Truth or not

My friend is complaining that she experienced bad things on the internet. She’s even thinking of negative things about a certain company. And I said to her that even if she’s encoding her information on her check out it doesn’t mean that she has an account in that company. It is just a payment gateway used by that particular merchant that she’s having her online shopping with. Anyway, hope her situation will be solved pretty soon. But I don’t know if she’s telling the truth or she’s just creating her story to catch attention with everyone!