Jared1138: I finally decided to create a GOG account yesterday to partake in the current "time machine sell." After creating it I attempted to purchase Simcity 2000 with a credit card, only to be told that my payment attempt "had been declined." I then tried to use two prepaid debit cards I had lying around but was still given the same message. After contacting support I received an email which basically said to try using paypal instead.
Fast forward to today, I learn that my credit card information has been stolen. GOG was the only thing I've attempted to use the card on recently so I have no doubt that it's related. I don't see myself using GOG ever again after this, but I want to pass this along to anyone else who's about to purchase a game with a credit card and potentially save someone from having to go through the same frustration.
The likelihood that GOG or anyone who works at GOG stole your credit card information and committed fraud with it is extremely close to zero, if not a negative number approaching negative infinity. You're upset about having a credit card related problem happening and that is entirely understandable, but you're reacting emotionally to it and casting blame without really knowing what the real problem is.
The two most plausible things that come to mind are:
- Your computer is infected with malware that detects and steals credit card information when it is used over the web, sending the details to some central command and control center which then ends up being used by fraudsters who created the malware. That's probably the most common case people experience right there.
- Your card was not fraudulently used but your bank is wary of a financial transaction taking place in Cyprus all of a sudden without having ever done one there before. GOG.com's payment processing takes place in Cyprus, but many banks have flagged payments going to Cyprus as potential fraudulent activity if the card has never had a history of transactions there because a lot of criminals apparently funnel transactions through Cyprus. In this case, it is just a bank with a hair trigger being overly cautious and flagging all transactions to Cyprus as potential fraud if they've never seen activity on the card to Cyprus before just to be safe.
The steps to get this resolved are basically:
- Contact your bank and find out exactly whether actual fraud did take place and there are charges that went through your card successfully, where they were from, and to whom.
- Contact GOG.com support, they are fantastic to deal with and will help you in any way they can.
- Install current antivirus/antimalware software on the computer or device you used to attempt the transaction, and scan and clean the computer/device if any malware is found. Personally I recommend doing a complete fresh reinstall after wiping the hard disk if any malware is found.
When you contact your bank, if it turns out that they stopped the transaction simply because it was coming from Cyprus, tell them that you were attempting to make a legitimate purchase from a company called GOG.com out of Poland, which processes financial transactions through a bank in Cyprus and that the transaction is legitimate.