So apparently to some in the identity community having someone use your debit/credit card number is not “really” identity theft.
This is how I see it. The Bank ‘issues’ me an identifier – or an identity.
It is the card that i get from them – when I present it and enter in my pin they know I am me. This is my identity in relationship to them. (every time I go see a teller I must swipe my card and enter my PIN).
So when someone takes that identity given to me by my bank (and uses it fraudulently) THIS IS IDENTITY THEFT.
It turns out the bank had me fill out the wrong forms and today I had to fill out different ones (another 30 min later). Apparently with debit card fraud I will get a response within 10 days about the situation.
I am off to Portland tomorrow for recent changes camp with a giant wad of travelers cheques to get by sans card that works in machine.