What I don't understand is that if the accounts aren't supposed to be transferable, why does SE allow you to change any of your private data. I know addresses change from time to time, but names rarely do, and birth dates never do. I mean, once a name is entered, you shouldn't be able to change that name easily. So for example when I registered the game, if I entered my name as John B Smith, that information should be permanent. This would make it extremely difficult for anyone else to change the billing information, since they shouldn't have a credit card with your name on it, nevermind a matching birthday. And therefore you would be able to reclaim your account should it be stolen, It wouldn't let you reclaim any items or gil that was lost, but atleast you'd have your character back. By extension it would also put an end to selling accounts.

Under section 5.4 of the POL User Agreement; "You agree promptly to notify SEI if you lose or forget your User ID or password, or if you believe that others are making use of your PlayOnline user account." I'm not sure if they would return the character to you. But if you have the registration code, that should be sufficient under section 6.2 a) of the POL User Agreement to have the account suspended until they can confirm that you are in compliance with the POL User Agreement and likely terminated from breaches of section 4.2 b), and 4.4 h). The question is if they would act on this without lawyers getting involved. But if you were going to go that far, I'm not sure how California law would deal with SEI facilitating fraudulent use of your online persona.