Hi,
Both FIA and Bank of America, are notorious for this.
But there are not "external" hackers, as you never see/get anyone busted up for it.
It's an internal scoop! Check this out!
I got the card with a really LOW rate. Within a year, the account was hacked 3 times, and the Interest Rate went up. They returned the moneys, etc, etc, etc, but the interest rate went UP ... why? ... your account is now one with a "higher risk", and therefore, your interest goes up! A month later, someone calls asking if I want to get the insurance for the account which costs 9.95 per month ... but the interest rate is still NOT returned to the low interest!
So, I did not renew and asked the FIA account to close ... and these accounts were "transferred" to Bank of America, and they issued a new card on an "inactive" account ... AND THE MF'RS PROCEEDED TO "AUTHORIZE" THE CARD ILLEGALLY, AND ALLOW A PROCEDURE TO GO THROUGH! On an inactive card, they changed the expiration date on their own, and allowed an old card -- that had the previous expiration -- to be accepted by that bank ... without my permission.
The hard part? You can't file complaints about this, and both Congress and House are not interested, and these financial institutions are running a muck ... besides not telling anyone what their computer code is doing underneath all of us ... that we will never know or understand!
Where is the problem? ... the bank ... if someone can hack it that easy, it is obviousl that someone else can as well ... but these internal hacks are much more important and dangerous than any other hack out there.
That said, there are "pros" out there ... but I would easily state that a good 75% of these are internal and can not be prosecuted, because the banks do not report them, and the police and FBI are not interested in banks except when they get robbed! Just like the movies!