My account had 6000 MSP purchased out of nowhere in the middle of the night about 3 months ago. Fortunately, I had email notification enabled, so when I woke up, I got the email saying the points had been purchased. I then immediately ran to my computer, was able to log in to my Windows Live account, and changed my password. I then called MS support later that day. They shut down my gamertag's purchasing ability for about a week, but I was still able to log in and play without issue. They also removed the points from my account and refunded my money - fortunately, it had been using an older debit card that I don't use much any more, and they cleaned out the minimal amount I had left in that bank account and the bank bounced the transactions, which is likely why the phisher didn't bother changing my password or buying FIFA cards with the points.
After about a week, MS support called me back, asking me to call back. I did call back, and the agent I got seemed semi-clueless as to what was going on. I told her I was now fully in control of my account, I had changed my password immediately, there had been no further unusual activity, and I had gotten my money back, and I convinced her to unlock my purchasing ability. My account is now fully active, and I haven't seen any further issues.
Now, I will note my XBL account info had been the same info as my PSN account as of the big hacking and I had been too lazy to change it, so I'm guessing that's where they got the info. I think the reason I was able to keep my account active and get it back to full status so quickly was because I changed my password immediately. I recommend people pay attention to the email receipts MS sends out and if you see an unusual one, run, don't walk, to live.com and change your password if you still can. Then you can call MS to report the fraud, but as long as you remain in control of the account, I think things will work out better for you.
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