Man Sues Modo Casino, Accusing It of Exploiting His Disability and Gambling Addiction
Lawsuit Filed Against Modo Casino by Matthew Joyce
Matthew Joyce, a resident of California, has initiated legal action against Modo Casino, an online sweepstakes platform operated by ARB Interactive. He claims the casino engaged in exploitative and predatory behavior targeting his disabilities.
Details of Joyce’s Gambling and Health Challenges
Between September 2024 and April 2025, Joyce frequently gambled on Modo Casino’s site. During this period, he experienced nine months of psychosis, including delusions that he was absorbing losses from the platform to benefit other players. These mental health challenges are part of his bipolar disorder with psychotic features, along with attention deficit hyperactivity disorder, anxiety, and dissociation. He also suffers from a recognized gambling disorder, classified as a disability under California state law and the Americans with Disabilities Act.
Allegations of Exploitation by Modo Casino
The lawsuit asserts that Joyce disclosed his delusional beliefs to ARB Interactive staff, including a request for symbolic “crowning,” which the representatives allegedly dismissed as a joke. His delusions also involved claims about time travel and overcoming the casino’s random number generator, which were seemingly ignored by the casino.
Furthermore, Modo Casino is accused of exploiting Joyce’s vulnerable state by placing him in their highest VIP tier, providing gifts, promotions, and incentives that fueled his compulsive gambling. A specific VIP host reportedly reinforced Joyce’s psychotic identity, referring to him as “Modo’s Martyr” and using the abbreviation “MM” in their communications.
Financial Impact and Casino Practices
Records show Joyce spent over 5,600 hours on the site, averaging almost 14 hours daily. Despite his efforts to reduce his playtime by asking to lose his Black Diamond VIP status, these requests were denied. Ultimately, Joyce lost approximately $240,000. Additionally, ARB Interactive reported $61,000 in winnings to the IRS via a tax form.
The lawsuit also questions the fairness of Modo Casino’s payout rates, noting that Joyce’s return-to-player (RTP) percentage was around 47%, significantly lower than the advertised 84% to 95% range.
Legal Claims and Compensation Sought
Joyce’s legal team is pursuing over $1.6 million in compensatory and statutory damages, claiming the casino took advantage of his diagnosed disabilities.
Broader Regulatory Developments
In related news concerning sweepstakes casinos like Modo, new legislation is being proposed in Washington, D.C., aimed at imposing stricter regulations on these operators by expanding the regulatory power of the Office of Lottery and Gaming.
