I was informed at the bank that a charge of $39.95 has been taken out of the bank from my sons account without my permission for three months. His card had been stolen while I was in the hospital. I am his payee and did not authorize any of this. the bank told me to call them and they gave me the number they had listed. When I tried to call them, they were not available according to the phone. It said un-available at this time try again later. I called and called and still got the same message or a busy signal. I called the bank and they told me to come in and file a dispute. I am going to do this today. However I want to know what else can be done to get my sons money returned into his account. This is fraud and I need to replace his funds as this money pays his rent. the bank had also charged $5.00 a day for overdraft fees. they said they will try to take that part off when we finish this stuff. What can a person do to stop this kind of fraud and get their monies returned? Please help me.