Last Time I will ever purchase anything from Steam

[sxymxd84]

Stay away from purchasing anything on steam and go through the actual source if it's available to you. Any type of error with your bank, and you will be told to purchase something you already purchased, even if that money still sits with Steam. What a headache. Had a purchase a month or 2 ago, and I disputed something regarding another company and Steam got thrown under the bus. Called the bank and told them that this charge was authorized. So they reverse it back to steam. I solve my fraud and close the bank account and now steam is telling me to repurchase what I already purchased? I did not get my money back and you want me to spend more money for the same product you already got my money for? Will never be purchasing anything from Steam ever again, even if it is Steam exclusive, their lost. Even provided bank statements and it's basically like oh well. SMH. After 13 years this is the best service we can expect?

[J4MESOX4D]

So you committed a fradulent chargeback but it's Steam's fault? Looks like you got yourself into a right pickle somewhere along the lines. Why did you close your bank account too?

[The Maddog]

Yeah....you need to go speak to the bank again and get a closing statement of all transactions. You'll see the money was returned.

Valve does not mess around with payments so 99.9% chance they've done nothing wrong here. The payment gets processed, you get the game. Games will only be reclaimed by Valve if the bank invalidated the payment and clawed the funds back which is only ever done for fraud issues, the very reason you closed the account.

Thats it. There's no middle ground where the payment has vannished to. The bank didnt honour the payment to Valve so you lost the game. I guarentee you a closing statement will show no payments to Valve!

Do you not find it odd you had it for a while then it just got taken away? Guarenteed fraud claw back claim from the bank.

Your call if you chase it up...but in this case (from personal experiance of dealing with card fraud payments in the UK) your story indicates the bank is in error, not Valve.

[sxymxd84]

Originally posted by The Maddog:

Yeah....you need to go speak to the bank again and get a closing statement of all transactions. You'll see the money was returned.

Valve does not mess around with payments so 99.9% chance they've done nothing wrong here. The payment gets processed, you get the game. Games will only be reclaimed by Valve if the bank invalidated the payment and clawed the funds back which is only ever done for fraud issues, the very reason you closed the account.

Thats it. There's no middle ground where the payment has vannished to. The bank didnt honour the payment to Valve so you lost the game. I guarentee you a closing statement will show no payments to Valve!

Do you not find it odd you had it for a while then it just got taken away? Guarenteed fraud claw back claim from the bank.

Your call if you chase it up...but in this case (from personal experiance of dealing with card fraud payments in the UK) your story indicates the bank is in error, not Valve.

I have spoken with the bank, probably 50-60 times in 1 month, trust me they have not received that money. I have spoken with them repeatedly. I have even provided transaction statements to Steam which shows a cleared payment at time of bank closure. This is a month or 2 after purchase, It's odd that this would show up now I agree, but if the bank doesn't have the money, and it show's as cleared, and Steam is saying it was pulled, then where is it? No one can seem to answer that question. No I did not submit a chargeback at all. But since you want to assume J4MESOX4D, what happened is my bank account was used by someone and charged hundreds of Lyft charges to my account, of which I did not authorize, nor even had the app installed or able to access the account as my phone number had changed. I submitted a fraud case with the bank concerning LYFT, so how in the world did you get a chargeback from my statement at all? I closed the bank account because my account has been compremised by a hacker / used in fraud by someone else. Why would I keep an account open that someone somewhere in the world has access to my full account routing and account number? You make no sense. Thanks Maddog for actually reading and not assuming like the idiot above you.

[Crazy Tiger]

There is no need to call someone an idiot just because of a misunderstanding. I think it's because you used the word charge and with fast reading the meaningcan be misunderstood.

You're saying they reversed itto Steam. By that I assume that you mean that the purchase went through and that the bank paid Valve (the cleared payment).
Main question is, did Valve receive that money? It would seem that they didn't.

[Spawn of Totoro]

After you reversed the chargeback, did you contact support?

If not, I suggest submitting a support ticket.

[sxymxd84]

Originally posted by patje.lol:

There is no need to call someone an idiot just because of a misunderstanding. I think it's because you used the word charge and with fast reading the meaningcan be misunderstood.

You're saying they reversed itto Steam. By that I assume that you mean that the purchase went through and that the bank paid Valve (the cleared payment).
Main question is, did Valve receive that money? It would seem that they didn't.

Steam was not supposed to be charged back in the first place, that's why it was reversed, I contacted support but my god they take forever to respond in situations like this. I even provided them a closing statement.

7/19/18
DISP REV SF-xxxxxxxx
Receipt
Purchase -$29.99

All this because someone got ahold of my info for LYFT. It's super frustrating to the max.

[Radene]

Originally posted by J4MESOX4D:

So you committed a fradulent chargeback but it's Steam's fault? Looks like you got yourself into a right pickle somewhere along the lines. Why did you close your bank account too?

Looks to me like the bank messed up - the OP didn't even mean to chargeback on Steam, and reversed the chargeback.

Don't see how that's "fraud", rather than "mistake someone at the bank most definitely got yelled at for".

[Satoru]

Your bank has the fix their issue

Steam will not do anything until the bank actually reverses it properly. As far as steam can see you stole money from them. As such your bank needs to reverse it

If they have that reversal might take 1-2 weeks to show up on steams end

You will have to contact steam support but the ultimate responsibility is on your bank

[sxymxd84]

Originally posted by Radene:

Originally posted by J4MESOX4D:

So you committed a fradulent chargeback but it's Steam's fault? Looks like you got yourself into a right pickle somewhere along the lines. Why did you close your bank account too?

Looks to me like the bank messed up - the OP didn't even mean to chargeback on Steam, and reversed the chargeback.

Don't see how that's "fraud", rather than "mistake someone at the bank most definitely got yelled at for".

Exactly!!! Latest response from Steam support states that they have reached out to their payment processor to started recouping the funds back to Steam, I'm just not sure what that means for me exactly.

[sxymxd84]

Originally posted by Satoru:

Your bank has the fix their issue

Steam will not do anything until the bank actually reverses it properly. As far as steam can see you stole money from them. As such your bank needs to reverse it

If they have that reversal might take 1-2 weeks to show up on steams end

You will have to contact steam support but the ultimate responsibility is on your bank

If you look at the date of the reversal I posted you would clearly see it has been 2 full weeks, and that is from a closing statement. Once the account is closed you cannot, and trust me I have tried a thousand times, speak with the banks customer service line at all. The reversal shows final, as I posted in my previous post, you did look at it right? It clearly shows reversed with a transaction number.

[The Maddog]

Originally posted by sxymxd84:

Steam was not supposed to be charged back in the first place, that's why it was reversed,

This confirms it's the banks fault then. Bear with me on this.

They recalimed the money from Valve (this automatically reverses the sale of the game) so, so far, Valve have done nothing wrong and acted accordingly.

What happened next however is a diffrent story all together. The bank claims they "re-issued" the payment and possibly did but"it dosent automatically mean that payment is attached to your Steam account (for numerous security reasons). Each transaction has a unique ID and onces it's cancled / reversed a new tranaction needs to be made. Lets just call this book keeping for them moment (records do have to be kept after all).

Now I have no idea how Valve systems deals with reversed fraud flags. In most cases (with the companies I've delt with here in the UK) where something like this happens, the sale is reversed and nullified. A new sale has to be processed.

Since Steam is "mostly" automatic in how it processes stuff, without human intervention, no new sale will be processed and in theory ( I do not know about practice) they should not accept rogue payments with not Steam account to attach them to.

But lets assume for just a moment they did accept it.

At this point, if the bank DID send the moeny back to Valve, it's in their system somewhere and only someone at Steam support can track it down. They'll have to do a cross check and see if their are any unallocated payments from the card you where using (which is now cancled. No small feat if you've ever worked in payment processing).

However, if they can not find it then that is that. they do not have it and the bank is in error.

Thing is, the bank paid it, took it back then re-paid it and unfortunetly, it's all automated. If A does not speak to B then simple automations kick in to protect both the retailer and the customer. Your bank "should" have told you just to re-purchase from the retailer given the circumstances.

I'm still 99% convinced the bank has not issued the payment correctly but the only way you'll know for sure is if Valve do a full search through their payment records.

Originally posted by sxymxd84:

I contacted support but my god they take forever to respond in situations like this. I even provided them a closing statement.

7/19/18
DISP REV SF-16831710
Receipt
Purchase -$29.99

All this because someone got ahold of my info for LYFT. It's super frustrating to the max.

How does this even work? American Cards are so insecure. Where's your CHIP and Pin system to protect card users?

[Radene]

Originally posted by The Maddog:

How does this even work? American Cards are so insecure. Where's your CHIP and Pin system to protect card users?

PROBABLY safest if the OP does not post those on a public forum, y'know. Hell, even the statement number or whatever the DISP REV part is would be better hidden.

[sxymxd84]

Originally posted by Radene:

Originally posted by The Maddog:

How does this even work? American Cards are so insecure. Where's your CHIP and Pin system to protect card users?

PROBABLY safest if the OP does not post those on a public forum, y'know. Hell, even the statement number or whatever the DISP REV part is would be better hidden.

@Radene didn't think it would make too much difference if the account is cancelled, but I will edit it out, was just trying to prove a point to the nay sayer, and @Maddog yeah steam said they are trying to recoup the funds to Steam, not 100% sure what that means but it looks like they are taking that transaction number and doing exactly what you said they would do, and do a full research on it and try to apply it to the right place. I have to agree cards in America are super unsafe. Chip only works in stores, not online and all transactions in the US online are credit and not PIN purchased. Only way around that here is to go and buy a Steam card itself.

[Crazy Tiger]

Originally posted by The Maddog:

Since Steam is "mostly" automatic in how it processes stuff, without human intervention, no new sale will be processed and in theory ( I do not know about practice) they should not accept rogue payments with not Steam account to attach them to.

But lets assume for just a moment they did accept it.

I think this is where Steam support is hinting at when the OP posted this:

Originally posted by sxymxd84:

Exactly!!! Latest response from Steam support states that they have reached out to their payment processor to started recouping the funds back to Steam, I'm just not sure what that means for me exactly.

Looks like Support is trying to track the payment/get the money from the bank.

[sxymxd84]

Message from Steam Support on Aug 4 @ 2:39pm | 1 hour and 6 minutes ago
Hey there,

I've gone ahead and reached out to our payment processor to start recouping the funds back to Steam.

This process can take several weeks and Steam Support cannot expedite this process.

Please let me know if you have any questions.

Best Regards,
Alanna

Message from you on Aug 4 @ 2:40pm | 1 hour and 5 minutes ago
So what does recouping the funds back to steam mean for me?

Message from Steam Support on Aug 4 @ 3:42pm | 3 minutes ago
This means the funds for the purchase will be restored and the chargeback removed from your Steam account.

Steam Support
Mandus



So..... Yeah!