When a cardholder or financial institution disputes a purchase made through Steam resulting in a payment reversal, this is considered a chargeback.
Chargebacks typically occur when someone identifies unknown charges on their bank account, or finds purchases that were made without their consent.
In order to protect our users from additional unknown charges, accounts associated with chargebacks are restricted while disputes are reviewed.
The quickest way to remove the restrictions is for the purchaser to contact the financial institution associated with the disputed payments in order to close them; doing so will restore access to the disputed content, as well as removing the restrictions from the account.
Depending on the institution associated with the payments, it may take several weeks after closing a dispute for the content and account features to be restored.
If the charges were made without your consent, please contact Steam Support in order to resolve the issue and safeguard the account from future unauthorized activity.
With any chargeback, funds are held from Steam or returned to the cardholder. Since the funds are removed, the product is temporarily locked.
If a dispute is closed and the funds are returned to Steam, the content associated with the dispute will be restored.
We encourage users to work Steam Support for technical issues with products. Users may also need to contact the developer/publisher of the product for specific technical support.
If issues are unable to be resolved through support, users are encouraged to submit a refund request through Steam.
If a chargeback cannot be reversed by working with the financial institution associated with it, please contact Steam support for further assistance.
Hardware chargebacks are similar to regular chargebacks in that your account will automatically be locked and restricted from future purchases.
Like regular chargebacks, you can remove the lock on your account by removing the dispute with your financial institution. Unlike other chargebacks, however, accounts locked for Hardware chargebacks will not be unlocked until the associated hardware is returned.
If you have disputed a hardware purchase please contact Steam Support to resolve your issue.