Transferred money to wrong account. No refund

[76561199438959140]

I used one of online banking apps where you need only your steam account name to transfer money. When typing in, I confused my account name with nickname, the money is gone to a wrong account. Opened a ticket, after around 6 hours waiting, was asked to provide the details:
* the name of account I transferred the money to
* the name of account I intended to transfer
* a screenshot of the app with the transaction

After another 6 hours waiting, the customer service responded that the money was spent and there is nothing they can do about it.

The amount is not much, but what bothers me is how unfair it feels. I would provide any required information that this is I who transferred the money from my bank account to exactly this wrong account. But steam can clearly track down these transactions, they basically admitted that this person spent my money, and they don’t want to refund. This person knew that this is not their funds, still spent them and can get away with this. Seems like a weird steam policy.

Why can’t they cancel whatever this person spent my money on and make me a refund? Feels like they just don’t want to bother.

[Tristin]

This sounds like it belongs to off-topic

[ShelLuser]

This makes 0 sense to me. Care to mention this allegid bank app, assuming it exists?

First: this is between your bank and yourself, you made a mistake in telling the bank what they had to do, and they did as you asked. As Tristin hinted at above: it has nothing to do with Steam.

Second... My gf & me also use an online-only bank, power of the Internet FTW! I never heard of an online bank which had ties to Steam / Valve like that. Most online-only banks provide digital debit cards which you can then use to do "Visa compatible" payments.

I even Googled this again, and the only thing that comes up is Steam gift cards, a Reddit post and a bit more dating 7 years ago.

Are you sure that bank app of yours is legit? Because I can't help wonder if you're not being scammed right now.

[C²C^Guyver |NZB|]

First of all you cannot transfer money between Steam accounts. Steam accounts use wallet funds and that cannot be transferred between Steam accounts, either.

You either got scammed or you're trying to scam others. Pick one.

[steven1mac]

Sending money to the wrong account can happen, there was a guy on the forums who had money appear on his account a week or two ago. Doubt it was him, but either way it is too late for you.

[76561199438959140]

The bank I used is Kaspi, legit bank in Kazakhstan. You can google kaspi.kz steam, and the link with the title 'Как пополнить игровой счет Steam без комиссии? - Kaspi.kz' will pop up.

First thing, I contacted the bank, they said the money went to Steam. Then I contacted Steam and implicitly they confirmed that they received the money by saying it was spent.

Made a screenshot of my chat with the support, uploaded to imgur but the link gets hidden.

[C²C^Guyver |NZB|]

Originally posted by trxyes:

The bank I used is Kaspi, legit bank in Kazakhstan. You can google kaspi.kz steam, and the link with the title 'Как пополнить игровой счет Steam без комиссии? - Kaspi.kz' will pop up.

First thing, I contacted the bank, they said the money went to Steam. Then I contacted Steam and implicitly they confirmed that they received the money by saying it was spent.

Made a screenshot of my chat with the support, uploaded to imgur but the link gets hidden.

One more time. Please pay attention. You cannot transfer real money to Steam accounts...at all.

The bank told you no such thing because you cannot transfer real money to Steam accounts.

Whoever told you this lied to you and you have been scammed

[76561199438959140]

Originally posted by C²C^Guyver |NZB|:

Originally posted by trxyes:

The bank I used is Kaspi, legit bank in Kazakhstan. You can google kaspi.kz steam, and the link with the title 'Как пополнить игровой счет Steam без комиссии? - Kaspi.kz' will pop up.

First thing, I contacted the bank, they said the money went to Steam. Then I contacted Steam and implicitly they confirmed that they received the money by saying it was spent.

Made a screenshot of my chat with the support, uploaded to imgur but the link gets hidden.

One more time. Please pay attention. You cannot transfer real money to Steam accounts...at all.

The bank told you no such thing because you cannot transfer real money to Steam accounts.

Whoever told you this lied to you and you have been scammed

I don't get it why you insist that it's not possible to transfer money directly to Steam account and don't want to do a bit more of research on the info I provided. Once again, just google kaspi.kz and steam, you can use google translate to get the gist how it works. This is a legit bank, widely used in Kazakhstan, there is wiki pages about it, no english tho. Dunno how else I'm supposed to prove that this is a real bank that integrated with Steam on adding funds. Besides, as I already said the support confirmed that the transferred money were spent.

[J4MESOX4D]

All you can do is wait for Support to respond but in previous cases like these, money can't always be returned which is why when using terminals or payment systems that support this, you must know your exact account name. I know Valve's systems are a bit archaic for this and mistakes can happen but users should be more careful and not mix up their login name with visible username.

[fluxtorrent]

Originally posted by trxyes:

Originally posted by C²C^Guyver |NZB|:

One more time. Please pay attention. You cannot transfer real money to Steam accounts...at all.

The bank told you no such thing because you cannot transfer real money to Steam accounts.

Whoever told you this lied to you and you have been scammed

I don't get it why you insist that it's not possible to transfer money directly to Steam account and don't want to do a bit more of research on the info I provided. Once again, just google kaspi.kz and steam, you can use google translate to get the gist how it works. This is a legit bank, widely used in Kazakhstan, there is wiki pages about it, no english tho. Dunno how else I'm supposed to prove that this is a real bank that integrated with Steam on adding funds. Besides, as I already said the support confirmed that the transferred money were spent.

He's just confused. Using bank transfers with steam is "unusual" because most banks don't do this for online services anymore.

You have two options, keep at it with Support until they understand, and fix it. Failing that do a chargeback. In this instance it is entirely legitimate and justified.

You won't be able to use that payment method anymore though.

[76561199438959140]

The ticket I opened is closed by the support as resolved, no refund been made. It had been closed when I posted on the forum. What bothers me is that the support admitted that this was my money and they were ready to transfer it back to my account but oopsie, the money was spent “sorry nothing we can do about it”. Gee, cancel the transactions this person made, if you think about it this person just stole my money. How else is it supposed to be considered…

[fluxtorrent]

Then contact your bank and do a chargeback, sucks to be Valve since it will cost them more that way. They get charged a fee for not resolving it themselves.

You won't be able to use that payment method anymore.

[76561199438959140]

Lol, there is no such thing as chargeback in Kazakhstan. Ok, I guess now I know better than to use this “convenient” payment methods, and maybe steam in general

[Crazy Tiger]

Originally posted by trxyes:

Why can’t they cancel whatever this person spent my money on and make me a refund?

Likely because they can't determine that you are sincere. People who gift friends money, get into a fight and then want the money back will say the same thing as you do, "I send it to the wrong account". They won't facilitate "gifters remorse", so to speak.

[76561199438959140]

Originally posted by Crazy Tiger:

Originally posted by trxyes:

Why can’t they cancel whatever this person spent my money on and make me a refund?

Likely because they can't determine that you are sincere. People who gift friends money, get into a fight and then want the money back will say the same thing as you do, "I send it to the wrong account". They won't facilitate "gifters remorse", so to speak.

Yeah, kinda agree. Why to ask for a screenshot tho, and then oops, your money’s gone? Why not to state that this is their policy in first place?

[Kargor]

Originally posted by trxyes:

Originally posted by Crazy Tiger:

Likely because they can't determine that you are sincere. People who gift friends money, get into a fight and then want the money back will say the same thing as you do, "I send it to the wrong account". They won't facilitate "gifters remorse", so to speak.

Yeah, kinda agree. Why to ask for a screenshot tho, and then oops, your money’s gone? Why not to state that this is their policy in first place?

Because if they can quickly find the transaction, and it hasn't been used on the receivers end, they might consider it to be less of an issue.

It's all a bit vague, since we don't have insight into Valve's support documentation where they've probably explained how certain things are to be handled, and why. However, at the end of the day, things like that are generally under a general "all transactions are final" policy, so if they wanted the transaction details and might have undone it under certain conditions, it's actually a courtesy from their side.

And, towards other people doubting the actual events: as a company that works in more places than just the US, chances are they support different payment methods in some countries. The might not do this on the same level that PayPal does, where it's part of their main business to support local payment methods, but it doesn't usually hurt to enable people to actually pay without too much of a hassle.