tldr: has anyone else had a credit card banned from steam? any tips for dealing with it besides use a different card or different payment method?

a few steam purchases ago, i got β€œAn unexpected error has occurred. Your purchase has not been completed. Please contact Steam Support.” so i contacted steam support. i was trying to pay with my visa credit card as i have every single other time i've bought a game on steam before this error started coming up. steam is the only place that has any issue with my credit card and i have actually completed my purchases during this sale (and the one previous purchase) using that same credit card through paypal (which is much less convenient).

i feel like i have more questions than answers. so far i've had three very short responses from a support tech and have learned only these few things:

  1. my "payment instrument" has been "banned" for "unauthorized use." that didn't tell me much beyond "yep, there's an error."
  2. steam support "cannot" fix this. this one in particular makes no sense to me. why did steam tell me to contact support if all they want to do is confirm there's an error and i can't use my card? who else could fix it when only steam is affected?
  3. the "unauthorized use" is not my one failed purchase where i hadn't updated my card's expiration date in steam. this is a little scary since that's the only thing that's happened with my card that's anywhere near unauthorized use, since the credit card company of course declined it because the expiration date had changed. so . . . this means someone else tried to use my credit card number with steam, but steam support won't tell me anything at all about that. it seems to have happened around the time i got sent a new credit card with the same number but new expiration date and cvv2, so hopefully that's enough to prevent whoever that was from actually charging anything to my card.

i still have access to my steam account so this is really just an annoyance. i only have 2 credit cards and the one they've banned is the one i get rewards through, so i'd rather not use the other one. i suppose i could buy myself steam gift cards with my rewards credit card (or my other card, which gets me a discount at a specific store that happens to sell steam gift cards), otherwise i'm stuck going through paypal and trying not to let it trick me into using my bank account instead of my credit card.

i probably shouldn't have expected much different even though the error message suggested i contact steam support, but steam support has been very unhelpful. if anyone's been through a similar experience and has any advice i'd appreciate it. i'm in the US in case that makes a difference. thanks for reading about my troubles with steam support!

9 years ago*

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k

9 years ago
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Gaben doesn't want your money?? That's sad and holy cow so many annoying things valve's doing this year..:(

9 years ago
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heh, yeah i guess he wants to help out paypal a bit by essentially forcing me to go through them. it feels like a sick joke to have it suggest i contact steam support and then have steam support tell me they can't do anything about it.

9 years ago
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Try contacting your credit card company first to see if there's an issue.

9 years ago
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you mean like a fraud-type issue?

9 years ago
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My card gets misflagged for "fraud" about every third use. I call em up, give em the password and confirm the transactions on record are all ok, and they unlock it.

Call your CC first, if they confirm it's ok then time for round 2 with Valve.

9 years ago
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thanks, i wasn't thinking that maybe the credit card was blocking just purchases from steam, but they've actually done that sort of thing before...

9 years ago
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credit card says there's no problems. steam is apparently blocking it before sending it to them.

9 years ago
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9 years ago
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Yea... Was about to suggest he double check his billing address or give his info another look.

9 years ago
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did you talk to steam support about it or just figure it out yourself? my billing address / phone number haven't changed since it last worked, and i used the same info as when it worked (firefox remembers that stuff for me so no typos either), but i'll pay special attention to that next time i go to buy something from steam (probably summer sale)

9 years ago
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9 years ago
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frustrating, isn't it? are you getting anywhere with steam support?

9 years ago
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9 years ago
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doesn't look like it. i've had this issue since the halloween sale or so. that article actually makes me wish i was dealing with origin support though instead of steam...

9 years ago
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9 years ago
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not sure what you mean by high risk, but thanks

9 years ago
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Good luck with Steam support. They are one of the worst I have had the displeasure of dealing with.

9 years ago
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i can't understand, how paypal would be less convenient than buying with cc?

9 years ago
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here's how it worked before:

  1. add games to cart
  2. switch from steam wallet to saved visa credit card
  3. enjoy!

here's how it works with paypal:

  1. add games to cart
  2. switch from steam wallet to paypal
  3. click to change away from using my checking account for paypal
  4. enter paypal password
  5. switch from checking account to my visa card in paypal
  6. be frustrated

so it's double the steps, mainly because paypal tries really hard to trick you into using your checking account instead of a credit card. you can't have steam save your paypal info to make it easier, because then paypal will use the checking account. my credit card earns me rewards when i use it, so i prefer to use it to pay for anything i can. paypal has to pay fees to accept credit cards but doesn't for bank account transfers, so they make force your bank account to be the default.

9 years ago
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Login to paypal and change default payment method to card, im assuming you can aso set a default in steam though ive personally never needed to check

9 years ago
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paypal correctly doesn't tell steam where the money comes from so steam can't save that part. i just looked at my paypal settings and found a setting for a default for stores that i changed to my credit card, maybe that'll help. thanks for pointing that out; i haven't looked at paypal settings in close to 15 years now apparently and missed when they added that option.

9 years ago
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I meant to save paypal as the default payment method in steam, just checked and that doesn't seem to be an option though

9 years ago
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well it was helpful to be nudged toward looking at defaults in paypal anyway, so thanks for that :)

steam will always default to steam wallet if you have a balance there, which probably is what most people would want. it does let you save paypal info so you don't have to log in there to pay, which might actually make it just as convenient as paying directly with my credit card so long as the setting change i made in paypal works for steam purchases (it wasn't clear). i'll try it next time.

9 years ago
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But doesn't then Paypal charge additional fees from CC for every purchase?

9 years ago
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Never did with me.

9 years ago
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from my experience paypal takes a cut from the seller, so steam's getting a little less than if they'd just fix the problem so i could pay them directly, where only visa would get a cut. paypal has to pay a cut to visa too but then i'm sure they take their own cut on top of that.

9 years ago
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i noticed a charge last night for over $1000 to a hardware store's website that neither of the two people with access to my credit card made. somebody else definitely has my credit card information and my steam issue will sort of solve itself considering i'm getting a new credit card number now. if steam support would have told be anything useful, i probably would have requested a new credit card number BEFORE someone ran a fraudulent charge against it and avoided the issue with the $1000. thankfully my credit card is being pretty cool about it and i shouldn't have to pay that $1000.

9 years ago
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In all fairness if the issue was someone else making fraudulent purchases on your card support wouldn't know that, only that the card had been declined. It would or required contacting your bank/credit provider for actual details.

9 years ago
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i checked with the bank. nothing was declined or flagged as fraudulent or anything else suspicious. steam has to know why steam flagged my card number and the date when they did it. support just wouldn't tell me anything. i don't expect them to tell me which steam account tried to use it and i don't really care (that's up to them to deal with), but they could tell me it came from a different account.

i have an almost 2-month window between my last successful steam purchase with that card number and the first failed one, so there's a lot to look through to see if anything got charged to my card that wasn't me. i still don't even know if anything really happened steam-related or if they just flagged my card because i forgot the expiration date had changed since the last time i bought something there. support said it wasn't that, but since they won't tell me anything about what actually happened i can't trust that.

9 years ago
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