SilverShine - 4:28 pm on Sep 13, 2011 (gmt 0)
I don't see the irony.
(a) Customer shops online, using his debit card.
(b) The next day or two, the customer loses his debit card, and calls the bank.
(c) Bank can't tell legit activity from illegit, so reverses all pending transactions, including the OP's transaction.
Seems logical to me...
There's no irony, just a high level of co-incidence of people shopping online with some form of payment difficulty and who then report "unauthorized bank account access" or "loss" of their bank/credit card with the ensuing difficulties.
Banks ask their customers with a lost card problem which transactions are legitamate so the bank doesn't have to reverse all transactions, which is a daft thing to do anyway as it creates a multitude of issues with all the innocent merchants.