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討論區規矩與守則
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User buys your items with a stolen CC.
You use that money to buy some game.
Money is chargebacked.
Your game is removed and find yourself with a negative wallet balance.
You have to bear a week of fighting with Support to sort things out.
(And if you traded the bought game/item) you have to bear a locked account and being marked as a scammer
That's how the feature protects you. Stopping those funds to reach the market.
I would assume that if they are trying to correct the illegal actions then they would remove the game first, at which point they have to "give you the money back for 1 second". Then they remove that money, which puts you back where you started....at a positive balance. Then they give you your item back. Person with stolen CC gets the refund because it was stolen. The person that got hacked gets told they were hacked and needs to verify in some way that they have control again. Steam tries to find the person that hacked the account(unlikely but ok). All users involved are back to where they were before the hack. If found, the hacker gets charged for damages to valve. If not they claim tax deductions and don't actually lose any money anyways.
The ONLY reason they implemented this feature is to save themselves potential support costs at the expense of legitimate users. They didn't do this to protect users. It doesn't protect us. There is already a remedy for these situations. It's called support.
When the money is chargebacked, you suddenly are 5$ short of money. The game is removed, and you are still to pay those 5$ you 'owe' for the game you bought.
Long Story short again: Buy in game items with stolen CC, sell those items for paypal money out of the market. You just washed dirty money from a stolen credit card.
(BTW, this already happened many months ago with a series of russian scammers)
Well either valve will say you got it in good faith and let it go so you aren't short or they remove the game and HAVE to refund the 15$ and remove the 5$. If you didn't do anything wrong then they can't just take something away that you paid for without giving your money back. (ok there's probably something in the TOS that says they can but it would be REALLY bad PR and they'd have to make sure it's legal for them to do that in EVERY country which of course will all have different laws as well as different state laws in the us alone)
But they do. A compromised account is often precisely WHY they do it - there's less risk of being found out.
I think you're failing to understand the chain of events here.
Tito Shivan has pointed them out, and used the term "washing money" - this is very appropriate.
If Valve end up out of pocket they ARE going to take it back from you. It is then up to YOU, or the other parties to make good. That's how these things work.
It's much like if I buy a car with a credit card, and that car turns out to be faulty in some way that I reject it, requesting full refund. The seller refuses, and I can therefore go to my credit card provider and INSIST they reimburse me as they lent me the money, THEY are responsbile for it.
They then reimburse - after I shown them evidence of course - and THEY in turn go after the seller to reimburse them.
It's a simple chain of events.
In that case it seems like valve would have to refund the account the purchase was made from or they'd be knowingly keeping proceeds of crime due to the fees they charge. And I don't think valve could take the item and still try and charge the 5$. They'd have to reverse all the transactions.