After conversing with the chat representative, he confirmed they are not offering refunds for the downloaded product. I informed him that (a) I would be cancelling the transaction with my bank and (b)while I understood that it would result in my Origin account being permanently canceled, it was my only remaining alternative. He seemed genuinely understanding of my decision, but wouldn't budge on the refund. It's going through the bank as I type.
If you have these issues, fine.. give me my refund and win me back later when you've proven you have a solid product that everyone is enjoying.For me, I realized that I hadn't played SimCity 4 in a while and I'm downloading my old favorite mods from here.. ;-)