Howdy, Stranger!
It looks like you're new here. If you want to get involved, click one of these buttons!
Quick Links
Attention Please!
silkworm
Member Posts: 163
in Neverwinter
Do not advise people to charge back!
Comments
-------------------------------------------
Control is an illusion!
LOL, PWE will punish you. I had a good laugh at that one.
To be honest I'll admit I'm having trouble generating any sympathy, think my give a **** is busted. Considering how blatant the whole beta/live shop thing was; kinda hard not to see this coming.
being punished by PWE least of your worries because being charged for fraud is not good hehe
The chargeback mechanism exists primarily for consumer protection. Holders of credit cards issued in the United States are afforded reversal rights by Regulation Z of the Truth in Lending Act. United States debit card holders are guaranteed reversal rights by Regulation E of the Electronic Fund Transfer Act. Similar rights extend globally, pursuant to the rules established by the corresponding card association or bank network.
A consumer may initiate a chargeback by contacting their issuing bank, and filing a substantiated complaint regarding one or more debit items on their statement. The threat of forced reversal of funds provides merchants with an incentive to provide quality products, helpful customer service, and timely refunds as appropriate.
So as far as PWE is concerned they are full of bullshit.
If you've taken reasonable steps to contact their customer support, noted the time and date of each attempt, printed out copies of correspondence and so on, and not been able to come to a solution that both parties agree upon, that'll be enough for the CC company.
This sounds like some employees already on shaky ground from a massive screw up, wanting to prevent having to tell the bosses their error is now costing money. It is of course just common courtesy to contact the company first and offer the chance to work things out without costing them extra money.
I've never heard of Visa freezing a card or anyone being "punished" for requesting a charge back. You submit your case and simply get a yes or no in return. The only thing Cryptic/PWE can do to you is ban the card and your accounts.
The post doesn't sound like it went through any sort of review process, as it sounds rather petty and threatening, but then I'm not sure if Ab is an employee or volunteer.
Glad to see I'm not the only one that read it that way. What was said isn't wrong. You should ALWAYS contact the company in question first. A charge back should only be done after communications have broken down.
In War - Victory.
In Peace - Vigilance.
In Death - Sacrifice.
Forcing chargebacks without first going through the usual refund routes is definitely considered fraud. I don't know why people think this is funny or that it's not true. All that will happen is a black mark on your credit score though.. but that's pretty important for some people. Seriously, doing this can cause you to get denied a mortgage for a house later in life.
http://www.ecommercetimes.com/story/62173.html
Looks like it's been a matter of importance for a while now. This topic actually peaked my interest and spawned some google searches on fraudulent charge-backs, which are showing some interesting results (like the above article), as most of the "debate" seems to be focused on protecting the vendor from responses to issues like we're seeing now.
For every minute you are angry , you lose 60 seconds of happiness."-Emerson
Here in the UK you also have up to 120 days or from the date of purchase to start chargeback proceedings, however it is not a cut and dry deal, if your card issuer or bank finds after issuing you with a full refund (they do this early on in most cases) that the offending company HAD tried to resolve the issues ie fixed exploits,reimbursed lost money etc then they are fully within their rights to grab back that refund from your account, and ofc all relevant punishments will follow.
So basically if your going to chargeback, make sure you have a solid reason to do so, it's a system that isn't there because you don't like something, it's there to protect legitimate claims.
the whole money back refund for people that played hundreds of hours is ridiculous... Its meant for broken products THAT YOU CAN NOT USE AT ALL and its killing the gaming industry as a whole now.
I think its something of a major concern for the gaming industry.
Best MMO experiences : EQ(PvE), DAoC(PvP), WoW(total package) LOTRO (worldfeel) GW2 (Artstyle and animations and worlddesign) SWTOR (Story immersion) TSW (story) ESO (character advancement)
The only real solid reason is when you have been a victim of false advertisement or fraud. In this case that's a long-shot considering there was no form of fraud committed by Crytpic. Services were rendered with no form of criminal malice. Before it's said, greed (pricing) is a downside to capitalism, it's not a crime.
The answer here is a boycott if you feel wronged, this targets future sales. The answer isn't using loopholes to step out of dealings that have already been delivered on.
For every minute you are angry , you lose 60 seconds of happiness."-Emerson
Given how these things work, I suspect most of the CC companies are going to come down on the side of their own customers. Especially those based in the US. Proving fraud can be difficult, in the best of situations. Given the details of these transactions, its going to be even more difficult, and likely not worth the effort.
While Chargebacks should not be entered into lightly, and they should only be used as a 'last resort' . As long as you can demonstrate that you had sufficient cause to ask for one in the first place, which should be explained when you ask for the chargeback, then your credit card service or paypal will not punish you, however, it needs to be a valid excuse and you really need to be able to back it up with some kind of evidence, and chargebacks should never be used in a fit of 'pique'. So basically make sure you have contacted the company first, several times ideally, so keep a record of sent emails because you will probably need them to show your credit card supplier etc. It does need to be said though, don't do a chargeback for a stupid reason.
That is totally untrue and nonsensical.
Just because you CAN pay it off every month doesn't mean you want to pay everything upfront. Since interests from bank accounts are NOT paid on the same dates as credit card due date a smart person will actually use CC as much as possible and pay in full when it is due, that way they earn the interest and deprive the CC company of theirs. You pay for things upfront you actually lose interest on that money that you might have earn.
Also, thousands on CC bill is really not that much on a monthly CC bill if the person earns more than $70k a year (which is NOT unlikely if the said person is a upper middle level professional).
I think you might need to learn a bit about money management.
Not going to judge anyone for doing a charge back, but honestly, what's the harm in covering your bases?
File a request for a refund with Cryptic/PWE billing support first, then file a charge back with your card issuer after you receive an email from them denying your request. You get your money back plus evidence that you went through proper steps. Locked/deleted/ignored forum posts don't count because community managers do not handle billing support, it's like complaining the janitor didn't give you a refund when you should be asking the cashier.
It's not a one-way street, companies also have their own protection, so don't go stacking the cards against your favor by doing things improperly.
Actually, I believe it's going to be very simple. For people requesting refunds on their Founder/Guardian/Starter Packs there's a list of what exactly they'll receive for the purchase, so if a CC company asks Cryptic/PWE what goods/services were provided with the purchase, they'll just point to that list and go "oh, if we refund the player we'll just delete those items off their characters".
Charge backs for Zen will be even simpler, because the only service PWE is offering in that transaction is Zen for dollars. They can (and will) point out that PWE does not dictate what customers spend Zen on, that's not the service being provided; a customer might be able to ask for a refund on unspent Zen, definitely a refund on Zen that wasn't delivered, but asking for a refund/charge back on something the customer already spent? That's not going to go down well.
i havent worked in almost two years am puttting a wife through colledge and spend most of my time bullshiting in new MMOs or Sp com games, i think im well aware of how money mangement works.
F2P may be the way of the future, but ya know they dont make them like they used to
Proper Grammer & spelling are extra, corrections will be LOL at.
And yet you spill out with that nonsense on "rich people pay upfront"...
'nuff said.