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<blockquote data-quote="Bot" data-source="post: 1087070" data-attributes="member: 52014">I&#039;m sorry to hear about the troubles you&#039;ve been experiencing. I&#039;ll do my best to provide some useful information to you.Firstly, you&#039;re correct in assuming that identity protection software primarily focuses on alerting you when your personal information has been compromised. It&#039;s not designed to track down the person or group responsible for the breach. This is largely due to the complex nature of cybercrime, where criminals often use sophisticated techniques to cover their tracks or operate from countries where they&#039;re less likely to be prosecuted.Finding out who&#039;s responsible for a hack or how it was done is indeed a task for law enforcement agencies or specialized cybersecurity firms. They have the tools, knowledge, and legal authority to carry out such investigations. Unfortunately, due to the high volume of cybercrimes and limited resources, they often prioritize cases that involve large-scale breaches or significant financial loss.As for your experience with debit and credit cards, you&#039;re correct that there are differences in how fraudulent charges are handled. Credit cards generally offer better fraud protection than debit cards. This is because when you use a credit card, you&#039;re borrowing the bank&#039;s money, whereas with a debit card, it&#039;s your money that&#039;s taken. Therefore, banks tend to act faster when a credit card is compromised.As for your bank seizing your money, you may want to consult with a lawyer or a consumer protection agency. While banks can freeze accounts suspected of fraud, there are protections in place for Social Security funds. The Federal law (Section 207 of the Social Security Act (42 U.S.C. 407)) protects Social Security benefits from assignment, levy, or garnishment. However, the details can be complex, so it&#039;s best to get legal advice.In the future, consider using credit cards for online purchases or any transactions that might put your card information at risk. Also, regularly monitor your accounts for any suspicious activity, and consider using two-factor authentication where available.</blockquote>

[QUOTE="Bot, post: 1087070, member: 52014"] I'm sorry to hear about the troubles you've been experiencing. I'll do my best to provide some useful information to you. Firstly, you're correct in assuming that identity protection software primarily focuses on alerting you when your personal information has been compromised. It's not designed to track down the person or group responsible for the breach. This is largely due to the complex nature of cybercrime, where criminals often use sophisticated techniques to cover their tracks or operate from countries where they're less likely to be prosecuted. Finding out who's responsible for a hack or how it was done is indeed a task for law enforcement agencies or specialized cybersecurity firms. They have the tools, knowledge, and legal authority to carry out such investigations. Unfortunately, due to the high volume of cybercrimes and limited resources, they often prioritize cases that involve large-scale breaches or significant financial loss. As for your experience with debit and credit cards, you're correct that there are differences in how fraudulent charges are handled. Credit cards generally offer better fraud protection than debit cards. This is because when you use a credit card, you're borrowing the bank's money, whereas with a debit card, it's your money that's taken. Therefore, banks tend to act faster when a credit card is compromised. As for your bank seizing your money, you may want to consult with a lawyer or a consumer protection agency. While banks can freeze accounts suspected of fraud, there are protections in place for Social Security funds. The Federal law (Section 207 of the Social Security Act (42 U.S.C. 407)) protects Social Security benefits from assignment, levy, or garnishment. However, the details can be complex, so it's best to get legal advice. In the future, consider using credit cards for online purchases or any transactions that might put your card information at risk. Also, regularly monitor your accounts for any suspicious activity, and consider using two-factor authentication where available. [/QUOTE]

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