Terrible Payment System

[Catapult]

Of course reading the entire thread can be a drain when it's 560 posts long.

And you're right about Paypal being just as bad. Which is a reason why I refuse to have a paypal account.

But at least Paypal let me pay for service through them with my credit card without requiring me to set up an account with them.

[Skyrant_Kangaroomouse]

Ahhh I see now it is my fault they never billed me for anything and I just wanted to close my account. Now see here is where you look like an @$$. C&B never billed me for anything because I do not have a FFXI account. C&B was setup for XIV which after hearing every issue and researching myself I decided I wanted them to have no access to anything of mine. See now there is NO WAY for me to remove my CC info from there system even tho I wanted to, I can add more CC but not remove old ones. They have never deducted 1 cent from my account, so why should i have to wait to have anything removed from there system. I should be able to close my account without fear of loss or revocation. As a consumer I do not have that, as a consumer I now see I must get a new CC because C&B will never remove said information from there system.

So please all knowing and wise man explain to me how anything here is my fault. There was nothing deducted on Sept 3rd, this has nothing to do with last minute transactions or not wanting to pay. This was me being diligent and wanting to cancel before they took any funds for FFXIV as after reading up on C&B I did not trust the system, nor do I any longer believe this game will be worth paying for anytime in the near present, and now you see why.

You can not remove your only CC from their system because a CC is required for an account. Is that so hard to understand? Apparently it is and so is the user agreement you had to read before you sign up. Next time take 5 minutes to read it before you subscribe to a service using your CC and private information, thats just common sense.

I wonder what you have been "reading up" on them that makes you so angry. It's a perfectly fine and normal payment provider just like paypal. Again, reading up is something you do before you go around giving websites your private information and CC.

You want your account closed, they do it within an acceptable timeframe of 7 - 10 days. There is no loss or revocation if you cancel your account. Like i mentioned before, with paypal you would have to wait 30 days.

I still don't see your problem, you got your account canceled, thats what you wanted. Now be happy and move on to greener pastures.

[KaiKatzchen]

Of course reading the entire thread can be a drain when it's 560 posts long.

I believe if someone HONESTLY wants to know why this is an issue and HONESTY is concerned they would take the time to read. People who just come in here saying 'I have no issue, I don't see why you do so explain it to me' when there is a 500+ thread of information explaining (I feel) don't actually care. If they did they would have read and found out what was TRULY concerning other people and how it may or may not effect them. I've read the whole thread because I was concerned about the issues others had brought up.

[Skyrant_Kangaroomouse]

Nah this is a almost 600 post thread because there are no issues. -___-

If you read the whole thread from page one, which you obviously haven't since you're asking this, you would have found post upon post of people who have stated:

issues with C&B
fraudulent billing from C&B
EU banks telling their customers not to use C&B due to fraud issues with them
they have a F rating with the BBB
in some countries C&B is the only option and in that country it can't be used
etc etc and etc.

yada yada yada...

issues with C&B
Care to be more specific, i have none at all. Works as advertised. No additional cost, no problems at all for 12 months now.

fraudulent billing from C&B
If you do your research, all these so called fraudulent charges are scams from third parties. If you are so stupid to fall for a scam, you deserve whats comming. C&B has 2.1 million reported scams, paypal has 71 million. Now before you go ballistic, you can't really compare these numbers, but it shows that EVERY payment provider is target of these scams.

they have a F rating with the BBB
BBB, LMAO! Do you even know how BBB works? Click and Buy is not a BBB Accreditation business. They have no rating at all, but the BBB making money of businesses "joining" them chooses to list F instead of no rating. This is fraudulent by itself and misrepresentation of facts.

The rating for C&B is explained as follows:
7 complaints closed with BBB in last 3 years | 1 closed in last 12 months.

Oh Mah Gawd! 7 complaints in 3 years.

Compare this to paypal:
6540 complaints closed with BBB in last 3 years | 1873 closed in last 12 months.

Right. and Paypal gets an A+.

EU banks telling their customers not to use C&B due to fraud issues with them
If my Bank tells me what to do with my money i change to a different one. Seriously, this is a non issue and you should take that up with your bank. It has nothing to do with C&B.

I can use my CC worldwide, i never get refused anywhere. I have no idea what kinda Banks you people have but they must really be the worst Banks ever.

In some countries C&B is the only option and in that country it can't be used
I don't know what that means, you saying SE offers only C&B in that country and C&B does not allow people from that country to subscribe? I doubt that, honestly.

Cheers!

[Catapult]

Dude, chill. Your attitude is giving your cause a bad name. I'll throw up some calm counter-arguments.

- 1 person not having an issue does not counteract someone else having an issue. There is at least one person on this foum already who has not had their concerns raised with C&B resolved. Doesn't mean other people will have those problems either - the argument goes both ways.

- Scams and fraud claims are also relevant to company size. Consider the size of paypal as an enterprize - they are HUGE compared to CnB. It follows that scam-creators will also target Paypal due to higher exposure and fraud claims will crop up more often in the same way. But then even when you scale this, I still think 2.1 million reports is 2.1 million too many.

- the F rating with the BBB is to me less of a reflection on their performance and more a reflection of where they are set up to do business. Having almost no traffic through the BBB indicates that they have barely ever dealt with US consumers. THIS is a problem for people in the US using ClickandBuy, as the US consumer behaves rather differently to the UK consumer and it demonstrates that ClickandBuy are not necessarily prepared for this.

- My bank doesn't tell me what to do with my money, but they are infinitely more experienced in financial security than I am. So if ClickandBuy manages to trip all of their anti-fraud and anti-theft security systems without fail each and every transaction, I'm going to take the advice of the known person safeguarding my funds over the barely-known person trying to take my money from me.

- There are regions that you can select in the SE account management system and where the game is available for purchase. ClickandBuy is listed as the only available payment option for these countries by SE. But then when setting up ClickandBuy, it reports that some of those countries are not supported after all.
To be frank, this is a communication problem on SE's part and proof that the game is not as widely available as they claim it is. Something can (and will) be done about this, but not by ClickandBuy.


To wrap up, ClickandBuy is here to stay. Contracts and stuff. But this should not prevent additional payment methods being implemented to account for those people who do not, will not or cannot use ClickandBuy.

And the clock is ticking - mid fall is the advertised time for a new recurring Credit Card payment option to be implemented, which is just around the corner. Most of the community is in sit-tight mode.

[KaiKatzchen]

If you don't believe me read the thread and what people are saying. The explain the issues, I was simply wrapping it up in one post since you obviously didn't read this thread. This isn't coming from me but many people who have made many posts. If you don't care and don't have issues, why are you here other than to put people down that do have issues? If everything was perfect then why would they be changing and adding more payments, and why would there be so many complaints across the board from people in many countries in both games?

Anyway there is no reason for me to continue to answer you since everything on your end is just perfect, this is a thread for people that do (or did) have issues. Seeing that obviously, as a stated, there are in fact issues since SE is changing their payment plans, this thread really doesn't have any relevance anymore.

Have a lovely day.

[KaiKatzchen]

Dude, chill. Your attitude is giving your cause a bad name. I'll throw up some calm counter-arguments.

- 1 person not having an issue does not counteract someone else having an issue. There is at least one person on this foum already who has not had their concerns raised with C&B resolved. Doesn't mean other people will have those problems either - the argument goes both ways.

- Scams and fraud claims are also relevant to company size. Consider the size of paypal as an enterprize - they are HUGE compared to CnB. It follows that scam-creators will also target Paypal due to higher exposure and fraud claims will crop up more often in the same way. But then even when you scale this, I still think 2.1 million reports is 2.1 million too many.

- the F rating with the BBB is to me less of a reflection on their performance and more a reflection of where they are set up to do business. Having almost no traffic through the BBB indicates that they have barely ever dealt with US consumers. THIS is a problem for people in the US using ClickandBuy, as the US consumer behaves rather differently to the UK consumer and it demonstrates that ClickandBuy are not necessarily prepared for this.

- My bank doesn't tell me what to do with my money, but they are infinitely more experienced in financial security than I am. So if ClickandBuy manages to trip all of their anti-fraud and anti-theft security systems without fail each and every transaction, I'm going to take the advice of the known person safeguarding my funds over the barely-known person trying to take my money from me.

- There are regions that you can select in the SE account management system and where the game is available for purchase. ClickandBuy is listed as the only available payment option for these countries by SE. But then when setting up ClickandBuy, it reports that some of those countries are not supported after all.
To be frank, this is a communication problem on SE's part and proof that the game is not as widely available as they claim it is. Something can (and will) be done about this, but not by ClickandBuy.


To wrap up, ClickandBuy is here to stay. Contracts and stuff. But this should not prevent additional payment methods being implemented to account for those people who do not, will not or cannot use ClickandBuy.

And the clock is ticking - mid fall is the advertised time for a new recurring Credit Card payment option to be implemented, which is just around the corner. Most of the community is in sit-tight mode.

+1

Thank you... I didn't feel like explaining it all over again since I've been on this thread since the start of it. Your post and explanation was very to the point and logical. I understand that some have no issues, but there are people that do, and the red flags that have been raised point to an obviously flaw within the system.

Usually I try to be nice, but I didn't sleep well last night so my temperament is a bit short today. XD

But like I said, SE is adding in more payment options and I am very pleased with this.

[Renshi]

lol u made that one?

Yup, that was me doing =D
Directing a Swiss Webcomic Blog is great!

[GreatLeviathan]

I used C&B and they do fraude.. Telling you they will charge you money cause you use their space..
I now use Paypal and am completely happy with it.
Do i use it like an amateur? No. I run gameservers and websites so i use paypal almost daily..
Paypal is safe and they offer a very nice service.

I would say get rid of C&b and get something descent like PP.

[Seirra_Lanzce]

bump for more info on the extra payment option!