Well, it finally happened — I fell victim to one of my loyalty program accounts being hacked, specifically my Southwest Rapid Rewards account. On Dec. 3, I received an email from Southwest at 9:30 p.m. EST confirming my hotel reservation at Hampton Inn & Suites Kalamazoo-Oshtemo for a check-in date of Dec. 4 and a checkout date of Dec. 5.
The email stated that 17,100 Southwest points were deducted from my account to book this hotel. According to TPG's December 2024 valuations, that's about $240 in value. Initially, I thought this might be a phishing email scam trying to coax me into clicking on the links provided to steal information. Immediately, I logged into my Southwest account to check if the points had been deducted.
Unfortunately, yes, this hacker had used my hard-earned reward points to book a hotel stay.
Here are the steps I took to get my points back and how you can try to prevent hackers from stealing your points and miles.
Related: How to protect yourself against rewards program data breaches
After realizing that someone had accessed my Rapid Rewards account, I immediately changed my password to prevent additional points from being used. Next, I called Southwest to inform the airline that my account had been hacked and that my points had been used fraudulently.
Because it was late at night, the Southwest representative informed me that this was a Rapid Rewards issue — she could only assist with flights and not hotel reservations — so I would need to call the phone line for the loyalty program in the morning when it reopened.
However, the Southwest rep told me to call the hotel directly to let them know that this reservation was made because my account had been hacked. Though it would not help me get my points back immediately into my account, it was worth leaving a paper trail of the steps taken to show that this was fraud.
When I called the hotel directly, the front desk employee was extremely apologetic. Though she could not cancel the reservation on her end, she left a detailed note for her manager to give me a call in the morning so he could try to resolve the issue.
Related: How to identify and prevent credit card fraud
Though nothing further could be done that night to get my Southwest points back, I spent the next few hours making sure my loyalty program passwords were updated. While some airlines and hotel programs have employed two-step authentication, others, such as Southwest, have not yet followed suit.
To give myself peace of mind, I decided to change all of my passwords to try to mitigate the risk of my other accounts being hacked and my rewards being stolen using my information.
The next morning, I called Southwest Rapid Rewards and gave the woman a detailed description
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"Which credit card should I get next?" It's easily one of the most common questions we at TPG get from readers, friends and family members. It's also one of the most common questions we ask ourselves. Most of us are constantly chasing our next sign-up bonus and trying to optimize the travel perks we hold in our wallets with our changing spending habits and travel needs each year.
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This as-told-to essay is based on a conversation with Nicole Echeverria, 31, who moved from New York to Portugal in 2019. The following has been edited for length and clarity.
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