Steam restricted my credit card and support refuses to answer or help

[scrt]

So for about 1-2 weeks now i am unable to complete any purchase or to add any funds to my steam wallet. The only other option i really have is buy steam gift cards off g2a which costs me 10-20% more - as steam gift card in store don't really exist where i live.

I ask support why is my card restricted and can it be fixed - they answer that they keep records only for a short while - keep in mind this issue is NOT older than a month or 2 weeks even.

Their fix is - buy wallet codes. How - i ask them. Their response - i can't fix this for you and then they close the ticket

So steam support keeps avoiding answering my questions and keeps repeating the same copy paste response saying they can't help.

What am i supposed to do and what are my options now?

[ReBoot]

Start by describing the problem. So far, you've we know it's something with your CC on Steam. But what?

[IFIYGD]

What type of card is it Visa? Mastercard? Bank issued credit/debit card?
Is your Store region the same as your billing address region?
Have you checked with your bank or credit card company to see if they have blocked purchases from Steam/Valve?
Are you getting an error when you try and if so, exactly what does the error say (exact wording).

And how to buy wallet codes not on the Steam Client or website? Well, that depends on where you actually live: https://help.steampowered.com/en/faqs/view/5BB2-E986-A733-CF0E (You can buy them in some physical brick & mortar stores).

[scrt]

IFIYGD eredeti hozzászólása:

What type of card is it Visa? Mastercard? Bank issued credit/debit card?
Is your Store region the same as your billing address region?
Have you checked with your bank or credit card company to see if they have blocked purchases from Steam/Valve?
Are you getting an error when you try and if so, exactly what does the error say (exact wording).

And how to buy wallet codes not on the Steam Client or website? Well, that depends on where you actually live: https://help.steampowered.com/en/faqs/view/5BB2-E986-A733-CF0E (You can buy them in some physical brick & mortar stores).

Quoting the error that it throws when it fails to complete the purchase:

"An unexpected error has occurred. Your purchase has not been completed.
Please wait a few minutes and try again.
If you encounter this error repeatedly, please contact Steam Support."

As for wallet codes - i live in Lithuania - and i can't buy them anywhere.

Also googled the issue and some people on reddit have talked about it and the general idea i'm getting is that it's some fraud prevention thing
Though bringing this up with support didn't bear any fruit;
Asking if it's even possible to lift the restriction resulted in the support not even acknowledging that i even asked anything about it

Here's some ss instead of me writing paragraphs:
https://prnt.sc/p_beWz7G_AP2
https://prnt.sc/p93BTG4H9Q-7
https://prnt.sc/hyH3fLiqsZgN

And yes - i have also provided the same ss of the converstion with my friend about the possible cause

P.S. them saying they can't lift the ban for me isn't answering is it POSSIBLE; wondering if it's possible after being provided sufficient information

[ReBoot]

You have to learn to take a "no" for an answer. I've just read their last reply and I'm wondering on which grounds you're wondering. Yes, it sucks, I ain't gonna deny that. You have, however, to accept that what happened, happened.

From another answer, it's about the PAYMENT METHOD. Meaning you can resolve this by getting another payment method. Another card, a PayPal account (or an account with some other supported payment service).

PS: props to the support agent to reply in such a clear & civilized manner to a request that incoherend. Bruh, you really need to work on your grammar (as well as understanding an answer you don't like). I've been working L3/2 support and I sure AF am glad the L1 dudes have been censoring my replies.

[scrt]

If anyone had any websites that i can buy steam gift cards or anything like that without or at least very little extra money - please send the links as it seems that might be my life for the foreseeable future

[ReBoot]

scrt eredeti hozzászólása:

If anyone had any websites that i can buy steam gift cards or anything like that without or at least very little extra money - please send the links as it seems that might be my life for the foreseeable future

Have you considered trying another payment method?

[scrt]

ReBoot eredeti hozzászólása:

You have to learn to take a "no" for an answer. I've just read their last reply and I'm wondering on which grounds you're wondering. Yes, it sucks, I ain't gonna deny that. You have, however, to accept that what happened, happened.

What I haven't understood is whether this is an account

PS: props to the support agent to reply in such a clear & civilized manner to a request that incoherend. Bruh, you really need to work on your grammar (as well as understanding an answer you don't like).

Sorry for bad english

But also how am i supposed to buy things on steam then?

[scrt]

ReBoot eredeti hozzászólása:

scrt eredeti hozzászólása:

If anyone had any websites that i can buy steam gift cards or anything like that without or at least very little extra money - please send the links as it seems that might be my life for the foreseeable future

Have you considered trying another payment method?

I have a mastercard and that's it really

[ReBoot]

scrt eredeti hozzászólása:

ReBoot eredeti hozzászólása:

You have to learn to take a "no" for an answer. I've just read their last reply and I'm wondering on which grounds you're wondering. Yes, it sucks, I ain't gonna deny that. You have, however, to accept that what happened, happened.

What I haven't understood is whether this is an account

PS: props to the support agent to reply in such a clear & civilized manner to a request that incoherend. Bruh, you really need to work on your grammar (as well as understanding an answer you don't like).

Sorry for bad english

But also how am i supposed to buy things on steam then?

https://steamcommunity.com/discussions/forum/0/4625853880055437952/?tscn=1731312211#c4625853880055439262

It's less about bad English and more about patience. TAKE YOUR TIME to understand what's been said, take your time to word your request. You can also use online servies such as DeepL.

Speaking of patience, this is a forum, not a chat. Post a thing, wait for replies. When a couple are there (or enough time passed), reply to those. Don't just post away while there's someone else posting.

[D. Flame]

Steam Support doesn't seem to have any accountability, so if they get a ticket that they don't know how to handle, rather than try to help, they just close it and move on.

Does your country have prepaid credit cards available, like Visa or Master Cards that you can refill at a retail store? You could try those.

Have you looked into a something like Paypal? That might let you pay with your credit card by adding a layer between the card and Steam itself.

[Chika Ogiue]

So the messages are stating that you or the card holder (if different to you) performed a charge back or Valve decided the card was used fraudulently -- based on data that is not made public.

For that specific credit card, there is nothing you can do. It cannot be used again on Steam.

You could try asking the issuer of your credit card to issue a new number, but there is no guarantee that that card won't also face the same problem on Steam. It really does depend on the specifics of what happened, and that isn't public knowledge.

[Komarimaru]

Chika beat me to it. The payment method did a charge back. You can no longer use that card again on Steam ever again. You've no choice but to get a new card issued from your bank/creditor/credit union with different payment infomation or get a whole new card period.

[scrt]

Thanks for all the help, as for the event that likely sparked steam's suspicions of fraud - in one of the sc's i have talked about being charged back the money that i spent myself on a game on a different steam account - that i ~have not~ charged back; i just got a notification from my bank that the euro i spent on a game was given back to me for some reason.

I have created a paypal now; though i was hoping i wouldn't need to go through extra hoops that make the day to day life just a little more complex - i guess that was the only option

For the way i saw it - i didn't do any fraud or anything that would result in such a restriction - even more so that it's literally impossible to lift, forcing the user to spend his time looking for alternate ways; The charge back wasn't something that i even looked at, tried or wanted - i just randomly got the money back in my bank account for whatever reason and i have no clue at all why or how that happened. And how is the user even supposed to know?

As some here said that supports answer was sufficient and clear - for the answer whether it was even possible to lift the restriction at all - i did not find the supports answer "i can't remove this restriction for you" sufficient, as i clearly asked them to specify - whether it's possible given the right information;
As for them keeping the records only for a short time - i understand that steam has a lot of traffic, but what is "short duration"? Surely it could be like one month, right? Doesn't seem so

And thanks again for your replies

[scrt]

ReBoot eredeti hozzászólása:

scrt eredeti hozzászólása:

For the way i saw it - i didn't do any fraud or anything that would result in such a restriction - even more so that it's literally impossible to lift, forcing the user to spend his time looking for alternate ways;

You didn't but someone using your credit card did. Someone else had access to your credit card and used it, triggering all of this.

You aren't punished, your credit card is. That you have to "jump through hoops", so to speak, sucks, sure. The ur-problem is that someone else used your credit card. Find the cause for this ur-problem and solve it. You are supposed to take care of your own belongings, including (but not limited to) credit cards.

Nobody else used my credit card, but me - it is as secure as it gets; For ANY purchase or charge to happen i have to manually input the code in my phone when buying anything

I really appreciate the help, though

[D. Flame]

ReBoot eredeti hozzászólása:

scrt eredeti hozzászólása:

For the way i saw it - i didn't do any fraud or anything that would result in such a restriction - even more so that it's literally impossible to lift, forcing the user to spend his time looking for alternate ways;

You didn't but someone using your credit card did. Someone else had access to your credit card and used it, triggering all of this.

You aren't punished, your credit card is. That you have to "jump through hoops", so to speak, sucks, sure. The ur-problem is that someone else used your credit card. Find the cause for this ur-problem and solve it. You are supposed to take care of your own belongings, including (but not limited to) credit cards.

I have had something similar happen through a different company.

There was a processing error, not my fault, not the fault of the company I was purchasing through. I called the company, they told me the payment failed to process. I called the bank, found the issue, got it corrected. I called the company back, they reran the payment, it processed successfully, and they unblocked by card.

That is the way it should work. "we don't know; ticket closed," is just terrible customer service.