Microsoft's apparent lack of safety precautions on smaller purchases

Discus and support Microsoft's apparent lack of safety precautions on smaller purchases in XBoX Accessibility to solve the problem; I just got off the phone after a nice chat with my bank. According to them, Microsoft does not require expiration date or cvv code verification on... Discussion in 'XBoX Accessibility' started by Italeon, May 14, 2022.

  1. Italeon
    Italeon Guest

    Microsoft's apparent lack of safety precautions on smaller purchases


    I just got off the phone after a nice chat with my bank. According to them, Microsoft does not require expiration date or cvv code verification on small purchases. This makes random number generator attacks incredibly easy. So while I was working a rough job in a low paying field helping children with disabilities. My purchasing power was drastically reduced to the point were I have to ask a friend to help pay for my groceries until this is sorted out and I can pay them back. 61 purchases for 9.99 on my debit card that I do not use for the express reason of preventing this situation. Someone who has never seen me, or my debit card, managed to clean out my account because their computer program guessed my debit card's 16 digits. A simple expiration date or cvv code check would have prevented that.

    So either my bank (a fortune 500 company) is wrong, you do require verification like a responsible company, and they led me down a rabbit hole for no reason, or your security practices are atrocious for a fortune 500 company and whoever is in charge of that needs to wake up and make some changes immediately.

    To be clear, I am working with my bank to get this corrected but as I have to wait for charges to post before I can dispute them... I'm not exactly in the best situation here... Pretty sure that's on you Microsoft.

    My question therefore, is my bank right and your security practices are not acceptable and should be changed immediately, or is my bank wrong and someone hacked them and they don't want to admit it? ... I don't really see an alternative...

    :)
     
    Italeon, May 14, 2022
    #1
  2. Ricardo Lechuga Win User

    Microsoft's apparent lack of safety precautions on smaller purchases

    Hi Italeon! My name is Ricardo an independent advisor ready to help you with this situation!

    If the purchase is made from your Microsoft account you won't be required to give the CCV and the expiration date of your card on all your purchases, but I repeat, that's only if you are doing the purchase with your Microsoft account, the one on which you already entered this information for the first purchase you made

    Any other Microsoft account will need to give the card number, CCV and the expiration date, as well as the billing address for the card before being able to do a purchase
  3. ngocphi Win User

    Microsoft's apparent lack of safety precautions on smaller purchases

    Nope strange your bank doesn't tell you about the facts

    To add any payment option you.must have physical access to the card as your CV and expiry dates arent even stored by your bank

    No-one can randomly guess your 16digit number and not enter your cv after 5x guessing and failing you can't add the payment option

    Fyi what your bank is telling you you misunderstood

    No.billing company can add your card without a cvv or expiry date

    However.the misunderstanding is once you add the cvv and expiry date yes you no longer need them

    Again they need physical access to your card

    Sibling or spouse or kids or people you lent your account to after you added the card

    You would also have 3 test charges 99 cents each when you add a card to any retailer didn't you notice those test charges ?

    This your bank should know

    Noone but anyone with physical access ro your card would be able to add it to their account

    If you gameshare then you need to stop you don't lend out your account to anyone period

    or your kids do maybe Soho is a better option for them
  4. Farscape247 Win User

    Microsoft's apparent lack of safety precautions on smaller purchases

    well weird for the bank to say that, when i add a payment option to my microsoft account it requires the expiration and cvv code, but once added it is saved until i remove it like most other companies out there, for future purchases or subscriptions.

    if you do not have a payment option stored then you would need to add one and as i stated that will require the above and most of the time a small test charge is made to make sure the account is real, this small amount is not actually removed.

    without the cvv and expiration and matching name on the account you cannot add the card as a payment option.

    your account should not be compromised if you have 2 factor auth enabled.
  5. Ghost190063 Win User

    XBox One S Manual in Pdf form

    Hi,

    This is not the user manual, only safety precautions in many different languages 😩...
  6. Internet Expert Win User

    My Xbox One Suddenly Thinks I'm Under 11

    As a safety precaution, I would suggest you change your password to your account. For all we know, there could be some unauthorized access going on.

    Since this is a Microsoft Account problem, you can check this support article (HERE). Apparently there is a way to override things and force your
    account into "Adult" status if the system thinks you're a "child".

    You will need to provide a credit card, or you can provide some kind of proof of your real age. Read through the article for further details.

    Hope this helps straighten things out!
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Microsoft's apparent lack of safety precautions on smaller purchases

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