Terrible Payment System

[SilvertearRen]

So, I'm done with ClickandBuy anyway.

And then I find out they do the majority of their business with gambling sites?

Oh, wow. I would never trust my credit card information with a bunch of gamblers. They usually have good poker faces, and tend to lie ten times out of eleven.

Square Enix, next time, do your damn homework before picking up a payment processor in the future.

Wow.

Because any good news is good to have. This at least clears up the FSA-authorised status situation, even if other concerns remain. Most of it I had picked up and guessed at since sending the inquiry, but it is good to hear it from the regulator themselves.

My original enquiry email:

And this is the FSA response:

What this means for us is that they are indeed operating within enforceable legal bounds. Which means if they f*** up, they have people to answer to.

Of course I'd prefer that didn't happen in the first place...

There's a lot of people who are upset at CnB because they f*cked up, but have chosen the less headache-inducing way: cancelling their cards and leaving CnB to hang on the garrote they made for themselves.

If anyone out there has been screwed by CnB and still want to even things, I hope they contact the FSA with a formal complaint and get an investigation going, because it's pretty clear they need to be dealt with. :\

[Catapult]

If anyone out there has been screwed by CnB and still want to even things, I hope they contact the FSA with a formal complaint and get an investigation going, because it's pretty clear they need to be dealt with. :\

Remember, to get anywhere you will need to have a legit complaint (double-billing, overcharging, funds taken for admin purposes against T&C) and will have to attempt to raise it with C&B. If you reach a point of no resolution (which can include no response from C&B for say... a week and can show you've done everything reasonable on your end to contact them), then you should approach the Financial Ombudsman, NOT the FSA. The FSA regulates the industry. The Ombudsman resolves consumer complaints.

I don't have such a personal experience yet, but I know my options if I do.

Also, Ren, you should check to make sure your SE account end is in order. The last thing you want is it attempting to keep updated details with C&B on the SE end, causing further complications.

[SilvertearRen]

Remember, to get anywhere you will need to have a legit complaint (double-billing, overcharging, funds taken for admin purposes against T&C) and will have to attempt to raise it with C&B. If you reach a point of no resolution (which can include no response from C&B for say... a week and can show you've done everything reasonable on your end to contact them), then you should approach the Financial Ombudsman, NOT the FSA. The FSA regulates the industry. The Ombudsman resolves consumer complaints.

I don't have such a personal experience yet, but I know my options if I do.

Also, Ren, you should check to make sure your SE account end is in order. The last thing you want is it attempting to keep updated details with C&B on the SE end, causing further complications.

I've already switched it to Crysta, with a balance of zero Crysta. That should be sufficient.

[Chocobits]

Remember, to get anywhere you will need to have a legit complaint (double-billing, overcharging, funds taken for admin purposes against T&C) and will have to attempt to raise it with C&B. If you reach a point of no resolution (which can include no response from C&B for say... a week and can show you've done everything reasonable on your end to contact them), then you should approach the Financial Ombudsman, NOT the FSA. The FSA regulates the industry. The Ombudsman resolves consumer complaints.

I don't have such a personal experience yet, but I know my options if I do.

Also, Ren, you should check to make sure your SE account end is in order. The last thing you want is it attempting to keep updated details with C&B on the SE end, causing further complications.

Indeed, the Ombudsman is the place to go! When a certain British building society knowingly sold bad bonds to 3200 customers over a 4 year period, the Ombudsman cracked down on them after a full investigation was launched by the Serious Fraud Office. Just a bit of triva: the Compliance Assessor and Crime Prevention Officer for that firm at the time of these fraudulent transactions is now a Compliance Manager.. for our dear friends at ClickandBuy. Can't post details, but I imagine if you were google "ClickandBuy Compliance Manager" you'd be on the right track..

[Kailea_Nagisa]

Indeed, the Ombudsman is the place to go! When a certain British building society knowingly sold bad bonds to 3200 customers over a 4 year period, the Ombudsman cracked down on them after a full investigation was launched by the Serious Fraud Office. Just a bit of triva: the Compliance Assessor and Crime Prevention Officer for that firm at the time of these fraudulent transactions is now a Compliance Manager.. for our dear friends at ClickandBuy. Can't post details, but I imagine if you were google "ClickandBuy Compliance Manager" you'd be on the right track..

oh wow....how lovely....... -.- I really encourage everyone to follow these steps, and save all info related to it as you go, and don't give me that "oh well they will keep my info and charge to it later" BS, because there is something you can do about it if they do.

http://clickandbuy.com/US/en/sa/help...bereich=surfer

[Razor]

oh wow....how lovely....... -.- I really encourage everyone to follow these steps, and save all info related to it as you go, and don't give me that "oh well they will keep my info and charge to it later" BS, because there is something you can do about it if they do.

http://clickandbuy.com/US/en/sa/help...bereich=surfer

Oh thank the Twelve! Their website says they are a credulous billing company! All our woes are solved.

Sorry for the troll but please do not be so naive as to believe that you are safe just because their website says so. Am I slightly paranoid about who has my bank account info? Yes. Do I have a right to be? Yes. While sure you can counter by saying I have no personal proof that they are scam hungry I don't want to be the one to test the guillotine just because it says "Safe for children ages 3 and up". Just to throw this info out there after I did some light browsing on the internet and some searching on the BBB (Better Business Bureau) and discovered this:

http://www.bbb.org/NYC/Business-Revi...york-ny-94189/
"On a scale from A+ to F, clickandbuy.com was rated an F."

Square Enix? A+
Paypal? A-
PNC Bank? A+
Blizzard? B-
Nexon??? (International: A, North America: C-)

You also can't argue that most of the complaints come from cheating people and/or consumer error because Paypal is in the same boat as them and maintain an A- rating. I'm personally closing my XI account along with a lot of other XI players in hopes that a mass account closing opposition to Clickandbuy will get SE to change its ways before XIV starts getting billed because I don't want to give up XIV over something as trivial as billing but I may have to.

[Kailea_Nagisa]

Oh thank the Twelve! Their website says they are a credulous billing company! All our woes are solved.

Sorry for the troll but please do not be so naive as to believe that you are safe just because their website says so. Am I slightly paranoid about who has my bank account info? Yes. Do I have a right to be? Yes. While sure you can counter by saying I have no personal proof that they are scam hungry I don't want to be the one to test the guillotine just because it says "Safe for children ages 3 and up". Just to throw this info out there after I did some light browsing on the internet and some searching on the BBB (Better Business Bureau) and discovered this:

http://www.bbb.org/NYC/Business-Revi...york-ny-94189/
"On a scale from A+ to F, clickandbuy.com was rated an F."

Square Enix? A+
Paypal? A-
PNC Bank? A+
Blizzard? B-
Nexon??? (International: A, North America: C-)

You also can't argue that most of the complaints come from cheating people and/or consumer error because Paypal is in the same boat as them and maintain an A- rating. I'm personally closing my XI account along with a lot of other XI players in hopes that a mass account closing opposition to Clickandbuy will get SE to change its ways before XIV starts getting billed because I don't want to give up XIV over something as trivial as billing but I may have to.

did you even read the link?
I am not naive, I have read and started to see what type of company this is, that is why I said save everything related to your cancel, if you have proof that you canceled your account, you can do something if they charge your card later. This is the main problem, that people think they can not do anything. I am taking measures to take action if I have to later, by saving all my info related to canceling this account.

[Razor]

did you even read the link?
I am not naive, I have read and started to see what type of company this is, that is why I said save everything related to your cancel, if you have proof that you canceled your account, you can do something if they charge your card later. This is the main problem, that people think they can not do anything. I am taking measures to take action if I have to later, by saving all my info related to canceling this account.

Well I apologize if I misunderstood your original post as it appeared to me you were defending ClickandBuy with an argument of that since their website says you won't be charged with or without cancellation that they are credulous. My point to you still remains though: regardless of what their website says and whether or not you even have proof of cancellation: they still can(and have) abuse your information and with a slew of "beware: scam" flags posted all over the internet and a persistant F rating from the BBB I do not trust them.

Also: only the first couple lines of my post were in response to you, the rest was just general information I was posting.