I've read over all of these posts and the general feel I get is that this very same scenario for the first time happened to me with both of my CoX accounts. I am not convinced, however, that this rests solely on the banks themselves and fully believe that NCSoft has a hand in it as well.
My scenario starts out as many of yours did with my finding my accounts deactivated. The difference here is that no matter which card I used, I was unable to activate my account. Debit card or credit card (I have 4 CCs and 4 bank debit cards). I have used 1 debit card for the past year and a half and I have never used any of the CCs for my account. However, once my account was deactivated, I was literally unable to use a brand new card to activate my account. 24 hours would have to elapse before I could reactivate an account and lo and behold...the day after that, my 2nd account was deactivated.
While I admit that my bank may have declined the charges and I will need to contact them, I also strongly believe that the denial of the charges by the bank itself causes NCSoft's billing system to lock your account for at least 24 hours, preventing you from using a shiny new card (or at least one that has never had an NCSoft charge on it) from being used to reactivate an account.
What is interesting is that when I view the PlayNC account management information, althought I entered my CC information to reactivate my first account, the account shows "No Credit Card On File". In fact, this is the text that shows up on the page:
Billing Summary
Credit Card on File
None
Scheduled Payments
Next Bill Date Account Name Game Billing Plan
Oct 23 2007 [MYACCOUNTNAME] City of Heroes® 1 Month Recurring CANCEL BILLING
Transaction History (Last 180 Days)
Date Order Number Item Total
Sep 23 2007 5541767 City of Heroes® [1 month subscription] $14.99 (USD)
Sep 21 2007 5523710 CoX Character Transfer $9.99 (USD)
Sep 21 2007 5521402 CoX Character Transfer $9.99 (USD)
Sep 21 2007 5521446 CoX Character Transfer $9.99 (USD)
Aug 24 2007 5114404 City of Heroes® [1 month subscription] $14.99 (USD)
Aug 22 2007 5080289 City of Heroes® [1 month subscription] $14.99 (USD)
Jul 24 2007 4661336 City of Heroes® [1 month subscription] $14.99 (USD)
Jul 22 2007 4620603 City of Heroes® [1 month subscription] $14.99 (USD)
Jun 24 2007 4222462 City of Heroes® [1 month subscription] $14.99 (USD)
Jun 22 2007 4193001 City of Heroes® [1 month subscription] $14.99 (USD)
May 24 2007 3828644 City of Heroes® [1 month subscription] $14.99 (USD)
May 22 2007 3808311 City of Heroes® [1 month subscription] $14.99 (USD)
Apr 24 2007 3543391 City of Heroes® [1 month subscription] $14.99 (USD)
Apr 22 2007 3526419 City of Heroes® [1 month subscription] $14.99 (USD)
Game Time Cards
None
So again, I've entered my CC information yet it seems as if the NCSoft database or billing system is not keeping the card information for recurring billing to occur. Someone please check over this and let me know if I'm completely off the mark here.
