Zoosk.com Zoosk and stolen credit card numbers..anyone else? San Francisco, California

Somehow, someone overseas ended up with my ATM Debit card number and security code. I know that a lot of stolen card numbers get sold all over the world and are used to purchase goods and electronics, and then shipped to various drop points and eventually end up in the wrongdoer's hands.However, this one really gets my blood boiling:
So someone overseas uses my card to get a ZOOSK.COM (dating website) membership to the tune of $99!! I mean, you'd have to be pretty lonely to want to drop $99 on a dating site in the first place. The charge gets posted as "pending" to my BofA account and fraud alert makes me aware of it. I immediately call and report it as fraudulent to BofA. They cancel my card and send me a new one, but can't take the pending charge off. Now normally these pending charges remain on my account for 3 days before they post. Not Zoosk!! They manage to push the charge through in ONE DAY, and the next day I am OUT $100. I call Zoosk, and they tell me that they will refund the charge right away, and they do not even seem remotely concerned--almost like they are used to this happening on a daily basis. The operator even tells me that their online registration process doesn't even require people to use their real names, and thus a stolen card number is all you need! What kind of crap is this?
So, I have arrived at the sneaking suspicion that Zoosk is somehow involved in running up fraudulent charges with stolen credit card numbers on their site to help generate revenue or..? I can find no other explanation as to why ANYONE in a foreign country would want to set up a $99 U.S. dating profile. I'm still waiting (3 days) for Zoosk to refund this, and waiting for my bank to send me a new card. Zoosk, you need to tighten up your registration loopholes and have cardholders provide more info about themselves...zip codes or full names on cards would be nice!