Last Saturday I received an email alert from my bank of unusual activity on my debit card. I checked my account online and saw an unauthorized charge for almost $700 to a UK website I had never heard of called Lipsy.co.uk
I immediately called my bank's fraud department and alerted them that there was an unauthorized charge and filed a fraud claim, and they put a block on the card so the identity thief/scammer who had obtained the card number couldn't do any more damage. They then reversed the fraudulent charge.
3 days later I look at my balance and the charge has once again shown up. Apparently the lowlifes at Lipsy filed a claim because the fraudulent charge was reversed. So I had to file another claim.
I am getting hit with daily overdraft fees as a result of the double whammy of the theft of my identity/debit card by the original identity thief, and Lipsy's scam of ripping off the identity theft victim rather than going after the criminal who they allowed to purchase items with a stolen debit card on their website (a website which obviously has piss poor security if it doesn't have safeguards in place in its checkout system to prevent criminals from using stolen debit cards.)
So now I've been ripped off twice: once by the identity thief who obtained my card info, and then again by Lipsy who filed a fraudulent claim to grab money from me, the identity theft victim, rather than trying to catch the identity thief who stole my info and card.
To summarize: the identity theft victim gets screwed, and both the identity thief (who ordered items with the stolen card) and Lipsy (who made a profit on the items it sold the thief) make a buck off the theft of my identity.
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