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Both things have been compromised, the card itself, and the Steam account. Clearly they have had minimal access to the security code or perhaps more data on the card, perhaps through a KeyLogger. Indeed the STEAM account is the least dangerous thing that could happen. Maybe I sound contradictory because as I said my English is not the best.
These are the facts:
1) The card is already blocked. AND CANNOT BE UNLOCKED. I already spoke with my bank. IT IS IMPOSSIBLE. If it were, it would also not be recommended, because you could enter some other purchase making the situation worse.
2) I have access to my steam account but cannot request a refund, the Steam account was blocked due to suspicious activity. To verify it, THEY REQUEST TO MAKE CHARGES TO MY BLOCKED CARD. Which is impossible, as I verified with my bank.
3) I did not a charge back. In fact, the purchase has not yet reached my bank, so it still be charged back yet. Steam does not have to make a refund, it is not necessary, they have not yet effectively charged the money to mythe bank, money hans't moved, neither the goods (the creddit in my wallet), they should only cancel the purchase in total(anullation). The same operator of the bank says that the requirement to verify a blocked the card, to cancel a purchase that has not yet been made effective is LEGALLY questionable and ABUSIVE: She recommends making a complaint to the consumer defense office, file a report in the compute crimes center of the federal police, and making a charge back as soon STEAMS tries to charge the money.
4) I am on my way to file a complaint with the computer crimes center of the federal police in my country. Following my bank assesor advice.
5) It is false that I can fix that. I cannot unlock the card, the identity verification method that STEAM proposes is impossible, it involves the use of a card that has been reported as stolen. The theft is not STEAM fault but It's not my fault either. I am a victim.
6) Setting an absurd and unreachable requirement to annulate a purchase, requiring the use of an already blocked card is INDEED STEAM's fault. It's unacceptable as reported to me at the bank. More if we take into account that STEAM has not lost money in the process, since the steam wallet credit persists in the STEAM.
The thief doesn't have the money, and neither does the owner. Steam that did not lose any assets in the process, retains the money and demands something impossible to return it to the rightful owner of it. Even though the purchase has not even been made yet. In the process it is violating a law of my country, which allows the consumer to regret a purchase by returning the goods. There is enough legal support for the complaint that I am going to make in the consumer defense office and the police.
The bank's advisor, and the mastercard operator say that in fact the card CANNOT BE UNLOCKED, and that it is STEAM's legal obligation to provide an alternative method to identify me if that is the problem, and to return the money. If not, they recommended that I file a complaint with the federal police, the computer crime division, the chargeback and the consumer defense office. Since demanding such a requirement is illegal in my country, in addition to being considered extortionate.
We have reason to believe that both the steam account and the card were compromised. So it is not a mistake to have requested the lock in the first place.
Stolen cards trump those types of rules. I mean feel free to try to sue Steam and spend thousands of dollars, even if you win your account will be shut down and locked and you won't be able to purchase, redeem, etc on it anymore.
Any legal action against valve and they shut down your account.
False. In first place, the charge even made up to the bank. Second, already the bank said that they can. Also they can acept my new credit card issued in remplacement on the stolen one. Excuses.
They will only refund it to the original payment method used. ie... The original card.
Repeating that falsehood will not make it more true. The bank was very clear. The card is blocked as stolen, it cannot be unlocked, in fact it is already in process to give me a new card. Curiously, STEAM does not let me place a new credit card also in my name to verify my identity.
To tell the truth, I do not have to file a legal claim, it is a complaint for a computer crime in the police, and they will investigate. And a claim for an extortionate commercial practice in consumer defense. It does not go to court, they investigate and impose fines by executive means as has happened with other companies.
As for the account, I am not worried, in any case I will have to give my son something else, he will understand that one does not allow himself to be abused.
That's not a problem. The credit account remains the same, and refunds can be made. In fact, even the services in automatic debit subscriptions continue to work. I already discussed it with my bank.
Also as I explained before, they have not yet presented the purchase receipt to the bank, so they do not even have to refund anything, they only have to cancel the purchase.
I would expect there is a way to sort it out. But we're past the point of it just being trivial. So I would avoid arguing with everyone here about it. Go through the support process and see how it shakes out. Sometimes forum users, bank support, or Steam support can make mistakes and part of the process is working through those as well.
Thanks to those who wanted to help, instead of creating excuses to defend the indefensible. I'm glad I stood firm and stood up for my rights.
The next time someone robbed comes to ask for help, try not to call them guilty. The culprit is the thief, not the robbed. The spirit of this community is really questionable.
So basically exactly like you were told. Handle the account lock first, and then you would be able to get a refund.....
We are from the same country. As you have a agreement with a company that is not in our country, consumer defense cant act, nor the civil justice in general (you need to make a claim in california, usa, under their legal system). Who and how your CC data was stolen, maybe.
Yes and no. You are the victim, but you are also the enabler. you were careless about your security. You need to own that, and learn.
I was told that I must unlock the locked stolen credit card (imposible as the bank operator said). I was told that I can't prove that I'm not the theft without the absurd verification through the stolen card (a theft trying to restore money to the original owner...) I was told the problem should be solved by me and my bank. (but I didn't nothing beside denouncing the absurd situation) I was told that the money can't be refunded because the credit card was block (but it was refunded)
Suddenly, after talking about consumer defence angency, abusive terms, tickets not already processed by the bank they just desisted in requiring the verification of the stolen blocked credit card as a prerequisite to refund the stolen money to me, the legitimate owner. Without any further verification form of any kind.
Be happy on your false claims. Goodbye. And thanks for your help.
Yep, as i and others said the account was unlocked (of which there are multiple ways to do so) and which takes time and then you can get your refund.
Patience is a virtue. Hopefully you've learned from your mistakes how to secure your account so it doesn't happen again.