<prompt> Human: Occasional lurker, using a throwaway to protect my identity here. A few days ago I noticed an unfamiliar charge to a checking account of mine, for Chase E-Pay and another for Bankcard services. I filed an inquiry with my bank and they got back to me today, giving me the name of a former roommate of mine bankcard services transaction, who I had given the account number to make deposits into for our shared rent a mistake I wont repeat. Im going to close the account tomorrow morning as the bank opens, and have already transferred my funds from it. What kind of transactions are these, if knowable? Is there any recourse with the banks I have for getting the money back? And any action I can take with the banks to charge for theftfraud? I realize the second portion is primarily a legal issue, so if I should direct that aspect of the discussion elsewhere, I can.Thank you for all the help and guidance, just reading this sub has helped me plenty of times in the past. Cheers!Edit: Thank you all for all the great answers so far, really appreciate it!  <response>: Im assuming these are ACH transactions. The process is super simple. Call the claims department and report them as unauthorized. Theyll send you a form to fill out, and will typically give you a provisional credit. Make sure you sign and return the form ASAP. Once the bank has it back, theyll be able to reverse the charges and close out the claim. 