Guy I went to college with gave me his account. When I got it, it had BLM75 NIN75 RDM70 RNG50, and just about zero gear. I had it about a year. I finished RDM and RNG to 75, geared it (including using wishlist slots in my EGLS on gear for it). I was also using it as a mule.
Long story short, the guy took it back through SE. He doesn't live instate, so I can't go kick his ***, and he won't return my calls. Transferred the character to Remora, with about 15-17M in gil/items on it.
I mean, I would have given the account back no problem, likely with a decent amount of gear on it. But I would have liked to get some of my gear/gil back. I know it was my "friend" who took it back, because I had SE lock the account, and it was later unlocked via an emailing of a photo ID.