steam charged my credit card without me performing a transaction

Chompman Jul 29, 2020 @ 6:43pm

https://support.steampowered.com/kb_article.php?ref=9114-WGHM-0381

After checking that file a ticket.

#1

Karien Jul 29, 2020 @ 6:43pm

If it's $1, it'll be returned. It's just to test if your credit card provider works.

If it's more, I suggest worrying as someone has access to your account.

#2

tm0Lif3 Jul 29, 2020 @ 6:47pm

It's not $1. I have called my bank. And they will have to block my card. Thanks all.

#3

Chompman Jul 29, 2020 @ 7:30pm

Originally posted by tm0Lif3:
It's not $1. I have called my bank. And they will have to block my card. Thanks all.

The problem with that is you will no longer be able to use it for future purchases plus you do not want them to do a chargeback.
https://support.steampowered.com/kb_article.php?ref=6687-HJVM-8966

#4

Judgmental Amaterasu Jul 29, 2020 @ 7:31pm

Originally posted by tm0Lif3:
It's not $1. I have called my bank. And they will have to block my card. Thanks all.

You'll be prevented from using that card on steam anymore.

#5

tm0Lif3 Jul 30, 2020 @ 8:34am

Originally posted by Chompman:
Originally posted by tm0Lif3:
It's not $1. I have called my bank. And they will have to block my card. Thanks all.
The problem with that is you will no longer be able to use it for future purchases plus you do not want them to do a chargeback.
https://support.steampowered.com/kb_article.php?ref=6687-HJVM-8966

what does that mean? i should accept a fraud charge on my account? then steam has a serious flaw and that's not acceptable. you are saying steam is penalizing the victim?

ps. i already made a report via steam but no reply from them yet. are they really still that bad at customer support?

Last edited by tm0Lif3; Jul 30, 2020 @ 8:36am

#6

crunchyfrog Jul 30, 2020 @ 9:10am

Originally posted by tm0Lif3:
Originally posted by Chompman:
The problem with that is you will no longer be able to use it for future purchases plus you do not want them to do a chargeback.
https://support.steampowered.com/kb_article.php?ref=6687-HJVM-8966

what does that mean? i should accept a fraud charge on my account? then steam has a serious flaw and that's not acceptable. you are saying steam is penalizing the victim?

ps. i already made a report via steam but no reply from them yet. are they really still that bad at customer support?

No, what it means is that you talk to your bank.

Many banks will, under situations like this, just cancel that card, and issue you a new card. It will be the SAME card number, but have different data (noted by the CVV code being different on the back).

What you should do is ask for a NEW card with a NEW number and explain that to them.

Banks absolutely can do this. Some even do it as default.

#7

tm0Lif3 Jul 30, 2020 @ 9:34am

Originally posted by crunchyfrog:
Originally posted by tm0Lif3:

what does that mean? i should accept a fraud charge on my account? then steam has a serious flaw and that's not acceptable. you are saying steam is penalizing the victim?

ps. i already made a report via steam but no reply from them yet. are they really still that bad at customer support?

No, what it means is that you talk to your bank.

Many banks will, under situations like this, just cancel that card, and issue you a new card. It will be the SAME card number, but have different data (noted by the CVV code being different on the back).

What you should do is ask for a NEW card with a NEW number and explain that to them.

Banks absolutely can do this. Some even do it as default.

i see. many thanks. i'll check with my bank again tomorrow. but why would my bank re-issue me with a NEW card with SAME card number? i thought when a NEW card being issued it should have a NEW number.

again many thanks and much appreciated!.

#8

crunchyfrog Jul 30, 2020 @ 9:39am

Originally posted by tm0Lif3:
Originally posted by crunchyfrog:

No, what it means is that you talk to your bank.

Many banks will, under situations like this, just cancel that card, and issue you a new card. It will be the SAME card number, but have different data (noted by the CVV code being different on the back).

What you should do is ask for a NEW card with a NEW number and explain that to them.

Banks absolutely can do this. Some even do it as default.

i see. many thanks. i'll check with my bank again tomorrow. but why would my bank re-issue me with a NEW card with SAME card number? i thought when a NEW card being issued it should have a NEW number.

again many thanks and much appreciated!.

Because cards work like that, basically.

The card NUMBER is an identifier. It's linked to your bank account (if applicable). So if you cancel a card you will get the same card number, but it IS a new card, as I said, the CVV number that you enter is always different.

It's no different to when your card expires. You iwll be issued a new one with the SAME card number again.

I could go into a long drawn out explanation of why, but I'll probably get it wrong and I doubt it'll help much.

Short answer - cards ARE unique. There's more to them than just the number on the front, there's the expiry date and the CVV just to mention two things.

#9

Washell Jul 30, 2020 @ 9:44am

Originally posted by Chompman:
Originally posted by tm0Lif3:
It's not $1. I have called my bank. And they will have to block my card. Thanks all.
The problem with that is you will no longer be able to use it for future purchases plus you do not want them to do a chargeback.
https://support.steampowered.com/kb_article.php?ref=6687-HJVM-8966

Given that the charge involved isn't on his/your account, and you're getting a new card anyway, just let the bank do its thing. The new card will work on steam and your steam account won't be affected.

#10

tm0Lif3 Jul 30, 2020 @ 8:07pm

Originally posted by crunchyfrog:
Originally posted by tm0Lif3:

i see. many thanks. i'll check with my bank again tomorrow. but why would my bank re-issue me with a NEW card with SAME card number? i thought when a NEW card being issued it should have a NEW number.

again many thanks and much appreciated!.

Because cards work like that, basically.

The card NUMBER is an identifier. It's linked to your bank account (if applicable). So if you cancel a card you will get the same card number, but it IS a new card, as I said, the CVV number that you enter is always different.

It's no different to when your card expires. You iwll be issued a new one with the SAME card number again.

I could go into a long drawn out explanation of why, but I'll probably get it wrong and I doubt it'll help much.

Short answer - cards ARE unique. There's more to them than just the number on the front, there's the expiry date and the CVV just to mention two things.

thank you. i have contacted my bank and they mentioned will replace me with a new card with a new number. much thanks for the help!.

this is first time happening to me and transaction it's coming from steam. this is really weird.

#11

Spawn of Totoro Jul 30, 2020 @ 8:11pm

Originally posted by tm0Lif3:
thank you. i have contacted my bank and they mentioned will replace me with a new card with a new number. much thanks for the help!.

this is first time happening to me and transaction it's coming from steam. this is really weird.

Steam doesn't charge people unless there is a purchase.

If the charge is not on you Steam account, then someone likely got a hold of you credit card number and information and used it to make a purchase on Steam.

If the charge is on you Steam account and you didn't make the purchase, then your account may be compromised.

Keep in mind, if the charge is on your account and you do a chargeback, Valve may lock the account from further purchases until the chargeback is reversed. It is always best to work with support to avoid this issue.

#12

crunchyfrog Jul 31, 2020 @ 7:05am

Originally posted by tm0Lif3:
Originally posted by crunchyfrog:

Because cards work like that, basically.

The card NUMBER is an identifier. It's linked to your bank account (if applicable). So if you cancel a card you will get the same card number, but it IS a new card, as I said, the CVV number that you enter is always different.

It's no different to when your card expires. You iwll be issued a new one with the SAME card number again.

I could go into a long drawn out explanation of why, but I'll probably get it wrong and I doubt it'll help much.

Short answer - cards ARE unique. There's more to them than just the number on the front, there's the expiry date and the CVV just to mention two things.

thank you. i have contacted my bank and they mentioned will replace me with a new card with a new number. much thanks for the help!.

this is first time happening to me and transaction it's coming from steam. this is really weird.

I'm glad I could help.

I've had some experience with payments and the banking system, so I've come across a fair amount of the problems that exist with cards. I wondered if it was either a block or something not being setup quite correctly.

It's not unusual for banks to send out a debit card and it NOT be set up for online purchasing, especially if it's a new(ish) account. This does happen quite a lot, even here in Britain.

Going forward you should be good now. But in any case, you can equally just try a cheap purchase on Amazon or something to "test" it out.

#13

tm0Lif3 Jul 31, 2020 @ 7:43am

after this incident i think i may not want to use my real credit card anymore. steam seems very insecure. how can my credit card information be compromised? the transaction came from steam. i'm very unhappy about it as it's causing me inconvenience. i even have auto debit for my monthly installments.

i may opt to actually use a debit card now. so that i only put the intended amount when i wanted to buy the games i want.

thanks again all. happy gaming!

Last edited by tm0Lif3; Jul 31, 2020 @ 7:45am

#14

Brian9824 Jul 31, 2020 @ 7:59am

Originally posted by tm0Lif3:
after this incident i think i may not want to use my real credit card anymore. steam seems very insecure. how can my credit card information be compromised? the transaction came from steam. i'm very unhappy about it as it's causing me inconvenience. i even have auto debit for my monthly installments.

i may opt to actually use a debit card now. so that i only put the intended amount when i wanted to buy the games i want.

thanks again all. happy gaming!

Again its not steam. Your credit card information can be leaked anywhere you use it. At gas stations, restaurants, grocery stores, etc. It's most commonly leaked where a physical swipe is required such as with skimmers at gas stations. Or by an unscrupulous person copying the numbers when you give it to someone to pay.

The fact that they used it on steam means nothing and doesn't mean steam is insecure or the leak happened from steam. If it did it would be effecting far more people then you.

The first question is are you sure nothing was bought on your account. When you go here do you see any recent purchases? https://store.steampowered.com/account/history/

#15

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