Well, this sucks. But, sadly, it's not uncommon. Sony really need to sort themselves out in how they deal with fraud on their network.
Currently experiencing some extremely bad customer service from Sony UK.
Basically had £80+ stolen from my PSN wallet. Sony, after a 2 week investigation confirmed that I didn't make the purchases and action had been taken against those who did.
Great....BUT.....no refund to my wallet.
I phone them up and email...all I get is some drone reading the 'Terms of Service'...again, and again and again.
Asked to speak to a manager. Apparently no manager exists (seems a common lie reading this thread) and the decision is final. I didn't accept this and was promised a call back from a more senior figure...guess what, 5 days...no call back.
Awful service.
Sony's policy is unfair, of questionable legality, and extremely anti consumer.
Sony have been hacked in the past, and were fined for it. They didn't play safe with out personal data and financial details.
WE SHOULD ALL BE WORRIED that whether your account being compromised is your fault or Sony's fault...it will always be YOU (the user) who suffers the blame and foots the bill.
Sony's Terms of Service now states that YOU (the user) are responsible for all activity on your account. Meaning, even if Sony are at fault, they won't admit it and YOU are always liable. Adding to that insult, Sony will do absolutely nothing to help victims of fraud on their network beyond notifying them that they have been a victim of fraud (and placing the blame squarely upon the user).
Sony's Terms of Service are therefore of questionable legality as they are unfair and one sided in favour of themselves. It also doesn't consider their responsibilities to protect the user's data. It is anti-consumer and immoral, and they shouldn't be allowed to get away with it.