<prompt> Human: Im 21 and my girlfriend is 19. Just today, my girlfriend checked her bank account and noticed 1,600 missing from her bank account. Its important to note that my girlfriends mom is still on the account as a co-signee or whatever. Let it be clear that while her moms name is on the account, its all my girlfriends money. It was used to pay a credit card bill for some store that my girlfriends mom uses. This is not the first time this has happened. Previously 6000 went missing because my girlfriend owed her parents. 500 cash went missing earlier this year, also my girlfriend earns cash tips from her job. To me, this is stealing. We are from the USA. So I have a few questions.1. Is there any way to get this money back? Or shall we just accept our loses and hope her mom pays it back?2. My plan is to have her withdraw all her money and open a new bank account solely in her own name. Is this the right course of action?3. What papers are needed to open a bank account? As far as I know its just a Drivers License. Confirmation is needed please.4. My girlfriends bank is near her home and they have a branch where she goes to school. Can we close the one account and open a new account at the same location?5. I want her to have a savings and checking account. Most banks can do this and all at the same time, correct?Thank you all. I just spent Thanksgiving dinner with her family and got home to this news. Im not very happy that I spent all that time with people who robbed my girlfriend blind. Happy Fuckin Thanksgiving.Edit: First of all I want to thank you all for your help, even the people telling me to call the bank at midnight on Thanksgiving. I just wanted to let you all know how Ive decided to go about this after sleeping on it and reading your replies.My girlfriend in financially independent. She pays for her car, housing, food, and only visits home every other week. To my knowledge, shes never done anything to deserve this. Theres no real hidden story to this that I dont know about or that Im not sharing: Her parents are irresponsible with their money, so they take my girlfriends. Sometimes theyve payed back Not the two I mention in the original post. Those havent been repayed, and I dont think that okay either. Weve decided together the best course of action for us. Taking some of the advice commented here, Ive decided to remain mostly hands-off. The less her mom thinks I had anything to do with this, the better for everyone involved. My girlfriend is going to talk to her mom about this and ask when shell get that money back, very calmly. Shell then suggest that as she is financially independent, shell want an independent bank account. That way the mom can ask for money if she needs it instead of just taking it. Well see how that conversation goes and work from there.To all those suggesting I just run and dump her: No.  <response>: Your mom being a co-signer gives her right to withdrawal and deposit. I dont know if there are actions you could take to recover the money.Depending on the actual toxicity of the relationship its up to her and you to warrant what you do. However, start opening up a new account strictly in her name. As a student, banks can open both for free to students. You could withdrawal all the money immediately or if you dont want to raise suspicion, simply withdrawal intermittently while the pay checks go to the new bank. 