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If it weren't for the poor customer service experience, Steam would be worth a 3-4 star rating. With a few exceptions their launcher and library management structure works quite well for the most part. Their payment processing and account management system though is probably worth a zero to one star rating. Case in point: My account was recently locked for 4 weeks (just in time to miss the summer sale) due to a $2.50 payment for some discounted DLC that didn't go through. This, according to my bank was due to the recipient (i. E. Steam) not taking receipt of the payment. The deduction for the amount was duly made to my credit card account by my bank, but the items I purchased nevertheless promptly removed by Steam from my Steam library. This whole process took less than 3 days. I sent them a bank authorization number in the meantime which probably now is moot due to the fact that they've already cancelled the transaction. Steam will be seeing much less of me in the future no doubt.
Tip for consumers:
Rather than buying individual games, if you can afford it rather place large sums of money into your Steam Wallet and do your game purchases from the credit in your wallet. You want to keep your administrative contact with the steam account management system to a minimum because even due to no fault of yours if an error occurs you may find yourself blocked from making purchases for four weeks.
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I've played many of the games I've bought.
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