Bank Account Being Charged?

Grizzly_UK

Omar_Comin wrote: »

Grizzly_UK wrote: »

Omar_Comin wrote: »

ZOS_JessicaFolsom wrote: »

Upon setting up your subscription plan you may see an initial transaction against your account however this transaction is only temporary.

It's been 5 days. I'd like my funds released, TIA.

You need to contact your bank or credit card company, Zenimax are NOT the ones holding the "preauthorization". Maybe this will be of help: Authorization Hold

Maybe you should read the first sentence of the article you linked:

"Authorization hold (also card authorization, preauthorization, or preauth) is the practice within the banking industry of authorizing electronic transactions done with a debit card or credit card and holding this balance as unavailable either until the merchant clears the transaction (also called settlement), or the hold "falls off."

I did read it, usually a merchant will clear a transaction fairly quickly but I notice you conveniently left off the last part of that paragraph:

"Authorization hold (also card authorization, preauthorization, or preauth) is the practice within the banking industry of authorizing electronic transactions done with a debit card or credit card and holding this balance as unavailable either until the merchant clears the transaction (also called settlement), or the hold "falls off." In the case of debit cards, authorization holds can fall off the account (thus rendering the balance available again) anywhere from 1–5 days after the transaction date depending on the bank's policy; in the case of credit cards, holds may last as long as 30 days, depending on the issuing bank."

Isn't it easy to pick and choose what to quote and highlight when you think it will benefit your argument? Do you (or anyone else) really want to wait for up to 30 days simply because you believe Zenimax are holding your funds and you just can't be bothered to contact your bank/credit card company to chase them up as well?

Don't get me wrong, I fully agree with everyone else that this preauthorization for the full amount of whichever subscription plan you chose is absolutely unacceptable, especially when every other company will only use a preauthorization of £1.00/$1.00 etc, heck I've even had preauthorizations of £0.01/$0.01 pop up on my credit card before now!

RipVanWinkleX

deruddb14_ESO wrote: »

So this past Sunday, they do an authorization charge from my bank account for US$14.99. Just checked my account, the money has been taken from my account to their account. Will there be a charge back or not?

Same with me. It still says PENDING but the bank said they did take the money but they didn't complete the transaction.

zomplis

I feel like I wasted a lot of money two months ago when I pre-ordered this game. I understand the authorization deal but they are charging way too much for that. I thought a free month was part of the deal and maybe I'm too ignorant to read the small print but sorry it's going to be a long time until i pick this game up again. I feel they are charging an arm and a leg for something that really should not be.

Omar_Comin

Grizzly_UK wrote: »

Omar_Comin wrote: »

Grizzly_UK wrote: »

Omar_Comin wrote: »

ZOS_JessicaFolsom wrote: »

Upon setting up your subscription plan you may see an initial transaction against your account however this transaction is only temporary.

It's been 5 days. I'd like my funds released, TIA.

You need to contact your bank or credit card company, Zenimax are NOT the ones holding the "preauthorization". Maybe this will be of help: Authorization Hold

Maybe you should read the first sentence of the article you linked:

"Authorization hold (also card authorization, preauthorization, or preauth) is the practice within the banking industry of authorizing electronic transactions done with a debit card or credit card and holding this balance as unavailable either until the merchant clears the transaction (also called settlement), or the hold "falls off."

I did read it, usually a merchant will clear a transaction fairly quickly but I notice you conveniently left off the last part of that paragraph:

"Authorization hold (also card authorization, preauthorization, or preauth) is the practice within the banking industry of authorizing electronic transactions done with a debit card or credit card and holding this balance as unavailable either until the merchant clears the transaction (also called settlement), or the hold "falls off." In the case of debit cards, authorization holds can fall off the account (thus rendering the balance available again) anywhere from 1–5 days after the transaction date depending on the bank's policy; in the case of credit cards, holds may last as long as 30 days, depending on the issuing bank."

Isn't it easy to pick and choose what to quote and highlight when you think it will benefit your argument?

I bolded the relevant parts for you. The part you chose to bold relates to the situation where Zenimax does nothing to expedite the resolution of the hold. Here's what that sentence is actually saying:

In the case of debit cards, authorization holds can fall off the account (thus rendering the balance available again) anywhere from 1–5 days after the transaction date depending on the bank's policy; in the case of credit cards, holds can take up to 30 days to fall off, depending on the issuing bank."

It's actually easy to pick and choose what to quote and highlight when it's obvious.

mccobleb14_ESO

xundeadly wrote: »

Darkstar4758 wrote: »

xundeadly wrote: »

I am actually surprised as to how stupid some people on here can be to not even know what half of us are even upset about... like is it that hard to grasp of a concept?

I know exactly what you are upset about, but I simply don't agree with it. Bottom line is you purchased a game that is p2p and now you are upset about having to pay. Sure their billing system could use a little work, but I don't remember the last p2p game I've played where I didn't have to setup a payment plan prior to access.

The only thing different here is pre-authorization, and I'll once again say that I don't blame ZOS for this. In a perfect world pre-authorization wouldn't be necessary but unfortunately we live in a reality where everyone is trying to get something for free. It's why you see pre-auth on just about EVERYTHING now, why renters are often required to supply the security deposit AND first and last month's rent, and why most places refuse paper checks these days. A "promise of payment" isn't what it used to be ... now days there needs to be something behind it, otherwise you are likely to get ripped.

I'll also once again say that I'm extremely sorry you can't access your game, and I hope it works out for you. I understand the frustration and why you're all angry, but think about it from an economic standpoint. Maybe ZOS took things too far, but can you REALLY fault them for trying to protect their assets?

Im not at all upset about having to pay again, its the customer service and how they are responding that is rather frustrating

Im pissed because they took my money for the game, let me play it then cancelled my service saying I need to set up a subscription with one of two options. The second option, the Time Card was what I was going to do but now I can't because there are no Time Cards for sale in North America. I have no problem with paying a subscription for a game I was planning on subscribing to to begin with, its the fact they gave us free time then revoked it unless you subscribe but half the subscription methods are not valid making the only valid way to play is to set up a recurring payment. Why is a one time Credit Card payment not a option? The only option are multiple month time cards which do not exist or a recurring subscription.

deruddb14_ESO

RipVanWinkleX wrote: »

deruddb14_ESO wrote: »

So this past Sunday, they do an authorization charge from my bank account for US$14.99. Just checked my account, the money has been taken from my account to their account. Will there be a charge back or not?

Same with me. It still says PENDING but the bank said they did take the money but they didn't complete the transaction.

Form my account page - "You will be billed on May 6, 2014 for $14.99", this after taking the US$14.99 today authorization charge. So, my 30 free days is really $14.99 (28 days left), then I get billed again? Hope there will be a charge back this week.

Kiwi

deruddb14_ESO wrote: »

Form my account page - "You will be billed on May 6, 2014 for $14.99", this after taking the US$14.99 today authorization charge. So, my 30 free days is really $14.99 (28 days left), then I get billed again? Hope there will be a charge back this week.

exactly
they took the month in advance and are not returning it, they intend to bill again when the 30 days is over

so wheres the free 30 days?

mattshiloh

The fact is, it stated on the website that the user would not be charged until after their 30 days were up. It did not include wordage that there would be a pre-authorization charge. In the United States you MUST warn of a pre-authorization charge of more than $1.00 by law, which is why you see the warning on gas pumps that they may pre-authorize your card up to $125 for purchases made at the pump.

By pre-authorizing the cards used to subscribe for the full amount, this is a direct violation of US Laws, and since the services are being sold IN the US, the company is bound by those laws despite where their HQs are. The fact that they are already breaking laws is making me seriously reconsider whether to continue subscribing or ask for a refund.

MercyKilling

Gunner59 wrote: »

Call it what you want, it's stated numerous times In their various policies. You have to give thirty days notice to unsubscribe. If that is not true then they need to remove or reword it.

Umm...directly from the Terms of Service: (People really need to read this before spouting off.)

7. Your Right to Cancel Your Account

You have the right to cancel Your Account or a particular subscription to a Service at any time. Additional cancellation terms in respect of a particular subscription may be specified when You subscribe, in Your Account information, or in notices for subscription renewals.

Contact ZeniMax's Customer Service at support.bethsoft.com to cancel Your Account or subscription to a Service.

ZeniMax reserves the right to collect fees, applicable governmental charges (including sales tax, value added tax (VAT), goods and service tax (GST) and other taxes), or costs incurred before You cancel Your Account or a subscription to a Service. You are also responsible for any amounts owed to third-party vendors or content providers before Your cancellation. Any delinquent or unpaid fees and other unresolved issues must be settled before You establish a new Account.

That's the entire thing, too. Nowhere does it say you need to give thirty days notice....and for the life of me I can't see how YOU interpreted it to say that. I think you're just rumor-mongering and trying fear tactics now.

Grizzly_UK

Omar_Comin wrote: »

Grizzly_UK wrote: »

Omar_Comin wrote: »

Grizzly_UK wrote: »

Omar_Comin wrote: »

ZOS_JessicaFolsom wrote: »

Upon setting up your subscription plan you may see an initial transaction against your account however this transaction is only temporary.

It's been 5 days. I'd like my funds released, TIA.

You need to contact your bank or credit card company, Zenimax are NOT the ones holding the "preauthorization". Maybe this will be of help: Authorization Hold

Maybe you should read the first sentence of the article you linked:

"Authorization hold (also card authorization, preauthorization, or preauth) is the practice within the banking industry of authorizing electronic transactions done with a debit card or credit card and holding this balance as unavailable either until the merchant clears the transaction (also called settlement), or the hold "falls off."

I did read it, usually a merchant will clear a transaction fairly quickly but I notice you conveniently left off the last part of that paragraph:

"Authorization hold (also card authorization, preauthorization, or preauth) is the practice within the banking industry of authorizing electronic transactions done with a debit card or credit card and holding this balance as unavailable either until the merchant clears the transaction (also called settlement), or the hold "falls off." In the case of debit cards, authorization holds can fall off the account (thus rendering the balance available again) anywhere from 1–5 days after the transaction date depending on the bank's policy; in the case of credit cards, holds may last as long as 30 days, depending on the issuing bank."

Isn't it easy to pick and choose what to quote and highlight when you think it will benefit your argument?

I bolded the relevant parts for you. The part you chose to bold relates to the situation where Zenimax does nothing to expedite the resolution of the hold. Here's what that sentence is actually saying:

In the case of debit cards, authorization holds can fall off the account (thus rendering the balance available again) anywhere from 1–5 days after the transaction date depending on the bank's policy; in the case of credit cards, holds can take up to 30 days to fall off, depending on the issuing bank."

It's actually easy to pick and choose what to quote and highlight when it's obvious.

*shrug* You can edit your quote of my post(s) all you want, I was merely advising you (and everyone else) to also contact their banks and/or credit card companies so that you can find out from them what the status of the actual preauthorization on your account actually is. But hey, if you don't want to do that then feel free to sit back, wait and continue to blame Zenimax for your woes, whatever you decide to do makes absolutely zero difference to me!

CheMa

For Authorization, sure!! They try to kidding us, because authorization can be done of other ways then let the people pay for something!

Just ignore this won`t help to get out of this!

Nocturne Saint

called my bank about the authorization hold, they said the hold should fall off and reimburse me by tomorrow.

so guys it's not as bad as it feels, and i know that extra 15 can always be used for something else.

spartycus

a week later and i still have pending 14.99 charges on the acccount. I really wanted to go get some taco bell today since i don't get paid till tomorrow. IM STARVING ZOS

ToBbErT

lol

jaschacasadiob16_ESO

MercyKilling wrote: »

Nowhere does it say you need to give thirty days notice....and for the life of me I can't see how YOU interpreted it to say that. I think you're just rumor-mongering and trying fear tactics now.

You agree that Bethesda may continue charging You on an automatic recurring basis for Your current subscription preferences unless You cancel Your subscription at least thirty (30) days prior to the expiration of the subscription.

Foul_Corsair

Darkstar4758 wrote: »

It's no different then buying gas using a credit or debit card at the pump ... sometimes an authorization charge (which can be far more than your purchase) gets put on your account and clears after a day or two. They stated up front that your account would be charged then refunded. I don't blame ZOS, I blame scammers and perpetuators of fraud. If it wasn't for people like that trying to rip companies off they wouldn't need such strict pre-authorization practices.

Sorry, point me to the link where they said before we purchased the game that when we set up a subscription they would be charging money from our account before the 30 days free time is up. If I need to go to get gas in my car I know when that will be and can budget accordingly as its my car, my card, my gas and I know how much I have, how much I use etc.

And technicaly its not 30 days free gameplay. It came as part of the purchase I made with real money. No purchase then no 30 days 'free' time. So whats free about it.

Kiwi

tldr: were dealing with amateurs
this forum layout should be a dead giveaway these people dont really understand how these things are supposed to go.


BUUUTTT

in saying that, i am really enjoying the game and i would like to keep enjoying it.
i know keeping these things running is like spinning plates and 'fixing bugs' is like playing whack'a'mole with a hangover
the game world has loads of potential, just gotta get the fine tuning both inside and outside of the game sorted out.

Flametyn

This is how support solved my case (for real)
I will just repeat the post i wrote earlier, in this tread, so that you can have your chances to read this as I think it may be helpful.

If this can help i was in your same situation. The solution came today but i couldn't play yesterday. Thou support was going faster than usually 13-15 hours ago.
What I did is make a ticket explaining my situation and being kind.
I got 4-5 copy pasted answer too, but i didn't mind and i answered those explaining again the situation. I also asked for phone support that called me an escalated my ticket.
Than i was asked more account (game) details in order to give them authorization to check on it.
After that they asked me the game key in order to redeem it for me.
This is important: ask them when they will ask you for the key if they can add you a compensatory day in order to set your account status in Active - non-Recurring or you will get your key redeemed but you will still need to set up a subscription plan.
I still donno if this status will change after the compensatory day ends. Is something i will check tomorrow.
Hope this can help,
me and my boyfriend were able to play today.
Good luck!

FrostKittyPaw

MercyKilling wrote: »

Gunner59 wrote: »

Call it what you want, it's stated numerous times In their various policies. You have to give thirty days notice to unsubscribe. If that is not true then they need to remove or reword it.

Umm...directly from the Terms of Service: (People really need to read this before spouting off.)

7. Your Right to Cancel Your Account

You have the right to cancel Your Account or a particular subscription to a Service at any time. Additional cancellation terms in respect of a particular subscription may be specified when You subscribe, in Your Account information, or in notices for subscription renewals.

Contact ZeniMax's Customer Service at support.bethsoft.com to cancel Your Account or subscription to a Service.

ZeniMax reserves the right to collect fees, applicable governmental charges (including sales tax, value added tax (VAT), goods and service tax (GST) and other taxes), or costs incurred before You cancel Your Account or a subscription to a Service. You are also responsible for any amounts owed to third-party vendors or content providers before Your cancellation. Any delinquent or unpaid fees and other unresolved issues must be settled before You establish a new Account.

That's the entire thing, too. Nowhere does it say you need to give thirty days notice....and for the life of me I can't see how YOU interpreted it to say that. I think you're just rumor-mongering and trying fear tactics now.

Please look under the pay section (section 5 I believe). Yes you may cancel at any time, that's obvious, however once you cancel you will still be charged with any recurring subscription for 30 days. That's what the 30 days notification is about. If you signed up for the 180 day plan then you will be charged for that plan even if you unsubscribe right after, because that recurring payment is within 30 days of when you unsubscribed. This is spread across two different sentences with odd punctuation and capitalization.

Bansheedragon

MercyKilling wrote: »

Gunner59 wrote: »

Call it what you want, it's stated numerous times In their various policies. You have to give thirty days notice to unsubscribe. If that is not true then they need to remove or reword it.

Umm...directly from the Terms of Service: (People really need to read this before spouting off.)

7. Your Right to Cancel Your Account

You have the right to cancel Your Account or a particular subscription to a Service at any time. Additional cancellation terms in respect of a particular subscription may be specified when You subscribe, in Your Account information, or in notices for subscription renewals.

Contact ZeniMax's Customer Service at support.bethsoft.com to cancel Your Account or subscription to a Service.

ZeniMax reserves the right to collect fees, applicable governmental charges (including sales tax, value added tax (VAT), goods and service tax (GST) and other taxes), or costs incurred before You cancel Your Account or a subscription to a Service. You are also responsible for any amounts owed to third-party vendors or content providers before Your cancellation. Any delinquent or unpaid fees and other unresolved issues must be settled before You establish a new Account.

That's the entire thing, too. Nowhere does it say you need to give thirty days notice....and for the life of me I can't see how YOU interpreted it to say that. I think you're just rumor-mongering and trying fear tactics now.

You will want to read that TOS again.

If You have subscribed for an automatic subscription renewal, You agree that Bethesda may continue charging You on an automatic recurring basis for Your current subscription preferences unless You cancel Your subscription at least thirty (30) days prior to the expiration of the subscription.

http://www.zenimax.com/legal_terms_us
Below section 5.2 Subscribers in North America, South America, or Asia (excluding India).

Its right there clear as day if you just look for it

Bansheedragon

FrostKittyPaw wrote: »

MercyKilling wrote: »

Gunner59 wrote: »

Call it what you want, it's stated numerous times In their various policies. You have to give thirty days notice to unsubscribe. If that is not true then they need to remove or reword it.

Umm...directly from the Terms of Service: (People really need to read this before spouting off.)

7. Your Right to Cancel Your Account

You have the right to cancel Your Account or a particular subscription to a Service at any time. Additional cancellation terms in respect of a particular subscription may be specified when You subscribe, in Your Account information, or in notices for subscription renewals.

Contact ZeniMax's Customer Service at support.bethsoft.com to cancel Your Account or subscription to a Service.

ZeniMax reserves the right to collect fees, applicable governmental charges (including sales tax, value added tax (VAT), goods and service tax (GST) and other taxes), or costs incurred before You cancel Your Account or a subscription to a Service. You are also responsible for any amounts owed to third-party vendors or content providers before Your cancellation. Any delinquent or unpaid fees and other unresolved issues must be settled before You establish a new Account.

That's the entire thing, too. Nowhere does it say you need to give thirty days notice....and for the life of me I can't see how YOU interpreted it to say that. I think you're just rumor-mongering and trying fear tactics now.

Please look under the pay section (section 5 I believe). Yes you may cancel at any time, that's obvious, however once you cancel you will still be charged with any recurring subscription for 30 days. That's what the 30 days notification is about. If you signed up for the 180 day plan then you will be charged for that plan even if you unsubscribe right after, because that recurring payment is within 30 days of when you unsubscribed. This is spread across two different sentences with odd punctuation and capitalization.

Wold you believe a conspiracy theory that says that the odd punctuation and capitalization is done to confuse people?

Kiybue

I bought the game with the card I signed up for a subscription with. That should have been "validation" it was a legitimate payment form.
Authorization does not need the entire price to be held.
Authorization did not need to be done until AFTER the 30 days we "purchased" with the game.
When I selected my subscription plan I was NOT informed that amount would be held on my account.
Until that money is released (4 days and counting now) THEY have my money because *I* can't use it. Which means my time is NOT free.
It isn't the amount I'm complaining about. It's the execution of their plan, the lack f notice on their plan, the lack of *necessity* for their plan, their lack of communication after the backlash against their plan.

Urbansoldier90ub17_ESO

I emailed support multiple times since early, early this morning and received an email, then a phone call stating they would give me a one day access code to get my thirty days going. I received the email with my "1 day code" shortly after but the code was only seven digits long and *surprise, surprise* was "invalid".
Has anybody had a similar issue and if so, have you been able to since resolve the problem and been able to activate your thirty days? WITHOUT having to (because of not being able to) put in a card (because of not having the full "authorization charge" available in your account at right this second).

I'm so far 50 (now, 90) minutes into being on hold while trying to call customer support back. Ugh.

Gunner59

jaschacasadiob16_ESO wrote: »

MercyKilling wrote: »

Nowhere does it say you need to give thirty days notice....and for the life of me I can't see how YOU interpreted it to say that. I think you're just rumor-mongering and trying fear tactics now.

You agree that Bethesda may continue charging You on an automatic recurring basis for Your current subscription preferences unless You cancel Your subscription at least thirty (30) days prior to the expiration of the subscription.

I was looking for that to back up my claim and couldn't find it so I assumed ZOS removed it. Where did you find it?

Either way Section 7 in about ACCOUNT cancelation not canceling a sub. You can still have an active account and not be subbed.

Vicodine

To everyone who still does not understand what's happening:
1. Read the below text word by word
2. You are not being charged at the time when you set up a subscription
3. Zenimax Online does not receive a cent from you at the time when you set up a subscription
4. All that happens is that you Credit/Debit/PayPal card is being asked whether the information you provided is valid, and being asked whether you do or do not have the amount that will be billed ( unless cancelled ) after the free 30 days
5. IF your bank is blocking the money in question, from the authorization process, it's just your bank being your bank, and as your bank being lazy and not having implemented an authorization reversal
6. Thus the 30 days FREE you get with your copy, at a price of you having to give ZOS your payment details, are, and I can't stress this enough, REALLY ARE FREE
7. The authorization amount on your account will be available to you after some period, determined by your bank
8. Please, please, please understand that the money never left your bank account
9. If you still don't understand this, start from the top.

Guess what, my bank is what we call a low-operating-cost bank. They are holding to that money from the auth also. My previous bank did the same thing, even tho it was a multi-multi-billion institute.

My previous experience coming from World of Warcraft and many $1 trial subscriptions to *** sites, where they pre-auth the full sub plan in addition to that $1

ZOS, the title is misleading and confusing many clueless people

RAMAO

This was a totally unfair and mercenary move. I'll play my 30 days and never look to ESO again.

eduardwyn

Thannik wrote: »

People really do complain about anything and everything. ZOS, you guys are doing a great job bringing a single player franchise to the MMO world, and great job on your first ever MMO.

This game reminds me a lot of Asheron's Call. A game that i've been paying $14.95/month off and on since 1998 (okay, it was 9.99/month back then). I bring this up as a point, that's also another subscription MMO which requires payment authorizations before playing your first 30 days. And it's one of the oldest! Not every company does it the WoW way (to whom referenced "the biggest MMO out there", for better or for worst.

Don't let the chorus of QQ bring you down. Just remember all the positive people are too busy playing. - or patiently waiting for the game to patch.

GD Trolls

Skirmish840

Hmmmmmmmmmmmmmmmmmmmmm............................................. still no response from Zenimax in this thread

Goibot

The silence is deafening

Maestro_Sartori

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