支付宝被盜經驗 - 網店

By Joseph
at 2013-11-07T01:55
at 2013-11-07T01:55
Table of Contents
居然也碰到支付寶被盜的鳥事,
心痛了幾個星期還是把經歷給版友們分享,
希望大家都能小心荷包,別再發生類似事件!!
至於那些曉以大義的話就免了,
純粹經驗分享,相信我已經很心痛了就別再酸我了...
開始閒聊了
我原本就有在淘寶購物的習慣,加上[非常多]朋友會找我代付款,
所以支付宝裡有個幾千餘額是常有的事,
然後8月初和朋友休了一堆假到大陸玩+探親3週,
大家剩一堆人民幣(約7千)沒花完就請大陸親戚轉進我支付宝裡,
於是我的支付宝裡加上原本的餘額有8千多,
也就是台幣4萬多 對 最後全被盜了
存入後幾日朋友要我幫他付錢時,我進了淘寶正要拍下,
猛然發現我的淘寶綁定支付宝帳號不太對勁,
原本綁定的是 [email protected] 雅虎的信箱
但變成了 [email protected] 前面的XXXX都一樣
一開始以為系統錯了嗎? (哪來的系統啊!?)
我什麼時候用163這個信箱了? (後來查證163是大陸的免費信箱)
然後我登了支付宝進去看,
由於我用估狗瀏覽加記憶密碼之類的吧,不用輸入密碼就轉入網頁了,
一進去左上角應該要出現我的姓名的地方,
居然出現了一個簡體字的陌生人名,
當時還想說: 哎呀!登到別人帳號了啊? (太大意了吧!!)
直到發現不太對勁...
看了購物紀錄的確是我的帳號沒錯,
應該顯示8千多餘額的地方居然顯示0
還在以為系統錯誤登出再登入後應該就沒事了 (到底哪來的系統啊!?)
結果登出後要重key密碼就再也豋不進去 不停顯示密碼錯誤
申請新密碼出現mail到[email protected]的信箱 (別鬧了我根本進不去那個信箱)
然後就開始漫長的接通客服時間
先是網路客服(光排隊就等了將近一小時)
重點對話只有2句
我:我的支付宝帳號xxxx餘額應該有8千多怎麼變0了??
客服:請稍等
.
.
.
.
客服:你的帳戶已經被消費了並超出我們的工作範圍請改撥xxxxxxxx
心急如焚的撥了國際電話給電話客服
先是語音接通後的[轉接中請稍後]就等了40幾分鐘
x的一分鐘12元的國際電話欸
終於接通了我很快地把問題覆誦一次給電話客服
客服:嗯.....看起來你的帳務已經消費過了
我:我沒消費啊!什麼時候消費的?還有餘額嗎?
客服:哦!那可能是惡意消費吧!反正現在餘額是0
我:可是那不是我的名字的帳戶嗎?怎麼會變別人的名字了?
客服:哦!那可能是惡意盜用並被改成別人的帳戶了
我:怎麼會這樣?我有兩個密碼的不是要兩個密碼都通過才會付款嗎?
客服:恩..是的,通常是這樣子的,不過如果被惡意入侵可能就沒用了
我:(最重要的)錢還拿得回來嗎??
客服:恩..我這裡看到已經在xx網(沒聽清楚)購物並且在同一天按了確認收貨付款了
基本上錢是拿不回來了,不過你可以報警看看但應該是不會受理
(無言)
客服:我知道也許我們沒能幫上你什麼忙你的心情也肯定不好受
但希望您在結束通話前能給語音評分一個好評 謝謝您的來電
.
.
.
.
.
掰了8千RMB 掰了4萬台幣 掰了每分鐘12元的國際電話費
身在22K鬼島的高消費天龍國 每個月存5千8個月存4萬
結論是
1. [惡意被盜] 的原因很多,電腦中毒或被入侵什麼的,
客服說什麼原因都有可能啦
2. 不要以為你有實名認證就無敵 客服說實名被盜的人也很多
反正要盜你就是有辦法
3. 被盜了沒有補償機制嗎? 客服回答是有的,但門檻也很高,
要被盜的72小時內發現,有實名的帳戶並且電腦沒中毒(怎麼界定?)等等,
而且不是全額賠償
4. 被盜了怎麼辦? 也別浪費錢浪費時間打國際電話給客服了
帳戶就放棄吧重新申請一個 明天睡醒找幾間大廟走走找個道士去去霉運吧
5.報警有用嗎? 你說勒
6. 帳號怕被盜要怎麼用支付宝付錢?
當初因為親戚可幫忙換錢省手續費所以都是存一堆餘額,
現在被盜怕了學會用郵局VISA金融卡付,買多少郵局就存多少,也不怕信用卡被盜刷,
用郵局VISA有幾個程序要注意 要先開通[非店刷] 和 [海外消費] 功能,
就是可以線上刷和國外刷,然後手續費是1.5%,限額部分好像是每筆3萬和每月6萬台幣
事後聽到不少人支付宝被盜的經驗,有的是幾百塊,有的是幾十塊,有個是8.9元...
連零頭都不放過啊!!
然後也聽到信用卡被盜刷的經驗,
最血淚的是某個在大陸工作的朋友的大陸朋友(咦好饒舌),
他在淘寶買東西是先用銀行卡轉錢到支付寶再用支付宝付款,
花多少轉多少看似安全,某一天就被全轉全付全盜了!此生積蓄一夜蒸發!
所以還是建議刷VISA金融卡吧!花多少就存多少不會超刷!
以上含淚分享 世道真亂小心防賊
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