Someone Used Steal! It's Super Effective!

To suggest that the last seven years of my life have been bad would be a rather significant lie.

They've been horrible.

It started off with the separate, tragic deaths of two family members and my descent into illness, and it's only gotten worse from there. Health issues caused me to drop out of school, my dad's lost his job, I had to spend several months living in another city getting brain scans done... things have not been good.

Is this all relevant? Probably not, but I'm kind of extremely angry right now and who better to vent to than the anonymous collective of the internet? Besides, it'll all make sense in a bit.

You see, last week was the worst of it. Things started off with my grandma being hospitalized, and they only managed to get worse from there. On Friday, I discovered that the financial aid that kept me in school (which has the side effect of keeping me working and paying off the debts I accrued while ill) had been revoked because I'd managed to get an Associate's degree in Liberal Arts. I've filled out the appropriate paperwork, but it may be a week or two before someone gets back to me, and school payments are due on Friday. I'm going to see if I can go make an appeal in person today.

On Friday, shortly after I made a Steam purchase, someone used my Paypal account to purchase around $4,000 worth of goods for Snail Games USA Inc, which, as I understand it, is some Chinese company, presumably dealing in F2P games. I discovered the problem Saturday.

This is the part where you might want to pay attention, because it might happen to you:

First thing I did was get antivirus, malware, and spyware software running, on both my computers. While the chances are slim it occurred on my desktop, given that I'd made my Steam purchase on the laptop, I thought it best to be safe. Unfortunately, these scans found nothing.

The second thing I did was call Paypal. They weren't terribly helpful, because apparently the money still went through, even though they marked them as fraudulent. I will be closing out my Paypal account, and, as my father informed me today, it's best not to use Paypal to pull money from your checking account at all, but to pull it from a credit card, which apparently can deal with fraud better.

Now, the first thing I should have done was call my bank, but they were closed. I called them today, and here's what they told me:

  1. It costs money to issue a stop payment.
  2. You will have to burn your checking account, meaning you will have to get a new one.
  3. You will have to physically go to a bank to fix things.

For those of you who might be unaware of what point #2 entails: I get my paychecks direct deposited into my checking account from work, so I have to go in to work today and provide HR with new info. I'm going to have to change my credit card's online pay info. I'm going to have to order new checks. I'm going to have to make a lot of changes because somehow, someone got into my Paypal account, and I have no idea how.

Because of this, I'm killing my Paypal account.

Long story short, don't use Paypal. Just use your credit card.

So yeah, I feel as though I'm being punished for some crime I haven't committed. Shit just keeps going wrong for me, and I can't catch a single break at all. I'm angry and frustrated, and that's okay, but you can't just be angry and frustrated. You need to take action. Should you get royally screwed, don't panic, don't whine, and don't do nothing. You don't have the time to. Take action, and then react however you need.