[abustamam]

You say nothing of mine is stolen but they hypothetically just racked up $10k debt on my identity. This is stuff that affects real things like my ability to get a mortgage, and I am also on the hook for that money unless I find a way to cancel that card. No matter the case, it very much is my problem, and they successfully took money from someone else (the bank) and made me pay for it. That's theft.

> the actual illicit act was somebody lying to the bank

Yes, this is known as fraud, and the entire concept of identity theft.

[dotancohen]

No, they defrauded a bank for $10k. But the bank successfully convinced you that it's your problem, not theirs.