If you have already checked to make sure your realm is up, yes I did this noob thing once. The first thing to do is to contact Blizzard. If you have already tried to retrieve your password and that route did not work (which most likely won’t because the hacker will burn the retrieve password try so they can have time to do what they do) get to Blizzard support and report your account as hacked.
Once you have your password back and your account has been reactivated, open up an in game ticket to get the items and money that you have lost back.
Beside that, it is a waiting game and a pain that nobody wants to go through. What you need to do actually is to prepare so it does not happen ever again.
It begins with a strong password. If you know what that is, you are a minority, if you don’t read this guide I wrote. The stronger your password is, the better chance you have to keep it intact… however, something that most people forget is to have a different password for different accounts. I am not talking about just WoW accounts, I am talking about e-mail, bank, forums, etc.
Once someone has one of your passwords, the first thing they are going to try after they have cleaned your bank out is to see if they can get into other accounts. Some of these people work on networks of hackers and a password can be a powerful thing for them specially as you sleep after an all night raid.
The second step towards having a hack free life is to have software and hardware protecting you. You need an antivirus at the very minimum, but a firewall, spyware and process watcher don’t hurt either.
I like Spybot, AdAware, AVG and a hardware firewall. I have several computers and devices that need internet connection so I had to buy a router anyway. If you buy one, make sure that it comes with a firewall it is worth the extra money in my opinion. Also your best tool is knowledge, learn about what a keylogger is and what it can do.
So once you have determined that your account has been hacked, get to the bottom of how they got into it. See if there are keyloggers or other Trojans in your computer and eliminate them before you get back into the game full swing. See if you can backtrack where the problem started, Did I download a new program lately? What new websites did I visit? Did I follow a link that seemed to take me nowhere?
Do not buy gold online, as tempting as it might be. Do not follow spam messages in game either. Find trusted places to get information from like Alterac Volley which has excellent, easy to follow money making guides. Visit big sites for information (Tankspot, Elitist Jerks, WoWInsider, MMO Champion) and search their forums rather than searching the internet as a whole where a hacker can be just one click away.
Always be aware of URLs. The internet addresses can be masked to show no extensions of what you are actually going to execute or have redirects, but you need to make sure you are not about to download an executable program. If you receive an e-mail from someone you know, but it is in any way out of character, do not click on anything or launch videos or programs from it. Even if it is the funniest thing in the world, have your friend tell you what is about or tell you where it is on youtube.
Protect yourself and your guild, because as the people that have experienced this issue, the hackers will take as much as they can before they are detected. It is a sad reality of the internet that there are people out there trying to get something for nothing.