arstal said:
However, it doesn't matter what their intent is- the fact is they are denying a legitimate consumer protection through bully-boy tactics (and above posts have said it's intentionally using market power inequality). No reasonable consumer can defend such tactics.
I'm sorry, I cannot see this viewpoint at all.
Any business that deals with accounts (ANY business, in ANY field) has best practices to conbat fraudulent usage of accounts, and best practice is to stop any use of that account untilt he matter is resolved as soon as is possible to prevent the consumer having additional fraudulent transactions made against them.
When you issue a chargeback, you are stating that you have been billed for a transaction that you never made, or were misled into making a transaction that misrepresented itself.
That is FRAUD. It is a clear legal term. How do you handle that as a business?
Allow the account to continue with nothing wrong with it, when the implication is that it has been hijacked (as purchasing games on an account subject to fraud is pointless if you do not have access to it) so that it can be sold on eBay?
Seriously, I can only assume you have never had to deal with credit card fraud in any respect to assume that Valves policy is some kind of 'we're big, we do wtf we want' customer treatment. It is the only policy you CAN have with what is effectively a service-based subscription business model.
What companies do NOT lock an account when a claim that it has been hijacked has been made until the matter is resolved?
You dislike Steam, and we know that, but to make any sort of implication that they are somehow attempting to abuse customer rights with this policy (which ironically is in place for the exact opposite reason) is - at best - paranoid.
I personally would have far less confidence in a platform that allows fraudulent transactions to be made indefinitely on an account with full access to my credit card details and without any safety net of having physcial goods shipped to my registered address.
arstal said:
I agree it's not the first tool to use, but that doesn't mean it's a tool you never use.
How is it a tool that you can never use?
It is a tool that has
consequences for use, and if you chargebacked for an entirely legitimate reason that then caused your account to be locked unfairly, you have a lawsuit and legitimate claims for compensation if Steam try and 'blackmail' you into paying fraudulent fees.
I have however NEVER seen any complaints even implying this to be the case on any gaming forum I have ever visited in the entire time I have been using Steam (which is a long ass time without any problems) and something like that would - very quickly - be very common knowledge.
EDIT:
coopolon said:
Merchants already have ways to protect themselves. When you dispute a charge with your credit company, they don't just say "Hey, thanks for letting us know, here's your $100 back,"
No, some credit card companies do EXACTLY THAT, and most do when dealing with larger corporate accounts (ie Paypal, which is where most of the people bitching about this particular topic should actually be aiming their ire)
coopolon said:
Somehow plenty of other major vendors, including online ones, manage to get by without having absurd policies about chargebacks
Who?
Name them.
Online only stores that supply no physical product, and tie purchases to an account that saves credit card data. For any product.