I have my checking account with b of a. about 2 years ago someone got my account number and took around 900.00 out of my account mind you i only had around 450.00 in it. i contacted the bank fraud dept. i was told to file a police report and fill out some paper work. i followed all of the steps and made copies of everything that they wanted then sent them by fax from the bank. i also had the bank give me the confirmations from when they faxed them. some times you have to treat them like children and follow up at every turn. i got my money back. unfortuantly you cant let them say that they will take care of it and beleive. no matter what they tell you. stay on their butts. that is your money not theirs.