<human>: So last year i had my bank of america account stolen somehow. The person deposited several fake checks and used the credit money before they bounced as fraudulent. BofA says my account is frozen until i either pay the money or they find who did it. The thing about this whole ordeal was that when all this was happening i was in school being arrested for a fight and the transactions happened in a city about 30 miles from my school,and in st louis. I went to talk to a banker at one of the BofA branches and he got on the phone with corporate or whoever and they said i never owed and money but i couldnt open an account with them which was ok with me since they havent helped me with anything anyway. So i go down to chase banking and the lady tell me im still in ChexSystems and no financial instituition will accept me. She had me order a credit report and when it came there was absolutely nothing on it (20 years old have not had opportunity to build credit) so my question is how do i still owe chexsystems or bank of america or whoever if the credit report and bank of america are telling me im cleared? What can i do to fix this situation without making a big issue out of it because i cannot afford a lawyer and id honestly rather pay the money back if i cant find a better solution. My school and police records should be a solid enough case,and the fact that none of the checks were even remotely close to my handwriting. However in the event that its not enough for these money hungry bastards what other steps can i take to fix this problem so i can get another bank account and get my life going where it needs to go

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<bot>: fradulent checks were deposited in account from unknown outside source. Bank blames me. Couldnt have been me because i was being arrested at the exact same time it happened. Need advice.