consumer data to in-person and online casinos, online sportsbooks and fantasy sports, and other gaming businesses such as racetracks. Those businesses use the data to assess the risk of check cashing, ACH acceptance and similar fund transfer and cash advance services.

In practice, that means VIP Preferred can decide whether a casino cage will cash your check or whether an online sportsbook will accept your bank deposit. A denial can follow you across many properties and apps, because the same network serves them all. VIP Preferred lists a Las Vegas, Nevada address, and its FACT Act requests are handled by Pavilion Payments Gaming Services, Inc.

Errors that show up on VIP Preferred reports

Gaming payments move fast and are often initiated online, which creates room for both fraud and mix-ups. Problems consumers report include:

  • Repaid returns still listed. An e-check or ACH payment that came back and was later paid still treated as outstanding.
  • Wrong-person matches. Someone else’s returned payments tied to you through a shared bank account or similar identifiers.
  • Identity theft and account takeover. Deposits made by someone using your bank account or identity.
  • Bank errors. A payment returned because of a bank mistake, reported as your fault.
  • Obsolete history. Old negative payment records that should no longer be reported.
  • Shallow disputes. A dispute closed without reviewing the proof you sent.

How to dispute VIP Preferred

VIP Preferred’s FACT Act Report page says Pavilion Payments Gaming Services, Inc. will investigate any item in your file that you believe may be inaccurate or incomplete. Its site does not give further dispute steps, so use these channels:

  1. Request your file. Call 800-500-1973, or fill out and print the FACT Act Disclosure Form from that page and mail it to Pavilion Payments Gaming Services, Inc., Attn: FACT ACT Support, 2800 S River Rd, Des Plaines, IL 60018. The CFPB says VIP Preferred provides one free report every 12 months on request. VIP Preferred says it asks for identifiers such as your Social Security number or driver’s license number to locate your file.
  2. Dispute in writing. Send a letter to the same FACT Act Support address identifying each item that is wrong, why it is wrong, and what it should say.
  3. Attach proof. Include copies of bank statements showing the payment cleared or was repaid, letters from the casino or sportsbook, or an identity theft or police report.
  4. Check the address on the current form. The CFPB’s listing shows an older mailing address (P.O. Box 480357, Niles, IL 60714-0357). Use the address printed on VIP Preferred’s current form, and keep proof of mailing.
  5. Dispute with the casino or sportsbook too. The CFPB advises disputing with both the reporting company and the company that supplied the information.
  6. Third parties need authority. VIP Preferred says someone acting for you needs a power of attorney or specific written instructions signed by you.

How to contact VIP Preferred

  • FACT Act report page: vippreferred.com/facta-report
  • Phone: 800-500-1973
  • Mail for file requests and disputes: Pavilion Payments Gaming Services, Inc., Attn: FACT ACT Support, 2800 S River Rd, Des Plaines, IL 60018
  • Customer service email: [email protected] (for your own protection, do not email your Social Security number)
  • VIP Preferred office: 7201 W Lake Mead Blvd, Suite 450, Las Vegas, NV 89128

Your rights under the FCRA

  • Accuracy (15 U.S.C. § 1681e(b)). VIP Preferred must follow reasonable procedures to assure maximum possible accuracy of the information it reports about you.
  • Reinvestigation (§ 1681i). After you dispute, it must conduct a reasonable reinvestigation, free of charge, generally within 30 days, notify the furnisher, and correct or delete information that is inaccurate, incomplete or cannot be verified.
  • File disclosure (§ 1681g). You may see all information in your file and its sources, including who has requested your report.
  • Free disclosures (§ 1681j). You are entitled to a free copy within 60 days after an adverse action, and the CFPB says VIP Preferred also provides one free report every 12 months on request.
  • Identity theft blocks (§ 1681c-2). If you send an identity theft report, the company generally must block information that resulted from the theft.
  • Reporting time limits (§ 1681c). Most adverse information older than seven years may not be reported.
  • Adverse action notice (§ 1681m). A casino or sportsbook that refuses your check, deposit or cash advance based on a VIP Preferred report must tell you, name the reporting company and explain your rights.

Can you sue VIP Preferred?

Yes, if VIP Preferred reported inaccurate information because it did not follow reasonable procedures, or if it failed to reasonably reinvestigate after you disputed. Examples include continued declines over a returned e-check you proved you repaid, or deposits made by someone else on your account after you reported the fraud.

What you may recover. For a negligent violation, you may recover your actual damages, such as out-of-pocket costs and emotional distress, plus attorney’s fees and costs (15 U.S.C. § 1681o). For a willful violation, you may recover actual damages or statutory damages of $100 to $1,000, punitive damages, and fees and costs (§ 1681n).

The deadline. An FCRA lawsuit generally must be filed within two years after you discover the violation and no later than five years after it occurred (§ 1681p).

Keep the decline message or notice, your VIP Preferred file, your dispute and any response.

Get a free case review

If a VIP Preferred report was wrong and the company would not fix it, act promptly. FCRA Attorneys represents consumers in federal court on contingency, so there is no fee unless we win. Contact us for a free case review, or see our FCRA practice and the other companies we cover.

Questions about suing VIP Preferred

Can I sue VIP Preferred?

Yes, if the facts support a claim. The CFPB lists VIP Preferred as a consumer reporting company that provides consumer data to casinos, online sportsbooks and other gaming businesses to assess the risk of check cashing, ACH and cash advance transactions. If it reports inaccurate information without reasonable procedures, or fails to reasonably reinvestigate your dispute, you may have a claim.

Who owns VIP Preferred?

The CFPB says VIP Preferred is a Pavilion Payments solution and that Parthenon Capital owns Pavilion Payments. VIP Preferred's FACT Act page says Pavilion Payments Gaming Services, Inc. handles report requests.

How do I get my VIP Preferred report?

Call 800-500-1973, or print the FACT Act Disclosure Form from VIP Preferred's FACT Act report page and mail it to the address on that page. The CFPB says VIP Preferred provides one free report every 12 months on request.

What does it cost to bring a case?

There is no fee unless we win. FCRA Attorneys handles these cases on contingency, and the FCRA lets a successful consumer recover reasonable attorney's fees and costs from the company.

Related reading

Sources

Updated November 2026. This page is general information, not legal advice.

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