I was able to get a refund on Simcity ($70) for that being unplayable. Didn't have to sign anything or go to the bank. All the needed was verbal confirmation, and the money was back in my account. Added bonus, account stayed active and I can still play it (but never do, because it sucks) so F!@# EA and F!@# Maxis. Obviously on a Sub game like XIV, you wouln't be able to continue to pay, but your bank might be able to give you your money back. No harm in talking to them first.