Your Funds Verification system is complete nuisance and needs overhaul.

[Mary Virgin]

I am being market banned for using same bank debit card everytime I add steam funds. How can your system be so dumb it can't recognize and co-relate same card details again and again and seeks a 'verification' everytime, even if card details have not been changed and edited before use? Once a card has survived a cool down why is it thrown through verification again? It is also unfair that you take payment in steam wallet allow people to buy games but will only stop them from selling or using market in name of verification. It's hypocritical. In which case you must have a system that will not even allow any addition to steam wallet and ban purchase of all items till your verification is over and you must have a system that verifies a card once and after it is there is no more of this nonsense harassment! I am seriously considering buying non-steam versions now on GOG or Amazon. There is so much rubbish one can take. A legal bank card gets so much harassment but using steam wallet pre-paid redeem codes is OK where funds used cannot be verified at all? What gives?

In Asia the daily conversion rate changes by the hour and even banks can't help me determine your exact dollar value of the ridiculous verification authorizations you make. Why do you need funds from our bank accounts to even verify?

You guys realize right that market banning people in middle of a holiday sale for using their same credit cards for a millionth time now stops them from selling their Holiday cards before due expiry date and leaves them with a huge loss? Is this your idea of a fairness? What should I do with my sale cards now? Panic trade them in a loss making deal? How can you guys be so bloody ignorant and rubbish?

[Mary Virgin]

And in my case ♥♥♥♥♥♥♥ steam messed my 2/3 chances by throwing an error message leaving me in a blind spot. Now I can't have any more chances. What pathetic system is this!

[HLCinSC]

The system is still a work in progress. It is only 6 months old. Just like how they are trying to implement local currencies in everyone's storefront, they are doing the same, albeit more slowly, with the payment verification system. Right now, if the payment system does not utilize your local currency the charge is most likely done in USD. Steam has no way of knowing what conversion rate each bank uses and when.

As Wuddih stated, your bank should of been able to tell you the original charge they received. They may be reverse converting the amount you were charged instead which leaves room for error.

[Mary Virgin]

But why should I suffer? Why can't I sell my sale cards knowing I will lose all money on them now? I can't ♥♥♥♥♥♥♥ sell them and can't ♥♥♥♥♥♥♥ buy them to finish the mess. Where is the justice in this? And I can't change my bank account that has helped me get a home mortgage loan and handles my insurance merely because Steam can't figure this out! What kind of a solution is that?

[Mary Virgin]

Most importantly why accept money in steam wallet pending verifcation at all? Why selective ban on market and no stop on adding funds or buying games? Any answers? You want to verify fine hold the money on standby and verify and don't let any transaction happen in the days stipulated. Why such selective ♥♥♥♥♥♥♥♥? How ethcial is that?

[HLCinSC]

I don't think they claim justice. This is a hassle for them on their side as well. They would love to get your money without any extra hurdles thrown in. Unfortunately, Steam is plagued with credit card fraud and the new funding source restriction was added long ago to help combat that fraud. This summer they added the temp charge payment verification as a trial to help mitigate the inconvenience for legit customers. This is a common technique used by many companies.

The system is slowly expanding to be viable for more users, but no end date is in sight for everyone. They pay people to research and come up with systems that must balance risk with reward and costs. If you can find an alternative system that isn't a lot more costly for this problem, then by all means post it and pass it on to Steam Support and get other people with the same problem to do the same.

[HLCinSC]

Batman eredeti hozzászólása:

Most importantly why accept money in steam wallet pending verifcation at all? Why selective ban on market and no stop on adding funds or buying games? Any answers? You want to verify fine hold the money on standby and verify and don't let any transaction happen in the days stipulated. Why such selective ♥♥♥♥♥♥♥♥? How ethcial is that?

You purchasing games with fraudulent funds only affects you and Steam. You buying and selling on the market along with trading has the potential to affect a near infinite number of users as items can be shuffled around an unlimited number of times before the fraud is detected. Then support has to go through, investigate, and either remove things from other users or duplicate them lowering their value.

[Mary Virgin]

I don't use a credit card. I use a debit card that cannot be spend outside the money in account and there is no credit in it and I get messages the instant a transaction happens. Lets discard that and presume a guy were to get hold of my card or my steam account anyway and do a fraud - he can still buy many games gift them away all the same while he can get paid for it through bots or paypal elsewhere. Just as people's inventories are raided and looted. So how did this market ban help? The whole account should have been in freeze 5 days in which case if that is the sole concern. Under any case there are precedents where people verified successfully and were locked up again next time they used the same card. So why is that verification redundant? I know you are trying to help but more and more questions popup. In which case make also gifting from purchase locked up 5 days.

[HLCinSC]

Batman eredeti hozzászólása:

I don't use a credit card. I use a debit card that cannot be spend outside the money in account and I get messages the instant a transaction happens. Lets discard that and presume a guy were to get hold of my card or my steam account anyway and do a fraud - he can still buy many games gift them away all the same while he can get paid for it through bots or paypal elsewhere. Just as people's inventories are raided and looted. So how did this market ban help? The whole account should have been in freeze 5 days in which case if that is the sole concern.

Game gifts cannot be traded for 30 days after purchase, way past the week market/trading restriction. they can only be gifted earlier than the 30 days. If someone were to gift fraudulently bought games to another account, then they are likely to be in on it and may justifiably be inconvenienced.

[Mary Virgin]

Not someone - a hacker if the idea is to stop them. In which case game gifts also need be banned some days. Else the system makes absolutely no sense. if the excuse is to protect an account or inventory it has to be all the way. It can't be half way like this. And it can't be a lockdown everytime a verified card is used which is indded the case now for so many people. Many banking systems use multiple passwords and net secure codes in addition for safety so why not that?

[HLCinSC]

Batman eredeti hozzászólása:

Not someone - a hacker if the idea is to stop them. In which case game gifts also need be banned some days. Else the system makes absolutely no sense. if the excuse is to protect an account or inventory it has to be all the way. It can't be half way like this. And it can't be a lockdown everytime a verified card is used which is indded the case now for so many people. Many banking systems use multiple passwords and net secure codes in addition for safety so why not that?

It makes sense if you look at the big picture. Since trading game gifts is restricted for 30 days, all the "hacker" could do is gift games to another account (they still can't be traded for 30 days), and I don't think most hackers are gifting to random people, they'd be gifting to their alt accounts or other "hackers"/"scammers"

They have a double code system in Steam guard codes but so many people let themselves get willingly phished and allow the hacker/scammer access to their entire computer, which is extremely hard to protect from after they have ttal access.

I don't make the system or agree with all its aspects, I just try to explain it from steam's point of view beause they don't do a good job of explaining.

[The Hacker]

Batman has raised some very valid points. If Steam is going to force people to serve lockdowns for no fault of theirs right at the end of Holiday sale, shouldn't they at least extend expiry of a Holiday sale cards by a week to give real customers time to work on their inventories via market so they can buy / sell / trade to craft and sort their stuff? Does not fair play demand the same? Why should innocent people be penalized for using their real bank accounts and not given extra days to finish their business because Steam cannot recognize genuine transactions? Or is expecting an extension too much common sense? if they are forcing innocent people from using markets and forcing them to suffer losses leading to days of expiration or beyond the expiration dates then how exactly is it fair and ethical? How can this be explained if those folks don't even get a chance to carry their business if they are locked on such important dates? This is sheer arrogance and high handedness in which case.

[HLCinSC]

The Hacker eredeti hozzászólása:

Batman has raised some very valid points. If Steam is going to force people to serve lockdowns for no fault of theirs right at the end of Holiday sale, shouldn't they at least extend expiry of a Holiday sale cards by a week to give real customers time to work on their inventories via market so they can buy / sell / trade to craft and sort their stuff? Does not fair play demand the same? Why should innocent people be penalized for using their real bank accounts and not given extra days to finish their business because Steam cannot recognize genuine transactions? Or is expecting an extension too much common sense? if they are forcing innocent people from using markets and forcing them to suffer losses leading to days of expiration or beyond the expiration dates then how exactly is it fair and ethical? How can this be explained if those folks don't even get a chance to carry their business if they are locked on such important dates? This is sheer arrogance and high handedness in which case.

It's just standard operating procedure for them. It's not like it's new or they are hiding it https://support.steampowered.com/kb_article.php?ref=1047-edfm-2932 . It's kind of like how if you make a deposit at a bank after a certain time of day it won't be available until the end of the next business/banking day or when you transfer money from your paypal account back to your bank account.

They give you a way out of it but they can't do much if your bank doesn't support it.

[The Hacker]

This is not about cooldown period and how many transaction days is needed. This is about giving genuine people a chance to work their inventory of sale cards if Steam is going to ban them on crucial dates of sales season leading to losses for no fault of theirs. In bank when you deposit a cheque, it does not impact your personal inventory of sale of items. Here it does. They are 2 different things. You can stop me from buying an item till bank verifies the payment but cannot stop me from selling what I already bought before whose payment has been cleared. It is highly unfair if real people use real credit cards, and are stopped from buying/crafting/ different things again. selling sale cards and if their inventory has to lose on cards because they steam thoughtlessly blocked them from selling on the very dates the cards expire. In which case there should be fair transition window for them. Why should people suffer losses in inventory if they are not being allowed to even sell their stuff in the cooldown period and force them to miss the dates of expiry of their valuable items??? I can understand they not being able to buy something new but not being able to sell what they already own and then being forced to watch those items expire into a total loss? How is that fair or comparable? If I have 100$ worth of sale cards perishable on 2nd January and I am prevented from buying needed cards to craft the sets on time and if I am stopped form selling what I have and can't craft on the dates they expire, before and after, for a whole 5 days and those items destruct and I lose 100$R riding over it, who will compensate me? If steam can't compensate me for my losses they forced on me why should I suffer? How does this make sense? This is an example of what is happening. And steam has forced thousands of their customers to suffer such losses arrogantly. They deserve an extension if they are going to be banned by a system that is not working 100% the way it should. Because right now what's happening is downright criminal. people have a right to claim they have suffered injustice. Why should people suffer monetary losses on perishable items and how can they be stopped form selling them before they expire totally? if this system has been around 6 months it is appalling that it still exists in this state.

[The Hacker]

Simply put - If the system is to stay then Steam should have a window of disposing sale cards for 2 weeks after a holiday sale has ended. The date of expiry of sale cards cannot be the same date as sale end. It should expire some days later. You cannot have a cutoff date that ends on the very date the sale ends if people have been locked up on those dates merely for giving you business which maybe you really don't deserve seeing this mess. Or is that too much common sense?

[HLCinSC]

I agree that existing funds/items should not be restricted.