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Bank Account Being Charged?
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otomodachi✭✭✭I work at a motel in a tourist town and we specifically switched out deposits to be actual charges (which we tell everyone about when we go into cancellation policies, just saying :P ) because pre-authorizations can be so damn iffy. There are a lot of factors there, and in my 20 years of experience working and running motels, pre-auth leads to the customers funds NOT being available and yet NOT being charged, generally for longer than had been hoped or expected.
Just my two cents.
What do you gain by criticizing a CSR complaint?0 -
Daviiid_ESO✭✭✭bjeardoeb14_ESO wrote: »Forss_Davidb16_ESO wrote: »Forss_Davidb16_ESO wrote: »
Thats not the issues.
The issues is - they will hold 13€/15$ for some 5+ days. Because bank can not refund you during weekend and the refund will begin monday, tuesday it will be processed and wensday is most likely when you will see your money again.
So they tie your money for some 5+ days.
Second issue is - some of us either do not have 13€ on account, avalible funds on accounts that we do not use online ( Im sure bankers among you will agree ), pre paid credit cards that are used for online purchases, the list goes on. 1$ transaction of this type is more the suficent to validate your credit card or any other mean of payment. 13€/15$ wall is an issue for many, many players.
While there are others that do not have this issue, good for them, we who do are not comforted by this information. For that matter I dont see why these people, who do not have this kind of issues, see the need to comment on this. Perhaps its to soothe their egos. I do not know...
It probably wont take 5+ days because a refund is not what is happening here. As mentioned 500 times now, this is an authorization, the money never leaves your account. It is put on hold, then released when the authorization is complete. Zenimax doesn't recieve the money and send it back, it's all internal within your bank basically. This has never taken me more than a couple of hours in the past.
Not true, in many cases pre-authorization charges from a vendor can remain on your account up to 3 business days because this isn't entirely internal, it's also on the part of who initiates the pre-auth, they have to basically cancel their pre-auth to clear things up quickly, if not your bank has to wait for the charges to "fall off" and then the balance becomes available to you again.
They wont have your money on hold just because they can. The releasing of the authorization is probably as automated as the initiation, which should be quick.0 -
Felarrond✭✭✭Forss_Davidb16_ESO wrote: »bjeardoeb14_ESO wrote: »Forss_Davidb16_ESO wrote: »Forss_Davidb16_ESO wrote: »
Thats not the issues.
The issues is - they will hold 13€/15$ for some 5+ days. Because bank can not refund you during weekend and the refund will begin monday, tuesday it will be processed and wensday is most likely when you will see your money again.
So they tie your money for some 5+ days.
Second issue is - some of us either do not have 13€ on account, avalible funds on accounts that we do not use online ( Im sure bankers among you will agree ), pre paid credit cards that are used for online purchases, the list goes on. 1$ transaction of this type is more the suficent to validate your credit card or any other mean of payment. 13€/15$ wall is an issue for many, many players.
While there are others that do not have this issue, good for them, we who do are not comforted by this information. For that matter I dont see why these people, who do not have this kind of issues, see the need to comment on this. Perhaps its to soothe their egos. I do not know...
It probably wont take 5+ days because a refund is not what is happening here. As mentioned 500 times now, this is an authorization, the money never leaves your account. It is put on hold, then released when the authorization is complete. Zenimax doesn't recieve the money and send it back, it's all internal within your bank basically. This has never taken me more than a couple of hours in the past.
Not true, in many cases pre-authorization charges from a vendor can remain on your account up to 3 business days because this isn't entirely internal, it's also on the part of who initiates the pre-auth, they have to basically cancel their pre-auth to clear things up quickly, if not your bank has to wait for the charges to "fall off" and then the balance becomes available to you again.
They wont have your money on hold just because they can. The releasing of the authorization is probably as automated as the initiation, which should be quick.
IT's automated yes, but charges are still on my account nearly 24 hours later, so it's not as quick as you're stating either.2 -
Thanks very much ESO for taking that money out of my bank and not informing me! Went to buy some groceries and got declined on my card because the £10 I had left in my bank has been eaten into by your underhand scheme.
There is really no need to take any fee yet - let alone one for the whole 1 month sub fee... So much for a month free (it's not free to me if your tying up my cash that doesn't belong to you yet!).
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I won't get anymore money until next Thursday and I can't really would like to be able to eat some time before then...
Good job ESO... jokers!5 -
Well that sucks, you actually need that amount on any card you use just to "Authorize" it. Not exactly practical or normal. Laaame.1
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macscompSoul ShrivenIn my experience they usually just charge $1 to make sure that there is an account with money in it.Edited by macscomp on April 4, 2014 4:00PM1
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deef85b16_ESO✭✭✭nothing from moderators? even a simple post, warning they are into this?
Nope.. I even made them aware of this and other issues on their FB-page (empty bank, deleted character -> pre-order items still not restored etc etc)..
Guess they are celebrating the launch in a bath of champagne ?
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Felarrond✭✭✭deef85b16_ESO wrote: »nothing from moderators? even a simple post, warning they are into this?
Nope.. I even made them aware of this and other issues on their FB-page (empty bank, deleted character -> pre-order items still not restored etc etc)..
Guess they are celebrating the launch in a bath of champagne ?
More than likely they've soiled themselves and are running around like chickens with their heads cut off because they don't know how to respond to this.2 -
bjeardoeb14_ESO wrote: »
Doesn't make much sense when you get free 30 days, one of the very few MMORPG's that actually pings your card with an authorization for the first time you buy it.1 -
Ojustaboo✭✭✭✭✭
✭My thoughts:
1. They messed up. How on earth they didn't foresee a backlash from this decision is beyond me. So they're either incompetent or jeez I don't even know.
2. Why on earth do we have to have money in our account? We paid the box price which was said to come with 30 days free. We have zero zip nada obligations to pay them more money.
3. If you don't have more than 14.99 in your bank account (for whatever reason)(I literally mean for whatever reason) then you should put down this freaking video game and get your *** together.
WOW! is all I can say to #3. I am disabled and on a fixed income. I only get enough money to cover bills and cover 1 game, my only entertainment expense. I cancelled my LOTRO sub for this game (something I regret now). I don't have cable or any extras like that because disability benefits are next to nill. You are saying I should just give up my one and only "extra" thing because Zenimax is doing something morally and legally wrong? They lied to people. They said they would not charge, but they do and have. You are saying that as a disabled, nearly bed ridden person, who only has 1 game to entertain them, doesn't have their "*** together" and should just sit here with nothing to do? Way to go on not understanding how life works in any way, shape, or form, and on putting down large sectors of the community.
I apologize. You are most certainly an exception to the rule. However #3 still stands. For the others not in such a rocky boat that you're in. If they have time to spend on a video game but don't have 15 bucks in their account then theres a serious issue there.
Nope they are not an exception at all.
Are you saying that a person that gets up at 6am, works for 12 hrs on minimal; wage, pays their rent, and bills, is not entitled to pay $15 a month for a bit of pleasure, because that is what it appears you are saying.
Literally tens of thousands of people have to budget every month and their accounts go down to zero before they get paid. Many people earn min wage their whole life and saving up £200 for a short holiday/vacation is a huge thing to do (and often involves coins in a jar and notes in a tin at home)
According to your rules they should sit at home staring at the wall??????4 -
NezRe✭This is a very poor business practice and it wasn't disclosed to the costumers, and gives me a sour taste in my mouth before I've even had a chance to play this. It's either and oversight, or done with malicious intent, either one doesn't make me happy, and now I'm having trouble supporting this game.Why do i need to insert a game card code already. I still have 30 days left bought with the game.
So why do i need to insert a code to continue to play before 6 april??????
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Felarrond✭✭✭PenguinChan wrote: »bjeardoeb14_ESO wrote: »
Doesn't make much sense when you get free 30 days, one of the very few MMORPG's that actually pings your card with an authorization for the first time you buy it.
Actually a lot of MMOs do it, but they only pre-auth $1 to verify the card, what's odd here is that a.> they pre-auth the entire amount, and b.> they don't indicate they're doing it on the transaction page or the e-mail receipt, which technically gives you a valid complaint to submit to your bank as a fraudulent charge.0 -
deef85b16_ESO✭✭✭bjeardoeb14_ESO wrote: »deef85b16_ESO wrote: »nothing from moderators? even a simple post, warning they are into this?
Nope.. I even made them aware of this and other issues on their FB-page (empty bank, deleted character -> pre-order items still not restored etc etc)..
Guess they are celebrating the launch in a bath of champagne ?
More than likely they've soiled themselves and are running around like chickens with their heads cut off because they don't know how to respond to this.
It seems so indeed.. Their own PR tales backfiring at them made them clueless I guess.Edited by deef85b16_ESO on April 4, 2014 4:10PM0 -
Daviiid_ESO✭✭✭bjeardoeb14_ESO wrote: »Forss_Davidb16_ESO wrote: »bjeardoeb14_ESO wrote: »Forss_Davidb16_ESO wrote: »Forss_Davidb16_ESO wrote: »
Thats not the issues.
The issues is - they will hold 13€/15$ for some 5+ days. Because bank can not refund you during weekend and the refund will begin monday, tuesday it will be processed and wensday is most likely when you will see your money again.
So they tie your money for some 5+ days.
Second issue is - some of us either do not have 13€ on account, avalible funds on accounts that we do not use online ( Im sure bankers among you will agree ), pre paid credit cards that are used for online purchases, the list goes on. 1$ transaction of this type is more the suficent to validate your credit card or any other mean of payment. 13€/15$ wall is an issue for many, many players.
While there are others that do not have this issue, good for them, we who do are not comforted by this information. For that matter I dont see why these people, who do not have this kind of issues, see the need to comment on this. Perhaps its to soothe their egos. I do not know...
It probably wont take 5+ days because a refund is not what is happening here. As mentioned 500 times now, this is an authorization, the money never leaves your account. It is put on hold, then released when the authorization is complete. Zenimax doesn't recieve the money and send it back, it's all internal within your bank basically. This has never taken me more than a couple of hours in the past.
Not true, in many cases pre-authorization charges from a vendor can remain on your account up to 3 business days because this isn't entirely internal, it's also on the part of who initiates the pre-auth, they have to basically cancel their pre-auth to clear things up quickly, if not your bank has to wait for the charges to "fall off" and then the balance becomes available to you again.
They wont have your money on hold just because they can. The releasing of the authorization is probably as automated as the initiation, which should be quick.
IT's automated yes, but charges are still on my account nearly 24 hours later, so it's not as quick as you're stating either.
Well I'll be seeing that once I go through subbing here myself. Currently still on the early access time. Just saying from personal experience that I've never encountered my money put on hold for more than a couple of hours (3-6 tops), except that jeans incident of course.
However I think Zenimax will get back to people on this eventually once they figure it out (no it's not just clicking a button, and they probably need to discuss it before saying anything official.) It's just that a lot of people posting here seem to do so with the sole intention of riling people up and making a WAY bigger deal out of this than it is. It just results in a lot of misconceptions (people thinking Zeni steals from them, people thinking that you have to pay for a month in advance to get the free month when it's cancelable etc.)
Sure, it needs to be a bit refined, but please, stay calm.
This is officially my last post in this thread. I tried to be helpful, clarify some things, sadly a lot of people don't read anyway. Whatever, hope it all works out for you people.Edited by Daviiid_ESO on April 4, 2014 4:08PM0 -
deef85b16_ESO✭✭✭This is a very poor business practice and it wasn't disclosed to the costumers, and gives me a sour taste in my mouth before I've even had a chance to play this. It's either and oversight, or done with malicious intent, either one doesn't make me happy, and now I'm having trouble supporting this game.Why do i need to insert a game card code already. I still have 30 days left bought with the game.
So why do i need to insert a code to continue to play before 6 april??????
You're not alone in this one.. Defended the game also for many times, but the buildup of issues and the decreasing quality of customer support over the past days give me a sour taste too..Edited by deef85b16_ESO on April 4, 2014 4:08PM1 -
Felarrond✭✭✭What's really sad is I'll probably have a higher Forum level than my character level before long because I keep getting disconnected from game and can barely get my character logged in most of the time.0
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spartycus✭✭✭Yes Zenimax are kinda like scammers now. It should in fact said on the box in BOLD that you had to use a credit card to use your 30 free days. I have a feeling they are just trying to get that extra money from those many lazy people that forget, or just don't care about canceling their sub before the 30 days are up.2
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Almost 24 hours and I still have the $14.99 charge on my bank account.... hope they resolve this soon. I only budget a certain amount for entertainment and I spent that entire amount on the CE version of the game thinking I would have time to replenish my entertainment budget before the 30 days was up.1
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bjeardoeb14_ESO wrote: »PenguinChan wrote: »bjeardoeb14_ESO wrote: »
Doesn't make much sense when you get free 30 days, one of the very few MMORPG's that actually pings your card with an authorization for the first time you buy it.
Actually a lot of MMOs do it, but they only pre-auth $1 to verify the card, what's odd here is that a.> they pre-auth the entire amount, and b.> they don't indicate they're doing it on the transaction page or the e-mail receipt, which technically gives you a valid complaint to submit to your bank as a fraudulent charge.
From my experience in playing MMORPGS in the last few years (Even back to EQ MMO days) I don't remember them doing this. I've always had to just put in my card and no charge was ever hitting my account until the 30 days was up, especially in recent times. This is a bad practice, especially for a subscription MMORPG in today's market.
The fact that you have to have $14.99 (Or however much in the end) on your card first is stupid, and I don't have that much on it at the moment. You always expect to put in credit card information at the very least, but most subscription MMO's that are coming out don't even need that until your 30 days is up (Sometimes). It's a sour taste for a new game to do this, and something to put you out of your way just to play.Edited by PenguinChan on April 4, 2014 4:11PM2 -
Etchesketch✭✭✭✭bjeardoeb14_ESO wrote: »deef85b16_ESO wrote: »nothing from moderators? even a simple post, warning they are into this?
Nope.. I even made them aware of this and other issues on their FB-page (empty bank, deleted character -> pre-order items still not restored etc etc)..
Guess they are celebrating the launch in a bath of champagne ?
More than likely they've soiled themselves and are running around like chickens with their heads cut off because they don't know how to respond to this.
This.
They stole money and had to put it back. Pre -Auth is not what happened. They had to issue refunds.. People that don't understand this, just will never I guess. They refunded as soon as they got complaints. Some kind of rookie mistake on their part, but we are not hearing from them for legal reasons I suspect. There is a visable/legal difference between placeholder pre auths and actual charges. One requires a release the other a refund.Edited by Etchesketch on April 4, 2014 4:11PMThe number one rule of online gaming is now and has always been, Never play on Patch Day.1 -
Felarrond✭✭✭@ZOS_GinaBruno @ZOS_JessicaFolsom @ZOS_AmeliaR I see you guys answering and posting on a lot of other threads, but you have yet to reply since the OP here. What's up with that?3
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Felarrond✭✭✭deef85b16_ESO wrote: »bjeardoeb14_ESO wrote: »deef85b16_ESO wrote: »nothing from moderators? even a simple post, warning they are into this?
Nope.. I even made them aware of this and other issues on their FB-page (empty bank, deleted character -> pre-order items still not restored etc etc)..
Guess they are celebrating the launch in a bath of champagne ?
More than likely they've soiled themselves and are running around like chickens with their heads cut off because they don't know how to respond to this.
It seems so indeed.. Their own PR tales backfiring at them made them clueless I guess.
More then likely PR is trying to talk to buiseness and MBA dont understand a word unless you start with - we are loosing people XY/hr. We need to solve this.
But its friday, MBA people are high on coke doing some h**ker name Daze and really dont give a box of f***s about all of this.
Can you tell Daze to come over when she's done?2 -
BREAKING NEWS!!
its recurring cc charge fee hook, be sure cancel b4 29dayz
BREAKING NEWS!!
Edited by quicksilv3r on April 4, 2014 4:25PM0 -
Ojustaboo✭✭✭✭✭
✭
If its a preauthorize, they won't get your money. The money is still in your account until such time as your bank receives the actual 'bill.' Again, if its a preauthorize (validation of current active account), you are not loaning anyone money. You just don't have access to that money.
And someone has say their regular £7.95 ISP direct debit due out, they have £13 in the bank, Zenimax now reserves £9.99 of it, the ISP tries to get their money, the payment is refused, and the person gets both charged by the bank for returning the direct debit and the ISP for a late payment.
It could just as easily work for a mortgage (or a loan or whatever).
You have £450 due out and have £455 in the bank. Zenimax temporarily reserves £9.99 and again you don't have enough to cover your mortgage or loan, only this time, in addition to late payment charges from the loan company, returned direct debit charges by the bank, you also have your loan/mortgage payment flagged as late on your credit rating. Then when you try to negotiate a new low rate mortgage next year, companies wont consider you due to your late payment.
It really really is a huge issue and not trivial as some are making out.
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sickboy2808✭✭✭WTF is going on here?? So i got my game through today and my mate was with me he says you looking forward to playing?? I said i already have played for 3 days but i dont think id pay every month for it. Now i went to redeem my treasure map code which says i had to enter my game code first which is fine,thinking i need the 30 days anyway now.
But no you want me to put in my Credit card details just to redeem a code i already have?? Wht the hell is that all about?? I already Credit carded the game and now you want more money already??No way, i should have been able to redeem my 30 days and start playing without this crap hassle.. Also i may not want another 30 days straight away,to tell you the truth this has pissed me off that i may not ever pay a subscription,and actually im already quite bored of the game to tell you the truth..Great startEdited by sickboy2808 on April 4, 2014 4:22PMZOS takes cheating very Lightly. You have been warned, and any cheaters found out will get the Least punishment possible...4 -
sickboy2808✭✭✭Christophetes wrote: »So basically, because I only have about $12 in my bank (I'm between paydays), I'm not going to be able to play the game I ALREADY PAID FOR until next week when I have enough to cover the authorization?
What kind of nonsense is this!?
This is exactly why im so angry about this,i dont even have any money so will have to use my cc AGAIN
ZOS takes cheating very Lightly. You have been warned, and any cheaters found out will get the Least punishment possible...1 -
Flametyn✭✭✭
I've noticed that toobjeardoeb14_ESO wrote: »@ZOS_GinaBruno @ZOS_JessicaFolsom @ZOS_AmeliaR I see you guys answering and posting on a lot of other threads, but you have yet to reply since the OP here. What's up with that?
2