Items being purchased without consent.

[Save]

I have recently had $50 stole from my steam account via a DOTA 2 purchase (a game I have never played)

I have already taken the steps to secure my account and such. I have also reached out to steam about this so far have gotten zero help.

I am wondering if I have any legal options I can pursue regarding this I understand it's $50 but the fact this is allowed to happen seems like a clear issue with the way their marketplace operates. I have also reported the account that sold me the item.

And I know someone will mention this. The item is worth $0.15 so I can't just "resell" it to recover my money.

[Mr. Smiles]

Publicado originalmente por Save:

Publicado originalmente por Mr. Smiles:

So you intend to waste support's time because you couldn't keep your own account secure?

Amazing.

That's like throwing rocks through the local police station windows when you gave a burglar the keys to your house and let them clean you out...

I see it as wasting their time as they have no system in place to resolve issues like this. Like the guy above said no matter what people will always have their accounts hacked regardless of what you do. I had my account as secure as I could yet this still happened.

If you allow me to make any sort of purchase on your platform with legit money refunds should be a LEGAL requirement regardless of the situation.

Except accounts aren't hacked, they are hijacked through either phishing or malware, both are the fault of the user for allowing to happen...

Again, amazing.

[Save]

Publicado originalmente por Mr. Smiles:

Publicado originalmente por Save:

I see it as wasting their time as they have no system in place to resolve issues like this. Like the guy above said no matter what people will always have their accounts hacked regardless of what you do. I had my account as secure as I could yet this still happened.

If you allow me to make any sort of purchase on your platform with legit money refunds should be a LEGAL requirement regardless of the situation.

Except accounts aren't hacked, they are hijacked through either phishing or malware, both are the fault of the user for allowing to happen...

Again, amazing.

So if your credit card details get stolen and you end up being in debt $10,000 it's on you to pay that back right? Since you lost the card.

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For the record I am not denying any blame. It was most likely something I did at some point - though unknown to me currently - that allowed this to happen.

My issue stems from the attitude of steam regarding this. "Sorry your money got stolen we can't do anything".

My hope for this would be a few things:
- The return of the $49.96 that was taken out of my wallet.
- Additional systems to protect others from this happening.

[crunchyfrog]

Publicado originalmente por Save:

Publicado originalmente por Mr. Smiles:

Except accounts aren't hacked, they are hijacked through either phishing or malware, both are the fault of the user for allowing to happen...

Again, amazing.

So if your credit card details get stolen and you end up being in debt $10,000 it's on you to pay that back right? Since you lost the card.

Wrong.

I say this as someone who ran their own legal advisory charity for years (mostly in disability and consumer law).

It does NOT work quite like that.

If you say, have your debit or credit card in your wallet and you leave it behind somewhere and it gets nicked, and money taken out of your account it comepltely depends whether you get that money back.

Because as I said above (that yuou seemed to ignore) ACCOUNT SECURITY IS THE USER'S RESPONSIBLITY.

This means if you had your card stolen, money taken out and you contact your bank and they find out you had your PIN number with it or they were able to easily get it, you WILL NOT get your money back at all.

But if you didn't then it means it was a failure in their systems and they DO Pay back.

So sorry, but it's exactly the same here.

[Save]

Publicado originalmente por crunchyfrog:

Publicado originalmente por Save:

So if your credit card details get stolen and you end up being in debt $10,000 it's on you to pay that back right? Since you lost the card.

Wrong.

I say this as someone who ran their own legal advisory charity for years (mostly in disability and consumer law).

It does NOT work quite like that.

If you say, have your debit or credit card in your wallet and you leave it behind somewhere and it gets nicked, and money taken out of your account it comepltely depends whether you get that money back.

Because as I said above (that yuou seemed to ignore) ACCOUNT SECURITY IS THE USER'S RESPONSIBLITY.

This means if you had your card stolen, money taken out and you contact your bank and they find out you had your PIN number with it or they were able to easily get it, you WILL NOT get your money back at all.

But if you didn't then it means it was a failure in their systems and they DO Pay back.

So sorry, but it's exactly the same here.

That's a fair point regarding that.

[crunchyfrog]

Publicado originalmente por Save:

Publicado originalmente por crunchyfrog:

Wrong.

I say this as someone who ran their own legal advisory charity for years (mostly in disability and consumer law).

It does NOT work quite like that.

If you say, have your debit or credit card in your wallet and you leave it behind somewhere and it gets nicked, and money taken out of your account it comepltely depends whether you get that money back.

Because as I said above (that yuou seemed to ignore) ACCOUNT SECURITY IS THE USER'S RESPONSIBLITY.

This means if you had your card stolen, money taken out and you contact your bank and they find out you had your PIN number with it or they were able to easily get it, you WILL NOT get your money back at all.

But if you didn't then it means it was a failure in their systems and they DO Pay back.

So sorry, but it's exactly the same here.

That's a fair point regarding that.

It's the same point, that's the thing.

That's what I said above - account security being your responsibility applies just about EVERYWHERE in the real world - bank account, service accounts, and more.

[Irn Bru]

Publicado originalmente por Save:

Publicado originalmente por J4MESOX4D:

Personally I think Valve should add an authentication layer for item purchases like they do with listings but for some reason they don't.

This would be a GREAT idea. I've sold some trading cards and had to approve the sale with Steam Guard. I should have to do the same for any purchases. I didn't know anything was wrong with my account until I got the email.

Especially considering you have to approve sales of trading cards worth £0.05, but no approval needed for purchase or £50 (or dollars or whatever currency is used)

I get that if buying with credit/debit cards there's often a need of approval for any online purcahses, at least there is in the UK, but if its using whatevers already in your wallet a quick steam guard approval never hurts. Heck even just logging into steam on my browser to reply to this post needed an approval and that took all of 10 seconds

[Save]

Publicado originalmente por crunchyfrog:

Publicado originalmente por Save:

That's a fair point regarding that.

It's the same point, that's the thing.

That's what I said above - account security being your responsibility applies just about EVERYWHERE in the real world - bank account, service accounts, and more.

I guess in the very end I see it as "A purchase was made as with any other service/good I should be allowed to return said purchase". I still have the "good" that was purchased it was not consumed so I should be allowed to return it.

[Save]

Publicado originalmente por Irn Bru:

Publicado originalmente por Save:

This would be a GREAT idea. I've sold some trading cards and had to approve the sale with Steam Guard. I should have to do the same for any purchases. I didn't know anything was wrong with my account until I got the email.

Especially considering you have to approve sales of trading cards worth £0.05, but no approval needed for purchase or £50 (or dollars or whatever currency is used)

I get that if buying with credit/debit cards there's often a need of approval for any online purcahses, at least there is in the UK, but if its using whatevers already in your wallet a quick steam guard approval never hurts. Heck even just logging into steam on my browser to reply to this post needed an approval and that took all of 10 seconds

This is a good point. In order to change my password I had to type in 3 different security codes. But when someone wants to make a $50 purchase on my account all they have to do is click a button?

[Irn Bru]

also just an extra bit, it should absolutely be raising flags that a $0.15 item was listed at an absurd price and someone purchased it at about 33,000% markup

[J4MESOX4D]

Publicado originalmente por Irn Bru:

Publicado originalmente por Save:

This would be a GREAT idea. I've sold some trading cards and had to approve the sale with Steam Guard. I should have to do the same for any purchases. I didn't know anything was wrong with my account until I got the email.

Especially considering you have to approve sales of trading cards worth £0.05, but no approval needed for purchase or £50 (or dollars or whatever currency is used)

I get that if buying with credit/debit cards there's often a need of approval for any online purcahses, at least there is in the UK, but if its using whatevers already in your wallet a quick steam guard approval never hurts. Heck even just logging into steam on my browser to reply to this post needed an approval and that took all of 10 seconds

I had £0.01p pending the other day from a trading card sale where the system was verifying the transaction was clean yet it's crazy that wallets which can house $2,000 can purchase anything to launder credit across accounts. Valve can even profit from such transactions even though they have the money from the initial wallet injections from real money sources.

[✧𝐄𝐱𝐂𝐚𝐥𝐥✧]

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After all the talk in this post I am going to fight to get the system changes to require more authentication than just clicking a button for market purchases.

[crunchyfrog]

Publicado originalmente por Save:

After all the talk in this post I am going to fight to get the system changes to require more authentication than just clicking a button for market purchases.

You can do that.

I suggest going and making a respectful post on the suggestions forum. But more than that you can't do here.

You're free of course to try and rally a cause outside it. Just keep it respectful and you should be good.

Just remember, badgering and repeatedly harrassing, even though you THINK you have a good cause will only end up with you getting banned.

[Save]

Publicado originalmente por crunchyfrog:

Publicado originalmente por Save:

After all the talk in this post I am going to fight to get the system changes to require more authentication than just clicking a button for market purchases.

You can do that.

I suggest going and making a respectful post on the suggestions forum. But more than that you can't do here.

You're free of course to try and rally a cause outside it. Just keep it respectful and you should be good.

Just remember, badgering and repeatedly harrassing, even though you THINK you have a good cause will only end up with you getting banned.

I already made a suggestion in the correct forum about this.

And I plan to remain respectful yet firm to all the support staff who take time to help me but I also plan to work my way up until I get support from someone who makes the rules if possible.