Admin

My Identity Was Stolen By Rogue AI

By
Mortgage and Lending with Mortgage Broker NMLS ID 2280851

hacking browser cookies

I haven't been on ActiveRain for a few weeks, and I'm really disappointed about that. But I had a hell of a July!

About 4 weeks ago, I logged into Facebook. Nothing abnormal- just checking on my business pages, etc. 

The very next day, about 24 hours later-- I was permanently banned from Facebook for "launching fraudulent ad campaigns." It turns out that someone posing as me launched dozens of ad campaigns for bogus products, using bogus credit cards. The hacker wasn't interested in my posts or my friends, the hacker just needed any account so that they could get it and launch their fraudulent ads selling (and this is important) AI slop / Fake products. 

Now, over the years, I will admit: When people say "my Facebook account was hacked," I immediately think it's bullshit. I have been very judgmental over the years about this, and I feel pretty dumb now. How could your Facebook account be hacked? Don't you have to paste in a code when logging in from an unknown device? 

Then Came More Bans

The next day, I was banned from my favorite AI platform- that I use for everything- which is Claude.ai (Anthropic). They literally will not take my money. If I want access, I would need a friend to pay for me- but then I'm risking my friend's account if Claude figures it out.

I literally use(d) Claude for everything I do/did, except writing this article. I wasn't sure how I was banned from Claude and they won't tell me. All they can say is that I violated their Terms Of Service. Everything on their list is also illegal or immoral in real life, and what could a hacker have done with my account?

They Charged My Credit Card $5 at a Time

What's wild about this is that it all unfolds so slowly. It was a few days after that, I woke up to 86 charges on my American Express. All of the charges were $5, so it wouldn't kick off a fraud alert. But after the 86 charges, they made one charge for over $5,000 and that's when Amex finally noticed and stopped it.

Lessons Learned?

Chrome extensions can be very bad. If someone makes an extension and abandons it- like the developer dies- a hacker can come along and "claim" it as their own- like a Google business listing. Then the hacker updates the software and it's already on your machine.

The way this happened is that they/them/it stole my browser cookies. Meaning, if someone got hold of your browser cookies, they could just drop the cookies into their own Chrome cookie folder, and when they go to Facebook, they will automatically be logged in, just like you are. 

That means my password was never leaked or guessed- and that makes a lot more sense. How could someone guess my password? Welp, the hacker never saw my password. Didn't need it!

But that's not all... My browser also has cookies that store my credit card information. So, like Facebook, nobody actually had to know my credit card number, they just needed to click a on "Google Pay" at checkout-- and my browser cookies just filled all of that out for them. The CSV? The hacker still doesn't know what that is. Google Pay uses asterisks in that field. They were able to use my credit card without having all of the info.

Google Will Never Leak Your Data, they say

Google will tell you that your credit card is 100% safe with them, and I believe it. But you know who your credit card is not safe with? 

Your machine!

Before I figured out the Chrome Extension problem- I could not figure out how someone could have access to my machine. That should be impossible.

This is the bad side of AI. I am 100% certain that an automated AI agent was involved in this attack- in fact, there might not have been any human interaction at all. I can't tell. I don't want to write a book, but I have very specific reasons why I think this was an AI attack. I'll give you the most obvious one:

The 86 Fraudulent Charges Were All For Tokens

If you have a paid AI subscription, you pay for something called "tokens." Think of tokens as the currency that AI uses. When I woke up to all of those credit card charges, they were specifically used to buy AI tokens. Meaning, the AI was feeding itself with $5 charges. When it ran out of tokens, it said, "let me buy more in such abrass token way that Amex won't stop me".

Everything that was done was "virtual." Nobody purchased any food or assets with it. They didn't buy a computer or a skateboard. They just paid for AI food.

This is where it gets really crazy. The hacker was generating fake ads for fake AI slop. And as far as the tokens needed to run those ad campaigns- the AI was buying tokens for itself.

The AI that hacked me knew that more superior AI exists (Claude Fable). That's why the AI was paying for tokens-- it was using the tokens to access  a smarter AI. I still can't wrap my head around it. But they used a cheap / free AI and that AI accessed Claude Fable and used Claude Fable do its dirty work. Hence, I was banned from Claude.

Imagine if you went to ChatGPT and chose their "dumber" model. But instead of giving you an answer that might be wrong, it goes and asks Grok, because it thinks that Grok is more knowledgeable for this particular task.

Yes, this sounds like science fiction and I wish it was. 

Comments(20)

Show All Comments Sort:
Lew Corcoran
Better Living Real Estate, LLC - East Bridgewater, MA
Expert guidance. Exceptional results.

Wow, what a wild ride you’ve been on, AZ Mortgage Broker: Michael George. Thanks for laying it all out so clearly, because it’s eye opening and a little spooky to think how fast this stuff can snowball. I’m glad you shared it, even if the story made my coffee feel a bit nervous.

Aug 08, 2026 02:14 PM
Dorie Dillard Austin TX
Coldwell Banker Apex Realtors, LLC ~ 512.750.6899 - Austin, TX
Educating. Encouraging. Serving.

Good evening AZ Mortgage Broker: Michael George ,

OMG as I was reading I couldn't believe it! You have been through the mill and back! It does sound like Science Fiction...keep us posted.

Aug 08, 2026 06:25 PM
Joan Cox, Retired Broker/Owner
Denver, CO
Enjoying Every Day to Its Fullest!

Michael, so sorry to hear this, and spammers/scammers are so popular these days in every aspect of our lives.   Hope you can get Claude figured out.

Aug 09, 2026 02:03 AM
AZ Mortgage Broker: Michael George

Claude has maintained their ban even after my plea Joan Cox, Retired Broker/Owner ! It's really upsetting. :(

Aug 10, 2026 12:47 PM
Nina Hollander, Broker
Coldwell Banker Realty - Charlotte, NC
Your Greater Charlotte Real Estate Broker

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

AZ Mortgage Broker: Michael George oh my goodness, Michael. What a terrible thing to go through. Thanks for sharing your story and for the warnings. Personally, I've never believed anything Google says. I'm quite familiar with these small charge amounts. We see them now and then on our credit cards and because we monitor charges daily, report them immediately. I do my best never to save my credit card numbers anywhere.

 

 

 

Aug 09, 2026 05:29 AM
AZ Mortgage Broker: Michael George

Yeah, this changed the way I am going to do things from now on . I am going to make one-time use virtual cards with Capital One.

Aug 10, 2026 12:48 PM
Nina Hollander, Broker
Coldwell Banker Realty - Charlotte, NC
Your Greater Charlotte Real Estate Broker

Carol Williams good morning, Carol... I'm suggesting this post for your Second Chance Saturday. Everyone should read it and take heed.

Aug 09, 2026 05:29 AM
Gwen Fowler SC Lakes & Mountains 864-710-4518
Gwen Fowler Real Estate, Inc - Walhalla, SC
Gwen Fowler Real Estate, Inc.

Michael, this is unsettling because it shows how much damage can happen without someone ever knowing your actual password. The browser-cookie explanation especially caught my attention. Whether AI handled every step or not, the bigger lesson is clear: we have to think beyond passwords and be much more careful about extensions, stored payment information, and access on our own devices.

Aug 09, 2026 05:53 AM
AZ Mortgage Broker: Michael George

Gwen, you really read my article! :) Yes, the cookies should scare the crap out of you. I've been a nerd my whole life and I never realized that was possible. I did some research to find out why Facebook doesn't include the user's IP address in the cookies- to cross reference pw and IP. The bottom line is that Facebook doesn't want to annoy their customers with a login required every time they go from phone to computer to whatever. But think about this: Anyone that had access to your computer-- repair guy for example- could steal your cookies and use your credit card without ever knowing the full CC number!

Aug 10, 2026 12:53 PM
Dr. Paula McDonald
Sand 'n Sea Properties - Galveston, TX
Galveston, TX 936-203-0279

This is insane and causes all of us to be wary of so much in this AI era. Thank you for posting to raise awareness.

Aug 09, 2026 06:15 AM
Brian England
Ambrose Realty Management LLC - Gilbert, AZ
MBA, GRI, REALTOR® Real Estate in East Valley AZ

That is so crazy, and I hope that all will be well.  I hope that you won't lose anything, other than being locked out of those sites for a while.  This sounds like one of the scary sides of AI.

Aug 09, 2026 07:06 AM
Kat Palmiotti
eXp Commercial, Referral Divison - Kalispell, MT
Helping your Montana dreams take root

Wow, thank you for the warning. This is terrible. I hope you are able to get back in business soon. I will be very careful about accepting cookies!

Aug 09, 2026 07:10 AM
AZ Mortgage Broker: Michael George

My years-old Facebook biz account (18 years old) is gone forever Kat Palmiotti ! I just can't believe it. 

Aug 10, 2026 12:54 PM
Kat Palmiotti

Wow

Aug 10, 2026 01:16 PM
Kathleen Daniels, Probate & Trust Real Estate Svcs.
KD Realty - 408.972.1822 - San Jose, CA
Probate Real Estate Services

This is  beyond crappy - I am sorry that happened and that you had to deal with that AZ Mortgage Broker: Michael George 

I confess, you lost me at Chrome browser extensions. Could you write a post explaining that so we can be sure we have not knowingly or unknowingly created one? 

 

Aug 09, 2026 08:52 AM
AZ Mortgage Broker: Michael George

Of course Kathleen- I will write that post. If you use Chrome though- you probably installed an extension at some point- but it's possible you have none. But yes, I will swing back around to this.

Aug 10, 2026 12:55 PM
Paddy Deighan MBA JD PhD
http://www.medicalandspaconsulting.com - Vail, CO
Paddy Deighan J.D. Ph.D

Sorry this happened to you … this is very intrusive and unfortunately… it will get worse. There is very sophisticated software that enables this piracy

Aug 09, 2026 10:10 AM
Dario Ferreira
Attleboro, MA
Internet Marketing & SEO

Scary stuff.
What Chrome extension was the culprit?

Aug 09, 2026 06:45 PM
Sam Shueh
(408) 425-1601 - San Jose, CA
mba, cdpe, reopro, pe

Companies like Zillow who lists home. loans, rental, and title once break into their database one can lose everything about borrower, credit, home, personal income and id. I am always questioning if these combined services are even allowed.

Aug 09, 2026 08:50 PM
AZ Mortgage Broker: Michael George

Sam Shueh You are 100% right, which is why I'm switching to one-use virtual credit cards. Just recently, MortgageEducators.com- which I used for my own SAFE exam - had a hack that got the credit cards of 24,000 members. The crazy thing is that ME didn't make an announcement or tell anyone- I found out from the attorney suing them. It doesn't inspire confidence.

Aug 10, 2026 01:01 PM
Ed Silva, 203-206-0754
203-206-0754 - Waterbury, CT
Retired Real Estate Broker

That is a nightmare of a story, and the reality is it can happen to anyone that spends enough time on social media.  Computers do make our lives so much easier and yet they can destroy it as well.

Aug 10, 2026 05:10 AM
Corinne Guest
Corinne Guest - Lake Barrington, IL
Retired Broker. FX Trader, Golden Retrievers.

For this reason alone, I am happy I am no longer on any social media. I don't need it and it don't need me. Retirement has it's benefits.

Aug 10, 2026 09:44 AM
AZ Mortgage Broker: Michael George

I'm really not either Corrine! (Nice to see you still around by the way! I love when I see a face from the past.) I was only on Facebook because of my business pages. I don't have an active Twitter or Insta or anything. But yes, social media is what will be our downfall.

Aug 10, 2026 01:03 PM
Adam Feinberg
Howard Hanna Elegran - Manhattan, NY
NYC Condo, Co-op, and Townhouse Advisor

Wow, this is awful to hear and I hope you can reclaim everything without too much more effort.

I have often said that the majority of passwords and usernames were ridiculous and in no way guaranteed and real protection. Sometimes your info is stolen by staff of the underlying site, a flaw in the programming or malicious attacks from items such as cookies or browser extensions. I am no tech guru- but we continue to see these types of breeches- and while the average person can do some things to protect themselves online- it's not realistic for the typical or even well educated consumer to know how to protect yourself from a variety of threats that aren't so obvious. 

Quantum computing will find ways to crack usernames and passwords with ease, and it's coming sooner rather than later without the need for super cooling. We need a better way- and neither password managers nor manually having a book beside your computer with all usernames and passwords are not the solution either. 

Aug 10, 2026 02:30 PM
Katina Hargrove 352-551-0308
Stake Your Land Realty, Inc. - Eustis, FL
Broker/Owner

Good evening AZ Mortgage Broker: Michael George wow, wow, wow, I read all your words, it sounds like a nightmare. We all need to keep an eye out for our information, nothing is secure anymore. I actually got booted out of a site because I did not follow their guidelines, I was not allowed to log in for 15 days. Technically after the time elapsed, I removed all my information from it. It was Nextdoor, I didn't really get much out of it, so I am not post on it anymore. I never did anything wrong, but I am not sure if someone invaded my site to cause an alert. 

Aug 10, 2026 04:57 PM
Mark Don McInnes, Sandpoint-Idaho
Sandpoint Realty LLC - Sandpoint, ID
North Idaho Real Estate - 208-255.6227

Yikes !

Aug 11, 2026 10:15 AM
John Juarez
The Medford Real Estate Team - Fremont, CA
ePRO, SRES, GRI, PMN

 After lerning about AI systems breaking into other AI systems, I do not believe that anything is safe.

Aug 12, 2026 05:59 PM
Jon Karlen
Finish Line Realty - Louisville Ky Real Estate - Metropolitan Service Area - Louisville, KY
Louisville Kentucky real estate - Metro Area

So sorry to hear of this!  Appreciate the insight and lessons learned.  (I have some extensions I probably need to remove as well.)   Technology can be a great and convenient thing...until it goes wrong.  Just a lot to keep up with, the hackers and scammers are always on the hunt for the next loop hole to exploit.

Aug 15, 2026 06:48 AM