Bank Account Being Charged?

dtpulverub17_ESO

RipVanWinkleX wrote: »

WylieCoyote1511 wrote: »

Not sure what people are on about.

But I've not set up any payment methods, or subscription plan and it says I have 30 days remaining?

It's because you had beta access and used an early access code. So your account works BUT (serious but) --

What's a load of total BS is:

Because I had access to the beta, my account works in game and I have some imperial edition perks, but in order to put in the required code for the rest of them and the explorer pack, it's trying to force me to put in a credit card, saying it will charge the amount but I'll get it back if I cancel before the recurrence date...

This is such a blatant cash grab it's not funny. Now I'm seriously thinking about doing a charge back because I've lost what little faith I had in this game. Holding my purchased benefits ransom for a *** credit card...

Flametyn

jaschacasadiob16_ESO wrote: »

Well the Community Rules do not forbid it, as long as you dont post malicious links
http://forums.elderscrollsonline.com/discussion/60843/community-rules#latest

It is a gamebreaker article about this..

Ojustaboo

Bansheedragon wrote: »

I have a comment to those who are unhappy about only having 29 days left when they enter the game code.
It seems to be something everyone has overlooked, and I'm hoping it might help.

When you enter the game code you get 30 days free play time.
Thing is that the day you enter the game code is day 1, which means you already started using the 30 days gametime.
Its subtracting that day as day 1 of the 30 days, saying that you have day 1 plus 29 more days left so that when you come to day 30 it should say 0 days left.

The counter starts when you enter the game code, not when you install the game, as it is then assumed that you have the game installed and start playing at that time.
Regardless of whether you bought a physical or digital edition you do have the chance to install the game client before you enter he game code, as you either download it or install from a disc.

Its just a thought for those who seem to have concerns/complaints regarding this, which seems to have been overlooked.
If I overlooked/missed something the by all means tell me what that is, as I just want to help.

I think its more that the way they worded their announcement

We want all of you to know that everyone who was part of Early Access will be granted an extended grace period until Sunday at 8AM EDT/12PM (noon) GMT before being required to transition your account to live. This will cover those who purchased ESO from an online retailer and won't be getting your box shipped in time and also gives anyone in Early Access who purchased digitally more Early Access time.

that we had until Sunday implied those that bought from Zenimax didn't have to do anything (as so far, when they've talked about retail editions, they have said those that bought direct don't have to do anything).

Hence people thought their 30 days would start from Sunday.

Many have excitedly signed up for subs to find their 30 days have started already, hence they have lost out on 2 days playtime.

Might not be a lot, but its yet again something that could have been very very easily avoided if Zenimax had just worded things properly and made things clearer.

I read the initial announcement and posted a comment about it (and other things, here's the relevant bit of my post).

Even on Zenimax server announcement with their cryptic message about Early access being extended until Sunday before the need to transfer to live, there's no apology and the message doesn't make any sense.

First we don't get extended early access at all as the game goes live in a few hours hence when we log on we are no longer playing earlier than anyone else..

Second, the way it's worded looks like there's a process we have to do to transfer to a live account and we don't now have to do this until Sunday. But its worded in such a way that it looks like we now have the choice to wait until Sunday, not that it's automatic. If that is the case, loads of people wont realise and will do whatever is required as soon as they log on to switch to their live accounts.

Or are they simply saying that the 30 included playtime wont now start until Sunday. I presume and hope it's this, else there will be a LOT of confused and angry people.

If I could see what would happen and there would be loads of people fuming that they had lost two days, I'm sure people at Zenimax could have worked it out too.

Sabbatus

forgot2shave wrote: »

*snip* What I see on my end is a charge for 14.99 go through and 29 days left of game time. What exactly do you expect people are going to think when they see that?

It isn't hard to understand. Your 30 days game time starts "counting down" when you apply it - it's only 30 days game time for a second, then it's 29 days, 23 hours, 59 minutes and 59 seconds - but all you see is "29 days" because the programmers don't show you the full time field.

It's simple, really, and a common feature of most billing systems. I can't think of any billing system I've used in 25 years that isn't coded exactly the same way regarding dates.

altec812

This is a pretty normal practice. The part where they messed up is in doing the test charge for more than 1 dollar. If you have a normal bank account the money never actually comes out. It sits as a memo debit for a few days and then clears. I understand it is frustrating for those with less than the 15 dollars though.
Most every MMO has done the same when they first opened...maybe not years in, but in the beginning.
LOTRO
WOW
FFXIV
Only difference was they did it for 1 dollar, but they did require your info before the 30 days.

Ojustaboo

rewitt1981eb17_ESO wrote: »

Guys relax its against EU laws, and atleast german laws, just write them that you want your charged money back they need to do it, also inform the police and customer protection or office of fair trading. we could also do a class action against zenimaxx and fill out an online petition for the EU government.

Well I am not a lawyer but have dealt with enough problems and had to speak to the office of fair trading in England a fair few times.

The one thing I have learnt is that they only really deem it as worthy of investigation and legal action if the company intentionally meant to mislead customers, rather than a stupid mistake.

The company also has to be given a chance to put things right.

The police would think you are wasting their time

And those that bought retail, the entire contract is between you and the retail company that sold it regardless of whether the manufacture has made a bad product etc, your only legal action is against the retailer that sold it to you.

Sure often with things like faulty xboxes and playstations it's usually quicker for us to go direct to the manufacture and sometimes the retail stores will tell us to do so, legally we don't have to and it's down to the store to sort it all out (although in those cases it would usually take a lot longer to fix)

It is against EU law to temporarily take charges without informing us of it in the first place, and the zenimax post at the beginning of this thread is not good enough, when it says 0.00 when you sign up, it needs to be there. But again providing no one is left out of pocket should they receive bank charges, and the company fixes it, no action would be taken against them.

However, the problem we have is that we are dealing with a US based company, So the office of fair trading in England can complain until they are blue in the face, but they cant actually do anything legally about it.

The UK citizens advice tells us that if the purchase was for under £100, we cant force the credit card company to refund us (not that they wont)

It also says regarding the US

The Better Business Bureau can help with complaints about goods or services that you've bought from a trader based in the United States. You can also report a US trader to the Federal Trade Commission (FTC). The FTC may take action against the trader, but it won't sort out your individual complaint.

The joys of international gaming.

I wonder how this would change when the EU servers are based in the EU and whether this was also part of the reason they held off moving them

Flametyn

Sabbatus wrote: »

forgot2shave wrote: »

*snip* What I see on my end is a charge for 14.99 go through and 29 days left of game time. What exactly do you expect people are going to think when they see that?

It isn't hard to understand. Your 30 days game time starts "counting down" when you apply it - it's only 30 days game time for a second, then it's 29 days, 23 hours, 59 minutes and 59 seconds - but all you see is "29 days" because the programmers don't show you the full time field.

It's simple, really, and a common feature of most billing systems. I can't think of any billing system I've used in 25 years that isn't coded exactly the same way regarding dates.

Yeah and ToS says you can only change the sub model with 30 days of prior, than you are forced to choose recurring model at the moment you redeem the key. As a result you won't be able to change the model for the next month and you will be charged of an additional fee at the end of the 30 days even if you didn't want it.

Ojustaboo

WylieCoyote1511 wrote: »

Not sure what people are on about.

But I've not set up any payment methods, or subscription plan and it says I have 30 days remaining?

I've just logged into my account and it says the same, however I don't know what it said yesterday.

What I do know is right above where it says I have 30 days remaining it says

"Select your subscription plan, it is required in order to play"

So I suspect what this means is that we have until Sunday to select our subscription plan and at that point we will be locked out of the game if we don't.

Hence unless something has changed in the past few hours, nothing has changed and when the deadline for entering retail codes expires tomorrow, if you haven't selected a sub, you don't get access to the game.

Fahey

WylieCoyote1511 wrote: »

Not sure what people are on about.

But I've not set up any payment methods, or subscription plan and it says I have 30 days remaining?

Mine does too, but I also get the message saying I will lose access tomorrow if I don't sign up for a subscription. It's a message that pops up when I start the game.

Valwardon

Ojustaboo wrote: »

The company also has to be given a chance to put things right.


It is against EU law to temporarily take charges without informing us of it in the first place, and the zenimax post at the beginning of this thread is not good enough, when it says 0.00 when you sign up, it needs to be there. But again providing no one is left out of pocket should they receive bank charges, and the company fixes it, no action would be taken against them.

THIS is what I have said happened to me. I had to change my order page to say EXACTLY what was coming out on hold why and all that good stuff to be compliant. I am based in the US this was not even the UK the complaint was lodged I believe it was India though it was about 4 years ago and my memory is rusty. Funny thing was I was sent a legal letter notifying me of the legalities and such and what needed to be change and what laws or whatever was broken what could happen and more importantly how much it could cost me. *It could have cost me a merchant account*

A Merchant account only allows so many complaints and charge backs and disputes before they suspend your account. This is pretty much anyone and no one no matter how much you are bringing in is immune to this. I have a friend who has brought in over 100 million dollars get his merchant account suspended. Shoemaker of Shoemoney lost his merchant account and he is a semi-celeb in some circles with direct access to Exec's of his Merchant and even he was powerless. So dealing with a real threat like that I did conform.

You can only get suspended from so many Payment processors before your name is known and blackballed.

Flametyn

jaschacasadiob16_ESO wrote: »

People should start reading the ToS...

Reaality should not be like a South Park episode
http://www.southparkstudios.com/full-episodes/s15e01-humancentipad

otomodachi

FFS, at least change the game's MOTD at the login screen so it's not lies.

UnknownXV

I used a debit card, so the charge was against my bank account. How long will it take before the temporary hold is released?

Charwyn

+1 to the community of disapproving customers.

I really don't like this thing.

I don't like my payment being pre-authorised ONE MONTH before I'd need to pay.

Basically, if I don't have the funds as of April 6 - I won't be able to play - and my "free 30 days" will tick by it's own. On two accounts.

RIght, cool, thanks. Coldn't Zenimax just authorise the card by (as everyone does) 0.10$ or so?

What's the point of this? And also - if I cancel the subscription (for any reason) where would my pre-authorised money go? I wonder if those sums of money would still be "frozen" in my account.

tdirks23325b14_ESO

ZOS_JessicaFolsom wrote: »

Upon setting up your subscription plan you may see an initial transaction against your account however this transaction is only temporary. The charge represents an authorization check against the account provided and will be removed once the authorization check is complete.

Exceptions to this general rule are Webmoney, ideal, PaySafeCard, and Giropay.


[Update]
We want everyone who purchased ESO to have immediate access to the included 30 days of ESO game time. In the event that you enter your payment information for authorization and the transaction cancels due to lack of funds in your account, please contact our Support Team. We’ll work with you to ensure you have access to your included 30 days of game time.

Please ensure that you have attempted to enter payment information and had the transaction fail due to lack of funds before submitting a help request. We will get you into the game and playing as soon as possible.

We require you to choose a subscription option and enter valid payment information. For credit cards, debit cards and PayPal there is no charge made until after your included 30 days of game time has expired. For these payment methods, there is an authorization check performed to ensure the payment method is valid. You may see a temporary account authorization hold put on funds in your account while the verification completes. Usually this authorization hold lasts a short period of time before being removed. It can vary from bank to bank.

If you prefer to use one of the following payment methods, payment is processed at the time of selecting your preferred subscription plan.

• Game Time Cards [via Retailer]
• GiroPay
• iDeal
• Paysafe Card
• WebMoney

tdirks23325b14_ESO

this is bs, i see on my bank statement with the withdraw amount on my online banking, i WAS charged

altec812

UnknownXV wrote: »

I used a debit card, so the charge was against my bank account. How long will it take before the temporary hold is released?

That is bank specific policy. You would have to check with them. Being that it is the weekend, it would be tues-wed for my bank.

altec812

tdirks23325b14_ESO wrote: »

this is bs, i see on my bank statement with the withdraw amount on my online banking, i WAS charged

It is only a memo debit and does not actually apply towards your account or count towards an overdraft. They clear in a certain amount of days.

dysphorya

Here's a (possibly) different shade of problems around this billing issue. First, here's my communication with Zenimax support:

Response By Email (Albert) (04/04/2014 11:43 PM)

Greetings dysphorya,

Thank you for contacting the Elder Scrolls Online team. If you are unable to enter the codes that came with your retail copy make sure you have setup the billing & subscription method first. After this has been done you will be able to redeem your codes.

Thank you for your continued interest and support!

Warm Regards,

The Elder Scrolls Online Team

---

Customer By CSS Web (dysphorya) (04/04/2014 11:37 PM)

I received my physical copy of the Standard Edition today, and I am attempting to redeem my Explorer's Pack Code from the package. When I enter it into my account through the "Redeem Code" function, I get an error that the code "Requires Elder Scrolls Online." I already have ESO installed -- I updated my beta install and have been playing all throughout early access after redeeming my Early Access Code. Am I doing something wrong?

I don't want my credit card information stored on Zenimax servers. I want to use a Gametime Card instead. So far, I've not been able to track down a Gametime Card (I'm making a wider sweep to other GameStops and BestBuys today). Since I can't get my Explorer's Pack code entered until the billing information is supplied, I'm now (possibly) at risk of losing my preorder bonuses.

I've been trying to read through all the posts to see whether having a physical preorder with its printed codes is enough to ensure the preorder bonuses will still be redeemable once I get my Gametime Card entered (since these were preorder codes already purchased and in my possession), but it isn't clear to me. Are the preorder codes only valid for entry during the grace period? My sincerest sympathies for everybody who still hasn't gotten their physical preorders -- they're in an even worse position.

The root of the billing part of this issue is this: since they require billing information at the start of 30 days of free game time, anyone wanting to use a Gametime Card IS feeling a sub-related, lighter wallet at the start. Even though Zenimax doesn't take my Gametime Card $30 until after my thirty days are up, I still have to cough up the $30 thirty days early. It might not be a hardship for some of us, but it's still misleading and an irritating additional expense on top of the preorder cost.

BlessedBySanguine

dysphorya wrote: »

Here's a (possibly) different shade of problems around this billing issue. First, here's my communication with Zenimax support:

Response By Email (Albert) (04/04/2014 11:43 PM)

Greetings dysphorya,

Thank you for contacting the Elder Scrolls Online team. If you are unable to enter the codes that came with your retail copy make sure you have setup the billing & subscription method first. After this has been done you will be able to redeem your codes.

Thank you for your continued interest and support!

Warm Regards,

The Elder Scrolls Online Team

---

Customer By CSS Web (dysphorya) (04/04/2014 11:37 PM)

I received my physical copy of the Standard Edition today, and I am attempting to redeem my Explorer's Pack Code from the package. When I enter it into my account through the "Redeem Code" function, I get an error that the code "Requires Elder Scrolls Online." I already have ESO installed -- I updated my beta install and have been playing all throughout early access after redeeming my Early Access Code. Am I doing something wrong?

I don't want my credit card information stored on Zenimax servers. I want to use a Gametime Card instead. So far, I've not been able to track down a Gametime Card (I'm making a wider sweep to other GameStops and BestBuys today). Since I can't get my Explorer's Pack code entered until the billing information is supplied, I'm now (possibly) at risk of losing my preorder bonuses.

I've been trying to read through all the posts to see whether having a physical preorder with its printed codes is enough to ensure the preorder bonuses will still be redeemable once I get my Gametime Card entered (since these were preorder codes already purchased and in my possession), but it isn't clear to me. Are the preorder codes only valid for entry during the grace period? My sincerest sympathies for everybody who still hasn't gotten their physical preorders -- they're in an even worse position.

The root of the billing part of this issue is this: since they require billing information at the start of 30 days of free game time, anyone wanting to use a Gametime Card IS feeling a sub-related, lighter wallet at the start. Even though Zenimax doesn't take my Gametime Card $30 until after my thirty days are up, I still have to cough up the $30 thirty days early. It might not be a hardship for some of us, but it's still misleading and an irritating additional expense on top of the preorder cost.

Good luck on your quest for a time card. The stores I went to all said they weren't going to be in for up to two weeks! So I can't even use my preferred option or I have to lose out on continuous play because their company hasn't distributed them yet.

natalia76

not to happy about it, cant redeem my codes eighter due to the fact I dont have any funds on my account until the 9th, and that is not so fun at all.

otomodachi

*WHY* do the automated messages still not TELL people to expect this? ONE FORUM POST is a bad place to be the sole repository of that info. CHANGE THE MOTDs please.

Zyeox

I was charged $41.97 twice on my checking account!! Granted I know it will take a few days for it to clear. But why was I charged twice when I only did the transaction once? That is my problem put a ticket in twice got not call or nothing. This support is the worst I have ever seen it. They collect my money and then collect interest on the money while it's pending. I want answers!!

zlambit

guess i'll see if they will let me in on monday lost all desire to play this weekend, if not, the joke's on me for buying imperial version and only playing a few early access days.
I will not lend them 15 dollars for x amount of time to get my free days,

natalia76

zlambit wrote: »

guess i'll see if they will let me in on monday lost all desire to play this weekend, if not, the joke's on me for buying imperial version and only playing a few early access days.
I will not lend them 15 dollars for x amount of time to get my free days,

I realy want to play, but at same time it feels totaly worthless to now play when I know I get locked out tomorrow and cant pay until wensday thanks to no money for the moment.

Absynthe

I -wish- I could use this service "Webmoney" "PaySafeCard" "Giropay, etc, but none of them even show up on the list of payment methods. Am I missing something? I guess Game Time Cards are my only option where I live and who knows when those will arive!

Maestro_Sartori

Good lord, whats the problem. I entered the code last night picked a sub, got a pending on my CC, and today theres no pending and no charges.

Its just a temp charge not a permanent one lol

Flametyn

i have the same feelings, not interested in playing due this issue. Can't see a good future

natalia76

Maestro_Sartori wrote: »

Good lord, whats the problem. I entered the code last night picked a sub, got a pending on my CC, and today theres no pending and no charges.

Its just a temp charge not a permanent one lol

yeah exept you cant get the payment through unless you have the money on your bank account to begin whit, and that is many peoples problem, no one knew that they would have to actualy have money in the bank to be able play their 30days free game time they had.

Flametyn

Maestro_Sartori wrote: »

Good lord, whats the problem. I entered the code last night picked a sub, got a pending on my CC, and today theres no pending and no charges.

Its just a temp charge not a permanent one lol

Problem is not all of us can do what u did:
1)Missing CC;
2)temporary lack of founds
3)Many others.
BTW if i purchased something i don't want to pay again to unlock it, even if is just temporary