Despite having a password unique to PSN and not sharing my details with anyone, my PSN account was hacked 2 weeks ago. The fraudsters bought £80 worth of games, removed my consoles/devices from my account and added their own. I found this out after receiving order confirmation emails that were made at 5am on a Sunday morning. I contacted Sony right away and this is what they've come back with;
In relation to the transactions you recently flagged as unauthorised, our investigation concluded that the serial number of the console on which these transactions were made does not match the serial number of the console you provided to us on your original call. Regrettably, as stated in the PlayStation Network Terms of Service, we are unable to offer a refund for purchases made on PlayStation Store unless the content is found to be defective. We have taken the appropriate action against the console which made the purchase but unfortunately we cannot share the details of this console with you for security purposes.
So, they've admitted fraud and taken action that doesn't help me whatsoever...I'm £80 down and Sony don't care. It's all in the T&C's apparently.
Unfortunately the funds were in my PSN wallet, I had received codes for my birthday (and still had some left over from Christmas) and were saving them for some PS+ deals.
My Credit Card wasn't on file, otherwise they might have taken me for more!
But it means I can't do chargeback or contact bank. :(
I am currently preparing a response to Sony. It really is unnaceptable that they state I have been a victim of fraud but their T&C's mean they can't refund. I mean, that's crazy. Awful customer service and relations.