> Indeed! I have recently been trying to come up with a new term to use instead of "identity theft" (open to suggestions). As the term itself seems almost Orwellian to me.

I'll have a stab at coining the new word.

The concept is referring to attempted or successful deceit of the bank. Let's take the Latin word for deceit, fraudem, and modernize it so it won't sound so quaint. I think that "fraud" would do.