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It is your responsibility to

It is your responsibility to make sure that you are dealing with reputable businesses when you are setting up any kind of payment were any type of entry can be accessed through your account. When you opened your account you were likely given disclosures (they are required) that explain what your rights and responsibilies are re: electronic fund transfers. Basically it is your responsibility to monitor your own account and report inappropriate activity. ASK for the appropriate forms and fill them out. Your disclosures will likely tell you that you have to report this sort of thing in writing. Calling them from your couch is not going to get the job done. The FBI will likely tell you NOTHING. They have much better things to do with their time than worry about your ignorance in the banking system.


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