LOL, I can only guess how it happened. I saw HesComingSoon's post and while I agree that computer security is very important, I can guarantee you my PC is clean. I never download anything that is the least bit suspicious and I have a strong firewall up and running. I remember once going to the GW Wiki and my firewall popped up and shut down my browser. There was a virus in one of the flash ads. And yes, I ran a thorough scan last night. I'm clean.
(....to the doubters, if I wasn't clean then both my GW accounts would have been taken and probably the RS account as well. They wouldn't have attacked the NCSoft account that I never use........)
About a month ago, GuildWarsGuru was hacked.

They had an announcement about it stickied on every page there for awhile but they've since taken it down. They said they didn't think the hackers made off with any passwords but they weren't sure and advised everyone to change their GW Account passwords if you used the same password at Guru.
Regardless, using the same password for a game account and that game's fan forum is
HIGHLY UNWISE. A game company's servers usually have a very high level of security and are considered as "hack proof" as it is possible to be in today's society. Fan forum on the other hand are generally extremely hackable. The average fan forum doesn't have a highly qualified staff of computer experts. Guru has a staff, but not a big budget and they take as many precautions as they can. In comparision, our TOJ forum here is highly vulnerable to attacks if a gold seller company decided to come after us and steal the account names and passwords here. We only have a handful of gw players though and there is no guarantee that any TOJ forum passwords match our game account passwords. In other words, we aren't a profitable target for hackers looking to steal accounts. Guru though has thousands of gw players registered and if only 50-100 of them used the same password, it would still be a huge gain of accounts for the thieves.
My gw account has a unique strong password so I wasn't worried when i saw the announcement.

I didn't even think about the NCSoft Master Account. I don't remember even setting up a master account even though I knew I had at some point in the past in order to access the ingame store. I've never used it and didn't know the password until I tried to recover it last night. The "password hint" I had set up on their site told me it was the same password that I had used for guru.
The thieves had my guru password and used it to steal the NCSoft master account. NCSoft's security basically sucks. If you have the master account you can reset the passwords on all NCSoft games linked to it. You don't have to know the current passwords for the games or provide any kind of account verification. It resets the password and sends an auto-email to the account holder saying the password was reset. That e-mail however doesn't contain the new password.
That e-mail came to me yesterday morning at 10am. Unfortunately I didn't log in at all yesterday and didn't see the e-mail until about 10:30 last night. At that point I tried to log into guild wars and couldn't.

I immediately replied to
support@ncsoft.com and told them I didn't do the password reset and my account was stolen.
They replied within a half hour. (Yeah, 11pm on a Sunday night. I'm impressed i got a reply that fast!!!) They said they locked the account so no one could access it, however most thieves will clean out an account within 5 minutes so I didn't figure that would help. They asked for my real name, address, Birth date, any credit card #s used in the ingame store and all the keycodes on the account.
I called Fire Walker this morning and gave her the bad news. We chatted for a bit and she said when she played last night, the guild roster said I hadn't been logged in for 21 hours. That was around 8pm and that means my account hadn't been accessed since 11pm Saturday night. That's when I finished FoW and logged out. For the first time, I felt it was possible that my account was secure after all.
I replied this morning to NCSoft and gave them everything except the keycodes. I had 2 of them but the others are lost. Within an hour they replied and reset my master account password and unlocked the gw account. I was able to login to the master account and change that password as well as reset the password on the gw account.
When I logged in everything was there. I almost expected a wiped account and naked characters. I googled the ip address that the e-mail said reset the password. I found posts by others that have had their accounts taken. Everything was wiped clean but the characters remained.
I'm guessing that the thieves couldn't get past the Character name requirement on the login screen. My ingame name is posted on guru, but it's buried in posts that i made a few years ago. I have not revealed my character names there recently.
Whew!!!! Still reading?? Yeah, I know i can be long-winded at times. I minored in creative writing in college (at least until i learned that meant endless research papers and no "fun" writing).
God protected my account and He gave the developers wisdom to add the character name security. I see a lot of kids griping about that when they try to return to the game after leaving for a few years, but I think it helps more than it hurts.