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Click and Buy funnyhahaFollow

#1 Oct 03 2010 at 7:40 AM Rating: Good
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So I set up my SE account and registered my FFXI and FFXIII schwag to get the codes, and then went to set up Click and Buy. Fairly easy process after a bit of trial and error...charge my card the $2.40 yada yada yada. All set and ready to go...

While setting up my character I get an e-mail from my bank (good ol Bank of America).

Dear Customer:

Your debit card has been deactivated due to suspicious and irregular debit card activity on your account. The fraud department has placed your account on high alert. Please contact us at xxx xxx xxx to confirm your recent transactions and identity.

Thank you
International Fraud Department
Bank of America

O.O .............

I called my bank and the fraud department has Click and Buy listed as a possible fraudulent company and flags all transactions involving them...unless you are an international banking customer.

Who knows how much of this is true but I just thought it was hella funny that I had to explain to the fraud department that I play a Japanese online game called FFXIV and that they force us to use London based Click and Buy to pay for the game. International cooperation at its best.
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#2 Oct 03 2010 at 7:45 AM Rating: Good
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Good old Bank of America. They'll deactivate your card if you buy a gallon of skim milk and their records show you only buy whole. Then tell you its a high risk action. From what I understand Click and Buy is like a paypal company. The company itself is legit, while its services can be used for fraud.
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#3 Oct 03 2010 at 7:52 AM Rating: Decent
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Haha I figured that's what happened. Most of the time they leave me alone so I don't mind but the dude on the other line laughed when I said I play FFXIV...maybe he is one of the people who quit because he didn't like it :(
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#4 Oct 03 2010 at 8:01 AM Rating: Good
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Funny story about BoA's fraud department. My friend has a..... well lets say he has a "soft" voice. One day he calls his bank to ask about a charge on his statement. The operator on the phone starts asking him security questions before releasing any info about the account. After about 15 minutes of questions, every single one of which was answered correct, the operator proceeds to LOCK his entire banking account! Checking, Savings, Credit. The operators reason, was that my friend did not sound like a boy. Even after answering every single security question correct, BoA locked all his money because he has a high voice. To make matters worse, I had to call the next morning with a cheat sheet of all his info, to get the account unlocked.
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#5 Oct 03 2010 at 8:35 AM Rating: Decent
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Still, SE never should have used this company if there is ANY concern about its legitamacy, and since day one people have been expressing their doubts about Click and Buy.

Clearly this was just part of the overall "SE treating customers like crap" trend we've seen for a while. Click and Buy offered them the best return and they could use their time trying to fix the innumerable problems with FFXIV instead of figuring out and maintaining a payment system of their own (which I thought they had in place since FFXI, but I guess that cost too much money to run).
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#6 Oct 03 2010 at 9:52 AM Rating: Good
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Lord Rotz wrote:
Funny story about BoA's fraud department. My friend has a..... well lets say he has a "soft" voice. One day he calls his bank to ask about a charge on his statement. The operator on the phone starts asking him security questions before releasing any info about the account. After about 15 minutes of questions, every single one of which was answered correct, the operator proceeds to LOCK his entire banking account! Checking, Savings, Credit. The operators reason, was that my friend did not sound like a boy. Even after answering every single security question correct, BoA locked all his money because he has a high voice. To make matters worse, I had to call the next morning with a cheat sheet of all his info, to get the account unlocked.


Wow, you had to commit fraud in order to convince them you weren't committing fraud. There is only one solution for a bank like BoA: MOVE YOUR MONEY! These guys don't care about you, and they don't feel sorry for wrecking the economy. Put your money in a community bank or credit union, they typically have much better deals and MUCH better service.

Edited, Oct 3rd 2010 11:52am by Solimurr
#7 Oct 03 2010 at 10:04 AM Rating: Decent
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BofA is seriously trigger-happy when it comes to the fraud detection. When they took over the issuing bank for my own CC, I found that the CC gets turned off regularly. When I call I get reasons like this:

BofA: "You were buying gas further than 25 miles away from your billing address ... that's high risk behavior."

Me: "Say what?"

BofA: "When you travel, you're supposed to all us ahead of time so that we won't automatically disallow the charges"

Me: "I am? Wow, I never knew that. But this isn't even traveling, I'm in the same metro area..."

BofA: "We consider gas purchases that far from your billing address to be high risk activity, sir ..."

Etc.

When I was on a business trip in London last year, and tried to check in to the hotel, of course the BofA CC was declined. I called and was told I had to tell them ahead of time I was traveling!! LMAO.

BofA are just covering their butts, because they know that there is a low liability limit, so it's their incentive to err pretty heavily on the side of shutting down the CC pre-emptively. I have never had that kind of treatment from my card issuer before BofA took them over. I loathe BofA, really. Just a really PITA to deal with.

Edited, Oct 3rd 2010 12:10pm by brendan03us
#8 Oct 03 2010 at 11:04 AM Rating: Good
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yfaithfully wrote:
Still, SE never should have used this company if there is ANY concern about its legitamacy, and since day one people have been expressing their doubts about Click and Buy.

So, you want me to tell which company's never been used for a fraud? PayPal? Uh, no. Moneybookers? Uh, no. Direct Credit Card Payment? Uh, no.

Good Luck with finding an payment method that was never used for any fraudulent behavior.

You're not gonna find one.

Oh, and the FFXI payment method you mentioned? It was a nightmare. There's nothing wrong with Click and Buy, it's a well known and established payment processor, at least here in europa. Almost every MMO uses them, iTunes uses them, etc.

But yeh, keep on trolling.


Edited, Oct 3rd 2010 1:04pm by RatofDeath
#9 Oct 03 2010 at 11:11 AM Rating: Good
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MrsGemini wrote:
Haha I figured that's what happened. Most of the time they leave me alone so I don't mind but the dude on the other line laughed when I said I play FFXIV...maybe he is one of the people who quit because he didn't like it :(


Or maybe because Final Fantasy sounds like a very dirty game to people who don't know what it is...Final Fantasy huh?, gee... I wonder what that's all about... Does your mom know you're playing that Final Fantasy game?

Edited, Oct 3rd 2010 1:15pm by Sidicas
#10 Oct 03 2010 at 11:18 AM Rating: Good
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It's true and it is BoA and not Click and Buy.

They trigger fraud protection if an overseas site or service tries to bill your card. I constantly have to call to approve charges from the sites in Japan that I order stuff from.

They are even terrible with services here in the States. Two years ago I tried setting up a second WoW account, and they not only rejected that transaction but the monthly payment on my main account. Then they called twice, to report that the charges from Blizzard were 'suspicious behavior'. I ended up having to switch my billing to another card, because BoA could not figure out how to fix it so the charges would go through. (and I had been using the same card to pay for WoW and FFXI for over a two years).

I definitely understand the need for protection, but I think there is a lot of overkill going on with many companies today.

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#11 Oct 03 2010 at 11:22 AM Rating: Default
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Tenzai wrote:
It's true and it is BoA and not Click and Buy.

They trigger fraud protection if an overseas site or service tries to bill your card. I constantly have to call to approve charges from the sites in Japan that I order stuff from.

They are even terrible with services here in the States. Two years ago I tried setting up a second WoW account, and they not only rejected that transaction but the monthly payment on my main account. Then they called twice, to report that the charges from Blizzard were 'suspicious behavior'. I ended up having to switch my billing to another card, because BoA could not figure out how to fix it so the charges would go through. (and I had been using the same card to pay for WoW and FFXI for over a two years).

I definitely understand the need for protection, but I think there is a lot of overkill going on with many companies today.

-Ten



I'm so glad my credit card company lets me buy whatever I want from whoever.
#12 Oct 03 2010 at 11:37 AM Rating: Good
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withyouforyou wrote:

I'm so glad my credit card company lets me buy whatever I want from whoever.


When we found out what a pita Click and Buy was, I called Capitol One to let them know in advance. I told them CaB is the British version of Paypal, they were 'Oh, really? We'll make a note of that' and seemed less suspicious. They thanked me, then said I was gtg. It sort of made me uncomfortable that they were willing to take my word for an on-line company tho.

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#13 Oct 03 2010 at 12:01 PM Rating: Good
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Wow, im so glad i dont use BoA, PNC has done me right, they never lock my account but if i make a purchase over $600ish or buy a bunch of stuff in a short period of time they will call me and confirm I did it, if I say yes I just get a friendly thanks for using PNC have a nice day and im on with my life.
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#14 Oct 03 2010 at 12:07 PM Rating: Excellent
Funny, my Bank of America debit card has never had any issues like that, and I've used it in 3 different states in one day while on vacation in CT. Also used it for Click and Buy.
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