To whoever controls NCSoft billing.


bAss_ackwards

 

Posted

I know, from the repeated form responses from Support, that the people who usually handle Support requests are unable to override the Risk Management feature of the billing system. This, for those who are not aware, supposedly prevents "unauthorized credit or debit card or PayPal® account use."

But I would still like to request for someone sufficiently high up in the hierarchy to please, please take a look at ways for legitimate customers to get past this without having to keep escalating the issue.

The suggested solutions obviously do not work: trying different browsers (Firefox, IE, and Chrome) has already been done, and I've said as much, so please don't suggest it again. And it is not helpful to ask me to "wait for a later time" to try again when I wait up to one month and it still doesn't work. Having my billing date approach lends a sort of urgency to the situation. If nothing else, give a time frame of how long I have to wait for "later". One month? Two months? One year?

And when I get the error in the first place, it should not simply toss out a generic "Error processing transaction" message at me. This tells me nothing other than the transaction failing, for some mysterious reason.

Because it should not be this difficult to change my card details. Is it because I'm an international customer in Asia or something?

I am not happy with this, and I do feel the need to rant about it. Because I think this is simply not acceptable.


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Posted

Quote:
Originally Posted by DKellis View Post
Is it because I'm an international customer in Asia or something?
Having the exact same issue in Argentina. Renewed this month using a time card, after having the account inactive since September. I'm just giving up on veteran badges and using a time card when there's a new issue release or badge event; much less headache.


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Posted

I'm in the same boat, in Alaska, so I don't think it has to do with location.


 

Posted

Ya know, people can see Russia from their porches in Alaska... so it might as well be a foreign country, don'tcha know?



 

Posted

Sigh. Just started having this problem too. Just got a new card as my old was nearing its expiration. Activated the new one, made some purchases around town to make sure it worked, then went to my account to update.

BOOM
"Error processing transaction"

Redid it a couple of times from different browsers on different pc's to no avail.

Sometimes I hate technology.

...

On second thought, I hate technology on a frequent basis. :P


Straff to the left!

 

Posted

I have the same issue. It's all based on your IP address. From what I understand the NC soft store looks at the Zip code on your CC or bank account and compares that with your IP to see if there from the same location.

There is a long LONG list of why that is the most idiotic system they could possibly ever use.

When I made a rant thread about this a month or two ago I was told that they were "working on it".

I'm sure they will fix it "Soon tm."


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Posted

Well, I had sent an email describing the problem to NCSoft support...

They said the purchase I was trying to make triggered their risk management feature (despite the fact that I'm not making any purchases, just trying to update the credit card they have on file).

Part of their advice to me:
"Please confirm that all of your contact and billing information is correct and up-to-date."

I came close to blowing a gasket, reading that.

Although I want to keep playing, I have no inclination to track down time cards each month just to do so, so I'm hoping this gets resolved. :\

[EDIT]
Ok, I found a solution that just worked for me.

While it is strange that you can't use the system they have in place for changing the information, I just went through and deleted all my credit card info they had stored and then went to the "purchase more game time" option (or whatever it is called). From there I no longer got the error for processing my request.


Straff to the left!

 

Posted

For a long time I have found the NCSoft Account and Store management to be a broken, clunky and godawful pile of shite.

I hope they correct that sometime soon.


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Posted

I'm trying to sort out a new card now, myself. I haven't tried any of these things like different browsers or deleting current card information yet (frightened that I'll have issues setting that one back up if my new one fails), but it really shouldn't be this difficult to set up a new card.

I'll also agree that just being told that there was an 'error processing transaction' is not helpful. A tiny bit of direction would at least give me some idea what was going wrong.

Edit: Now I've removed my existing card, I'm getting the addition of 'REFUSED' to my error message. I suppose that's a plus.

Edit #2: Now it's 'FRAUD SUSPICION'? I wish it'd make up its mind, let alone actually let me have a new card.


 

Posted

While I can appreciate the merit of guarding people's credit cards from being used abroad, the inability to allow people to EVER use their cards abroad, or even in a different state, is plain old lazy design. Yes, it's a safety feature that should SUGGEST a safety violation, not an outright block. You should be able to tell account support that, yes, this really is you and, yes, you really want to use that card from that location and have them LET YOU.

There are few things more frustrating than people not letting you spend your own money, but having it happen right now, with the Vanguard Pack requiring consistent subscription, is just asking for disaster.


Quote:
Originally Posted by Arcanaville View Post
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Posted

I'm a tad more frustrated now because the support base suggests using the 'ask a question' tab if you have trouble setting up a card that seems it should work.

The issue is when I use this tab, it prompts me to set up a new NCSoft account. I then realise I'm logged out, and log into my account. This boots me back to the NCSoft account management page, and clicking 'Support' logs me out.

Not happy right now.


 

Posted

Quote:
Originally Posted by DKellis View Post
Because it should not be this difficult to change my card details. Is it because I'm an international customer in Asia or something?
Have the exact same issue in the United States... I tended to swap between my two accounts, depending on which one had money in it and that, apparently, was enough to make me "High Risk". The standards they have are draconian at best.


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Posted

Quote:
Originally Posted by Siberian_Spring View Post
Have the exact same issue in the United States... I tended to swap between my two accounts, depending on which one had money in it and that, apparently, was enough to make me "High Risk". The standards they have are draconian at best.
They definitely need to revise their rulesset-- or at least be able to flag certain validated users as exemptions, but in their defense, they're in a tough spot. CC fraud is ridiculously high for online subscription games, and they (the merchant) eat all the losses. There's no product to retrieve and very little chance to catch the perp (particularly since chasing after an under-$20 purchase isn't a high priority).

Unfortunately, what you're doing (alternating cards) is a rather common action among fraudsters. Many people just don't notice a single mischarge for a single month- especially if they frequently use those cards. Those that do rarely bother to pursue it if the charge is low enough, as the hassle is rather high. Recurring charges get more attention. I'm not surprised they're looking for that sort of behavior, particularly since NCSoft has been burned so badly (and publicly) in the past.

They still need a way to better exempt you from those flags. It might require more proof of legitimacy by you in some way, but after that's on record, they really SHOULD be able to exempt the account from such high scrutiny.


 

Posted

Quote:
Originally Posted by Chase_Arcanum View Post
They definitely need to revise their rulesset-- or at least be able to flag certain validated users as exemptions, but in their defense, they're in a tough spot. CC fraud is ridiculously high for online subscription games, and they (the merchant) eat all the losses. There's no product to retrieve and very little chance to catch the perp (particularly since chasing after an under-$20 purchase isn't a high priority).

Unfortunately, what you're doing (alternating cards) is a rather common action among fraudsters. Many people just don't notice a single mischarge for a single month- especially if they frequently use those cards. Those that do rarely bother to pursue it if the charge is low enough, as the hassle is rather high. Recurring charges get more attention. I'm not surprised they're looking for that sort of behavior, particularly since NCSoft has been burned so badly (and publicly) in the past.

They still need a way to better exempt you from those flags. It might require more proof of legitimacy by you in some way, but after that's on record, they really SHOULD be able to exempt the account from such high scrutiny.
I can see the side you present, however, both of those bank accounts are accounts of long standing that match my name and address every time... and it's only two accounts; the same two.


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Posted

Last time I got a new debit card and tried to apply it it wouldn't work. Now I just subscribe by PayPal.


 

Posted

Quote:
Originally Posted by Bronze Knight View Post
I have the same issue. It's all based on your IP address. From what I understand the NC soft store looks at the Zip code on your CC or bank account and compares that with your IP to see if there from the same location.

There is a long LONG list of why that is the most idiotic system they could possibly ever use.

When I made a rant thread about this a month or two ago I was told that they were "working on it".

I'm sure they will fix it "Soon tm."
I hope not that the are that "stupid". Our IP here use 90% of the time dynamic addresses. Static ip cost extra $.
Now that could explain why the lost quite some $ from me last time.

I did buy from the shop without a problem the going rogue expansion. However as I was trying to resub after the month I run into the risk management error and support could not fix it, so the lost me.

Now with the xp weekend I was curious if the have still the problem so I used the same cc as in the last years and bingo I could resub this time without a problem.

If this true the have absolutely no idea about some providers. This one I use here gives ip numbers out from all over the region and no sorry this will not even change with ip6 because privacy is pretty high on the list here.
Sorry no chance to track down the town with the ip number.....


 

Posted

When I got a new debit card recently the only way I could get it to work was to completely remove the old card, then add the new one. Using the link to simply update the card info gave me the same problems as others in this thread.

I don't know if that will work for you guys, but it worked for me.


 

Posted

While I realise the pitfalls of account fraud and the pressure on NCsoft to not get caught in it, I still feel there ought to be SOME way to allow people to validate that they do, in fact, own the card they are trying to use and that they do, in fact, live where they say they live. I know PayPal has an annoying security feature that requires you to have access to the credit card's actual account, but at least once you prove you own it, they stop hassling you.


Quote:
Originally Posted by Arcanaville View Post
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Posted

Quote:
Originally Posted by Samuel_Tow View Post
While I can appreciate the merit of guarding people's credit cards from being used abroad, the inability to allow people to EVER use their cards abroad, or even in a different state, is plain old lazy design. Yes, it's a safety feature that should SUGGEST a safety violation, not an outright block. You should be able to tell account support that, yes, this really is you and, yes, you really want to use that card from that location and have them LET YOU.

There are few things more frustrating than people not letting you spend your own money, but having it happen right now, with the Vanguard Pack requiring consistent subscription, is just asking for disaster.
This scenario bit me last year when I was traveling and made the silly(?) mistake of trying to use my PayPal to pay for the Mutant Pack while I was overseas.

I've been paying for annual renewals of my main account for years from my home in Florida. But I happened to be in Japan for a few weeks last year and decided to buy the Mutant Pack while there. The whole thing got so messed up with the "automatic fraud alert" system that my main game account got BANNED for the better part of ten days, costing me that much Vet time for the game. I would (and should) have the 81st month Vet award right now but because PayPal screwed me over I get to wait like another week for it.

Like others have said I understand the need for NCsoft to consider the whole fraud problem. But honestly when a system can hurt legitimate customers like this so easily something ought to be done about it.


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Posted

Quote:
Originally Posted by Golden Girl View Post
Does whoever controls NCSoft billing also control the universe?
They control access to the CoH universe, and that's close enough for many people posting here.


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