sounds like a paypal issue.
I READ ALL THAT SHIT
I WANT A COOKIE
Every time I see something like this I'm still shocked at how blatantly Steam end-run around the credit card chargeback consumer-protection system. I mean, at least act a bit embarassed about it.
Steam wants to close a fraud ring where-in somebody makes a new account, buys a bunch of games, sells the account, then charges back all the games. So, Steam hates chargebacks.
Unfortunately, Paypal has a bunch of automatic chargeback policies because they're fuckwits, and people use Paypal as a middleman because they don't trust Valve to run away with their credit card info. So, Paypal accounts get knocked out more often than most.
It boggles the mind. Why use a middleman? Doesn't that just double the number of places shit can go wrong?
The guy on the previous page didn't use paypal.
And if there are chargebacks, then just take away those games, rather than the whole account.
The fact is, Valve has piss-poor communication. Abysmal, even, as the database breach might have indicated. To me it would seem that Valve systematically ignores emails from PayPal. Seeing how PayPal is quite a large entity, one could imagine that to provide a good service they'd do everything in their power to ensure a pleasant experience to their customers, by taking the needed actions - replying to PayPal or even perhaps not offering PayPal as payment option if it's such a big hassle for them.
As far as I know there's no way of paying Valve without using some kind of middleman, whether it's PayPal, a Credit Card company, DIRECTebanking or whatever. I'm not trying to muddy the issue; just pointing out that whatever method you use to pay Valve involves some intermediary between your bank and Valve. PayPal may be more likely to cause problems (although in my experience they're no more or less troublesome than Visa are) but to say "just skip the middleman" is pointless.
Based on my reading of it, he only used Paypal after his credit card got banned by Steam due to the chargebacks. So unless Paypal have invented time travel, they're nothing to do with the chargebacks that got his account suspended. (For once.)
Not that I disagree that involving Paypal when you have any choice in the matter isn't a good idea. Especially when dealing with a company that apparently has such a violent allergy to chargebacks that they will shut down your account at the merest hint of a disputed payment.
My guess is that the problem lies somewhere with Valve's payment processor.
I've not had any issues with PP either, but I read about them often enough that I certainly wouldn't use them if there's a direct CC option.
You -> Your financial institution (either your bank or your credit card issuer which will certainly have a bank of their own, but that's not particularly relevant here) -> their payment processor -> the payment network in question (Visa, MasterCard, Johnny's Discount Credit Card Shack, whatever, and there may be more steps in here that I'm not aware of) -> Valve's bank's payment processor -> Valve's bank -> Valve
So more like a small army of middlemen, no matter what.
Where someone like Paypal complicates things is that, they're only kind of a financial institution; you need to get your money to them from somewhere (whether your bank account or a credit card, or someone sending you money via Paypal). So they're not a replacement for your bank so much as an additional link or two between your financial institution and the payment network.
So yes, saying "cut out the middleman" is a bit simplistic, but it's effective shorthand for "cut out middlemen 3 and 4 out of 17", or whatever.
Edit: and the reason you deal with your bank rather than directly with Visa is that the bank does the talking-to-Visa so you don''t have to. And they do that because Visa have been around for so long. In all likelihood your bank will do the same thing with PayPal eventually, but as with most industries they're still about 10 years behind the man in the street.
But not with Steam. But then again we've seen Steam has had an intrusion, so although Valve isn't going to steal your details, the potential still exists for someone else to do so.
I don't have a lot of respect for Paypal as a company, but, realistically, throwing them into the mix may add one extra point where things can go wrong, but it's not likely to make a huge difference, in the end.
Just to clarify, my previous post was just using a credit card. I did have to use Paypal to purchase the $5 credit they wanted out of me as they had burned my credit card in their system after it was flagged with the "chargeback".
My biggest complaint was the fact that I was presumed guilty until I could prove my own innocence, and the 3-4 day average response time. Also, there were a few times where I waited 4 days for them to reply with "We've already given you all the info you need".
Steam Support's customer service is the worst I have ever experienced, bar none.
I thought it would be best to bring this up here:
Steam has blocked me from buying, trading/gifting games due to a chargeback from Paypal. Now I've contacted Steam support and Paypal to find out why this happened as there was money in the account. Only conclusion is that there was a transaction error but I was able to play the game in question (Arma II + Dayz) for several days before it got removed.
Steam have said contact Paypal to get the funds resent to them and after speaking with Paypal they advised to forward the money using the send money function. It turns out that this is incorrect as Steam have now told me I need to get the chargeback reversed. Everyone I speak to at Paypal says this cannot be done so Im stuck without being able to activate any games. What makes this worse is I had pre-ordered the Civ V expansion and so Im going to be unable to use this.
Have anyone had any luck with a similar scenario with the chargebacks?