Its a bit early for a refund imo.. but if these issues persist after the 27th, I don't think much can be said to change the minds of anyone who wants one. Buying a game, being given access, and not being able to create a character, or not being able to log in with an existing character is very frustrating. Early access issues, while frustrating, I can forgive. But if this is not fixed by official launch I will most likely be asking for a refund as well.